vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-13 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I booked a trip with a company called XXXX on XX/XX/XXXX. This is the XXXX the XXXX time we have used this company over the past 4 years and have never had any issues. This year rolls around and we are in a pandemic and my trip was canceled by the company and they said we have issued you a credit for the amount of the trip. However, you will not receive exactly what you originally booked unless that is available. I knew in my mind that the trip we had planned was not going to be rebook-able at the rate I had received for what I was getting. I had reached out to the company who refused to give me any money back at all. After a week of arguing with XXXX  I went to my bank. I wanted to disputed the 3 charges on my account. XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Wells Fargo refused to even dispute the initial 2 because they said visa will not investigate due to the age of transaction. They did issue me a credit that was deemed finalized in XXXX  of 2020! Then in the process of trying to get them to even dispute the initial 2 charges they said the company sent over a signed agreement where you forfeit your right to dispute because of the agreement. I never signed anything. Ever. I finally got the company to agree to give me a partial refund however they would not refund me {$1200.00} due to the airlines refusal to give them a refund. I said no worries wellsfargo already had given me a credit at the time ( prior to the reversal ). In lateXXXX right before XXXX without a warning I go back into my account ( I had already switched everything out due to their terrible customer service and refusal to assist me, but was waiting on XXXX  to give me a refund on my original form of purchase ) and wells Fargo had taken back the credit they had given me without any warning. They just sent my account into the negative knowing I was waiting for the refund and the 2nd stimulus. I called back again and they said we notified you. I said how? I never was aware of anytime that they had reversed the decision. No messages in my inbox. No emails. Nothing. They were waiting. They knew money would be going into that account and preyed on it and waited for the right moment because they knew funds would be available. They need to be investigated for these awful practices.

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 2021-01-13 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: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
send informatyion to all : XXXX XXXX  all information on the report, not mine XXXX XXXX XXXX ( same ) XXXX XXXX XXXX ( same ) XXXX XXXX ( same )

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 2021-01-13 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: TN

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 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: BANK OF THE WEST
State: UT

Complaint narrative:
Bank Of The West - - {$23000.00} is reporting erroneously on my credit file. I recently checked my credit and noticed this debt. They are reporting a debt that I do not owe. This debt is really old. Not only is it past the statute but it also past the credit reporting limit per the FCRA guidelines. I do not owe this debt and it needs to be removed from my credit 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 explanation
Consumer complaint received 2021-01-13 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: LA

Complaint narrative:
Equifax is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
they are posting this and i dont have nothing to do with this i asked them to remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I provided a letter from XXXX XXXX  to XXXX XXXX of Fifth Third Bank. The letter was addressed to me. At no time did I give consent or authorization for Fifth Third to share my personal information with anybody. Fifth Third took it upon themselves to contact My creditor, XXXX XXXX, and share confidential and private information regarding my Fifth Third Mortgage with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit buraus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened an account with Citi on XX/XX/XXXX and I deposited {$15000.00} within 30 days of account opening and deposited additional {$1100.00} within 60 days of account opening. I was promised to receive {$500.00} bonus for opening a checking account however I didn't receiver any. 
I received an email on XX/XX/XXXX saying I didn't meet the requirements so I won't be receiving promised bonus. I reached out to the bank via instant chat app within the Citi 's online portal and got told to call a number. I did as suggested and I was told I would receive the said amount in XX/XX/XXXX. 
At the time of submission of this complaint, I haven't received promised bonus for opening an account with Citi. 
I reached out to the Citi via same channel ( using instant chat available in the online portal ) on XX/XX/XXXX and I got the same exact response from the representative. 
I don't want other people to get tricked into opening an account with them.

