vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
The bank called me and alerted me that I has some questionable transactions on my account. After going through the transactions over the phone with them, I noticed that there were other charges on my account that were not approved either. 

I submitted the claim and the entire claim was denied, because they didn't see any evidence of fraud on my account and they advised me to call each merchant to see if they can process me a refund. 

After calling the first company XXXX they looked up the information and someone under the name XXXX XXXX used my account number which I have no idea who that is. 

My frustration comes from the bank not doing their jobs properly, I made one phone call so far and got this information, the other difficult part is that I have no information to tell the merchants other than my debit card number and some of their systems aren't allowed to enter that information.

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 2021-09-21 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: PA

Complaint narrative:
Three credit bureaus are together not improving my credit score all account has been paid off and charge off which means no further interest charge on them. 

Kindly remove all the old and relevant information from my credit report and please help me to get a better picture of my credit health.

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 2021-09-21 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: FL

Complaint narrative:
I'm in the process of trying to clean up my credit report. 

I've disputed a few collection accounts initiated in XXXX of this year. Both the debt collector and ( Equifax and XXXX ) are reporting that the dispute has been resolved but neither company can tell me what information they have on file to show that these are true statements. 

I had a hard inquiry placed on my file by a car dealership without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Over the past 6 months, my credit has been ran for a number of different companies. I do not have any credit or checking account ties to any of these companies. I called Equifax a number of times to have this information removed with no luck. At this point, these items are disturbing my finances and ability to obtain accounts. I including a list of inquiries that I would like removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are still reporting on my accounts and need to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX  Date of inquiry XX/XX/2021 XXXX  Date of inquiry XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
To Whom it may concern, My name is XXXX XXXX and I have been the victim of a fraudulent landlord. I have been in contact with this landlord since he reached out to me from a rental website ( XXXX ) as I was looking to move into his home in XXXX XXXX. The landlords name is XXXX XXXX, who checks out as a certified agent after doing research on him. After applying to his home, he reached out to me asking why I was interested and followed up with other general questions agents and landlord tend to ask tenants. To summarize, we built good rapport and i continued with the application process. A week later, he emails me the good news that I have been approved and i just need to wire him the security deposit, first months rent, and last months rent. All which i did through XXXX and XXXX. He then tells me the keys will be expedited to my current address by the next day. Well, the next day comes and he is unresponsive. Not only do i not receive any updates from him but the keys never come. I instantly drive out to the property and the current tenant there knows nothing of a XXXX XXXX. Please help me, I have spent most of what i have in this transaction hoping to obtain this house. Only to be left with nothing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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: MA

Complaint narrative:
I have the JetBlue mastercard through Barclay 's and enrolled in autopay that normally goes through on the XXXX or XXXX of the month. On XX/XX/XXXX, I was reviewing my bank account to ensure all direct payments were made and sufficient balance remained, no transfer to Barclaycard was evident. 

I logged into my online jetblue/barclay portal on XX/XX/XXXX and found that I had a {$29.00} late payment fee charged. I immediately paid the full balance as of the last statement cycle. I then called Barclay 's and after a long time on hold, was told the problem was on their and and that the late fee would be removed ( it was ). 

I don't think anything else until XX/XX/XXXX when I find that my bank account has now had 2 withdrawals for the full balance, causing my balance to fall too low to cover needed payments. I called Barclay 's and was told they best they could do was send a check within 7 business days. Upon speaking with a manager, I was told he would try to expedited this delivery time, but that ACH would not be an option. 

Will update with actual time money was not in my account.

