vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: McCarthy, Burgess & Wolff, Inc.
State: AZ

Complaint narrative:
When we had transferred our family wireless plan from XXXX XXXX XXXX to XXXX in XX/XX/XXXX, there were numerous issues that were encountered in transferring our lines of service over. One of these issues resulted in the line of service for XXXX erroneously being set up as a sub-account by XXXX on their system. I was told on several occasions that the issue had been resolved and the account had been consolidated with the primary account for all our other lines of service. Since I had enrolled in auto-pay, the primary account has always been paid on time and XXXX provided verbal confirmation that all charges would be billed and charged through this primary account. 

However, I recently discovered that although the sub-account was consolidated, the charges for a brief period of time in XX/XX/XXXX were never consolidated and billed through the primary account. Although this was entirely due to a XXXX processing error, XXXX sent these charges to a third-party collection agency in XX/XX/XXXX without my knowledge. And again, I was told on multiple occasions not to worry about the sub-account billing as everything had been consolidated under the primary account which was enrolled in auto-pay. 

As a result of this error, my XXXX XXXX has been adversely impacted. When I contacted XXXX 's billing representative on XX/XX/XXXX, I was also able to finally get resolution on several other charges to my account which were in error resulting in credits of {$64.00}. These credits were applied to my primary account since XXXX said they no longer have access to my sub-account. 

Per XXXX 's direction, I then contacted their third-party collection agency XXXX XXXX  XXXX to notify them of my conversation with XXXX and filed to file a separate billing dispute with them. However, after this conversation with them, I have not received any written confirmation of my dispute or confirmation that they have contacted XXXX. When I followed up with XXXX, they indicated that they have not been contacted by XXXX & XXXX and they can not correct my account information until that happens. Repeated attempts by me to contact XXXX & XXXX in writing have been unsuccessful.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 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:
On XX/XX/XXXX I sent a letter to the credit bureas XXXX and TransUnion disputing the validity of In accurate items on my credit report they sent me a credit report on XX/XX/XXXX stating " The company that reported the information has certified to Experian that the information is accurate ''. This information was not reported to XXXX nor Trans Union per attatched letter I sent from the Bankruptcy CourXXXX. 
According to the FCRA the credit agencies are to report accurate information being reported to them. According to the FAIR CREDIT REPORTING ACT FCRA 611 ( 15 U.S.C. 1681 ), Procedure in Case of Disputed Accuracy ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at an agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2021-07-28 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: PA

Complaint narrative:
FTC already submitted for XXXX XXXX XXXX {$2500.00}. This account is not my obligation and need to be blocked from my credit report card. I was unable to upload documents to Experian website.

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 2021-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I sent in a bank check for XXXX ( last four digits of account number written on check ) and a payment stub to Barclays on XX/XX/XXXX. The check was received by Barclays and payment was made by my bank to Barclays on XX/XX/XXXX. I first called Barclays on XX/XX/XXXX to inquire why the payment was not applied to my account. An investigation was opened at Barclays and I have since not been given any acknowledgment that my payment was received despite giving them a copy of the cancelled check from my bank. The customer service reps give me vague boiler plate answers telling me a resolution will come within 2 billing cycles!

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 monetary relief
Consumer complaint received 2021-07-28 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
The loan # XXXX with XXXX XXXX was in a modification status as of XX/XX/XXXX. On XX/XX/XXXX I received a letter from XXXX stating that the mortgage was in default and in order to bring the loan current I would be required to pay {$6800.00} by XX/XX/XXXX. On XX/XX/XXXX I made a payment through XXXX XXXX XXXX for {$4500.00}. On XX/XX/XXXX I made a payment through XXXX for the remaining balance. I have attached the 2 payment receipts below. On XX/XX/XXXX the loan was transferred to another lender. On my credit reports with Experian and XXXX they are reporting the account as 90 days late for XXXX, XXXX, and XXXX XXXX. 

I disputed it with XXXX on XX/XX/XXXX and they denied my request. I am now asking the CFPB to investigate and update the account with the accurate information asap. 