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 2021-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

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 2021-01-13 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: NC

Complaint narrative:
Ive always kept up with my credit report and ensured I made responsible decisions with my credit. Im still in disbelief that someone was able to take out car loans and credit cards in my name. Losing my job due to the pandemic, my identity being stolen, my credit greatly impacted, and my family passing away due to XXXX has impacted me heavily. Please help me get my life back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: KS

Complaint narrative:
I purchased and traded in a new vehicle from layered XXXX XXXX in XXXX Kansas at that time my trade-in had {$23000.00} left on the loan amount with Toyota financial group. XXXX XXXX did not fully play off the Toyota financial loan leaving a balance of {$250.00}. I was unaware that the new dealership did not completely pay off the loan for the trade-in vehicle they made a mistake during that transaction with paying off the loan to Toyota financial. I get a hit on my credit report from Toyota financial saying that my account was delinquent two months after the transaction with the new vehicles dealership had been completed. I have reached out to Toyota financial numerous times to no avail. I have spoken with the dealership that sold me the new vehicle and made the accounting error and they have offered to write a letter to Toyota financial to dispute the delinquency because it was the new vehicles issue and mistake. They will give me any documents we need to clear this up I have like I said Ive tried to talk to the Toyota financial to no help besides a address.I was never informed by Toyota financial that the loan was not completely paid off and did not know that I was responsible for an additional {$250.00} until I got a ding on my credit I blame the new dealership and I blame Toyota financial for not reaching out to me and not telling me that the complete loan was not taken care of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-13 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

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 2021-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Commercial Services, Inc
State: NC

Complaint narrative:
Received the notice on XX/XX/2021. Tried to call the number provided several times, but no one ever answers the phone. 

On XX/XX/2021 overnighted a dispute letter to company, Continued to try to call the number provided several times. No one ever answers Emailed the company and received the following response : Please be advised Mr. XXXX requested the supportive documents merely 2 hours ago. We represent all 50 states regarding Subrogation claims and this is not a debt. I have requested the documents to be attached to the claim, and when they are, he will indeed receive them. 

Thank you for your patience in this matter. 


However, the letter clearly states that this is an attempt to collect a debt. This is deceptive and illegal debt collection practices and an attempt to collect a debt that was settled ( against the company ) in arbitration.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 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: NJ

Complaint narrative:
I opened a TD Beyond Checking account on XX/XX/XXXX. They advertised customers can earn {$300.00} sign-up bonus with {$2500.00} direct deposit in 60 days. In terms of eligibility, they clearly stated the below in the Promotion Disclosure section ( screenshot attached ) : " Offer is available to new personal checking Customers who do not have an existing or prior personal checking account at TD Bank within the preceding 12 months and complete the required qualifying criteria. '' I completed the criteria on XX/XX/XXXX yet still no bonus, so I approached TD Bank. They replied I was ineligible for this bonus because I had a checking account with them back in XXXX - which clearly contradicts with their disclosure term of the " preceding 12 months ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 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: Bread Financial Holdings, Inc.
State: UT

Complaint narrative:
Comenity Bank/Victoria 's secret is reporting me late on XX/XX/20 & XX/XX/20. Due to the unanticipated circumstance surround the pandemic Covid 19 I have been really struggling. My employer has cut my hours since the beginning of they year and I have been severely financially impacted. I have had accounts with you and been a very loyal customer and ask as a one time courtesy for you to remove these lates from my credit file. Under the CARE act you're not even supposed to file negative notations on credit during the pandemic to begin.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
I contacted LVNV or Resurgent Capital Services. Whenever I believe I am contacting LVNV who sent me the mailings I am linked to Resurgent Capital Services. 

