vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-23 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:
On Wednesday, XX/XX/23 I checked my credit scoring and saw a new inquiry with Equifax, this caused my credit score to drop XXXX points. Most important I did not apply for this, nor did I apply for anything in the last 6 months at least. I contacted XXXX XXXX about this credit card application on XX/XX/23 and was notified they had nothing connected to my SSN or name. I then filed an online dispute with Equifax which they responded was legitimate on XX/XX/23. I then called XXXX XXXX back on XX/XX/23. They notified me I had nothing with them, and they could not give me any documentation since I had no account with them. I then contacted Equifax and spoke with them via phone on XX/XX/23 who stated they could not remove without documentation from XXXX. Now I'm in a situation where an inquiry is on my report which I didn't do and have no way to clear it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 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: FL

Complaint narrative:
On XX/XX/XXXX, I added the carryon bag fee for {$69.00} for my Frontier airline flight XXXX from XXXX Florida to XXXX Maine. The flight was to leave XXXX but was cancelled. I then had to rebook on another airline. Frontier never refunded my money so I filed a dispute with XXXX XXXX XXXX. At first the gave me the credit, but then readded the fee to my bill claiming that the airline said the charge was valid and are now recharging for the fee. The flight was cancelled so how is this valid. I have spoken to both the airline and the c/c company and no one will help me.

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 2023-02-23 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: WI

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX XXXX only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXXXXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$12000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$11000.00} XX/XX/XXXX XXXX XXXX  XXXX {$0.00} XX/XX/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 2023-02-23 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: IL

Complaint narrative:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX XXXX only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXXXXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$12000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$11000.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
The account on my report from XXXX XXXX is FRAUD. I have disputed this with Transunion, sent them the FTC report of Fraud and they refuse to remove this from my file.

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 2023-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
On XX/XX/2023 I was going to a WFargo branch to deposit XXXX in cash. I got there about XXXX XXXX and there was only 1 teller and about 5 people on line. I had to go to work. I went to an empty post office the next XXXX ( USPS money orders..cash instruments ) to get 2 money orders..After the money order fee the amount of the 2 money orders was {$990.00} x 2 so I could deposit them into a WFargo ATM and avoid waiting in line. So I did that on the afternoon of XX/XX/2023. I got a phone call the next AM ( XX/XX/2023, ) from a very mean and snotty WFargo rep who explained that the Money Orders were altered and my account was now closed. My account had XXXX in it before the deposit. Now I can not access that either. As to the " altered '' money orders, they are absolutely out of their minds. I can not believe that is happening to me. They are holding all my funds, hostage because somebody there decided they are ALTERED??? I do not understand. I have a pic of the receipt for 1 money order ending with the number XXXX. I used 2 of my debit cards for this at XXXX each. The receipt for the money order ending in XXXX, I can not find but I do have the actual money order receipt that was attached to the money order. Both of these checks were deposited into the ATM. I need mt money back. I need the XXXX XXXX and the balance of my checking acct with XXXX from them. They seem to be thieves!!! I know for a fact that Wells Fargo has a track record of cheating customers with fake accounts, interest on auto loans, and opening accounts without people 's knowledge. and charging.fees that customers did not agree to. I do not want them to get away with this and need my funds immediately.

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 2023-02-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc.
State: FL

Complaint narrative:
Company : XXXX XXXX XXXX XXXX Amount : {$520.00} For : Charges not covered by my insurance carrier for XXXX XXXX XX/XX/22 : XXXX XXXX confirmed both in writing and through repeated 3-way phone calls with XXXX XXXX XXXX XXXXXXXX and XXXXhe third-party debt collector that I am NOT responsible for this debt. This is an attempt by the hospital to " balance bill '' me. 

