vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-06 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: NC

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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: 21ST MORTGAGE CORP.
State: AL

Complaint narrative:
21st Mortgage Corp reports inaccurate information to my credit reports on XXXX XXXX and XXXX. 21st Mortgage Corp 's attorney made a deal with my attorney regarding the foreclosure on the manufactured home- Stating if I moved out, 21st Mortgage Corp would not report to my credit report and I would not owe any balance. I withheld my end of the deal and moved out of the manufactured home and off the property. The manufactured home had been unoccupied and utilities had been disconnected from the home since XXXX XXXX It sat unoccupied for many months. 21st Mortgage Corp did not withhold their end of the deal and reported it to my credit three credit reports, along with reporting inaccurate information on my three credit reports continuously. Every time I disputed the account from 21st Mortgage Corp with XXXX XXXX, and XXXX 21st Mortgage and/or the credit bureaus would continue to update inaccurate information with more inaccurate information. XXXX, XXXX, and XXXX should have deleted the account from Mortgage 21st Corp due to inconsistently reporting/updating inaccurate information when disputed, along with providing proof from attorney email regarding the deal made and my moving out and it not being reported to my credit reports. 21st Mortgage Corp has it listed on my credit reports that the manufactured home was Repossessed in XX/XX/2019. I have a photo/print out directly from the XXXX County Property Taxes website showing, along with a dated timestamp that the manufactured home was still on the property on XX/XX/2019. There has been various inaccurate information reported to my three credit reports- That's been on going for months. With XXXX it reports a higher balance due- The address & phone number does not match the contact information for 21st Mortgage Corp. from my XXXX XXXX XXXX  credit report. 21st Mortgage Corp. provides three different contact addresses to XXXX, XXXX, & XXXX. The ledger balances from my XXXX, XXXX, & XXXX  are all different. My last reported payment date reported and the ledgers from the three credit bureaus do not match. If months are looked at, it can be seen that every time I disputed the 21st Mortgage Corp account with XXXX, XXXX, and XXXX  it will show that the three bureaus, along with 21st Mortgage Corp just updated with more inaccurate information- Instead of removing the account from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF HAWAII CORPORATION
State: HI

Complaint narrative:
A bank payment for my mortgage was initiated using the wrong account. I therefore did not have the funds for the transfer to go through. Although I resoved the isue and made the payment using my correct bank account. Bank of Hawaii charged me {$30.00} on three seperate occasions for this NSF fee. They refused to refund me any of the {$30.00} fees. The fees totaled {$90.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-06 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: CA

Complaint narrative:
XXXX continues to wrongfully report the loan to be a charge off, initially it was reporting as a charge off with an unpaid balance, I contacted them with the XXXX and mentioned to them that this is not a charge and there is no balance due on this loan account, to which they went ahead and updated the loan as paid but still left it with a remark as a charge off to which is infringe on my credit report negatively when this loans was fully paid satisfactory and should be reported. As such or and fully and dully remove. This wrongful reporting is severely affecting my ability to obtain a house mortgage. 

I will attach proof of what it was and how it was change and how it's reporting today.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
NEED HELP REMOVONG SOME INCORRECT INFORMATION FROM MY REPORTS. I HAVE YET TO RECEIVED ANY RESPONSE FROM ANY BUREUAS I HAVE 3 TRACKING NUMBERS FROM THE MAIL I SENT THEM. THESE TRACKING NUMBER ARE FROM THE SECOND ATTEMPT IVE TRIED MAKING. 

XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX TU : XXXX XXXX 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 2021-05-06 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:
NEED HELP REMOVONG SOME INCORRECT INFORMATION FROM MY REPORTS. I HAVE YET TO RECEIVED ANY RESPONSE FROM ANY BUREUAS I HAVE 3 TRACKING NUMBERS FROM THE MAIL I SENT THEM. THESE TRACKING NUMBER ARE FROM THE SECOND ATTEMPT IVE TRIED MAKING. 