Today XX/XX/XXXX - I called Resurgent Capital services to try and discuss and settle my accounts. 
1. I was informed that the accounts were now with a servicer - XXXX. 
2. I was provided the number to contact XXXX and also provided with a reference number. 
3. I contacted XXXX verified my identity and then provided the reference number. 
4. I was told by the representative with XXXX that my account was listed with a sub-servicer. 
5. The sub-servicer was XXXX XXXX XXXX  and I needed to contact them to discuss the accounts, any payments and possible settlement. 
6. I received just the phone number to XXXX XXXX XXXX. I contacted XXXX XXXX XXXX  and after providing all of my information I was told that they did not have my account. 
7. XXXX XXXX XXXX stated that I must contact XXXX XXXX because they MAY have my account. They provided the number to XXXX XXXX. 
8. I contacted XXXX XXXX, verified my information and was told I did not have an account with them. 
9. XXXX  XXXX stated that I needed to contact XXXX again in order to find out who was the sub-servicer on the account. 
10. I called XXXX back, verified my information and provided the reference number. I explained to the representative that I contacted both XXXX XXXX  and XXXX  XXXX  and that both sub servicers stated that they did not have my account. 
11. XXXX then told me that they did not have any further information and would have to email someone within their company in order to find out where my account was located. 
12. I called Resurgent Capital Services back and informed them of what happened. The representative stated that he could not assist. Although Resurgent Capital services OWNS the account, and I have not received any paperwork from any servicers at all that I still owed the debt even though I could not technically pay on it???? 
13. These companies do not appear to have a system in place that allowes me to discuss or even pay my debt. It feels unfair that not only could my accounts not be located but that I couldn't even pay them BUT they are reporting to the credit bureaus. 
14. If I can not pay the accounts because the servicers and sub servicers can not locate the accounts then why are they still reporting?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
Carrington Mortgage has been falsely reporting to all 3 credit agencies that this account was paid 30 and 60 days late in XX/XX/XXXX and XX/XX/XXXX. This account was never paid late. This account is paid as agreed. This account was referred for investigation regarding the late payments. It was discovered that the payments were missing the correct account number when the rep took the payments and therefore never posted to the account, causing the issue of payments being reported late. Shortly thereafter, the pandemic occurred and the account went into forbearance. This has been disputed with Carrington Mortgage over the last year and to date they have not updated the credit files to remove all negative comments on the credit reports to reflect pays as agreed and no late payments. 

In speaking to another Carrington rep today XX/XX/XXXX by the name XXXX she made comments regarding my ethnicity thinking I was on hold, saying I that these XXXX people need to just pay those accounts this is a clear indication that my credit reports are not being updated due to race or some other discriminatory practice. When she realized that I was not on hold when I asked her what she meant by the comment she disconnected the call. 

Ive reported this to Carrington Mortgage again today in writing of the XXXX comments made via the research department employee as well as filed a complaint with the Federal Trade Commission about their practices. This is my final attempt to get this corrected before I seek legal action to have this looked into. It is a breech of my rights to have incorrect data reported to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc. (FL)
State: FL

Complaint narrative:
TRYING TO COLLECT ON A DEBT I DONT KNOW THEY THEY HAVE ARE USING MY INFO FOR BAD

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 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: CA

Complaint narrative:
EXTORTION FROM CAPITAL ONE - FORCING TO PAY FOR PURCHASE NEVER MADE. 
CRIMINALS - THIS COMPANY HATES PEOPLE NEVER EVER GET A CAPITAL ONE VISA CARD 15 YEARS OF LOYAL PAYMENTS NEVER EVER LATE SINCE GOT HACKED - NOTHING BUT PROBLEMS - SINCE GOT HACKED CARD WAS MAILED BACK TO HEADQUARTERS IN UTAH MONTHS AGO AND THEY STILL BILL ME {$4.00} A MONTH FOR A CARD THAT DOES NOT EXIST, EXTORTION FROM CAPITAL ONE - FORCING TO PAY FOR PURCHASE NEVER MADE. 
CRIMINALS - THIS COMPANY HATES PEOPLE NEVER EVER GET A CAPITAL ONE VISA CARD 15 YEARS OF LOYAL PAYMENTS NEVER EVER LATE SINCE GOT HACKED - NOTHING BUT PROBLEMS - SINCE GOT HACKED CARD WAS MAILED BACK TO HEADQUARTERS IN UTAH MONTHS AGO AND THEY STILL BILL ME {$4.00} A MONTH FOR A CARD THAT DOES NOT EXIST,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Real Time Group, Inc.
State: CA

Complaint narrative:
Interest was too high for 1st mortgage

Company response to consumer: Closed with explanation