vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-30 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: CITIBANK, N.A.
State: PA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I'm not swayed that XXXX and XXXX Credit Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX and XXXX Credit Bureaus are reporting inaccurate information on DSNB MACYS. Also, I tried contacting XXXX and XXXX Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the charge-off was posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

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 2021-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was not able to open a new account with Wells Fargo due to an alleged debt I owe them on a previous account. However, I called their customer service to get information about the debt and they can not locate me with my identity verifications. Therefore, there is no debt that I owe if they do not have proof that I owe anything. I want to open a new account and be removed from XXXX regarding any alleged debts from Wells Fargo.

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 2021-09-30 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica
State: TN

Complaint narrative:
I was incarcerated from XX/XX/2021 to XX/XX/2021. While I was incarcerated someone accessed my direct express account and spent {$1300.00} of my money. When I was released I filed a dispute on all the charges that occurred while I was incarcerated. I provided direct express with my detailed release report ( which stated the day I went in and the day I was released from jail ), a police report, and my personal statement. They denied my original claim and are now giving me the run around with escalated claims. Stating that because the people used my card at places that I normally used it that it basically made it ok. They are refusing to give my money back even with the proof I have given then that I was incarcerated when the charges were done. The people that done this used the direct express app that was on my phone and reported my card lost and ordered a new one. When I filed the original dispute direct express did issue me a new card. That is all they have done however.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
After reviewing my credit file I noticed a collection debt listed for the amount of XXXX ( Ref ID XXXX ) that did not owe, or have any knowledge of. On XX/XX/21 I contacted Resurgent Capital Services requesting validation of this debt. As of date XX/XX/21 I have not received validation or any response for that matter. As per The Fair Credit Reporting Act.Resurgent is in violation of the 30 day time limit to validate a debt and the debt must removed and cease being reported to all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
I am submitting this complaint because I am being extremely affected by TRANSWORLD SYSTEMS INC. They are being completely unfair and I dont know how to get ahold on them but through this portal. 

I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation. 

I was not billed by medical service company, and was not sent any prior notices prior to collection being put on there. Also, they failed to mark account as disputed when I sent them my dispute by mail. The collection company harassed me on the phone. 

My accounts information are : Account Information : Account Number 1 : XXXX Date Opened : XX/XX/2017 Balance : {$210.00} Account Information : Account Number 2 : Date Opened : Opened XXXX XXXX, 2017 Balance : {$50.00} Account Information : Account Number 3 : Date Opened : Opened XXXX XXXX, 2017 Balance : {$50.00} Solution : Deletes my accounts from all credit bureaus and waives the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST HORIZON BANK
State: TN

Complaint narrative:
For the past 14 months I have repeatedly tried to get Respondent to reimburse the {$300.00} loan taken out of my account in XX/XX/XXXX because of their system malfunctioning. I have on record a recorded phone call between XXXX XXXX and a rep from Respondent discussing this issue and the promise given by Respondent 's rep to reimburse me and to this day has not. Since XX/XX/XXXX, I have tried to get Respondent to reimburse the money they were regularly taking out of my account without my authorization or record of the transaction and they have repeatedly refused. I have written several complaints to the CFPB, the FDIC, and this office between XX/XX/XXXX and present and have not received an explanation or compensation-in fact the illegal action of removing money from my account without my permission, knowledge, or record of the transaction have continued until the unknown date of the closing of my account. On XX/XX/XXXX a rep from Respondent opened a fraud investigation and promised an answer within 60 days. I never received an answer until on XX/XX/XXXX, I spoke to a rep of Respondents about a check I received from an insurance claim they took from me and they claimed that the fraud investigation had concluded in XXXX and I had a negative balance which is not true. Ever since I have requested on multiple times for an investigation to be done on why money was continuously being withdrawn from my account without my permission, knowledge, or record of transaction and the Respondents refused. I have on record in an XXXX spreadsheet the balance Respondents claim I had from the date of opening on XX/XX/XXXX, till present and my true balance and there is an approximately {$900.00} difference. I have tried reasoning with them and they either ignore me, make excuses, or hang up on me. They also refuse to give me the name of their process service agent nor allow me to speak with their legal team to try and resolve this outside of court. Since my account is locked and closed I can not access it to update the XXXX spreadsheet I will attach to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have requested for several accounts to be investigated, this investigation took well over 30 days,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I have requested for several accounts to be investigated, this investigation took well over 30 days,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

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 2021-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
Reached out to Caliber Home Loans about amending the credit reporting to our XXXX accounts. They informed us to call XXXX. When we called we were told that the account was deleted, and only the mortgage company could reinstate the account. We have been corresponding with the mortgage company since XX/XX/2021, and now its XXXX. Nothing has been fixed we received several letters from Caliber stating that they are reporting as recently as XX/XX/2021. But I would really like to know how they are reporting to a deleted account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 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: GA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days that I haven't received any results regarding the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: MECHANICS BANK
State: CA

Complaint narrative:
Mechanics Bank my auto lender is in violation of California Civil Code 2983.2 for failure to provide the required 60-day notice to me prior to disposing of my car. Mechanics Bank provided zero notice to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TN

