vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have disputed this Wells Fargo account multiple times with the original creditor directly as well the credit bureaus. There are multiple inaccuracies reporting and all 3 bureaus continue to report the account even though there are blatant inaccuracies. The account is charged off but continues to report activity after the account was charged off by applying multiple charge offs month after month in the payment history damaging my credit score. There high balance amounts vary between the bureaus. The open dates are different between the bureaus. There are multiple dates for the date last active which prolongs how long the account will stay on my report. It also proves the account was re-aged. There are multiple dates listed for the date of last payment. There is no payment history reporting for one of the bureaus about this account. the account number is incomplete between the 3 bureaus. They original creditor has failed to enter a notice of dispute.

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 2021-12-19 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX continues too violate consumers and FCRA by purposely reporting lies and inaccurate information for the sole purpose of damaging reports and scores. I have made MANY of complaints too CFPB yet nothing has been done about this issue. 

XXXX has many errors and lots of inaccuracies throughout my entire credit report. Refusing to correct anything. I have contacted an attorney about the issue and will be seeking damages. 

XXXX has continued too ACTIVELY report discharged debt which is about 4.5 years old. 

Experian also continues too have inaccurate information on this same account. 

The name of the creditor is XXXX XXXX XXXX XXXX mortgage, The name has been altered many times too benefit their legal reporting needs. Because this company has been OUT of business, its solid evidence that the active reporting is in fact the reporting agencys doings. I thought government agencies like that of CFPB holds the responsibility of helping protect the consumer when companies are in violation of the law and the consumer. I have well over 30 complaints with CFPB, maybe resolving 2 issues at tops. 
That is totally unacceptable coming from a government agency. 

If others are able too read this and got nothing resolved, YOU arent the only one! 
I keep all my records on reports as Im sure the courts will want too know the involvement of the CFPB. 


The company is 100 % NOT adding remarks too my report, its XXXX and Experian BOTH ARE FRAUDULENT A company gone out of business does NOT still actively report! Evidence of FRAUD AND STOP SAYING YOU CANT IDENTIFY MY IDENTITY BC YOUR LYING! If XXXX cant ID me then QUIT adding information too my credit report, QUIT providing my credit report and score too creditors, QUIT asking me too IDENTIFY myself because if I did, how would you even know whom too compare it too? JUST STOP ALL THE FRAUD already! Nothing has changed, absolutely nothing! XXXX can verify my ID through the United States Federal Court during the 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 2021-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XXXX/XXXX/2021, I was notified by email from Capital One 360 that my bank account was being restricted due to unusual activity. The email said, " We noticed unusual activity on your account ending in XXXX. For your protection, were restricting your Capital One Bank account ( XXXX ) until we verify some recent activity. A restricted account may prevent you from withdrawing money or completing pending transactions, though you can still deposit money. '' The next day on XXXX/XXXX/2021, I received another email saying I received a credit into my account, which said in the email, " This money is immediately available. '' However, this is not true as Capital One is refusing to lift the restriction from my account and is holding my funds XXXX by not allowing me to transfer my funds to an external account or use it in any way. On XXXX/XXXX/2021, I received another email about the restriction that said, " We're restricting your Capital One 360 account ( XXXX ) until we can verify your recent account activity. We may contact you to confirm this activity. Based on the results of our review, your account ( XXXX ) may be closed and your balance- plus all interest earned- will be transferred to your linked external checking account. '' This is also not true as they are not allowing me to transfer to an external checking account, and according to them the external checking account that was on file was removed from my account, even though I never removed it or asked Capital One to do so. After I received the first email, I called Capital One and instead of unrestricting my account, they made a decision to close my account after the claim is finalized because they said if my account was hacked or accessed by someone else it is " too much of a risk. '' There is not a risk of it being hacked if they allowed me to access my own funds over the phone as I have already verified myself by taking a live photo of my ID, yet they refuse to do this even though they have the ability to revoke the decision about restricting and closing my account. Capital One 's refusal to let me access or transfer my funds is causing a serious hardship for me. I can not wait weeks or months for them to close my account, I need these funds as soon as possible or I may lose XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FirstKey Holdings, LLC
State: CA

Complaint narrative:
Unbeknownst to me, this lender was switched out from my original lender, and 100 % purely due to their new collection techniques, which I was not informed of, I incurred a late payment on XXXX 2021. At first I attempted to dispute the late payment with the company, because it had negatively affected my credit score, and they removed the late payment on " XXXX XXXX, 2021 '' -- the item disputed on my credit report was " XXXX '' and it was deleted in XXXX. 

