vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-05 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2022-05-05 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Tried to file dispute with XXXX, TransUnion and XXXX for incorrect payment history on XXXX account XXXX XXXX, their online system did not allow me to file dispute. I am within my rights pursuant to FCA to file 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 non-monetary relief
Consumer complaint received 2022-05-05 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Tried to file dispute with XXXX, XXXX and Equifax for incorrect payment history on XXXX account XXXX XXXX, their online system did not allow me to file dispute. I am within my rights pursuant to FCA to file dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I had a problem with another company XXXX  charging my account so I called Wells Fargo to dispute the charge. 

Now Wells Fargo has locked me out of my account and they are claiming that I did not sound like myself when I placed the phone call yesterday! What I think happened is the bank is retaliating against me because I was angry by the time I got through their endless maze of a phone tree! 

This started XXXX at XXXX - I spent ALL DAY long and placed over 100 phone calls to their customer service which kept ringing to the Philippines XXXX to agents who do not speak XXXX and are not able to help. They kept claiming that their system was down and not able to help. Now today they are running me in endless circles of 1st telling me I have to go into the branch, then they will say no we can help, but then never do. 

They are playing games with including pretending they can't understand the card #, claiming I am using abusive language and then hanging up on me, becoming irate when I become upset on the phone. 

I have been locked out of my account for over 24 hours and their customer service representatives are telling me it that it all depends " on how I treat them whether my account will be turned back on or not '' The level of insanity in dealing with this bank is obscene.

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 2022-05-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SCA Collections, Inc.
State: NC

Complaint narrative:
In accordance with the Fair Credit Report Act SCA Account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the XXXX Credit Bureaus in an attempt to receive verification of the following items. 


XXXX/XXXX  Account Number : XXXX XXXX/XXXX  Account Number : XXXX XXXX XXXX  Account Number XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: LOGICOLL, LLC
State: CA

Complaint narrative:
I have already made a previous complaint, company responded with false information and I have been met with harassment since then. Ive spent 8 hours on hold and the phone went unanswered for the duration of the day, it is not possible to get through to pay my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 


XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : 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 2022-05-05 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 


XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number 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 2022-05-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
In XXXX of XXXX I inquired as to why XXXX had not taken my XX/XX/XXXX auto withdraw as scheduled. My account was blank and I had received no email or physical mail indicating my loans had been switched to a different servicer. I figured out my loads were sent to Aidvantage. I called Aidvantage and complained about how no one notified me and that I had a payment post-due. Am I now in default for something I did not cause? Is the XX/XX/XXXX payment still required to put my account into the green? Rep told me " no, because the switch happened while the payment was due, you will not owe that payment ''. I was highly doubtful. So I set up my Aidvantage account. And I was overdue for that payment. And Aidvantage had access to my banking information that I never authorized. I immediately called back. The rep I got the second time informed me that a ) the former rep was mistaken and I need to pay the overdue amount immediately. And B ) that I shouldn't worry that Aidvantage had my banking information without my consent because they got it from XXXX. I paid my overdue balance that day, XXXX. In XXXX when I began loan repayment, my accrued interest was added to my principal. Meaning through the covid measure in place. I no longer had accrued interest and my current interest rate is 0. However, my XXXX payment, XX/XX/XXXX payment, and XX/XX/XXXX payments all have {$340.00} of {$500.00} applied to interest. The remaining {$160.00} is all that is being applied to my principal. I have tried calling and emailing Aidvantage and can not get resolution, a supervisor will not return my calls. They are telling me I have accrued interest, but I have documentation from XXXX stating I did not as of XXXX because it was applied to my principal. Also, the Aidvantage website does not have any accrued interest documented on my account, and I have 0 % interest. Aidvantage is committing fraud against student loan borrowers. Furthermore, it had been 3 full months and the student loan has not been reported to credit agencies. At any minute my score will tank which will negatively impact my ability to find a new place to live. It's terrifying.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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: Spring Oaks Capital, LLC
State: VA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as lati purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
My payment due date on this vehicle purchased through Ally Auto finance was changed and was never updated on my credit bureau so my report shows XXXX late payments. I tried resolving this issue with the creditor to no avail. The vehicle has since been off in full.

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 2022-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Bureaus, Inc.
State: CA

Complaint narrative:
Attempted to contact the bureaus to pay my debt and have been routed to another company called XXXX. XXXX has since been harassing me and refusing to allow me to pay my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
So I sent a letter off XX/XX/2022 to remove personal information off my credit report that I no longer want on my credit report. According to Fair Credit reporting act 12 USC 1681, I have the right to privacy. Also, according to 15 USC 6802, no financial institution is supposed to share my information with a third party.

These are clear violations of my federally protected rights.

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 2022-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ACIMA CREDIT, LLC
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I CANCEL THE MONEY THAT I SEND OVER SEA TO XXXX ON THE XX/XX/XXXX MONEY TO MY LOVE ONE. SO I CANCEL THE MONEY ON THE XX/XX/XXXX. PAY PAL GAVE ME AN EMAIL THAT THEY DID CANCEL, BUT THEY DID NOT INFORM ME ABOUT MY MONEY BEING RETURN TO ME. MY NAME IS XXXX XXXX, THE CASE NUMBERS IS XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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: WI

Complaint narrative:
Experian has been holding an inaccurate, fraudulent account on my credit report ( XXXX XXXX opploans, account number : XXXX ) for a long time now and refuses to remove it. This has brought trauma and hardship to my family. Ive submitted an FTC report, and disputed this account many of times. Please order experian to remove this account 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 non-monetary relief
Consumer complaint received 2022-05-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
This dispute is for an overcharge by XXXX. 