XXXX  : XXXX XXXX XXXX XXXX XXXX EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
A Walmart account has been fraudulently created using my name and information. I didn't authorize this account nor did I have knowledge of this account when it was opened. Immediately after learning about this fraudulent account I contacted the company directly for them to close the account and deal with the situation. They have not handled the situation. I am demanding that the company dispose of this account and remove my information from their system as well as remove this account from my credit report immediately. This is not fair and is tarnishing my good name and I will not stand for it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-06 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have received a copy of my credit report and it shows company XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$410.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have received a copy of my credit report and it shows company XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$410.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
BARCLAYS ACT # XXXXX XXXX 30 DAY LATE TO CREDIT BUREAUS FOR XX/XX/2020 THAT WAS DUE TO COVID-19 PANDEMIC AND AGREED TO COMPLY WITH CARES ACT RULES AND REGULATIONS HOWEVER HAS FAILED TO REMOVE IT FOR A YEAR NOW .... 

SEE ATTACHED SUPPORTING DOCUMENTATION FOR MY CLAIM. I HAVE REQUESTED BARCLAYS ON NUMEROUS OCCASIONS FOR SEVERAL MONTHS NOW TO REMOVE 30 DAY LATE REPORTED THAT WAS NOT MY FAULT AND WAS DUE TO A MEDICAL CONDITION THAT WAS CAUSED BY A NATIONAL PANDEMIC. I PROVIDED MEDICAL DOCUMENTATION TO SUPPORT MY CLAIM AND RECEIVED MAIL FROM YOU OFFERING ASSISTANCE RELATED TO COVID-19. HOWEVER, YOU DENIED MY REQUEST TO REMOVE THE LATE IGNORING MY WRITTEN AND VERBAL REQUESTS, ONLY TO SPIT OUT COMPUTER-GENERATED RESPONSES TO EVERY LETTER I HAVE WRITTEN AND EVERY CALL I HAVE MADE GOT TRANSFERRED TO ANOTHER PERSON WHO TAKES MY COMPLAINT BUT ENDS UP DOING NOTHING ABOUT IT ... .. 
I HAVE NOW TAKEN THIS TO THE GOVERNMENT AUTHORITIES AND HOPE FOR JUSTICE TO BE SERVED ....

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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: CA

Complaint narrative:
Recieved XXXX XXXX XXXX XXXX gift cards for XXXX $ each on XX/XX/21. On the back it says it is good to purchase merchandise at XXXX. I tried to do this onXX/XX/XXXXand when you click on the shop tab it redirects you to XXXX and when you try to use these it says card not activated. When I check the balance at XXXX it says XXXX , but when checking it at XXXX it says the card is invalid. I called XXXX onXX/XX/XXXX and they told me to contact the card issuer. I called the number on the back of the card and they told me that I should be able to use these at XXXX, but there is no way for them to correct this problem. They suggested I go to the team store at the XXXX, but I pointed out online the store is only open on game days and you need a ticket to get to the store.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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: NY

Complaint narrative:
OnXX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
XXXX/alliance Data, continues to wrongfully report the loan to be a charge off, initially it was reporting as a charge off with an unpaid balance, I contacted them with the XXXX  and mentioned to them that this is not a charge and there is no balance due on this loan account, to which they went ahead and updated the loan as paid but still left it with a remark as a charge off to which is infringe on my credit report negatively when this loans was fully paid satisfactory and should be reported. As such or and fully and dully remove. This wrongful reporting is severely affecting my ability to obtain a house mortgage. I will attach proof of what it was and how it was change and how it's reporting today.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I have a fraudulent account on my credit report that I have never heard of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Jim Bottin Enterprises, Inc
State: CA

Complaint narrative:
I immediately called to cancel my gym membership in XXXX due to the pandemic and fear of Covid exposure. I was never advised to call or submit an inquiry for cancellation. I was advised that I wouldnt be charge and that my account was inactive. I have received several calls in XXXX, XXXX  stating my account is past due and to update my payment. I am now being billed 2 months of gym membership for services I didnt acquire during the pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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: SCA Collections, Inc.
State: NC

