vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
As a result of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I signed up for free credit monitoring with Experian. 

I was never informed that my free subscription would convert into a paid subscription, but in XXXX of XXXX Experian began charging me {$24.00} a month for my membership. 

I finally discovered this a couple of days ago and immediately canceled my membership and disputed all the charges that my bank would allow me to. 

Experian immediately issued refunds for the 4 charges that my bank let me dispute, I suspect this is because they knew they were engaged in deceptive business practices and never had grounds for charging me in the first place. 

I find Experian 's behavior especially egregious in the wake of the XXXX XXXX XXXX XXXX I can't imagine I was the only consumer who was unknowingly charged by Experian under similar circumstances. 

My bank has been able to work out the charges from XXXX, but I am still working on recovering the XXXX XXXX  from XXXX. I have spoken with Experian and they refuse to refund the XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-01-04 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Professional Finance Company, Inc.
State: OK

Complaint narrative:
Okay I applied for a credit card from XXXX and was denied for too many discrepancies so I looked on my credit report and noticed there was 6 loans in collections on there from a loan place in XXXX that I never applied for. Here 's the amounts with case number ( what the credit report shows ) : $ XXXX... 
$ XXXX... 
$ XXXX... 
$ XXXX... 
$ XXXX... 
$ XXXX... 
None of these that are on my report are any of which I applied for, I've never even been to XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Billed on XX/XX/XXXX for unwanted merchandise by XXXX  Reached out to XXXX XX/XX/XXXX who claimed they could not cancel the order though it had no been shipped out. 
Reached out to American Express XX/XX/XXXX to dispute this as I did not want this merchandise XXXX  did not ship until XX/XX/XXXX - almost a full week after I reached out Following the UPS shipping label it was delivered to a zip code that wasn't even mine so I never go the merchandise. - The zip code isn't even in the city I live in. 
American Express sides with the merchant though I have never received merchandise and it was well within their ability to cancel

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-04 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: FIFTH THIRD FINANCIAL CORPORATION
State: TN

Complaint narrative:
My truck was broken into seven years ago, and my computer bag, laptop, passport, and other documents were inside. Shortly after that, I became plagued with identity theft fraud. Someone opened up a business account and or loan with Fifth Third under my name. I have submitted documentation to the bank regarding the fraud, and to date, it has not been rectified. I am requesting for the account to be deleted from credit bureau reports and for collection activity to cease and desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I am filing this complaint in light of the recent announcement for the Wells Fargo agreement to a {$3.00} XXXX settlement with the Consumer Financial Protection Bureau over customer abuses tied to mortgages. Wells Fargo ( Account # XXXX ) transferred my Mortgage to XXXX XXXX XXXX after a loan modification was completed in XX/XX/2016. At the time of the loan modification, the original loan balance was {$270000.00} with a 30-year term. After the loan modification was completed, the loan balance increased to {$350000.00} with a 40-year term. The {$81000.00} difference in the pre and post modification was never explained as to why the balance increased significantly. I also have questions as to why the term period increased from a 30-year loan to a 40-year loan. I had major concerns regarding the difference amount and terms, however, I signed the modification document as I felt I was given no other options to lower my monthly mortgage payment. In essence, this loan modification created a further long-term hardship for me. My current XXXX XXXX XXXX  Account # is XXXX and their contact # is XXXX. 

My wife and I separated due to the stress of dealing with Wells Fargo over many years trying to work with them to assist us with lowering our monthly mortgage payments due to a financial hardship we experienced.

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 2023-01-04 00:00:00
Product: Credit card or prepaid card — Store credit 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: Westcreek Financial
State: VA

Complaint narrative:
Koalafi offered me a credit card product around XX/XX/2022, for the purpose of a home renovation project, without a true dispute process as described in Regulation Z. The loan was activated by the merchant prior to project completion in early XX/XX/2022. Merchant originally made good faith effort to finish the project. In late XXXX, Merchant began avoiding obligations to finish project ( vague responses for when outstanding goods would arrive, and no response on when punch list items would be completed ) As of XX/XX/2022, merchant had not delivered all good/services as promised to the customer. Customer was unable to reach merchant with any firm updates for the goods/services. A call was placed to Koalafi stating the dispute ( similarly to how it is outlined in the complaint ), with Koalafi affirming that they are not responsible for the merchant, and I as the customer am still obligated to make payments. Koalafi quickly reminded customer of loan agreement. 

