vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-15 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
Experian is the only bureau reporting several accounts inaccurately and they are in violation of the Bankruptcy Stay ... 
-- - They are reporting 13 accounts for - US Dept of Ed - every month and reporting Lates as recent as XX/XX/XXXX!!! These accounts were included in my bankruptcy which was discharged and these old accounts should not be updating after a discharged bankruptcy. The other bureaus are not reporting like this, they stopped in XXXX like they were supposed to when they got the notice of Filing on my bankruptcy.

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 2020-05-15 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: TX

Complaint narrative:
Twice I tried sending information to equifax to remove fraud alert from credit report because I cant open a new account or anything ... I called again and still nothing and they act like they can't speak good english ... .they wanted a copy of my id, ssn, and utility bill I sent ... .here below I attached those 3 they need to remove fraud alert with a utility bill with my current address on it ... thanks In advance

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 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: FL

Complaint narrative:
SOMEONE USED MY MY PERSONAL INFORMATION TO OPEN THIS FRAUDULENT ACCOUNTS IN MY NAME THAT I WAS NOT AWARE OF OR APPROVE I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA 'S On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 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: FL

Complaint narrative:
SOMEONE USED MY MY PERSONAL INFORMATION TO OPEN THIS FRAUDULENT ACCOUNTS IN MY NAME THAT I WAS NOT AWARE OF OR APPROVE I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA 'S On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-05-15 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: AR

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX {$120.00} XXXX  XXXX XXXX {$190.00} XXXX  XXXX XXXX {$72.00} XXXX/XXXX  XXXX {$160.00} XXXX XXXX XXXX/ XXXX {$12000.00} XXXX XXXX XXXX {$2300.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 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: Kriya Capital, LLC
State: UT

Complaint narrative:
Credence Rm - XXXX - is reporting on my credit after my discharged bankruptcy, for a debt that was included in my bankruptcy. They are in violation of the bankruptcy stay. 
They put the collection on credit XX/XX/XXXX and the debt was included in my XXXX chapter XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: NJ

Complaint narrative:
On XX/XX/XXXX, I received a letter from Wakefield and Associates,  Inc and contacted them onXX/XX/XXXX. I spoke with XXXX XXXX on that date and finished my conversation with him at XXXX. I advised him that I had no idea about two ( 2 ) outstanding bills from XXXX XXXX XXXX especially since they were from XX/XX/XXXX & XXXX, XXXX. I ask for back up and was just told by XXXX XXXX they did not have any. I replied that how did they know the amounts are valid and that I needed the originals so I could do my diligence to see why the insurance company had not paid them either in full or what if any was my responsibility. Mr. XXXX XXXX said that in order to get the information I was requesting that I had to put the request in writing. 

On XX/XX/XXXX, I wrote and mailed a letter ( will attach ) to Wakefield and Associates, Inc, disputing the amount and requesting the back up information. 

The other day my credit bureau alerted me to a negative credit posted to my account from Wakefield and Associates Inc. I called yesterday, XX/XX/XXXX, at XXXX and spent 12 minutes on that call in total, to speak with a person and complain about there actions. To my surprise Mr. XXXX XXXX answered my call and we went back and forth with him using semantics and other " normal '' tactics employed by non-professional agencies. Long & Short he " transferred '' me to a supervisor to which I was put into voicemail. I left my Wakefield A/C # twice along with my cell number twice and advised I was very angry and expected a return phone call. Have you heard from them because I certainly have not. 

I have disputed their negative dispute with XXXX  ( Report # XXXX ) and XXXX  ( did not note report number ). 

I think that Wakefield and Associates Inc need to have better over site attached to them as well as be more upfront and honest. 

Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I used my Federal Relief check to make WellS Fargo whole while my business suffered losses commencing XXXX Covit 19 as we are in extended lock down in XXXX, New York. Hence, we are square and yet my credit score tanked 50 points!

