vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-12 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: WAKEFIELD & ASSOCIATES, INC.
State: CO

Complaint narrative:
THIS ACCOUNT HAS BEEN PAID IN FULL AND I HAVE A LETTER FROM THE CREDITOR STATING THAT THE ACCOUNT IS PAID TO A XXXX BALANCE AND THERE IS NO MORE RESPONSIBILTY OF ME TO THIS DEBT. I HAVE SENT THIS INFOMATION TO THE CREDIT BUREAUS, BUT THE ACCOUNT IS STILL REPORTING AN OPEN BALANCE. THE ACCOUNT SHOULD BE CLOSEED AND REMOVED

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
THIS ACCOUNT HAS BEEN PAID IN FULL AND I HAVE A LETTER FROM THE CREDITOR STATING THAT THE ACCOUNT IS PAID TO A XXXX BALANCE AND THERE IS NO MORE RESPONSIBILTY OF ME TO THIS DEBT. I HAVE SENT THIS INFOMATION TO THE CREDIT BUREAUS, BUT THE ACCOUNT IS STILL REPORTING AN OPEN BALANCE. THE ACCOUNT SHOULD BE CLOSEED AND REMOVED

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 2021-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
I am continuing my complaint with resurgent as they are relentless. After harassing myself, mother, brother, and grandmother in law over a debt I'd set up a payment contract with the originally creditor who cancelled it upon the 1st payment. 

They repeatedly ignored cease and desist notices calling to the point we changed numbers threatening legal action ... .even sending someone to my former residence and bypassing no trespassing signs. 

The lawsuit they continued sending all info the the wrong address. They failed to represent themselves and the case was denied. They continued sending collection notices to my current address but then refiled for the lawsuit sending the information to the wrong address which failed to notify me in time to receive proper representation. upon that the judge sided with them based on a sea of lies. He stated he'd stop them from contacting me. But the fact remains I do not owe this debt to them. The contract was cancelled by the original creditor. 

They have since then bombarded me with collection notices going back nearly 15 years. They keep coming despite repeated cease and desist notifications. They will not stop and I am in the processing of obtaining legal counsel to see what my legal recourse for this company is. Note the above fore mentioned debt has been removed from my credit report and the agencies sided with me that it was a cancelled contract,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: VA

Complaint narrative:
I applied for a credit card with Discover through a soft credit inquery and was denied. I then only switched the value to the desired amount ( less ) for credit and resubmitted, though this time they treated it as a hard credit pull without explicitly stating this information up front. 

I've called Discover multiple times about this and they stand firm that they are right and I should have known that this minor adjustment within the application would trigger a hard credit pull. 

This is total XXXX XXXX that they are standing by this, they don't even know what the web portal looks like, but are comfortable saying I should have known. I've talked to them on the phone for hours and they are not helping me, it's mind blowing that they can stand firm on something they don't even know about, nobody I talk to even knows what the credit application looks like or includes. 

I want this removed, it is not right and Discover mislead me by saying it was a soft credit pull and did not clearly state this minor adjustment to the application would evolve into a hard credit pull.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
Credirt report is reporting inacurate information on my credit report. It is reporting a Honda  XXXX Finance Account both late and charge off. 
The account was closed and has a XXXX balance. 
Complaints sent regarding this to Experian. 
XX/XX/XXXX letter sent XXXX complaint XX/XX/XXXX XXXX complaint XX/XX/XXXX complaint case XXXX Fax sent to XXXX XX/XX/XXXX XXXX has refused to cooperate and fix the error I need this to be delete and updated from my file for failure to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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: GA

Complaint narrative:
ive tried to deal with the credit bureaus on these matters in several occasions there is fraudulent info on my report and im going to sue due to no other recourse

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 2021-05-12 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: GA

Complaint narrative:
ive tried to deal with the credit bureaus on these matters in several occasions there is fraudulent info on my report and im going to sue due to no other recourse

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
We had 3 lates inXX/XX/2020 that were 30 day lates. 
XX/XX/2020 XX/XX/2020 XX/XX/2020 This was due to us being laid off because of COVID. 
I have tried several times to fix this with the company and they refuse to take these lates off my credit report. 
This is not fair. The world shut down and this was out of my control. 
These lates should have never reported. We are back up to date on everything.

