vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: WV

Complaint narrative:
This is a follow up to complaint number XXXX. Though ExperianXXXX did called me and said they were sending my consumer disclosure I never received this. I indicated this several weeks ago when the above complaint was closed. I asked them to plz forward another copy. 

This is my 4th request. 

Many thanks!

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 2021-10-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NV

Complaint narrative:
Good Evening, I have been having an issue with the 3 credit bureaus reporting fraudulent information on my credit profile regarding Jefferson Capital Finance I have called and sent in several letters with no resolution. I have asked several times for proof of the account listed on my profile. I have needed specified information and these companies are not able to provide. They only respond with letters stating the account is verified. I have asked for supporting documents and also how was the method of verification completed. Seeked out signatures, payment history, billing statements, etc. I have called on XX/XX/XXXX to XXXX and XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX to all three bureaus XX/XX/XXXX and XXXX to XXXX. Certified letters has been sent to each bureaus as well XX/XX/XXXX, XX/XX/XXXX, and latest letter XX/XX/XXXX. I have received written response form XXXX and XXXX. The letters in response just states the accounts have been verified but no evidence of that. XXXX has no sent any responding letters. Only updated info online stating accounts accurate. I will attach screenshots of the account being listed showing inconsistent reporting and date opened date. Also different ACCOUNT numbers. Jefferson Finance has not responded to any request for validation information. Again seeking information such as signatures of loan, bank account info, addresses, payment history. Not just a letter stating accurate without showing proof of an account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I sent a letter regarding inaccurate info and unknown things being on my credit report to Equifax 60 days ago.I have not received as response yet and seems as if my disputes being ignored

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
I opened the account due to a {$400.00} promo ad I had received from Regions. Account was opened on or around XX/XX/2021. I received a welcome email from a relationship manager on XX/XX/2021. 

Regions is denying me the promo because I did not make the transaction in 30 day period and that I was late. However, the lateness is not due to my fault as there were issues with Regions Bank and/or USPS that were outside of my control. 

First off, I did not receive the debit card on time. I received my debit card around XX/XX/2021 which reduced the number of days I had to make the required number of transactions. With there being COVID, I could not leave the house either to make my regular purchases. 

Second, realizing that I would not be able to leave the house, I made 17 small transactions to fulfil and exceed the limit set by Regions for the number of debit transactions. However, unknown to me, while the transactions were made within the 30 day period ( and 12 days if you count the time since I received the debit card ), Regions bank did not post those transactions until after the deadline had crossed. 

I am attaching screenshots of transactions I made showing that the merchant processed those transactions on time. 

I am attaching screenshots of transactions showing the transactions were made before the deadline. 

I have asked Regions bank to reconsider the denial and escalated the issue also but it was denied due to a 'banking regulation '. Based on my experience, there have always been exceptions specially when the card itself arrives late. I hope you can ask Regions Bank to reconsider the denial.

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 2021-10-08 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: CO

Complaint narrative:
XX/XX/XXXX and XXXX 2021 i made purchase for products that were never delivered, both of which are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX , through a wesbite and company known as XXXX XXXX, with order numbers # XXXX and # XXXX which were made online at XXXX 

Both items were purchased with my " Cashapp card '', a prepaid electronic debit card issued by XXXX XXXX 

The purchases turned out to be a fraud scam, when i ordered the items XXXX had given a 5 week delivery time estimate. Then as that timeline was breached, i contacted XXXX to find out what the holdup was, XXXX had asked me to wait and have patience and told me that the graphics cards were late because they were stuck in customs, and then a fewks later they were saying they didn't know how long until they'd be released from customs and then when iade a 3rd contact over email, XXXX had said they were in litigation for the cards and didnt know when they'd be delivered and said they were not allowed to issue any refunds. 

Then on multiple occasions, starting XX/XX/XXXX, again on XX/XX/2021, i had attempted to contact XXXX XXXX through the cash app support email, and even filed a XXXX complaint against the bank because Cashapp/XXXX XXXX refused to take my dispute for the fraudulent purchases saying I had only 60 days to complain about the fraud and refused to chargeback the fraudulent purchases for the items that were never delivered. I was robbed nearly {$1400.00} and the Bank is playing policy games in order to unjustly enrich fraud companies and make internet purchases insecure so they can assist theft. 