Thank you 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 2021-07-28 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:
On XX/XX/XXXX i check my credit through XXXX XXXX website and i noticed a fraudulent account on my credit report along with a bunch of unauthorized credit inquires. Before reaching out to XXXX, equifax and XXXX, i took the time to reach out to each and every company that the fraudulent account and credit inquires was submitted. I did not do business with such company. I always get email from XXXX stating that my information was on the dark web. I was also affected by the equifax breach. I have attached the identity theft report along with my social and drivers license.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
There's a mortgage delinquency noted on my Experian credit report. I've contacted the company, XXXX, and their investigation has revealed that they did not report to Experian that my mortgage, which was in forbearance, as being delinquent. I've opened a dispute with Experian and was told that it's going to take 30 days to correct. I do not have 30 days. I am in contract to purchase another property and if I don't receive a mortgage commitment within the next 7 days, the contract will become null and void. I've asked Experian to expedite this matter and was told by the rep that they have no control over expediting disputes as it's all done by computer which is a wholly inadequate response. I also opened a chat session on Experian.com and was told via chat that I was correct that XXXX  did not report me as being delinquent. This seems to be an Experian error and I need it corrected 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 non-monetary relief
Consumer complaint received 2021-07-28 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. XXXX XXXX Date of inquiry : XX/XX/2020 3. XXXX XXXX Date of inquiry : XX/XX/2020 4. Identity Theft XXXX/DOFED Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXXXXXX Account Number : XXXX This is not mine. 

6. Identity Theft US DEPT ED Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

9. Identity Theft AMEX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

12. Identity Theft XXXX Account Number : XXXX This is not mine. 

13. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

14. Identity Theft XXXX Account Number : XXXX This is not mine. 

15. Identity Theft XXXX Account Number : XXXX This is not mine. 

16. Identity Theft XXXX  Account Number : XXXX This is not mine. 

17. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. XXXX XXXX Date of inquiry : XX/XX/2020 3. XXXX XXXX Date of inquiry : XX/XX/2020 4. Identity Theft XXXX/DOFED Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXXXXXX Account Number : XXXX This is not mine. 

6. Identity Theft US DEPT ED Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

12. Identity Theft BANKAMERICA Account Number : XXXX This is not mine. 

13. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

14. Identity Theft XXXX Account Number : XXXX This is not mine. 

15. Identity Theft XXXX  Account Number : XXXX This is not mine. 

16. Identity Theft XXXX  Account Number : XXXX This is not mine. 

17. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

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 2021-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
I've reached out to affirm numerous times about these debts on my credit report that do not belong to me ie XXXX, XXXX, and I believe there are 2 more that do not belong to me. I have one actual account with Affirm which was paid on time every month and in full and I keep asking for validation of this debt that keeps reporting on my report with no follow up I have been sending letters since the beginning of the pandemic about a year ago if they will not validate my debt I would like it removed from my report it is bringing down my score & livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
On XX/XX/2021, I attempted to make a store purchase with my American Express Bluebird prepaid debit card and it was declined. I tried to check my balance with the Bluebird phone app and it wouldn't allow me to do so. Instead, a comment would pop up stating something about the username and password are not correct. ( I'm sending a photo of the statement. ) I then received an email from Bluebird stating that my account has been suspended for a violation of section " 22D '' and they provided a customer service XXXX number if I had any questions. A minute later I received another email was stating that a dispute was denied for purchases that were made from XXXX that I had called Bluebird about because they were fraudulent and were supposed to be investigated. Apparently, charges in the amount of {$510.00} were made on XXXX with a XXXX XXXX that I had I had used before and was canceled due to receiving a new one. When the XXXX card did work, XXXX charged my Bluebird card for the purchase. I explain the matter to Bluebird and they told me that it would be taken care of. After receiving the emails, I called the number that was given for customer service. They stated that the explanation for the suspension is in the email but the email states to call customer service. When I requested the balance in my suspended account they told me that I would have to mail them a letter requested my balance. I have not received any more help and they refuse to take my calls asking for an explanation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-28 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I opened my account with Citibank. I changed my direct deposit to come to Citibank and 3 days later I got a email stating my account was being closed. I reached out to customer service and they were saying they didnt receive my funds. I called back the next day and thry had me call a consumer report company to get my funds back. 