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 2021-05-12 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
I have attached my call logs from my cell phone from the last few months. I blocked one number so they started to use another. I have asked them to stop calling. I asked over the phone AND I mailed a letter to their office. Below each number is a list of the dates they called me XXXX XX/XX/XXXX, twice XX/XX/XXXX, twice XX/XX/XXXX, once XX/XX/XXXX, twice XX/XX/XXXX, once XX/XX/XXXX, twice XX/XX/XXXX, twice XX/XX/XXXX, once XX/XX/XXXX, twice XX/XX/XXXX, twice XX/XX/XXXX, once XX/XX/XXXX, once XX/XX/XXXX, once XX/XX/XXXX, once XX/XX/XXXX, once inXX/XX/XXXX XX/XX/XXXX, twice XX/XX/XXXX, twice XX/XX/XXXX, twice XX/XX/XXXX, once There is more seen in the call records for that number but I think those are sufficient for you to see the harassment from the one number alone The second number they started to use after I asked them to stop calling and blocked the first number is XXXX XX/XX/XXXX, so far once but its in the early afternoon so who knows if they will call again XX/XX/XXXX, once XX/XX/XXXX, once XX/XX/XXXX, twice XX/XX/XXXX, once XX/XX/XXXX, once I have now blocked this second number as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Halsted Financial Services, LLC.
State: VA

Complaint narrative:
On XX/XX/2021, I received a phone call from Halsted Fin. Svc. at XXXX. 
I have gotten frequent calls from them throughout the day for the last 3-4 weeks or more and when I answer the call, no one responds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have sent this collection agency prove of my identity theft and they are refusing to close and not move forward with this collection process. my identity was stolen and I am at the current process of fixing this issue.

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 2021-05-12 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: SC

Complaint narrative:
I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and the transactions I dispute was opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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: U.S. BANCORP
State: RI

Complaint narrative:
Dear XXXX XXXX ; Failed to provide proof and method of investigation ... What was your method of investigation, because I specially contacted both your agency and the original creditor directly asking to see detail proof of all documents and transactions that I was ever late and I received a 1-page genetic template that they are reporting ACCURATE. How? I 's my understanding that they need to report information accurately and you have to ensure that information on my consumer report is reporting within the guidelines and provisions of FCRA. Again, this item I am disputing is listed below and Ive either attached screenshots with highlighted inconsistencies and inaccurate information. Its impossible that these accounts can be investigated because it continues to report misleading, inconsistent, inaccurate, and unverifiable data, and therefore its not in compliance with the consumer laws. There are inconsistent with the way each credit bureau is reporting the late one said that I was late and the other said that I was OK for that month.different dates of last payment, last reported, last active, etc.

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 2021-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I scheduled a Bill Pay payment to XXXX XXXX, CO for our annual property taxes on XX/XX/2021. Chase was to have sent the check on XX/XX/2021 to arrive at XXXX XXXX by XX/XX/2021. My mortgage company notified me today that my taxes are past due. I went back into my Chase Online Banking account to look up the Bill Pay, and saw the payment status as " rejected '', and a note indicating " We didn't approve this payment ''. I called Chase 's Customer Service department, talked with one agent who transferred me to a complaints person who took down my information. She would not give me the name of any manager I could speak to, and indicated someone will contact me within 7 days. Chase never notified me of rejecting my Bill Pay request. This is completely unacceptable, as is their supposed complaints process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Request to reopen CFPB case # : XXXX ACCOUNT NUMBER : XXXX To : Chase Credit Card Dispute Team XXXX Fax XXXX XXXX & Chase Dispute escalation team - Fax XXXX Chase Claim # - XXXX, Chase Reference # : XXXX I disputing about the Chase claiming that Chase has transferred the {$5000.00} to XXXX XXXX  XXXX XX/XX/XXXX, and to the designated intended merchant XXXXLawoffice. This is not a billing error, it is about money transfer is lost, both the merchants bank - XXXX bank and the merchant declared that they never received the {$5000.00}. ( as shown by the attached letter from merchant is included below ). 
Therefore, I want the re-bill to be cancelled or undone, and the dispute case to be re-opened I request that the {$5000.00} be recalled back to Chase from whoever/wherever Chase has sent to? 
So that the {$5000.00} to be credited back to my credit card account. While both Chase and XXXX together needs to reconcile the loss of the {$5000.00} transfer. The {$5000.00} charge on my credit card to be on hold while this is being reconciled and do not close the dispute case. 

XXXX XXXX XXXX XXXX XXXX : XXXX _____________________________________________________________________ Email from merchant : XXXX XXXX XXXX XX/XX/2021, XXXX XXXX Dear XXXX, The {$5000.00} that Chase claimed XXXXhat Chase has transferred out on XX/XX/XXXX to my merchants bank XXXX has never received, so I never received the {$5000.00} payment, as this has been mis-directed. 