I bought a XXXX XXXX  for {$320.00} on Wayfair order XXXX. I had {$230.00} in rewards points/credits on my Wayfair account from my Wayfair/Citibank credit card XXXX So during check out, I applied the {$230.00} points to the {$320.00} item which would be {$97.00} total plus tax ( 8 % is {$7.00} ) on the {$97.00} = {$100.00}. This is what I authorized to be charged on my card XXXX XXXX credit card during check out which is what i used to pay the difference. 

However, I find today that Wayfair charged {$350.00} ( {$320.00} plus tax ) to my XXXX XXXX card and did not apply the {$230.00} in rewards/credit as it was when I checked out during the purchase. I have been over charged {$250.00} because they refuse to apply my Wayfair points. 

I have also advised XXXX that I am unable to use any points during check out and there is something wrong with my account. My pleas to resolve this go unanswered. 

I called Wayfair customer service line at XXXX who told me that they could not help me and that my account would be handled by the " XXXX XXXX XXXX ''. I asked that the XXXX XXXX XXXX call me due to my XXXX in accordance with the Americans with XXXX XXXX. Instead someone by the name of XXXX XXXX from Wayfair started to email me and refused to apply the Wayfair points/credits in my account giving no reason why. They asked for documents showing the points on my XXXX account and I gave them the same as I am giving you here. XXXX XXXX just closed the case and did nothing to fix the overcharge or apply the Wayfair points. I spent four hours on the phone and in emails with Wayfair and they refused to correct the overcharge. 

I did NOT agree to the {$350.00} charge on my XXXX XXXX credit card, it just showed up on my XXXX account today. The correct amount I was to be charged for this item was {$100.00} NOT {$350.00}. 

Not being able to use my Wayfair credit card rewards is a violation of the terms and agreement of the Wayfair credit card issued by Citibank N.A.

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 2022-05-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
I sent two secure emails to TARGET to close the account, I have done this with several other credit cards and not had any problems, but I was told I had to call to cancel. When I Called to cancel, I was asked why and told I shouldn't close it, when I said again I wanted to close it I got the same response. I felt like I was getting bullied into not closing my account. I was told to think about it.. and I finally just ended the call. This is not acceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: Frank Innovations, Inc
State: FL

Complaint narrative:
I applied for credit with Go Subscription , LLC dba GO Subscription, a car subscription company. The company advertises Customer eligibility as : Minimum credit score : XXXX, Minimum age : XXXX, Valid driver 's license, all of which I have, thus, making me eligible. GO Subscription ran my credit application and denied my application, simply stating via email : " Unfortunately, we are unable to approve your application at this time as it did not meet our eligibility requirements. Meeting these minimums does not guarantee approval. Exceptions can not be made. '' I contacted GO Subscription for further clarification and they were unable to provide any. I asked for an adverse notice, they informed me they do not provide these at this time. GO Subscription is offering credit to consumers but not providing them with specific details related to the rejection of applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: United Collection Bureau, Inc.
State: VA

Complaint narrative:
This company called my phone 3 times in a row this morning after they got no answer. I am terminally ill, considered XXXX by the federal government, meaning I am on XXXX. I only answered because I assumed it was one of the companies who monitors my implanted XXXX XXXX  trying to warn me of an issue after the 3rd time in a row only to find these vampires on the other end. I also have received no written letters or conformation of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
Hello Respected Sir/Mam, This complaint is against Comenity bank XXXX credit card. The bank offered me a balance transfer offer and I tried to use it. The bank promised that the funds will be available to use within 30 days from the request. I never received the funds and it is been more than 30 days. I called bank and asked to track the check they sent and confirm when/how the check was cashed? They don't have any details on check being cashed ever. Now they started charging me for the monthly payment for the amount of balance transfer which I never received. I called the bank multiple times but they are not helping to resolve this issue. Requesting your help to resolve this matter. 

Thanks, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: AZ

Complaint narrative:
I was on the Covid 19 forebearance plan. On XX/XX/2021, I contacted Flagstar to begin the process of transitioning off of it and back to making regular mortgage payments. At that time, I was told to go ahead and begin making my monthly payments so I did. Payments were made XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and so forth to this day. Sometime during XXXX, Flagstar finally managed to reset my loan off of the Covid 19 forebearance plan. However, they now have added a {$15.00} fee to my account because they told me that they had to send someone out to my house on XX/XX/XXXX to ensure I was still occupying it because they didn't hear from me for more than 30 days. First, no one ever came to my house so it's doubtful this actually happened. Second, I was making regular mortgage payments on the first of every month which people who have abandoned property do not do so that just doesn't even make sense. Third, every time they called saying they were collecting on a debt ( which happened every month during the entire 18 months I was on the forebearance plan ), I always spoke with them and reminded them of that. So it is a complete lie that they did not hear from me more than 30 days at a time. I contacted their customer service and relayed all of this information a couple of weeks ago. She said she would put in a request to have it removed but it is still on my account and shows as a late fee. It appears that Flagstar is trying to impose a malicious and probably illegal fee on my account for having taken advantage of the Covid 19 forebearance plan. Retaliation for participation in the relief program is not permissible under the statute when the government created the program.

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 2022-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
This debt was paid Confirmation # 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 2022-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Foris DAX, Inc.
State: CA

Complaint narrative:
I HAD STAKED {$400.00} 180 DAYS AGO, WHICH ONCE THOSE DAYS WERE UP I WOULD BE ABLE TO UNSTAKE AND WITHDRAWL. CRYPTO.COM REFUSES TO LET ME WITHDRAW MY COINS.

Company response to consumer: Closed with explanation