vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
There are 8 commenity bank store accounts on my credit report. None of them are mine. I found out about this after a summons was sent to my house for two of the accounts that were purchases by XXXX XXXX. I responded to the summons saying these aren't mine and I've never been in a XXXX or Victorias Secret in my life which to this day is true. At the time a lien/judgement would have been devastating to the prospects of buying my first home but i didnt have the money to settle until a year later. The damage has been done and now I'm paying for it still. Despite these not being my accounts. 

I'm here asking the CFPB to help with this matter. 

Commenity is reporting 8 accounts on my credit reports. 2 were used by someone and the other 8 were never used but still remain on the report. I did not open, sign up for or use these accounts. 

XXXX Victorias Secret XXXX XXXX  XXXX  XXXX  XXXX  XXXX  XXXX  XXXX XXXX During the lawsuit in 2018 I provided a response saying exactly this and what happened is they provided me with statements. But statements do not prove I didnt sign up for these accounts. I was told the burden of proof is on me. I was only made aware of these in 2018 when I was sued. The 6 other accounts show a perfect standing on my report but i want my report to be accurate. These are not my accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-12 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: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and BMW Financial Services. The Account Opened is BMW Financial Services Account Number : XXXX Date Opened : XX/XX/2010 Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I sent letters to all 3 credit bureaus on XX/XX/2020 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 324 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2021-10-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I applied for a CIticard on XXXX XXXX. They could not verify some information so they did not approved me but called me from two different numbers with instructions to call them back. The first number they gave me was XXXX and they gave me access code end in XXXX. When I called back the automated system could not connect me to anyone despite waiting a long time and then told me no one was available and disconnected me. They called another time from a different number and also left a message for me to call XXXX with my application ID and a security code. When I tried to call them the recorded message said they could not approve me, which was why I was calling, told me they were sending a letter and then disconnected me. At no time on either call did I get the chance to speak with a human to clear up the issue. This is horrible customer service and may be a great reason not to use Citicard for anything in the future. However they have now put an inquiry on my credit which will reduce my score and the reason they couldn't approve me is because they are confused about something. Clearly confusion reigns supreme at Citicard! This was likely due to a recent move so they wanted to confirm my address but I can't do that unless I speak to someone! This company is misleading the public and has terrible customer service.

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 2021-10-12 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: Commonwealth Financial Systems, Inc.
State: KS

Complaint narrative:
I sent commonwealth financial a validation of a debt letter and in return they sent an itemized statement, ( in which I asked for a validation of debt. ) They've yet to validate the debt that belongs to the hospital in which commonwealth bought. When talking to commonwealth, after not receiving what I asked for, they were rude, and hung up during me speaking, after stating they sent out paperwork. Might I add, again not DEBT Validation. Another CSR even stated they should of been removed from bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Regardless of the multiple written requests, the LVNV FUNDING LLC ( XXXX XXXX XXXX XXXX XXXX ) still reporting on my credit report in violation of Federal Law. The 3 Credit Bureaus are failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please re-investigate most especially the status information on this account. Otherwise, delete this collection account PRONTO.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 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: CA

Complaint narrative:
improper access to my credit report

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 2021-10-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am XXXX 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 3 Credit Bureaus 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 accounts that are reporting on my Credit Reports : MIDLAND FUNDING LLC - XXXX Opened JXX/XX/2017 Balance {$5000.00} MIDLAND FUNDING LLC - XXXX Opened XX/XX/2017 Balance {$3800.00} MIDLAND FUNDING LLC - XXXX Opened XX/XX/2017 Balance {$1400.00} MIDLAND FUNDING LLC - XXXX Opened XX/XX/2017 Balance {$1400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-12 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to Equifax Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: VA

Complaint narrative:
I was given this gift card for helping a friend make a marketing video for her business. I have attempted to register the card multiple times and it seems to be impossible. Their website ( https : //www.giftcardmall.com/ ) doesn't allow registration and the phone number on the card ( XXXX ) simply refers you to the website. 

I checked the ratings for this company and they appear to be a scam. 

Blackhawk Network ATTN : Customer Service XXXX XXXX XXXX XXXX . XXXX XXXX, NV XXXX Issuing Statement for Card : The Visa Gift Card is issued by XXXX, XXXX, Member FDIC or XXXX XXXX, XXXX, XXXX XXXX, MN XXXX, Member FDIC, pursuant to a license from Visa XXXX XXXX. Please see back of card for Issuer. Your card may be used in the United States everywhere Visa debit cards are accepted. The card may not be used at any merchant, including Internet and mail or telephone order merchants, outside of the U.S. or the District of Columbia. See Cardholder Agreement for complete details. Use of this card constitutes acceptance of the terms and conditions stated in the Cardholder Agreement. Distributed and serviced by Blackhawk Network California , Inc. 

2020 Blackhawk Network , Inc. All rights reserved. Trademarks shown are property of their respective owners and used with permission.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management
State: TN

Complaint narrative:
I have never done any business with PLAZA SERVICES.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
CCS COLLECTIONS Contact XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF {$120.00} THE COLLECTION HAS BEEN REPORTED AS PAST DUE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There has been correspondence sent regarding incorrect information being reported on my credit report. It appears as XXXX XXXX XXXX XXXX. 
I received a general response they always tend to send regarding a dispute stating it was verified as valid although the errors are still reflecting the account. I requested a method of verification twice and I did not receive it. The errors that continue to appear clearly indicates that an investigation and/or research was not accurately processed or these errors wouldve been identified.

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 2021-10-12 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I've contacted Experian and XXXX to have these fraudulent items removed. XXXX has requested Experian not to remove or dispute items. I've filed a FTC report as well as police report. These items are fraudulent and I feel like the companies are not complying.

