vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
Since XX/XX/2021 I have been paying Lexus financial services on a Unemployement debit card. Every month after Lexus has been accepting the same card. Now on XX/XX/2021 I tried to make a payment and I was told I had to be 30 days late for Lexus to except a debit card? I feel like Lexus wants me to be late and effect my credit. My payment will be 30 days past due on XX/XX/XXXX. This is not right. I been on the phone for over 1 hr I need help I feel I am being taken advantage of and also Lexus is trying to destroy my credit. I dont have a checking account and I dont have the money to pay XXXX XXXX. I am only getting unemployment. Please help before XX/XX/XXXX because then I will be 30 days past due. A Unemployement card is a debit card and Lexus accepted this card 5 months in a row

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: LA

Complaint narrative:
On XXXX, XXXX my phone was stolen and the theft sent all my money " XXXX '' dollars too themselves. I emailed cash app before the transaction took place to make them aware of the situation and they failed to stop the incident and then refused to refund me my money after we sent email after email to each other for months i told them i have XXXX young children and i was out of wrk do to the pandemic and they did not care at all .... I was very disappointed and felt as if they were aiding the crook i knew her name and everything gave them all the information they needed and they blew me and my family off

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
Not a duplicate New documentation attached and Contacts have been updated. 
Update since XXXXSee attached XXXX invoice showing credit for full amount credited to our MasterCard XXXX ( not the active XXXX ) on XX/XX/XXXX. Please issue the credit and resolve all fees and penalties. This was an issue between merchant and bank on the Mastercard network. 

XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: PENTAGON FEDERAL CREDIT UNION
State: MA

Complaint narrative:
On XX/XX/XXXX I paid for a chandelier from XXXX XXXX ( XXXX Or. ) with my Pen Fed Visa card that was charged {$650.00}. I have not picked up the light and, now, must sell the condo it was meant for. The merchant refuses to give a refund even though he still has the light. Claims it was a special order, although he has similar ones in his shop. I disputed this with Pen Fed on XX/XX/XXXX. The closing date of the card statement was XX/XX/XXXX so the dispute was made less than 60 days from that date as they require. A supervisor, XXXX, reluctantly agreed to set up a case file for the dispute and said someone would contact me in 7-10 days. I called back XX/XX/XXXX and was told no case file was set up.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC.
State: GA

Complaint narrative:
In XXXX of XXXX I moved into my new home at XXXX XXXX XXXX XXXX in XXXX. My new home was new construction and when I called XXXX to transfer service from XXXX XXXX XXXX XXXX XXXX advised that they did not have the infrastructure to provide service to the newly constructed home. The tech on the phone explained that since XXXX  was not available yet in my new neighborhood there would be no termination fee. I subsequently took the XXXX equipment to the XXXX store in XXXX, and the store tech re-confirmed that there would be no termination fee. I returned the equipment and paid my bill in full and got a receipt. Subsequently, I received a bill from XXXX for the equipment and termination. I called them multiple times to remove the charges. Nonetheless, the bill was sent to a collection agency last year. I disputed the bill and remitted the receipt for the equipment. I requested that the Collection Agency ( AFNI ) to revise the statement with a XXXX balance and send the statement to me. 
AFNI has failed to send me a corrected statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
XXXX is conspiring with Ocwen mortgage company to continue to re-age an old bad debt. I tried to file a dispute online but XXXX refused to accept the dispute. On XX/XX/ I sent, via certified mail, XXXX  evidence/proof catching Ocwen re-aging my account by removing payment data from my credit report. XXXX has refused to fully investigate my claims of fraud, allowed payment history to be removed, allowed payment history to be reported as no data, all while presented with a mountain of evidence of Ocwen 's wrongdoing. I supplied XXXX with the same evidence I am attaching to this complaint. Evidence that includes a copy of an old XXXX credit report showing the missing information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are still reporting on my Credit Reports : XXXX XXXX-Date of Inquiry XX/XX/2020 XXXX XXXX XXXX-Date of Inquiry XX/XX/2020 XXXX-Date of Inquiry XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
XX/XX/2018 I was having fraudulent activity on my account, no alerts, for ( 3 ) strait days, called them and why we were on the phone and they were trying to fix it, some one was undoing what they were doing as we were speaking, so I ask to freeze the account. Later if was charged off and you my money on the secured card at {$800.00},, a lil over {$200.00} had been spent, they move have it in collections, refuse to give back my money, and don't take it out of collections.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NJ

Complaint narrative:
I have closed referenced loan has been paid in full XX/XX/2021. From Rushmore Loan Management Services LLC. Account Number XXXX. Attached with letter, discharge Mortgage. Dated XX/XX/2021. Also, attached on Deed Dated on XX/XX/2021 and signed. I contacted Rushmore to remove the foreclosure and late payments. Current payment status 60-89 days late. Reported by The Rushmore Mortgage Company. I have all paperwork showing proof Discharge of Mortgage and signed Deed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nationwide Credit Corporation
State: TX

Complaint narrative:
I have tried to work with this company several times with absolutely no help. Whenever I call either get someone with a horrible attitude or hung up on. I keep receiving letters and do not mind paying what we agreed but no one will call back or work with you yet they keep updating my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2021 I attempted to send my daughter XXXX {$17.00}. After being advised by my daughter that she did not receive the money. My daughter advised that I used the wrong email address to send the money. The email address was listed in my participant 's list. I called Chase in an attempt to recoup the money and filed a claim on XX/XX/2021. After not hearing anything from Chase and the funds still not being recovered, I called chase on XX/XX/2021 only to be advised by their online department that there was nothing they could do. I was instructed to contact XXXX directly. I called XXXX, however, their recording did not allow an option for my issue. I tried to chose another option in hopes of speaking with a live person but to no avail. 