XX/XX/22 : The hospital billing department agreed to appeal to my insurance company to attempt to collect the outstanding amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current
State: VA

Complaint narrative:
On XX/XX/XXXX I received an email stating my checking account on Current online bank is affectively closed, with no explanation. I was abroad at this time, and relied on my funds during my travel abroad.. I had a balance of over 10,000 in my account. Within this closure email no-where did it say how to retrieve/ move / option my funds.. I have emailed Current back and forth requesting more information in a professional matter along side with ways on optioning my funds as I relied on them during my travel. 
After about 5 emails, Current has stopped replying to me, and has failed to answer my questions regarding the last transfer, account amount, and a process on retrieving my funds. It has been over 2 weeks as Ive been in the silence. Ive tried to contact Current Bank a few times again but failed to receive a single reply even after explaining my reason behind them closing my account due to security reasons while accessing my account during my abroad stay. 
Ive also called current, but was automatically hung up as I heard a automatic message play your current account has been closed and an email has been sent to your inbox I had to use a different phone number to call from to speak with someone who said I should have received an email on how to option my funds ( which I have not ) and that my case will be escalated. 

It has been more than 10 days since that phone call with nothing from Current. 

Things like this can really financially hurt someone like it has to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 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: IL

Complaint narrative:
XXXX. XXXX & XXXX Original Creditor : XXXX XXXX Account No. XXXX Amount {$150.00} this medical bill is still reporting on my EQUIFAX report even after the new law was places XX/XX/2022 that NO MEDICAL BILL UNDER {$500.00} WILL BE REPORTED. I've dispute this with Equifax numerous of times and it still remains.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Celebrity Financial, Inc.
State: MO

Complaint narrative:
I was employed by XXXX XXXX XXXX. I closed four FHA loans and was supposed to be paid on XX/XX/. We received a letter on the XXXX XXXX that we were all to be let go by XXXX and they didn't have the money to meet payroll and we wouldn't get our final checks. On XX/XX/ we received another letter that stated we would be paid out our XXXXXXXX   payroll on XX/XX/XXXX  once again I never received my compensation. My comp plan is attached I should receive 1.5 % of the total loan amounts as I was the XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.

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 2023-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX I opened an account with TD Bank. I was using a promotion where TD Bank promised to deposit {$300.00} into my account after I deposited {$2500.00} or more in Direct Deposits within 60 days. 

I met this requirement by XX/XX/XXXX. It has been more than 6 months since I met this requirment and I have still not received the promised funds. According to the promotion terms TD bank would deposit the funds within 140 days of me opening the account. That date was on XX/XX/XXXX. 

I have called TD Bank three times on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX each times I was told to wait a little longer and that the funds would be deposited within the month. Each time I was promised that I would be called by a representative of the promotions department and I was never contacted. 

I most recently sent a message through the bank 's internal communication system on XX/XX/XXXX and received a response on XX/XX/XXXX stating that the code I used for the promotion was invalid because it was only for targeted households or individuals. This information is at odds with the terms on the signup page that I used when I enrolled in the promotion and opened the checking account. The terms did not state that the promotion was only for targeted households. I also think it is improper that I am only being told now that I am ineligible for the promotion and I was not told this when I previously called. 

I have attached proof of my communication with the bank as well as screenshots of the offer, offer terms, and enrollment page.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-23 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: TX

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute a late payment entry that appears on my credit report. According to my credit report, there is a late payment entry from XXXX XXXX XXXXXXXX on my XXXX XXXX XXXX XXXX XXXX XXXX account, which has a credit account number of XXXX. 

I am concerned about the impact this late payment may have on my credit score and my ability to obtain credit in the future. I have always made timely payments on my credit accounts and believe that this entry is in error. 

I request that you investigate this matter and provide me with the results of your investigation. If the late payment was indeed made in error, I ask that you correct the entry on my credit report and provide me with written confirmation of the correction. 

Thank you for your attention to this matter. Please let me know if you require any further information from me. 

Sincerely, 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 2023-02-23 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute a late payment entry that appears on my credit report. According to my credit report, there is a late payment entry from XXXX XXXX  XXXX on my XXXX XXXX XXXX XXXX XXXX XXXX account, which has a credit account number of XXXX. 

I am concerned about the impact this late payment may have on my credit score and my ability to obtain credit in the future. I have always made timely payments on my credit accounts and believe that this entry is in error. 

I request that you investigate this matter and provide me with the results of your investigation. If the late payment was indeed made in error, I ask that you correct the entry on my credit report and provide me with written confirmation of the correction. 

Thank you for your attention to this matter. Please let me know if you require any further information from me. 