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 2021-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
good day this complaint is about Navy Feb bank and their level of unprofessionalism. 
I got a call from the bank about a month ago talking A lady called and confirmed my information and simply told me it was a routine bank call. 
She asked if I referred any family members to the bank of which I replied to the affirmative. 
the next day, I tried logging into my account from my office laptop, all to no avail I called the bank at about noon and was told my account was closed indefinitely without explanation. 

This is not just illegal, it's outrightly wrong. I implore the bank to restore my savings, checking and 2 credit cards with immediate effect or will take this up with my lawyer XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XX/XX/XXXX I just spoke to Wells Fargo Mortgage regarding the following : I own a home that has only my husbands name on record. My husband passed away XX/XX/XXXX, from XXXX. The home is in my name with the county, city and state records after probate. Wells Fargo will not let use the Internet or receive information other than paper mailing, which is still in my deceased husbands name. 

I received a letter ( that was very condescending ) stating I could still keep the loan on that property, keep the same interest rate, etc. but I would not be able to use the internet to access information and all communications would be by paper mail unless I assumed the loan. 

Today I called he telephone number for the Wells Fargo mortgage assumption department given to me in the letter. I was told to assume the loan in my husbands name that I would need to provide my income history, have an excellent credit score ( mine is over 800 ), and pay closing costs. I asked for an estimate of cost for closing and was told these amounts : Credit Report {$18.00}, Texas Doc Fee {$100.00}, and get this a 1 % of the loan Wells Fargo fee which would be $ XXXX. I stopped the agent then and said thats over {$1000.00} plus any other fees Wells Fargo Mortgage charges. No, thank you. 

She then said since the property was in my name I could refinance with Wells Fargo Mortgage, again a range of fees. I said, no, thank you, as I can refinance at any other mortgage loan company, possibly without closing costs, as the value of the house is 3-4 times the value of the current Wells Fargo Mortgage XXXX 

I think it is despicable that Wells Fargo Mortgage uses a widows circumstance to make money for only to be able to just be online with the mortgage account. 
I have had other situations with Wells Fargo Banking that would not have happened with XXXX with whom I bank with now. I have my friends and family tell me they do not like Wells Fargo and in fact just found out recently my granddaughter-in-law left Wells Fargo Checking and joined XXXX banking services. 

I will copy this information and distribute it to where ever I can find a site that critiques Wells Fargo. 

Thank you for your time and consideration. 


XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: AL

Complaint narrative:
I did an instant transfer ( XX/XX/21 ) of {$16.00} from cash app to my LISTED XXXX account. The money was not received. I texted cash app support the next day. The person didn't know why it didn't transfer and credited me the XXXX cent transfer fee. Waited the 3-5 days for normal delivery, but still not there. XXXX says it wasn't received. Cash app says they sent it. Normally, I get an email confirmation from XXXX when money is received. But, i didn't this time. Now, cash app says it's nothing they can do but provide the transaction date, time, expected location and Retrieval code, to which XXXX suggests that info can not be used and is internal to cash app. I've since closed my cash app account after several days of back and forth. I've even contacted XXXX, who then, after their letter to Cash app didn't help much, suggested I come here to get possible closure and my money from cash app.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: PNC Bank N.A.
State: NC

Complaint narrative:
I walked into PNC Bank on XX/XX/2021 to make my XX/XX/XXXX. 2021 payment. The teller posted my payment incorrectly. I have called the branch manager, XXXX, XXXX with PNC retail, XXXX and the consumer loan department to try and get this resolved and to date my payment is still not posted correctly. Actually, because the teller posted it incorrectly, I received a late notice on XX/XX/2021, a late fee, and accrued interest. I was told by XXXX, XXXX, and XXXX that a request would be put in to have the payment corrected and it would take 3-5 business days. This was XX/XX/2021. It still has not been posted correctly and I can not get any information when it will be resolved, just that these things take time. There are other payments I have made on this auto loan account that have been posted incorrectly, however, the XX/XX/2021 was the only one that has made me appear LATE. I want this CORRECTED. I worry my account will show late on my credit report. This is all because the teller was not properly trained how to post payments to a simple interest loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The particular account PORTFOLIO RECOVERY that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-12 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 have tried over and over to understand what is going on with our auto loan. We make our payments on time and somehow I have a small past due balance on here. We have paid it but it keeps rolling over in to the next month with fees and I don't understand why. This continues to report late on my credit report as lates and drive my score down. I don't even know what is happening and when I call, I have no answers because we are not late. I had one person tell me that these shouldn't even be on here and they were going to speak to management, we never heard back.

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 2021-10-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
LVNV FUNDING LLC XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF {$610.00} THE COLLECTION HAS BEEN REPORTED AS PAST DUE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
Notice to all in fact, pursuant with title 15 of the US constitution I am a consumer. The United States is a Corporation pursuant 28 usc 3002 ( 15 ) and I Am a consumer of this corporation. As a consumer I have never signed a contract or PROMISSORY Note with the company XXXX XXXX XXXX. I believe them to be a 3rd party debt collector which means they must operate once 15 usc 1692 the Fair Debt Collection Practices Act. I demand to see proof that XXXX XXXX XXXX  is in fact the owner of any alleged debt they may claim I own, I am formally requesting a receipt of. purchase giving them authority to collect this alleged debt. Pursuant 18 usc 8 ANY and ALL bill and certificates of indebtedness are the obligation of the United States the corporation not me the consumer. I also have never given written or oral permission for this item to be furnished on my consumer reports which is a direct violation of 15 usc 1681b. Notice in Fact that I am demanding these alleged debts be removed OR send me check in the mail for {$5000.00} for every minute that its been on my consumer report

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