vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
1. I have false names on my credit report -XXXX  XXXX 2. I also have several false addresses on my credit report. 

3. I have a total of 4 wrongful inquiries on my credit report. 
-Amex XXXX -XXXX  XXXX I have filed a report for identity theft with the Federal Trade Commission XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY
State: AL

Complaint narrative:
On XX/XX/2020 I mailed a certified notarized contract along with a US post office money order in the amount of {$130.00} to settle the account with Amex. The contract clearly stated that cashing the above referenced check was an agreement to the terms in that contract and the terms written on the money order as well. XXXX XXXX  received the check on XX/XX/2020 at XXXX am and cashed said check soon thereafter according to the US Post office website. By not complying within the 30 days of the original contract on XX/XX/2020, AMEX is in violation of the contract terms and I am hereby requesting that you hold them responsible for their actions and make them fulfill the contract as listed below : 1 ) Show the above mentioned account as paid in full 2 ) Remove any and all derogatory reporting from any and all credit bureaus including XXXX. XXXX, XXXX, and any others you're currently reporting to. 
3 ) All collection attempts & activities shall cease immediately 4 ) You agree not to sell or transfer this alleged account to another collection agency or debt collector. 
5 ) If you dishonor this contract or violate its terms. you agree to compensate me in the amount deemed reasonable by the court and that this agreement is a cognitive contract and you agree to summary judgement against you. 

Thank you so very much for your help and your time with this matter. I know your time is very valuable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-21 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: CITIBANK, N.A.
State: NC

Complaint narrative:
Called Citi ( account ending XXXX XXXX to request an account review for credit limit increase. When I asked if they would be making an inquiry into my credit report I told them that I was not interested with proceeding with the credit limit increase request ( I have a high credit score and do not want a " hard inquiry '' ). They proceeded to make an inquiry against my direction. Now I have an additional inquiry on my credit report that I did not request which resulted in a lowered credit score causing financial harm.

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 2021-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
My phone, debit card & credit card were stolen on XX/XX/21 leading to {$7500.00} in fraudulent charges and now Bank of America is denying a portion of my claim for {$4800.00} because my pin information was also accessed. I never gave it to anyone or wrote it down so I don't know exactly how the perpetrators did what they did, but the fact remains, it was fraud. I reported it the day of. Please help.

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 2021-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK
State: NY

Complaint narrative:
the following accounts appear on my credit report, without any authorization, do not belong to me Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

4. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 
Identity Theft. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 
.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
the following accounts appear on my credit report, without any authorization, do not belong to me Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 
Identity Theft. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 
.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
1. I have false names on my credit report -XXXX  XXXX 2. I also have several false addresses on my credit report.

3. I have a total of 4 wrongful inquiries on my credit report. 
-XXXX  XXXX -Citibank Na I have filed a report for identity theft with the Federal Trade Commission 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 2021-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
1. I have false names on my credit report -XXXX  XXXX 2. I also have several false addresses on my credit report.

3. I have a total of 4 wrongful inquiries on my credit report. 
-XXXX  XXXXOnemain -XXXX  XXXX I have filed a report for identity theft with the Federal Trade Commission XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I applied for a Wells Fargo Active Cash credit card today ( XX/XX/21 ) with the intent of maximize the current {$200.00} back on {$1000.00} spend promotion. After completing the application, I received an email notification stating that I was approved for the Wells Fargo Platinum Card ( not the card I applied for ). After spending 52 minutes on the phone, the 6 Wells Fargo representatives I spoke with told me that they were : 1. Not able to make the correction to the application ( from " Platinum '' to " Active Cash '' 2. Would not be able to take any further action until an " investigation '' was completed 3. Would not be able to close the Platinum Credit Card, that I did not apply for Either through deceptive practices or system errors, I was approved for a credit card that I did not apply for. Wells Fargo is not allowing me to close the account even thought it was created fraudulently.