Sincerely, 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 2023-02-23 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: Bread Financial Holdings, Inc.
State: LA

Complaint narrative:
On Wednesday, XX/XX/23 I checked my credit scoring and saw a new inquiry with XXXX, this caused my credit score to drop XXXX points. Most important I did not apply for this, nor did I apply for anything in the last 6 months at least. I contacted Comenity Capital/XXXX about this credit card application on XX/XX/23 and was notified they had nothing connected to my SSN or name. I then filed an online dispute with XXXX which they responded was legitimate on XX/XX/23. I then called Comenity Capital/XXXX back on XX/XX/23. They notified me I had nothing with them, and they could not give me any documentation since I had no account with them. I then contacted XXXX and spoke with them via phone on XX/XX/23 who stated they could not remove without documentation from Comenity. Now I'm in a situation where an inquiry is on my report which I didn't do and have no way to clear it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NH

Complaint narrative:
I have already tried disputing this charge with the company and I have filed a complaint with CFPB. CFPB closed the case stating the company does not recognize their customer. I'm attaching an image of my XXXX XXXX account that is showing this account in collections. I suspect Credit Collection Services has bad practices. If they do not recognize me, then could they remove the debt? This company is causing me inconvenience and hurting my credit score.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I have called/emailed Wells Fargo ( WF ) countless times to ask them to provide corrected due amount to the WA state HAF ( since XX/XX/XXXX to release WA HAF fund directly to Wells Fargo ) . But Wells Fargo failed this simple task. It provided the WA state HAF with wrong info multile times in a row ( and put the HAF assistance at risk ), even AFTER my XX/XX/XXXX complaint to you ( case # XXXX ). The exec person assigned to this case ( XXXX XXXX XXXX ) did not respond to my multiple calls/messages for about 10days ( I left him at least 5 messages for a callback but he did not get back until I called again on XX/XX/XXXX ). When he finally did, he clearly did not know the key issue and failed all promises ( not getting this taken care of by XX/XX/XXXX, not callback on XX/XX/XXXX after the long weekend, not knowing the key issue, not reading escalation requests from the field manager/reps, not even wanting to transfer me to his supervisor by keeping saying he's busy/in meeting, I had to insist to be connected to his VM ). He's not taking any actions while the field manager/reps already provided me the corrected information ( by phone and email last week ) that the escrow amount was zero. I also received paper mail yesterday and asked him to inform the WA HAF team the new corrected amount so I and WF won't lose the HAF assistance. He refused to connect with the Wells Fargo HAF team and kept saying there's nothing he could do ( while multiple field reps told me last week all needed is a go ahead from the exec team ). While the WF system has been broken for years and the Gov fined it for {$3.00} Billions recently, I sensed no culture or service changes, the exec rep ( XXXX XXXX was the worst among all the numerous WF reps I interacted with in the last few months to correct a simple WF error. Please assign a new exec rep and ask Wells Fargo to send the corrected amount to WA HAF by XXXX XXXX on XXXX XX/XX/XXXX. all needed is a simple phone call or a note with less than 10 words ( the new corrected amount is $ -- -- -- - ). Thank you! 

Truly yours 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 explanation
Consumer complaint received 2023-02-23 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: FL

Complaint narrative:
Ive never done business with this company. XXXX XXXX  They sent a contract to me with wrong address, Fake signature, different balance amount then on my report, different reporting date, and no SSN. I never gave anyone permission to use or report an of my personal information. Please have this account removed from all three of my credit reports. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I received an alert from XXXX that there was a hard inquiry under my info for Bank / Credit Card Inquiry COMENITYCAPITAL/IKEAVC. 
I did not at any time make this application. Was on hold with ikea credit card fraud department for over an hour. No help provided. Just left on hold.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: NY

Complaint narrative:
I purchased {$30000.00} worth of {$1000.00} gift cards issued by Blackhawk Network Holding. After the purchase, Blackhawk Network Holdings limited how these gift cards can be used. They changed the terms AFTER my purchase. I tried to make a {$600.00} purchase at XXXX  and the gift card declined. I would like a refund for the unused gift cards.

Company response to consumer: Closed with explanation