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 2020-05-15 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: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Purchased a product from online store and it was XXXX camera body and used Chase XXXX XXXX credit card. Received package from the merchant. the inside seal was broken but not from the outside and some box inside package had a white substance in it. the package came with few other stuff, but XXXX body was missing. Reached out to the merchant. No response or call, and reached out to Chase credit card service, they are just keep saying that this transaction is valid without considering going route with the customer protection against such a foul purchase. And Im getting charged for that transaction even though the XXXX body was missing from that package. Reached out to Chase multiple times, I was not able to contact right people about the dispute and was not even able to make dispute process from online either as to it is keep saying that I need to contact # to reach out to them but they never respond or provide any answers. Provided document through fax, but still no phone call from the Chase

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
Chase Banks transfer to a FRAUD SCAM Brokers : XXXX I would like to bring your attention to a serious issue I have with Chase Bank card transfers that first took place on the XXXX of XX/XX/XXXX. 
I have been victimized by a multilayered scam operation orchestrated by XXXX - the Company. 
The funds were transferred utilizing Chase Bank 's services in the total amount of XXXX USD! 
I would also like to point out that on the XXXX of XX/XX/XXXX - I filed a dispute with Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I used my Federal Relief check to make XXXX XXXX whole while XXXX  XXXX  suffered losses commencing XXXX Covit 19 as we are in extended lock down in XXXX, New York. Hence, we are square and yet my credit score tanked 50 points!

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 2020-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I used funds in my BB & T bank account to make a {$6100.00} payment to the XXXX XXXX XXXX XXXX for a cruise. On XX/XX/2020, the company sent to me an email, notifying me that the cruise was cancelled and offered to me a 125 % credit. On that same date I declined the credit offer and requested a full refund. After several subsequent attempts to obtain my refund, I filed a dispute on the payment with BB & T and requested that they reverse the payment back to my account. 

The bank responded to my dispute by stating that, since I had received some value for the payment, the bank would not reverse the payment. I wrote to the bank on XX/XX/2020, stating that I did not receive anything from the company except an offer for a 125 % credit, which I immediately refused and immediately requested a full refund. Since I have not received the refund, I asked the bank to explain what other benefit I derived from the payment. The bank has not responded further.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: NY

Complaint narrative:
I scheduled a appointment with XXXX XXXX XXXX XXXX at Keybank XXXX XXXX XXXX. To discuss my unemployment benefits account set up thru Dept of labor. I wait out side on line when I got in side at XX/XX/XXXX no one was there. I called numerous times only to get disconnected after waiting 2 hrs on hold each time. Finally I speak to a nice guy named  XXXX, I explain that I have {$6000.00}. in my checking account and requested my account number. He did not have access to my information. I have no Account number, no Debit card, no money. And in order to get a supervisor to call me back I have to pay a fee. My Unemployment benefits have been held hostage in KeyBank since XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: CA

Complaint narrative:
DEBT COLLECTOR : XXXX ADDRESS : XXXX XXXX XXXX. XXXX, FL XXXX PHONE : XXXX THIS COMPANY WAS ASSIGNED BY CREDITOR : XXXX XXXX  ORIGINAL CREDITOR : XXXX XXXX XXXX PRODUCT : XXXX THIS COMPANY IS CLAIMING THAT THEY SENT A COLLECTION BILL TO MY HOME ADDRESS ON XX/XX/XXXX FOR THE BILL FROM XXXX ( WHICH I AM COMPLETELY UNAWARE OF ). THIS COMPANY DID NOT MAKE ANY ATTEMPT TO COLLECT THIS DEBT WHICH WAS ONLY FOR {$59.00} AND NOW IT HAS AFFECTED MY CREDIT HISTORY FOR SOMETHING THAT I WOULD HAVE PAID REGARDLESS HOW MUCH WAS THE AMOUNT. I FOUND OUT ABOUT THIS CHARGE FROM MY CREDIT CARD COMPANY WHEN THEY INFORMED ME THAT THERE IS COLLECTION PENDING ON MY ACCOUNT. ERC NEVER MADE ANY GOOD FAITH ATTEMPT TO COLLECT THIS DEBT AND JUST REPORTED THIS TO CREDIT AGENCIES. 
I HAVE NOT HAD ANY DELINQUENT CHARGES ON MY CREDIT AND IF THIS COMPANY WOULD HAVE MADE AN ATTEMPT TO COLLECT THE CHARGES, I WOULD HAVE PAID FOR THEM. 
I PAID AMOUNT IN FULL AND REQUESTED THEM TO REMOVE THIS FROM CREDIT HISTORY AND ERC REFUSED TO DO THIS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
Midwest Recovery Systems has reported an account in collection to all 3 credit bureaus.They did not provide account number, dates, or any identifying information. I do not recognize this account. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt. Please note this is a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent. If your office fails to reply to this debt validation within  30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I filed a dispute on XX/XX/ 2020 due to a cancellation of a reserved trip because of COVID-19. I have paid {$1800.00} in monthly payments and have proof of the payments being charged from my account. On XX/XX/XXXX, I was denied to receive my money back due to my bank not being able to contact the merchant. The merchant has shut down their website and there's no way to contact them. 
My bank, Wells Fargo will not agree to these transaction to return the money.