XXXX is shut down and i can not contact them and they are not replying, i can not contact XXXX and CashApp XXXX XXXX XXXX were informed of this with my XXXX complaint and still refused to protect me and chargeback the fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
When I log in to Equifax. 
XXXX XXXX XXXX XXXX XXXX I have not been able to log in at all with this message, " We are temporarily unable to complete this request. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/2021 I received an email from Fifth Third Bank stating " We're reaching out to let you know that your account ending in xxxxx requires prompt attention. '' I called and was told Fifth Third wanted to provide a " friendly reminder '' that my mortgage payment had not yet been received. I asked whether I was in default, which the representative denied. I was also informed I had until the XXXX of the month to pay without any late charges being assessed. I requested that Fifth Third refrain from providing such reminders in the future. 
On XX/XX/2021 I received a phone call from XXXX from someone claiming to be from Fifth Third who asked for personal information to verify the identity of the call recipient. I informed the caller I was at work, and declined to provide the requested information since I could not verify the true identity of the caller. 
While at work on XXXX XXXX I again received a missed call from the same number. 
Then again, while at work on XX/XX/2021 I received a call from the same number, again requesting personal information to verify my identity. I again declined to provide the information. The individual informed me they had urgent information about my Fifth Third account and that I needed to call the company immediately. 
I returned the call about 30 minutes later and asked the representative to record the call and provide me a transcript. I asked why I was being repeatedly contacted by Fifth Third while at work. I was informed the Collections Department was providing " friendly reminders '' about my mortgage account, although it was not in default. I asked why I was continuing to receive these calls when I had specifically requested not to be contacted with reminders. The representative was unable to provide a reason and offered to refer me to the Collections Department. After a lengthy hold, she informed me she would again process the request not to be contacted. She also refused to provide a transcript or recording of the call, stating those are available for internal use only. 
I would like Fifth Third Bank immediately stop the predatory and deceptive practices of unnecessarily contacting me, creating alarm about the status of my mortgage, and threatening me with action about my account because I refuse to provide them personal information any time they choose and in any manner they deem appropriate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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: CURO Intermediate Holdings
State: AL

Complaint narrative:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: WV

Complaint narrative:
I would like to request my complete consumer disclosure from the Experian Asset Verification division, specifically the one that advertises " ... it is the only solution in the market to be fully FCRA-compliant and adhere to credit bureau reporting and dispute processes ... '' ( SEE ATTACHED FROM THE EXPERIAN WEBSITE ). 

Also, please provide any consents from me as well as the specific source of any consents. 

Considering you advertise " ... coverage of 80 percent of financial institutions ... '', you have my data.

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 2021-10-08 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: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I filed a claim with my bank, Wells Fargo, back in XX/XX/2021. The dispute was a debit from my account in the amount of {$830.00} from XXXX XXXX XXXX AL where I NEVER received any product due to unavailability of furniture due to COVID-19. XXXX XXXX does not divulge the complete information until payment has been submitted -- gives a standard reveal that furniture will be available in about 3-4 weeks. This is not true because XXXX XXXX is accepting orders knowing full well that the furniture is unobtainable. Now, XXXX XXXX is stating it is entitled to my {$830.00} because it has a non-cancellation policy. This is not the issue -- I NEVER received any product nor was contacted to state that the product is available for shipment -- NEVER. Wells Fargo did an investigation and credited the monies back into my account ; however, WF is reversing that decision and debiting my account because XXXX XXXX is stating that " charges were made by you or someone who had your permission. '' XXXX XXXX is not entitled to the {$830.00} because this is a scam -- never received any product nor was contacted to state that the furniture was available as of this date. This is highway robbery.