On XX/XX/2022, merchant responded to customer, proposing a plan going forward. 

On XX/XX/2022, Koalafi contacted both merchant and myself, on separate phone calls. Customer stated that at this time, Merchant has proposed a plan and timeline to finish the project. Koalafi implied during this conversation that they are under no requirement to provide resolution or further investigation, and reminded the customer that payments are still required. Koalafi also stated that if the dispute were to arise again, the same process of phone calls to the merchant and customer would repeat, regardless of resolution on either end. 

Based on this dispute process and phone call conversation, it does not appear that Koalafi provides any protection to the customer, nor does Koalafi believe that any governing laws apply to them. 

References : Per the TRUTH IN LENDING ACT ( REGULATION Z ), " issuers must investigate and resolve certain billing errors, including a transaction reflected on a periodic statement involving goods or services that the consumer ( or representative ) did not accept or was not delivered or was not delivered as agreed. " Per the attached lending agreement with Koalafi : If, after any such good faith effort to achieve resolution with the Merchant, you are still dissatisfied, you may contact Servicer in writing at Koalafi, XXXX XXXX XXXX, XXXX XXXX, VA XXXX, or any other address the Servicer may designate, and we will investigate the matter. During the pendency of the investigation, you must still make any payments owed under this Agreement. Once our investigation is concluded, we will make a determination regarding any amounts you continue to owe under this Agreement. If, following ourdetermination, you do not make payments that we confirm are owed under this Agreement, we may report you as delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank is not properly reporting balances on 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 2023-01-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Got a notice about a new credit card added to my credit report by COMENITYBANK/SONYXXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX I have not authorized this credit card, or credit check by that company. The credit inquiry was done on XX/XX/2022, and reported on XX/XX/2022. 

I have called the company, and asked them to close the account. They had an address in another state for this account. They said that they are closing the account. But did not receive any confirmation, gave them my email address as well as home address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc.
State: IN

Complaint narrative:
Online Information Services is trying to collect a debt that was charged with identity Theft. I sent all the documents they asked me to in order to prove i did not live at the address of fraud. 

i sent my mortgage statements from XXXX and utility bills from my address from XXXX. 

I even sent the police report of the fraud. Now they say I need to take up the issue with the company that is owed the money, XXXX XXXX. 

XXXX owed {$280.00} from XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
FAILURE TO LEGALLY VERIFY - WILLFUL NEGLIGENCE I have contacted this company on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX. They have failed to delete information on my credit report resulting in reputable damages from identity theft, which was proven by myself in accordance to the law. This company has failed on multiple occasions in the past 10 months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. I, XXXX XXXX XXXX, have gathered all this information for litigation. 

Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$1000.00} Account Type : Charge Off

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 2023-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
Disputing Personal Information, Collections, Inquiries ( See Attachments ) Inaccurate Personal Information ( Name, Address, Employment, Social ) Collections ( see attached ) XXXX XXXX  XXXX XXXX XXXX XXXX FDCPA & FCRA Violations ) Requesting ( Validation, Verification, Proof Validation Letter Sent, Address on file for consumer ) ( All Documentation in Cease and Desist Letters ) Attached Hard Inquiries ( no authorization ) Permissable Purposes

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 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: USCB, Inc.
State: CA

Complaint narrative:
XXXX XXXX I never open account with them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have disputed this issue 2 times the incorrect late payment statuses with CapitalOne ( Formerly XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The problem is that during the start of the Pandemic I took advantage of a program with XXXX that allowed for automatic debits to come out of my account to ensure the account would be paid on time. I have bank account statement proof showing the amounts came out on time, but they are not showing paid on time on my credit report and CapitalOne refuses to update them. XXXX, XXXX and XXXX of 2020 are not delinquent, but they are still showing they are. Important note- CapitalOne boughXXXX out XXXXXXXX XXXX XXXX but is not taking any responsibility for the programs or transactions made from Comenity customers prior to that acquisition. This is an unfair business practice. I have tried multiple times to dispute this as these delinquent payments are negatively affecting my ability to have a better credit score. 
I am filing a complaint now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
In XXXX of 2018 XXXX XXXX  posted a notice of XXXX hours to vacate on my door. I complied with their written request and left the unit spotless after hiring a maid service to clean. They have said I left my lease & have posted on my credit the cost for the remainder of the lease. What they did was illegal & this debt is not valid. I was never late with payment- it was retaliatory for complaining about their property & XXXX XXXX being sold out of it by the neighbors.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Oliver Adjustment Co.
State: WI