I called again and was advised to visit a branch. I visited a branch and still was denied my funds. Then told to call the consumer agency again. But told my account will be closed in 3 days from now. And Ill get a check on 30-60 days. Yet still without my funds and unavailable to pay my rent and my attorney fees. This is crazy. I feel played and not helped.

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 2021-07-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: BSI Financial Holdings, Inc.
State: NV

Complaint narrative:
My mother owns the home. Got behind due to Covid lost job. My dad lost life to XXXX. My moms house defaulted as a result. We were told we were protected by the moratorium in place. When I went to sign closing docs they added {$33000.00} in unpaid fees and interest and {$10000.00} in penalties. The bank statement itself says we owe {$15000.00} to be current. I was told they are violating regulation Z by Legal Aid of Nevada. BSI Financial Services also told me the moratorium does not apply to them they are private investors. They said they will not reduce any of the fees. Even though we were effected by the pandemic. The fees are compounded at 18 %. Also when my parents signed they were not aware of what they were signing my dad had XXXX, is a veteran and they were both XXXX and XXXX at time of signing. I want to resolve this as quick as possible. If they will honor what it says on their bank statement of {$15000.00} I will agree to pay that. Id like the prepayment penalty waived due to extenuating circumstances beyond our control. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 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: Consumer Portfolio Services, Inc.
State: CA

Complaint narrative:
I sent a letter to the credit bureaus and the creditor on XX/XX/XXXX which was received by certified mail XX/XX/XXXX. I never got a response all I see is that they changed my account status to open and show a monthly payment frequency. Thus account is closed and being disputed for accuracy. They never sent contract or to show proof this ia my account all they do is say it is verified. Consumer portfolio services updating my account to show open with monthly payments is a direct violation of my FCRA RIGHTS. also the credit bureaus who allow them to show account charged off but open is in accurate reporting and also a violation of my FCRA rights. They both can be sued for each violation they continue to make. I have multiple certified letters asking for all documents for this account. After this step I will take legal action against them and the credit bureaus for abusing their reporting authority in a defaming way towards me. I will be seeing for each individual violation which is {$1000.00} per error according to the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Accelerated Receivables Solutions
State: CO

Complaint narrative:
Ive called them back and my husband has called them as well to see why theyre constantly calling me. They admitted they were a debt collection agency and when I gave them my info they responded with, We have the wrong person associated with your phone number we will remove you from our database. 
That was three months ago! 
They call me multiple times a day. 
Its borderline harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 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: FL

Complaint narrative:
On XX/XX/XXXX i check my credit through XXXX XXXX website and i noticed a fraudulent account on my credit report along with a bunch of unauthorized credit inquires. Before reaching out to XXXX XXXX and transunion, i took the time to reach out to each and every company that the fraudulent account and credit inquires was submitted. I did not do business with such company. I always get email from XXXX stating that my information was on the dark web. I was also affected by the XXXX breach. I have attached the identity theft report along with my social and drivers license.

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 2021-07-28 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: FL

Complaint narrative:
On XX/XX/XXXX i check my credit through experian 's website and i noticed a fraudulent account on my credit report along with a bunch of unauthorized credit inquires. Before reaching out to experian, XXXX and XXXX, i took the time to reach out to each and every company that the fraudulent account and credit inquires was submitted. I did not do business with such company. I always get email from experian stating that my information was on the dark web. I was also affected by the XXXX breach. I have attached the identity theft report along with my social and drivers license.

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 2021-07-28 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
XXXX continues to apply unauthorized charges to my CapitalOne ctedit card. 
Contacted them several times : last contact was XX/XX/XXXX - I was told automatic billing error : ref # XXXX - informed me to change my credit card - stated they could not stop charges. 

Disputed charges to CapitalOne XXXX credit card multiple times from XX/XX/2021 - XX/XX/2021. 
CapitalOne filed fraudlent charges and I had to change my card number two times and working on three. case # XXXX XXXX XXXX XXXX - charges were to be blocked without any success.

Company response to consumer: Closed with non-monetary relief