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 2020-05-15 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:
This matter is being forwarded to your attention for resolution as recommended by XXXX XXXX at the Office of U.S. Senator XXXX XXXX : My TransUnion credit report is showing on negative item, my daughter XXXX 's student loan which I am a co-signer. Due to unfortunate circumstances, the loan had become past due for a short period. The loan has since been brought up-to-date, with the principle, interest, and late fees now current. According to XXXX, the loan will be a default status until the loan is paid in entirety, regardless of the fact the loan is up-to-date with no outstanding fees, interest, or principle. I am XXXX years old and XXXX XXXXXXXX, and in all my years, I have never heard of a loan being brought up-to-date and still being labeled in default. What is the incentive for anyone to bring their school loan, or otherwise, to a an up-to-date standing by paying all past due fee, interest, and principle if the lender or administrator will not change the default status to current? Any assistance you can provide to have this matter corrected so my credit can be properly reported would be much appreciated.

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 2020-05-15 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
TRANSUNION FAILED TO INVESTIGATE THE DISPUTED ITEMS WITHIN 30 DAYS. IN ADDITION THEY FAILED TO PROVIDE THE INFORMATION ON FILE FOR THE ITEMS DISPUTED AS WELL PURSUANT TO SECTION 609 OF THE FAIR CREDIT REPORTING ACT

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 2020-05-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Comenity Captial Bank close my Grandlinroad account without any notification. I was never late on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Real Time Group, Inc.
State: CA

Complaint narrative:
Real Time Resolutions LN XXXX XXXX XXXX XXXX XXXX XXXX , XXXX CA XXXX Real Time Resolutions has agreed to a settlement and even accepted funds for a payoff of this account yet will not record a reconveyance. Real Time Resolutions received the funds and required documents on XX/XX//20. The reconveyance was never completed. We have called Real Time Resolutions several times since then and they claim the issue has been escalated, but to date nothing has been done at all. No one in their escalations department has responded. Our multiple voicemails have gone unanswered. 


A reconveyance takes no more than 1 week to complete and record. Its been almost three months. I understand the impact COVID-19 has had, however, the reset of the real estate industry has figured out a way to move forward, as have the rest of the servicers. Real Time Resolutions received the funds and closing documents several weeks prior to the shutdown this should have been recorded well before the shutdown. -- -- -- At this point I can only believe that you intended to defraud your client from the beginning and had no intention of following the terms of your settlement. 

I have attached a copy of the settlement. I am requesting the reconveyance to be recorded without further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 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: AZ

Complaint narrative:
Trans union is reporting accounts delinquent on my credit report when there not mine ..I was a authorized user on my moms credit cards and got taken off now there saying I have delinquent accounts when there actually my mothers Ive called the company several times but they never answer but i am not on her cards any more and this shouldnt be on my 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