However in the following months, it has since re-appeared on my credit report, for XXXX, and it has been reported it as 2 late payments on XXXX -- I disputed this with experian and they removed a late payment, and it has re-appeared again. 

Even though this item was disputed and deleted. It keeps re-appearing, and is negatively affecting me and my ability to acquire credit. My credit score was near perfect before this. The company will absolutely not help me with any of this and refuse to acknowledge the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Unbeknownst to me, this lender was switched out from my original lender, and 100 % purely due to their new collection techniques, which I was not informed of, I incurred a late payment on XXXX 2021. At first I attempted to dispute the late payment with the company, because it had negatively affected my credit score, and they removed the late payment on " XX/XX/2021 '' -- the item disputed on my credit report was " XXXX '' and it was deleted in XXXX. 

However in the following months, it has since re-appeared on my credit report, for TransUnion, and it has been reported it as 2 late payments on XXXX -- I disputed this with experian and they removed a late payment, and it has re-appeared again. 

Even though this item was disputed and deleted. It keeps re-appearing, and is negatively affecting me and my ability to acquire credit. My credit score was near perfect before this. The company will absolutely not help me with any of this and refuse to acknowledge the problem.

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 2021-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Unbeknownst to me, this lender was switched out from my original lender, and 100 % purely due to their new collection techniques, which I was not informed of, I incurred a late payment on XX/XX/2021. At first I attempted to dispute the late payment with the company, because it had negatively affected my credit score, and they removed the late payment on " XX/XX/2021 '' -- the item disputed on my credit report was " XXXX '' and it was deleted in XXXX. 

However in the following months, it has since re-appeared on my credit report, for XXXX, and it has been reported it as 2 late payments on Experian -- I disputed this with experian and they removed a late payment, and it has re-appeared again. 

Even though this item was disputed and deleted. It keeps re-appearing, and is negatively affecting me and my ability to acquire credit. My credit score was near perfect before this. The company will absolutely not help me with any of this and refuse to acknowledge the problem.

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 2021-12-19 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
My account been frozen with Venmo since XX/XX/2020 Ive been trying get my funds there no help My Name is XXXX XXXX my email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX : 15 U.S.Code 1692a ( 4 ). 

XXXX XXXX : 15 U.S.Code 1692a ( 4 ). 

XXXX XXXX XXXX ( XXXX XXXX ) : 15 U.S.Code 1692a ( 4 ). 

XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX XXXX XXXX : 15 U.S.Code 1692a ( 4 ). 

XXXX XXXX : 15 U.S.Code 1692a ( 4 ). 

XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX XXXX XXXX : 15 USC 1692a ( 4 ). 

XXXX OF XXXX : 15 US Code 1681 a ( e ). 

XXXX XXXX XXXXXXXX : 15 U.S.Code 1692a ( 4 ) I reached out to these companies and Equifax also. Some items were previously removed but some remain. Some of these items were removed from other credit bureaus but Equifax did not remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19 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: FL

Complaint narrative:
I was receiving calls from Comenity Bank on my home phone and cell phone. I believed those to be annoyance calls and blocked the caller. I started to get concerned when my son-in-law was contacted by this bank and didn't know how his name or number was linked. I finally took a call from this bank and was told that there was a delinquent account that was opened in XX/XX/2021. I ran a credit report and saw an entry from a credit card that was opened with a {$17000.00} credit line in Missouri. There was an address on the residence information that was listed as the most recent address in XXXX. It was not my address. The other addresses listed were mine and I have been in XXXX  for the past 10 years. All of my active credit cards and utilities are tied to this permanent address with a XXXX  zip code. I have talked to the Comenity Bank fraud division and they said that this looks like fraud and they will investigate. They will be contacting me in the next 90 days by mail or call if they need additional information. The current balance on the outstanding account in about {$17000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
On XXXXXXXX my account with XXXX XXXX ( Comenity Bank ) was closed and paid in full. 
Since this time, I continue to receive monthly statements with late fees and interest charges. I have contacted them several times with no resolution to the problem. 
Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
The entire banking system is majorly flawed in it's design and how it uses credit scores. 
I have a low credit score with XXXX marks on my credit besides credit utilization. 
I am trying to pay off my credit card debt which accumulated when I was out of a job. I've already paid close to my total bill just in interest and there's no way out as the overwhelming majority of your payment goes to the interest. I tried to get XXXXapr balance transfer promotional credit cards so I can actually pay down the debt but a high credit utilization makes your credit score go down and no bank will approve with such a low credit score. 
In short banks will give you as much money as you want as long as you can prove you absolutely don't need it. The system of just looking at credit scores is broken. If they'd look at my history they'd see I've never missed a payment in my life although I'm starting to think maybe I should. 

