vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-11 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: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-07-11 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo continues to play these rollercoaster games. As youll see from my Preservation Specialist to whom confirmed they got all of the necessary documents for the loan modification. However for the 3rd time Wells Fargo as you can see has contracted themselves. On or about XX/XX/2023 as you all can see I obtained a Home Owners Insurance Policy from XXXX XXXX. However apparently Wells Fargo is trying to force me to take their price gouging insurance policy

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 2023-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: AL

Complaint narrative:
Received notice on XX/XX/23 that I owed a standard fire insurance company {$820.00}. Called to see what this was about as Id never received any kind of bill for this and had no idea who standard fire insurance company even was. Man on phone and looked and asked have you had travelers insurance before? I said yes, in the past but Im with progressive now. He said oh ok. Its for the travelers plan. Ive never had any outstanding amounts owed to travelers. Received any notice from them about this. Nor was any insurance plan canceled due to non payment. None of it adds up. Online points to this company doing this to others. The only website they have requires you to enter personal sensitive information w the only options being basically to enter payment information when calling or trying to get on their website about it.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
On XX/XX/, I purchased a living room set ( sofa, love seat, ottoman, chair and tv stand ) from a store location closing sale at XXXX XXXX XXXX XXXX XXXX XXXXXXXX for {$3000.00} at XXXX and left to pick up my daughter from XXXX  and came back at XXXX. I was interested in a bunk bed and wanted to show her, eventually setting on a queen bedroom set and mattress for {$1500.00}. 3 days later after researching the company online and the statements regarding quality of the merchandise, I got out my receipt to try and call and cancel, not realizing at the time it said final sale. I called my credit card because I didn't know how to contact the merchant because the sales person said they would only be there until Saturday afternoon and it was Sunday. Capital One agent said, " don't worry, we will work with the merchant to get your money back '' and they opened a dispute. 

I didn't worry until I got my credit card statement emailed to me and saw the charges had been reapplied. I realized I received a document via email with the merchants response to the chargeback. I didn't know I was signed up for paperless statements including disputes upon opening the card 6 months prior. The merchant provided a false statement that they delivered the first set of furniture and then I returned and purchased more furniture that they couldn't deliver until XX/XX/XXXX. On the paper it says Thursday and it says XX/XX/XXXX and it says XXXX. The merchant is claiming to have delivered the merchandise between XXXX on XX/XX/XXXX when the transaction did not occur until XXXX that day. The credit card is ignoring my documentation based on a missed deadline of XX/XX/XXXX after stating on XX/XX/XXXX that I had 14 more days to continue the dispute. Calls to customer service resulted in conflicting and triggering information each time as they each gave different responses as to what I could do in order to continue the dispute. My issue is this merchant provided false conflicting evidence as well as a forged delivery acceptance paper, forging my signature and initials on it to influence Capital One to reverse the charges and gave the merchant more time to respond than it did me, as well as failed to make sure that I received their emailed document that involved {$4600.00} worth of merchandise that I never received. They are telling me, this is mastercards rules and that's it and failed to give me a valid phone number to reach mastercard and wasted my time forcing me to talk to inexperienced customer service reps.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 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: SC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: U.S. BANCORP
State: KY

Complaint narrative:
First I would like to say with all honesty why wouldnt I have called sooner if I new it was fraud I would have called the next day to report. I wouldnt have waited 2 an half years an then report because I didnt now until we were trying to buy a house threw your bank an thats is when we found out we were being defraud for the last two years an now you send me a letter saying I am responsible for it. How can I be responsible for sum thing I had no idea was going on until XXXXwe called the government to see if are money was in fact going toward are student loans an they were not an that is when we called immediately to stop payment an report fraud. An now you wan na say it is are fault that we just have to eat it when you bank with a bank for years you would think they would insurance your money for fraud.I even sent you a letter with all the forms you keep having me fill out for nothing because you send one back saying it is my fault for not reporting sooner if I had known it was fraud I would have reported it a lot sooner then XXXX XXXX years later I am out XXXX for the first payment an XXXX a month up until XXXX of this year which you all did get back three months but you arent investigating that good because if you was you would see that cornerstone is fraud an they have stolen millions from millions of people thinking they were paying there student loans but in fact it was fraud all along an we didnt not now until we tried to buy a house an that even messed that up too an now you wont help me get my money back at all. US Bank wont help us get are money back from fraud that we had no idea about if they would investigate it thoroughly to see it is fraud an human error for trying to pay for are debt if I had knowing we would have report it a lot sooner we didnt not now!!!