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 2021-07-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
There is no company name provided, the address listed XXXX XXXX XXXX, XXXX, PA XXXX. They have been sending a collection notice in the amount of {$780.00}. The collection has been reported as pasted due balance. I do not know this company as there is no information provided. I have never done business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Wells Fargo atm ate up my money and wont return it. This incident happened on the XX/XX/XXXX, between XXXX XXXX-XXXX XXXX  and the total amount is {$2100.00}. 

I had {$4500.00} cash which I was depositing. I used the wallet app on my XXXX and used the tap feature that was on the ATM. I put in around {$2200.00} and It was raining heavy and the bills got a little wet, so the ATM was trying to return some of the bills back. It returned 3 bills of {$20.00} and then the thing jammed on me. It was trying to return more bills but it couldnt and after 5 minutes of it trying, it just jammed up, and an error popped up The ATM can not accept any deposits at the moment. It did not provide me with any confirmation or any receipts. I went inside the bank immediately, told the bank teller about it and they told me that they couldnt do anything because the ATM was not serviced by them. They told me to call the 1800 number and submit a claim, which I did. I deposited the rest of the money I had inside the bank. 

I submitted the claim at XXXX XXXX  on XX/XX/XXXX, but they messed up the first claim, they put in the wrong amount and then a week later I had to make another claim, on XX/XX/XXXX with the correct amount. I double checked everything so that there werent any mistakes this time. Fast forward to today ( XX/XX/XXXX ) they told me that my claim was denied because they couldnt find any transaction on my account. I put in a request again and they asked me the location and the ATM ID which I provided to them. 

The location of this Wells Fargo is XXXX XXXX XXXX, XXXX, AL, XXXX. The ATM number is XXXX. The total amount of money that was jammed in the ATM is {$2100.00}. The ATM had a camera on it and along with that, I went inside the bank to talk to them as well.

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 2021-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
My wife opened an account with SYNCB/ASHLEY XXXX, my name is not on the account, I am not affiliated in any way with this account. In XXXX of 2019 is when the first late payment appeared on my credit report, I didn't notice it typically because I don't check my report that often, about a month or so later I noticed it and call to the creditor Synchrony Bank and explained to them the situation and was told they could not give me any information on this account because I'm not on the account, I explained my dilemma and was told they would fix it but it didn't happen. This has went on for several months now and a lot of back and forth, I have made several phone calls to Synchrony Bank and attempts to resolved this. I have spoken to agents and supervisors, who seemed to be clueless in how to rectify this situation and why they continually and willing add negative information on my credit report knowing I am not on this account. A dispute was filed with the credit bureau and still no progress. There has been a negative impact in my personal and business dealing as my score fluctuates up and down the 700 's to the low 600 's.

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 2021-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Service Finance Holdings, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX I got a personal loan with Service Finance Company LLC for Solar Equipment. On XX/XX/XXXX I requested a Forbearance due to Covid-19 and was approved for 120 days starting XX/XX/XXXX and ended XX/XX/XXXX. 
During the Deferral Period : 1. Late Notices will be disabled.

2. Late Fees will be disabled. 
3. SFC will report your Account to the credit reporting agencies with Special Comment Code AW, indicating that you have been affected by a natural disaster. 
4. Payments will be suspended and added to the term of the Loan. 
5. If your Loan is a Promotional Loan, the remaining term of your Promotional Period will apply to your Loan once the 120 -day period expires. 
6. Billing Statements will be suspended.