Complaint narrative:
I have reviewed a copy of my credit report and I show company SCA COLLECT  ( Original Creditor : XXXX XXXX XXXX ) account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have received a copy of my credit report and it shows no company name with account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$190.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: CA

Complaint narrative:
On Thursday, XX/XX/2021 I sent money to someone using XXXX. This person had sent me pictures of a kitten, signed a sales contract and was ready to deliver this kitten. Once delivery day approached I got a bit nervous as I hadn't heard from this person. The total amount was {$950.00}. I immediately contacted my bank and they said there was nothing they could do as this money was already sent to the person. I found this very hard to believe. How can a scammer continue getting away with this if the bank won't fix the problem? 

The bank is PNC Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Good afternoon, As I was reviewing my credit score a few concerns came up because I never applied myself to any credit card agencies such as Lord and Taylor and the auto loan. Someone is using my information and my personal information such as my social security card, birth certificate and identification card was stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I believe Experian is purposely and unethically preventing my credit score from raising above XXXX. This has been going on for a year ever since I made complaints about numerous issues regarding their credit reporting habits. No matter how many accounts I pay, account closures, new open accounts, or credit usage adjustments I make. Experian reports items late, not at all, does underhanded tactics right before positive account history or new accounts will appear in order to lower my score beyond a reasonable number just to bring it back up to XXXX. 

This company will not cease these behaviors. PLEASE TELL ME WHO TO REACH OUT TO. This has to stop. Its illegal. This is retaliation because I have made prior complaints and grievances regarding the FCRA. No other credit bureau is doing this. Who can help me because nothing is being done and I have no choice but to use a service that is taking advantage of me, my personal information, and my financial stability. I am open to a class action lawsuit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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: VA

Complaint narrative:
Equifax has blocked my online account and I can not dispute online anymore. I can not log in to my account and have no way of looking at my credit report I pay Equifax for credit monitoring please remove these negative items

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CARD Corporation
State: OH

Complaint narrative:
Re : Card Premium Bank Account by XXXX. 

Received an unsolicited VISA debit/credit card in the mail. 

On XX/XX/2021 I Tried contacting the issuing company by the number listed : XXXX and visiting the website dashboard.card.com. No option to speak with an actual person was available. The only way to proceed through the menu was to provide a full Social Security number. 

They issued me a routing number and account number although I've never requested an account. 

This seems very much like a phishing scheme trying to get my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
A Bank of America account has been fraudulently created using my name and information. I didn't authorize this account nor did I have knowledge of this account when it was opened. Immediately after learning about this fraudulent account I contacted the company directly for them to close the account and deal with the situation. They have not handled the situation. I am demanding that the company dispose of this account and remove my information from their system as well as remove this account from my credit report immediately. This is not fair and is tarnishing my good name and I will not stand for it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
XX/XX/XXXX my father passed away unexpectedly. As of today XX/XX/XXXX my sister and I as co trustees still have no access to his Wells Fargo accounts. Numerous botched attempts by several branches have resulted in thousands of dollars out of my sisters and my bank accounts to pay bills. Further several sources of income and auto deposits have been stopped. Late fees, demand notices and penalties have accrued. How long can it really take to add surviving children who are co- trustees to 5 accounts that were already in the trust? All docs required several times. Most importantly though there is no possible way to escalate and get resolution. Grieving surviving children have been ignored, tossed to different people, sent back to branches during COVID, and generally left to spend hours trying to resolve. Never experienced anything like this in my life.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
I've made repeated requests for this agency to validate this alleged debt and each time they fail to respond and/or send fictitious, made up documentation. Also, they make repeated calls to my personal phone, business phone, home address after being notified the alleged debt is in dispute and to cease and desist. They've completely disregarded my consumer rights, violated FDCPA and report false information to the credit bureaus in violation of FCRA.

Company response to consumer: Closed with non-monetary relief