My account used to send the money ends in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I atgneoted to apply for a mortgage and it was brought to my attention a judgement was made and a lien is on me for XXXX $ by company LVNV funding. I attempted to call to settle this unknown lien from XX/XX/2016. I have the lien information and the lvnv company has no record of me or my SSN and can not help me erase this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have not received any confirmation on how you have verified the alleged account and account information attached in Exhibit C and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court, if necessary, as evidence of my trying to rectify the subterfuge that you are reporting. ( Copied from attached Affidavit ) ****

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have sent several letters to Equifax in regards to inaccurate information being reported on my credit report and nothing has been resolved. i demand these inaccurate account to be deleted from my credit report immediately. I have attached copies of the letters sent along with proof of identity. if this is not resolved i will seek legal action. this has affected my entire life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: AE

Complaint narrative:
In XX/XX/XXXX, I received a letter from Navient statin all my late fees would be waived if I brought my account up to date. This was to include a late fee on my account of XXXX . I asked the customer service rep several times if this fee would be waived and she assured me it would. I brought my account current and have been making regular payment on my account. The fee was not been removed from my account. I have talked to upper management and was told the fee would not be waived. I was not called about this. I called in XXXX of XXXX. XXXX, XX/XX/XXXX and XXXX of XXXX. The last time in XXXX when I called they said the most they could take off was XXXX $ and then changed it to XXXX . I even offered to pay the account off in full if they waived the fee. They told me the fee would not be waived. I have paid off the account 2 times over and I still can not get them to budge. I want to pay this account off but do not want to pay any more fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I have tried to work with this company several times with absolutely no help. Whenever I call either get someone with a horrible attitude or hung up on. I keep receiving letters and do not mind paying what we agreed but no one will call back or work with you yet they keep updating my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
On XX/XX/XXXX I made a e-transfer from XXXX XXXX  in XXXX XXXX, XXXX  to my Wells Fargo account in South Carolina. The amount was {$1200.00}. The transfer has disappeared. Subsequent to my XXXX transfer I closed the XXXX account ( I believe on XXXX ). 
XXXX XXXX  has supplied me with multiple transfer numbers and documentation in an attempt to track the transaction. Wells Fargo said they do not have the money and that it was returned ( for unknown reason ) back to XXXX XXXX. XXXX  has transaction reference showing return but no evidence of the money being received. All of this has resulted in multiple phone calls and visits to the local XXXX  branch for the last 2 months. Wells Fargo has never supplied evidence of their investigation of this - other than denial of any knowledge. 
I relocated to XXXX  on XX/XX/XXXX at which time I opened the account at XXXX  ; I lived in XXXX  for over 35 years and believe I have been a customer of Wells Fargo for most of that time. On a personal note I am an XXXX year old retiree living on pensions and have no way to make up this money. I have been retired for almost XXXX yrs and have no money to contribute to a problem not of my making. I can't believe our banking system is in such disarray that you can lose money on an interbank electronic transfer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have contacted TransUnion numerous time about a bankruptcy that is reporting on my credit report. My initial contact with TransUnion was a dispute to verify this alleged debt that is adversely affecting my credit scores. TransUnion has only reached back out to say that they are refusing to re-investigate my dispute which I have not asked for them to do. I have not asked for my issue to be re-investigated I am asking for the METHOD OF VERIFICATION since they are stating that this debt has been verified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I purchases a car and financed it through Chrysler Capital in XXXX, about a year or so I was in an accident. The car was totaled and taken to the impound yard where my insurance adjuster viewed it and confirmed that it was totaled and that it would be paid. A month or so later I was notified that the bank had taken possession of the car and it was no longer in the impound yard. I never heard anything further about it. Then I found it on my credit report as a charge off with the full balance of {$20000.00}. I've written the bureaus and the Chrysler Capital several times and no one will give me a response.I don't think I owe this amount even if the insurance didn't fully cover the cost it wouldn't be this high. I never received any paperwork from them. A few days after the insurance confirmed the car was totaled I went to a dear purchase the same make, model and color car I have never been late. Now a week ago a tow truck showed up trying to repossess the original car that they said they had from 5 years ago and I still have yet to receive any paperwork from Chrysler Capital or the impound yard for that matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have filled on Experian several times, the last time XX/XX/2021 to have the account XXXX XXXX XXXX to be removed. It is not my account nor I have knowledge of the account. On my credit report it has the account is charged off {$1.00}, XXXX written off {$1.00}, XXXX past due as of XX/XX/2021. 
On my accounts I have never made a late payment. I should not be liable for an account that is not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EOS Holdings, Inc.
State: VA

Complaint narrative:
I received debt collection from EOS CCA regarding a XXXX XXXX I already paid back to XX/XX/2016. The debt EOS CCA collected is {$450.00} with statement date of XXXX. 

I faxed EOS CCA dispute department at XXXX on XXXX providing with the bank statement showing the payment {$340.00} being made. My dispute was refused when I call the dispute department on XXXX because the amount what I paid {$340.00} is different from what they asked for. The dispute department said that what I paid is for the different account they asked for. However, during that time, I only have XXXX XXXX account. 

In XXXX, I did email to XXXX with the proof of payment to dispute the charge with the following information. Unfortunately, I did not get any response. 

In the attached file, please review my original email dispute with bank statement to validate my payment.

Company response to consumer: Closed with explanation