7. Interest will continue to accrue during the 120-day period.

8. Billing Statements will resume for the billing cycle following the expiration of the 120 -day period.

9. Other than these modifications, the terms and conditions of your Loan remain in full force and effect. 
I was still getting notices from this company, and I would call them and there reply it was computer generated and do not worry about it, you are still under a Forbearance. I got contacted in XX/XX/XXXX to see if I were able to start making payments or did, I need another Extension for Covid-19 I said yes, I would like another Extension. As with other company there was no problems with the extension until the credit Bureau were reporting me late the hole time I was on Forbearance, then I find out that Service Finance company charged off my account in XX/XX/XXXX, my first Forbearance would have ended on XX/XX/XXXX. So, my account was closed 30 days after my first forbearance, when I thought I had an extension with a second forbearance. I call Service Finance Company in XX/XX/XXXX and found this all out, I was shocked that this happen and try to fix the problem they had me catch on all payments up to XX/XX/XXXX and I have been making payments ever since. They are still reporting me late and adding late fees. They stop reporting since XX/XX/XXXX, but damages have been done to my credit. I have about 6 different credit accounts with are all in good standings, this account thru Service Finance Company has put my credit in bad ratings with late payments and a charge off while I was on a Forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am trying to buy a house and have to clean up my credit so I started disputing some items I don't agree with on my credit report. The first time was on XX/XX/2021. I read that the bureaus had 45 days to respond to the disputes but I never received anything from any of them. So I sent another dispute on XX/XX/2021 to all 3 bureaus. I still to this day haven't received anything from any of the bureaus to know what the outcome was or if they plan on investigating. So today, XX/XX/2021 I sent another dispute round but I did it online directly with all 3 bureaus. They have a LEGAL timeframe of 45 days to respond and they didn't, twice, this is not professional in any sense at all.

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 2021-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
On XX/XX/2020 I mailed a certified notarized contract along with a US post office money order in the amount of {$200.00} to settle the account with Capital One Bank. The contract clearly stated that cashing the above referenced check was an agreement to the terms in that contract and the terms written on the money order as well. Capital One Bank received the check on XX/XX/2020 at XXXX XXXX and cashed said check soon thereafter according to the US Post office website. 
By not complying within the 30 days of the original contract on XX/XX/2020, Capital One Bank is in violation of the contract terms and I am hereby requesting that you hold them responsible for their actions and make them fulfill the contract as listed below : 1 ) Show the above mentioned account as paid in full 2 ) Remove any and all derogatory reporting from any and all credit bureaus including XXXX. XXXX, XXXX, and any others you're currently reporting to. 
3 ) All collection attempts & activities shall cease immediately 4 ) You agree not to sell or transfer this alleged account to another collection agency or debt collector.

5 ) If you dishonor this contract or violate its terms. you agree to compensate me in the amount deemed reasonable by the court and that this agreement is a cognitive contract and you agree to summary judgement against you. 
Thank you so very much for your help and your time with this matter. I know your time is very valuable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I have been disputing inaccurate information on my credit report with Experian, XXXX  and XXXX  and on several separate occasions they take longer then the 30 days to process the disputes and have all told me if the creditor says its valid they will not remove the information even though the creditors can not and refuse to provide documents to myself or any of the credit bureaus validating the debts. 

Ive requested debt validation paperwork and written information to be provided to me in regards to their reasoning for denying my dispute and they refuse to send me information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX  XXXX XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. UNKNOWN - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX/XXXX  XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX XXXX  XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX/XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 12. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) THE UNVERIFIED AND INCORRECT PUBLIC RECORD ITEMS BELOW SHOULD BE DELETED : 1. Chapter XXXX Bankruptcy Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/XXXX. 

2. Bankruptcy Chapter XXXX-Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/XXXX. 

3. Bankruptcy : Discharged CH-XXXX. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: REGIONS FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have an account with regions bank and I am being charged excessive withdrawals fee incorrectly. Whenever I contact them in regards to this, they do not want to credit this back to my account. I have also received discriminating remarks from there staff in the Florida area and North Carolina area. So I would like for this to be resolved.

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 2021-07-21 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Opened XX/XX/21, Was issued {$1000.00} limit ( credit score hit ), then less than 30 days later my limit was reportedly reduced ( took another credit score hit ) Not happy, process not transparent, would have never started it, adversely impacted my credit standing for what? Where is the adverse action notification when credit limit dropped? Will lodge complaint with CFPB as this appears to be bait and switch!

Company response to consumer: Closed with explanation