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 2021-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
I went through a credit repair company with the idea that I would only be charged when services were provided. Nothing was done on my credit and then XXXX XXXX XXXX put a collection account on my report for {$1300.00}. They did nothing for me except take my money and then tried to charge me even more. I requested a copy of my contract and they still have yet to provide me a copy with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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: GA

Complaint narrative:
In XX/XX/2020 an derogatory account was reported for {$9900.00}. I'm filing a claim under FCRA Section 611 ( a ) ( 1 ) A. I am in desperate need of this account being 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 explanation
Consumer complaint received 2021-10-08 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: TX

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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: NV

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I was contacted on XX/XX/21 apprx. XXXX XXXX. and XX/XX/21 apprx. XXXX XXXX from " Bank of America XXXX Fraud Department '' stating that someone had setup a XXXX transfer from my bank account to a XXXX XXXX account. They stated to prevent his from going through that I would have to set up a XXXX tranfer using my name and contact # of which I did in the amounts of {$100.00}, XX/XX/21 and {$3100.00}, XX/XX/21. They also informed me that the funds would be refinded back into my account after 24 hrs. which did hot transpire. Contacted Bank Of America and spoke withh the XXXX Fraud Dept. and was informed that I basically fell victim to a scam. Also infrormed that this scam has been ongoing problem with B of A 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 monetary relief
Consumer complaint received 2021-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Klarna AB
State: MD

Complaint narrative:
On XX/XX/2021, I first contacted this company to let them know that I did not know anything about this debt and needed information on the transaction. I was told that they were unable to provide proof of the debt at this time. 

Since that day and today ( XX/XX/2021 ), I have attempted to contact their customer service agents several times via email and chat to resolve the issue. Today, I went ahead and paid the {$400.00} debt because I do not need that on my credit report. I have explained to them several times that this charge could have been fraud, and not one person cared.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax dropped my credit score 87 points without any negative information on my credit report. Reason given was " Lack of real estate accounts on file ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: GA

Complaint narrative:
I have never sign contracted or have anything to do with this company. They are violating HIPPA law by disclosing medical reason for collection

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 2021-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Blitt and Gaines, P.C.
State: IL

Complaint narrative:
In the recent days I received mail stating i was to be in XXXX session for a court hearing for an amount of XXXX. I am not sure if all this is a type of scam. When I called the number on the paperwork, the represenative that answered was rude and hung up on me. The prompt said the call was being recorded. I did look up this company Blitt and Gaines and it looks to be a debt collector. I am a Military Veteran and I have heard of so many scams going on. Please help. All the best, Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Enterprise Systems, Inc.
State: CA

Complaint narrative:
I am a victim of fraud and misrepresentation on or about XX/XX/XXXX. 
1. At the time of the contract, I was unemployed without any possibility to pay any debts. 
2. A non-homeowner income was used for qualifying purposes. 
3. I never received the alleged rebate that was promised to me at the time of the contract. Since the rebate was not given the payment of the solar panels increased and I was unable to keep up with the payment causing me to fall behind on payments. 
4. I was never notified that any electricity that was used beyond the capacity of the solar system would be charged by XXXX at end of the year. 
5. On or about XX/XX/XXXX, a solar company representative of the solar company came to my house turned off the solar system, and installed a lockbox terminating any further use of the solar panels. 
6. When they locked the system, I contacted the solar provider to arrange a payment option which they declined and said I had to pay it in full or it would go to collections. 
7. The solar system was installed on my roof knowing my roof needed to be replaced. 
8. Two licensed general contractors of the State f California inspected my home shortly after the installation of the solar equipment and certified that the roof needed to be replaced and a nominal fee to uninstall and install the system after a new roof was installed ( estimate available upon request ). 

Be advised the process to qualify for this solar panel was fraudulent. I have never been able to use any of the solar panels since they were installed.

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 2021-10-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Account number : XXXX ( XXXX XXXX ) Account status : Closed Date opened : XX/XX/XXXX Account type : Cell Phone Balance : {$200.00} Status date : Date the creditor last reported information about the account payment status. 
XX/XX/XXXX Account number : XXXX ( XXXX ) Account status : Closed Date opened : XX/XX/XXXX Status date : Date the creditor last reported information about the account payment status. 
XX/XX/XXXX Account type : Utility Balance : {$180.00} After a recent review of my Experian credit report I noticed the two accounts listed above that are in collections. I had no knowledge of these accounts, I had no accounts with XXXX during the time of the accounts and I believe they were opened fraudulently or is simply an error. I have filed a identity theft report with FTC and have been reaching out to the companies thats reporting this 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 non-monetary relief