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 2023-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. My credit report is showing late payments to XXXX XXXX XXXXThose payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the companies customer service representative. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listed XXXX XXXX XXXX XXXX PLEASE UPDATE!

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 2023-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
on XX/XX/2023 I was informed by my employer that I was going to be laid off because of the company was bought out. In XXXX my former company mail me my severance check for 20 years of service. I had used my mobile application to deposit XXXX into my Truist account. After several day I was informed that my account was on hold due to a fraudulent check I did deposit into my account. Since then the current money in the account, plus the severance check and two more direct deposit checks from payroll from my new employer have been put in hold and a fraud case has been opened against me. I had showed to the bank the original check, a notarized letter from my former employer explaining the source of the check and some payroll documents. Truist did not want to accept these documents. I have a case number with them, but I have not been able to resolve the issue. I feel like I have been abused by their authority and I have not really got the answers from them in regard of what is actually the reason why they decided to do that. Since them my money is not accessible to me, and the bank do not want to help me out. I do not know where else I could turn for help. This situation is affecting me and my family. We are not rich and that money is very important for us. I am willing to provide more information, documents and anything else necessary to resolve this abuse.

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 2023-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it 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 non-monetary relief
Consumer complaint received 2023-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I opened a checking account in XX/XX/XXXX. It was part of a promotion. If conditions were met, which were a certain amount of deposits and withdrawals, I would receive XXXX bonus miles on XXXX XXXX within 30 days of completing the requirements of the promotion. I did so on XX/XX/XXXX and I have yet to receive the miles. 

My husband opened a checking account as well on XXXX. He met the requirements on XX/XX/XXXX and he has also not received the bonus miles. 

In the terms and conditions of the promotion, it states clearly in bold face that the miles would be credited within 30 days of meeting the requirements. The bank has been stonewalling me for almost 2 months. I was going to use these miles for a vacation in XXXX, which now is highly unlikely. 
I would think this is considered Fraudulent!!

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 2023-07-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: MI

Complaint narrative:
Upon checking my credit report via credit karma, I observed a collections/charge off being reported on XX/XX/2023, for a XXXX XXXX XXXX XXXX account said to have been opened on XXXX XXXX. This is showing an owed balance of {$3000.00}. I was recently the victim of identity theft and had other fraudulent charges appear on my credit report from other retailers as well. I never signed or entered into any contract/agreement with XXXX XXXX XXXX XXXX. I never received any itemized billing statements from XXXX, nor have they made any attempt to verify this account or the charges stated. This account and any charges incurred were done fraudulently and without my knowledge. 

Convergent Outsourcing , Inc is now contacting me in an attempt to collect a debt from me on charges that were incurred without my consent or knowledge. These are fraudulent charges that I am not liable for.

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 2023-07-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MO

Complaint narrative:
Jefferson Capital is claiming I owe money for a XXXX bill, but my XXXX account was paid in full when I closed it several years back. I also disputed the date that they reported because it is much more recent than the account I held at XXXX. They lied in their response and stated that they can re-age a debt whenever they collect on it, which I know is illegal. If they refuse to remove this false collection, they need to at the very least reflect the date of the alleged default correctly. They can't lie and tell me that they choose the date. What is my recourse for this and why was this statement by them not investigated? Are you not supposed to protect the consumer? They need proof that I owe this money and a correct date to go with it. In the mail I received, they only showed me a front page of a supposed bill ( with no transaction detail or ANYTHING- just a total amount ) and the date on my credit report does not reflect the bill date at all. This would be a false debt validation. Additionally, this letter was sent XXXX XXXX XXXX XXXX and I stopped using XXXX years before that - when I lived in XXXX. This is totally bogus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 2023-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
This card offered a bonus cash reward of {$100.00} if your spent a certain amount which I did back in early XXXX. I inquired with the Bank back in XXXX and still waiting for a resolution. The marketing of the cash back reward appears as a deceptive practice as the reward is not paid in a reasonable time frame and resolving is taking an unreasonable time at this point. Perhaps their practice is to delay, delay in hoping cardholders will just close the card without receiving the reward.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-07-11 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: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
This debt collecting company violated my rights. I provided all the proof how they violated my federal rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX  XXXX Balance : {$21000.00} XXXX  XXXX XXXX Balance : {$500.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$780.00} XXXX XXXX Balance : {$21000.00} XXXX XXXX Balance : {$21000.00} XXXX  XXXX XXXX Balance : {$100.00}

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