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 2021-09-21 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: National Credit Systems,Inc.
State: AL

Complaint narrative:
I was a resident at the community regency gates From XXXX. I was not in a lease and I was paying month to month, I left the community in XX/XX/2018. Shortly months later in XX/XX/XXXX I get an alert from merchant adjuster out of XXXX stating I had a balance from my former apartment complex. I then called the apartment complex within the second week of XXXX and spoke with someone by the name of XXXX I believe. I asked why was I being charged these fees? She advised me it was for the time it took them to find an occupant for my apartment. I then advised her how was that so when I wasnt in a lease? I advised XXXX that the prior manager XXXX ( who is no longer employed there ) told me that I would not need to submit any notice prior to moving out due to me being month to month and not in a lease. I advised XXXX this was told to me verbally over a phone call in early spring of XX/XX/XXXX. I was not evicted, I was not let out of anything. I simply saw a new community that I wanted to live in and moved. This issue seems to come from the community itself and their miscommunication. The problem is that I moved out in the middle of a management swop and something had to be handled improperly. Over the past 2 years almost 3 I have sent in many disputes to the current collection agency as to this account being false and still to this day as I write this misinformation still stands. I am trying to by a home for me and a XXXX XXXX child and this account is not ok to have on my credit and is completely false. I need this fixed and rectified quickly and swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This account is currently showing 30 days late for the month of XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax dropped my credit score by three points on XX/XX/21 and XXXX lowered it by two points for new balances on my XXXX card for {$110.00} and XXXX XXXX card for {$11.00}. This is insane and abuse of power. I am using less than 0.5 % of my credit line and both balances have been paid in full. This should not have been allowed to occur. They have done this to me in the past a few times and I am not going to let this continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PENTAGON FEDERAL CREDIT UNION
State: GA

Complaint narrative:
A fraudulent wire was initiated from my account. I have contacted my bank and after a week nothing has changed. I called back in again and the first call never saw any action. I never received any text alert about a wire charge. I would like funds placed back into my account. Wire was done on XX/XX/19 plenty of time has gone by to fix this problem. 

I changed all account numbers changed all passwords to accounts and secured everything on my end.

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 2021-09-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
Bb & t has charged me since XXXX  every XXXX {$14.00} for a service I do not use. 

XXXX XXXX XXXX XXXX managed by Bb & t, tried to contact XXXX XXXX several times, went to their branches personally and no one seems to know how to stop those charges from my business checking account for XXXX XXXX XXXX. 

I do not use or have XXXX, BB & T is short on staff and they either they dont have the time or desire to assist customers.

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 2021-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: FL

Complaint narrative:
I had a debt reported on my credit file that isn't my debt. I spoke with Mr XXXX XXXX at Vance & Huffman in regards to debt, Mr XXXX stated that he would have this removed from my credit and that he submitted a removal on XXXX XXXX but it's still showing a negative impact on my credit. This incorrect reporting has caused my credit score too drop over 40 points.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-21 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: Affirm Holdings, Inc
State: PA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This account should not be showing the current status of 30 days late since it's already been paid for. It seems impossible to accrue late on an account that has already been paid. The XXXX Credit Bureau is attempting to violate this clear understanding. Please Investigate and report the payment status positive and update the late from reporting on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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: OneMain Finance Corporation
State: CA

Complaint narrative:
I have been disputing an account that is reporting incorrectly on my credit report since XXXX of XXXX. I understand that due to COVID, there were delays in receiving responses from the credit reporting agencies and creditors, but at this point there is no reason as to why the paid OneMain Financial charge-off is still reporting inaccurately. 

On XX/XX/XXXX, I received a letter from OneMain stating they have requested that the credit reporting agencies make the necessary corrections to my account.

For example, the last payment date, payment history, and high credit limit are not reporting correctly. This inaccuracy was confirmed by OneMain.

I was advised by OneMain to allow up to 30 days for my credit report to reflect the update of this information. I just reviewed my credit report, 7 months later, and the errors are still there!

My most recent letter to OneMain was sent on XX/XX/XXXX, and to date I have not received a response. 

It is clear that they do not maintain reasonable procedures to ensure the accuracy of consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Back in XX/XX/2021 I increased my credit card limit. Transunion continues to report outdated information from XX/XX/2021. Every other month they drop my score between 30-45 points claiming that my credit limit has decreased and the next month they report an increase and raise the score, only to go back to XXXX report the next month and drop my score again! I have filed numerous disputes and spent hours on the phone with XXXX XXXX, Transunion, and my credit card company trying to get this resolved since I am trying to fix my credit and purchase a home. Transunion continues to blame the issue on my credit card company, except that all the other credit bureaus are reporting accurate information, so its clearly transunions 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 2021-09-21 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: IL