Attached is yet another declined XXXXapr credit card application ( this one from capital one ) that says we'll send you a letter that will come in 10 days and say the same vague statement that at this time we can't approve you blah blah blah blah blah blah blah blah blah blah blah. 
Then when you call them you get the same answer that they can just enter into the system and basically they can't do anything either.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Corp Solutions Inc.
State: PA

Complaint narrative:
I made a settlement agreement with CREDIT CORP SOLUTIONS that if I paid {$300.00} of a {$490.00} balance for a debt owed that once the payment cleared they would contact the credit bureaus to have this debt removed and any history from my credit reports within 30 days. 

The payment cleared in their system on XX/XX/2021. Today is XX/XX/2021, I have called them about 3 times over the past 7 days. Only to be told that I still have to wait before they contact the credit bureaus because it takes 45 days which is not what I was told in the beginning. I called again on XX/XX/2021, and spoke with a rep. named XXXX, she tells me it takes 30 days and the 30 days have not started yet. It was reported to the credit bureaus that I owe a balance of {$190.00}, which is supposed to be cleared as per our agreement. 

I recently refinanced my vehicle and did not get the rate I deserved because this debt is still on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I will always say the truth and nothing but the truth. I have had capital one bank account since XXXX. I joined the United States XXXX in XXXX and the account was fine for a while. All of a jsudden my balance falls below XXXX. It's XXXX. I contact capital one several times to inquire why my balance is below. I had about {$200.00} in the account because I was just starting to build the account. They refused to tell me what was going on for a long time. Finally sometime in XXXX almost XXXX they told me it was because fraudulent check or a fake check was deposited into the account. The check bounced and whomever did it removed XXXX dollars before the check can bounce. I told them why is it that it took it a very long time to yell me this. My account had been restricted ever since. They told me I have to pay the XXXX but I told them I know nothing about the crime therefore I can not pay for something I didn't do. I would like my account to be fixed and restored so I can use it. I really enjoyed the convience it have while I was using it for the short period of time I had it and I also have a credit line with them. They have also refused to give me my military benefitsXXXX I would like them to implement that on my eligible accounts as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I made a settlement agreement with XXXX XXXX XXXX that if I paid {$300.00} of a {$490.00} balance for a debt owed that once the payment cleared they would contact the credit bureaus to have this debt removed and any history from my credit reports within 30 days. 

The payment cleared in their system on XX/XX/2021. Today is XX/XX/2021, I have called them about 3 times over the past 7 days. Only to be told that I still have to wait before they contact the credit bureaus because it takes 45 days which is not what I was told in the beginning. I called again on XX/XX/2021, and spoke with a rep. named XXXX, she tells me it takes 30 days and the 30 days have not started yet. It was reported to the credit bureaus that I owe a balance of {$190.00}, which is supposed to be cleared as per our agreement. 

I recently refinanced my vehicle and did not get the rate I deserved because this debt is still on my credit reports.

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 2021-12-19 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: CARRINGTON MORTGAGE SERVICES, LLC
State: NY

Complaint narrative:
This is to dispute a negative remark from Carrington Mortgage Services. They reported a late payment for XX/XX/2021. Included is a mortgage statement from Carrington Services that shows there was no payment due for XX/XX/2021. It also shows multiple payments in the previous months which would have led to an overpayment. We later sold the home on XX/XX/2021 which effectively paid all debt to the lender. There are included documents reflecting this as well. 



Thank you for your time on this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19 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: Lending Club Corp
State: FL

Complaint narrative:
I have reached out to lending club, their attorneys, and collection agencies representing them for this charged off debt that was paid via a settlement. I have disputed this with the credit reporting agencies as well as directly with lending club. At present, this item is reporting as a pay status of derogatory as opposed to paid, even though I have worked extremely hard to pay it off. 

Lending Club claims that they are correctly reporting since they " sold '' the debt, regardless, they are still responsible for the proper reporting of the item.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Crown Holdings, LLC
State: MO

Complaint narrative:
There is a bill owed for {$230.00}. Day Knight & Associates are attempting to collect the debt, however they are charging interest and treating to have the client file suit against me and have me to pay for court costs and fees. The interest thus far is {$10.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX.I only received XXXX back there was a month worth of computer generated messages and than I just recently got the response saying it approved and now the claim is closed.

Company response to consumer: Closed with explanation