It also does not make sense that Chase would send it to some 3rd party processing agent when XXXX itself is a processing agent. Chase should have sent the funds directly to XXXX, not some other intermediary processing agent. I think Chase sent the funds to the wrong place. 

XXXX tells me that Chase should be able to escalate this to a higher level and recall the {$5000.00} that never transferred properly to me, the merchant via my merchants bank XXXX. 


XXXX XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
On XX/XX/XXXX, after I pulled my credit report, I found out multiple accounts that I did not recognize. I was told to file a Identity Theft Police Report which I did. After that, I submitted my disputes to the credit bureaus with the account : BEST BUY/CBNA alleged opened on XX/XX/XXXX with an alleged balance of {$3700.00} # XXXX, still show on my credit report. I contacted the company on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I spoke with XXXX, XXXX, XXXX, XXXX and XXXX at Best Buy City Bank Fraud Department and Security Operations at XXXX, XXXX and XXXX and the problem was not resolved.

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 2021-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I tried to file a complaint with the Executive Office at Chase regarding their rejection of a Bill Pay I requested to pay my annual property taxes. I filed a separate complaint on that matter with the CFPB. 

Chase apparently doesn't have a formal complaints process for customers. I talked to a phone banker, who transferred me to a supervisor, supposedly in a complaints department, who looked up my information and then wanted to transfer me to another department. I requested he open a complaint with their Executive Office to do the research and notify me on the resolution, rather than me spending time getting transferred around to different departments. The phone bank supervisor apparently entered notes of my complaint in their system, however would not give me any kind of complaints reference number, or name of anyone that would follow-up with me. 

Chase 's " complaints '' process is unacceptable. Additionally, they apparently have no controls in place- no call monitoring that I was informed of, or anything, to monitor the customer experience in trying to file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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: PA

Complaint narrative:
On XX/XX/XXXX a dispute letter was sent on my behalf to XXXX XXXX  XXXX, and the three major credit bureaus ( Transunion, XXXX XXXX XXXX  with the intention of opening an investigation hoping to be provided with some form of written agreement stating that this account in fact belongs to me. As this account opened in XXXX of 2018 with a credit limit of XXXX XXXX appears on my credit file as a charge-off. I have no knowledge of this account, and after the conclusion of the investigation no proof was provided to me proving otherwise although my account has been updated. It is my understanding that if proof can not be provided, the account should not and can not be reported according to the law on 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 2021-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: GreenSky, LLC
State: MI

Complaint narrative:
Greensky keeps harassing me, although I told them to stop contacting me. I've had to block their calls and they keep sending me mail although I asked them 2 months ago to charge off my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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: RI

Complaint narrative:
Dear Credit Bureau ; Failed to provide proof and method of investigation ... What was your method of investigation, because I specially contacted both your agency and the original creditor directly asking to see detail proof of all documents and transactions that I was ever late and I received a 1-page genetic template that they are reporting ACCURATE. How? I 's my understanding that they need to report information accurately and you have to ensure that information on my consumer report is reporting within the guidelines and provisions of FCRA. Again, this item I am disputing is listed below and Ive either attached screenshots with highlighted inconsistencies and inaccurate information. Its impossible that these accounts can be investigated because it continues to report misleading, inconsistent, inaccurate, and unverifiable data, and therefore its not in compliance with the consumer laws. There are inconsistent with the way each credit bureau is reporting the late one said that I was late and the other said that I was OK for that month.different dates of last payment, last reported, last active, etc.

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 2021-05-12 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: EQUIFAX, INC.
State: RI

Complaint narrative:
Dear Credit Bureau ; Failed to provide proof and method of investigation ... What was your method of investigation, because I specially contacted both your agency and the original creditor directly asking to see detail proof of all documents and transactions that I was ever late and I received a 1-page genetic template that they are reporting ACCURATE. How? I 's my understanding that they need to report information accurately and you have to ensure that information on my consumer report is reporting within the guidelines and provisions of FCRA. Again, this item I am disputing is listed below and Ive either attached screenshots with highlighted inconsistencies and inaccurate information. Its impossible that these accounts can be investigated because it continues to report misleading, inconsistent, inaccurate, and unverifiable data, and therefore its not in compliance with the consumer laws. There are inconsistent with the way each credit bureau is reporting the late one said that I was late and the other said that I was OK for that month.different dates of last payment, last reported, last active, etc.

Company response to consumer: Closed with explanation