Complaint narrative:
XXXX XXXX XXXX {$410.00}, XXXX XX/XX/XXXX {$670.00}, XXXX XXXX XX/XX/XXXX {$290.00}. I just looked at my credit for the first time in years, I see all the above listed accounts that someone put in my name. These are not my accounts, I never used these accounts nor did I apply for them. I have spoken with the creditor about each individual account and filed an ftc report. They have refuse to remove these items from my credit. These are fraudulent accounts and they need to be removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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: IL

Complaint narrative:
XXXX XXXX XXXX {$410.00}, XXXX XX/XX/XXXX {$670.00}, XXXX XXXX XX/XX/XXXX {$290.00}. I just looked at my credit for the first time in years, I see all the above listed accounts that someone put in my name. These are not my accounts, I never used these accounts nor did I apply for them. I have spoken with the creditor about each individual account and filed an ftc report. They have refuse to remove these items from my credit. These are fraudulent accounts and they need 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 non-monetary relief
Consumer complaint received 2021-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: FIRST MERCHANTS CORPORATION
State: IN

Complaint narrative:
I sold my motorcycle to someone I met through XXXX XXXX on XX/XX/2021. The buyer came from out of town and gave me what he claimed was a cashier 's check, the amount was {$12000.00}. The check says it is from XXXX  XXXX XXXX. I deposited that check the next day on XX/XX/2021 into my checking account at First Merchants Bank. 
I was contacted by a manager at the bank the following Monday, XX/XX/2021, to inform me that the check had bounced due to insufficient funds. My bank said they would try to run it again and they would let me know. I followed up with the bank on Friday, XX/XX/2021, and I was informed that the check had not bounced the second time and that the " higher ups '' had requested the physical check so that they could look into it. I was told that this was a good sign, and that we should know something in a week. I stopped back in on XX/XX/2021. The manager had not heard anything, which he said was also a good sign. So, while I was there, he called the " higher up '' who had requested the check, who told him that everything should be fine ; she said most of these things are figured out within a week. I was told that there should not be a problem. So, I waited a little longer to be sure. 
I returned to the bank on Tuesday, XX/XX/2021, and I was told by a different manager that the check had cleared and that they had collected on it. I asked very explicitly, " Does this mean it is now okay to spend that money? '' I was told yes. So, I used that money for a down payment on a new truck. 
Much to my surprise, I was buying dinner a month later on XX/XX/2021, and my debit card was declined. I checked my checking account, and it was plunged deep into the negative. My account had been charged {$12000.00}. The charge was for a check with an incorrect routing number. The same check that I had been told was cleared and collected on. 
I went to my bank the next day, XX/XX/2021, assuming it was a mistake. I was told that it was not a mistake and that there was nothing that they could do about it. I was told that there was no safety net or protection for this sort of thing. I was told to contact the police, and that there was nothing else that they as the bank could do for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
The company in question is the SWC Group in XXXX, TX. I found out of their existence via my credit score dropping 40 points due to an unknown debt held by SWC that allegedly originated via XXXX telecommunications. This is false. I've never had an outstanding debt with XXXX. I closed the account out years ago and opened a new account with my wife. No mention of money owed when account was opened. Fast forward a few years and this delinquency pops up. No letters or phone calls. When I call SWC they hang up on me as they do not have a record of my existence. Very rude. After finding the ceo XXXX XXXX I decided to personally email him. He didn't not take to kind to that. This firm is a fraud. {$96.00} is a very small amount but I can imagine their practices with some of their less fortunate clients. They need to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
Southwest collections. Never advised me of a debt. Also it's not mine. They don't have my social. They claim it's cable equipment from 4 years ago. The original creditor never reported to my credit report. They purchase an old cable equipment debt and put it on my credit without notifying me. Then say I owe XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX dropped my credit score by three points on XX/XX/21 and TransUnion lowered it by two points for new balances on my XXXX card for {$110.00} and XXXX XXXX card for {$11.00}. This is insane and abuse of power. I am using less than 0.5 % of my credit line and both balances have been paid in full. This should not have been allowed to occur. They have done this to me in the past a few times and I am not going to let this continue.

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