Complaint narrative:
This is a old debt from XXXX SC and is now handled by XXXX XXXX XXXX ( collection agency ). The medical company XXXX SC will not provide a itemized bill, or state anything more than XXXX XXXX. This was from an emergency visit some years ago. The hospital bill was paid via insurance leaving a remainder that was paid by me. My out of pocket expense, that was paid by me, was just over XXXX for the visit in total. I was told by the hospital that the bill was complete and i should not of received any additional billing. XXXX has ignored my requests which have been via phone call and letter. I have no problem paying a bill, if i know what it is for. XXXX SC refuses to say what this XXXX and some odd dollare bill was for in regards to the visit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
My tenant paid me on XXXX XXXX  via Zelle money transfer. I was supposed to get it that day but either Zelle or my tenants bank, I believe, XXXX XXXX has not transferred the money until today, XXXX XXXX XXXX XXXX XXXX XXXX 
I have called my bank, XXXX XXXX, and they said they had no control over Zelle or knowledge about transfer and that my banking side is good. My tenant called her bank, I believe, XXXX XXXX, and they said to call Zelle. 
Calling Zelle does not connect you as the prompt does not connect but suggests to contact a bank with whom one used Zelle. 

My fear is that they use similar practices for many customers with minimum oversight and people maybe afraid to complain. I am not a criminal or fraud, my tenant has been using them as an established client and transferring money using same Zelle transfer services for a long time. 

Is there anyway to put a stop to it? I understand that they can say security measures were in place and holidays did not help but should it not be the case for established consumers that sent money to each other for quite sometime? Please assist and advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 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: LEXISNEXIS
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: GA

Complaint narrative:
Payment was made on XX/XX/2023

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 2023-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I file a police report stating the incident and was inform i have to make a complaint online due to its not being a XXXX incident. someone stole my wallet and cell phone with all my personal information i had at the gym. this is a very bad situation i have experience. the total amount of fraudulent transactions was in the total amount of {$10000.00} i work hard for my money and need answers asap thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Please remove these inquiries from my credit report as I did not authorize them. I have included the theft reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-01-04 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I called comenity bank about my Zales balance still showing {$1700.00} balance when I paid it off in XX/XX/XXXX. They said that they had computer issues and have not been able to update accounts, but were in the process of fixing the issue. That was XX/XX/XXXX. I tried talking to them again today and they didnt seem to understand my issue and gave me the number for XXXX XXXX but I couldnt get anything except a report from that company, which I do not need to buy. I have been trying to clean my report off completely and that was the last debt aside from my mortgage that I needed off to get the score that I need. Thank you for your time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-04 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Please refer to information in Body. An account at XXXX XXXX was apparently fraudulently opened with my personal identifiers and the parties involved rented something from them. I have never even heard of this company and do not rent these items. 

I have called them many times and get the run around. I emailed theur fraud dept and they are unwilling to respond. 

this information needs to be correcgted and if they are reporting to the credit bureaus and providing fiducuiary contracts, they need to do the due dilligence on their part email to XXXX  XXXX  @ XXXX : Subject line : ID Theft Claim XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, UT XXXX Please be advised that the account opened below is not mine and opened fraudulently. The information is showing on my credit reports and it must be rectified immediately. 

I have never opened an account with XXXX. I am in the process of buying a house and if this causes any issues, I will pursue legal action against XXXX and seek compensatory and punitive damages. 

Please remove any and all information from any and all my credit reports. 
I can be reached at XXXX XXXX XXXX My full name and address are below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY 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