Complaint narrative:
Spoke to XXXX in Texas she stated in XXXX 2021 my escrow account paid {$7900.00} for my Homeowner Insurance. XX/XX/2021 new homeowner was paid XXXX. I told her I talk to XXXX with customer service XX/XX/2021, she said after the adjustment was made to my Homeowner insurance Mr. Cooper would send me a check form escrow for overage of escrow. I never received the check from Mr. Cooper for escrow overage. I was told by XXXX customer service Mr. Cooper I would have to request the overage payment from my Insurance Company for any overage in my escrow account. Mr. Cooper was collecting for City , County taxes and Homeowner Insurance of which was included with my mortgage payment and was collecting with my mortgage payment as well as for my escrow account. I live in the county and do not pay county taxes. I have informed Mr. Cooper of this several times. Also Mr. Cooper customer service dept. and escrow dept. has servicer federal guidelines they must follow. I don't want to be taken advantage of because someone isn't knowledgeable or does not know how to do their job.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Hey I'm just checkin to see whats going on with my dispute? I thought I would get an answer with 45 days but I dont have no clue of whats going on, i'm XXXX XXXX SSN # XXXX let me know what's going on you can send it to the address on my id.

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 2021-09-30 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Hey I'm just checkin to see whats going on with my dispute? I thought I would get an answer with 45 days but I dont have no clue of whats going on, i'm XXXX XXXX SSN # XXXX let me know what's going on you can send it to the address on my id.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 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: FL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been disputing this inaccurate account on my credit report with the credit bureaus for XXXX XXXX for some time now. I was told by the credit bureaus to reach out to this creditor about this account which I did. I have sent an initial dispute letter to this company which was delivered on XX/XX/XXXX and here is the tracking to prove it was received XXXX. I asked XXXX XXXX to validate this account and to provide sufficient proof and documents that show this account belongs to me. I have also submitted a complaint against this company on XX/XX/2021 which they have yet to respond to and its been over a month and they have still yet to respond to my complaint and dispute. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. I have also asked the credit bureaus how have they verified this account when XXXX XXXX  has yet to respond to my dispute and prove me with sufficient documents that show who this account belongs to. I was under the impression that if they didn't provide valid sufficient documents pertaining to this account that it would automatically deleted from my credit reports. I am sure there is a law that proves it.

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 2021-09-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I requested a credit card promoted by XXXX XXXX called XXXX XXXX. I was approved and received the card. I sign up for online billing and once I tried setting up a payment method online I was locked out of the system and I am not able to retrieve any information. I have called numerous times and I have held for up to 2 hours and I can never get a hold of anyone. I don't know how much I owe and I need to pay the bill.

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 2021-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
On XX/XX/2021 I was at XXXX XXXX in XXXX, PA, XXXX. I thought I was scheduling my upcoming oral XXXX. They had me sign a form on a tablet, which I assumed was permission for my XXXX. Unknown to me, I was signing a new Credit Inquiry for them of {$1400.00}, that they wanted in order for them to even do the XXXX! I have called Comenity Capital Bank, XXXX  XXXX  XXXX  and XXXX XXXX to no avail. I was on the phone 3-way with XXXX before my appointment, and with my insurance company, XXXX XXXX XXXX and XXXX was assured that I was fully covered. I am trying to repair my credit, and I do not want this Hard Inquiry on my report for 2 years, whenever I did not authorize it in the first place!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-30 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: NV

Complaint narrative:
My card is has been declined through numerous merchants. Its not working at all. I called the company twice and I was told there was XXXX left on my card. It was declined from numerous merchants it was declined at XXXX XXXX  it kept saying card error and after numerous attempts to swipe the card and I even tried to swipe it at a restaurant a day or 2 ago and the cards not working. I called back and the rude represtatives refused to anything. I went through two different representatives and the one of the representatives kept telling me that she couldn't see any declined transactions and she refused to let me talk to a supervisor. She kept saying that the supervisor was going to say the same thing. She absolutely refused to anything for me. I can't use my money at all. I spoke with 2 different representatives from vanilla gift card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
someone used my credit to obtain credit cards and loans, fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Wells fargo bank has continued take advantage of me as well as others that trusted wells fargo bank to help me and others to becoming financially stable. Now time and time again I told wells fargo that my checks was being direct deposit was being sent to a savings account and not a checking account. And I was not informed of all these hidden fees until the last minute. After going into the branch and having things notarized the bankers didn't tell me about all these hidden fees until now. Now this banking institution is supposed to be a professional institution now I see that it is not a professional institution and now the bankers at wells fargo bank has threatened me by saying that the reason for the call and what the call was supposed to be about and what can wells fargo bank can do for me I told those bankers how this banking institution can help I told them to tell the truth. This is institution is supposed to be a professional institution and me and others has trusted wells fargo bank to help me and others customers and consumers to become financially stable. Even the past bankers of wells fargo bank even has said that wells fargo bank was closing accounts that needed to be closed and was had been fined {$180.00} dollars for opening up XXXX XXXX accounts with out the authorization of the customers and consumers permission.so it's true that wells fargo bank loved to take advantage of people.

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