vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
I received my new XXXX XXXX Credit Card through Barclays Bank and activated the card on XX/XX/2022. During the activation process I was asked to confirm the phone numbers on file. One was correct, the other was not. When I stated " no '' to the incorrect phone number, I was transferred to an offshore contact center and she stated the information i provided her was incorrect ( yet it was the same information I provided through the automated system to activate my card ). 

She then had to transfer me to " security '' who also said the credit card number didn't match, even after reading it to her twice and repeating all my information twice. She then said I'd have to send in documents, in which case I told her to cancel the card. Which she said " I can't do '' because the information doesn't match, even though she could see i activated the card. 

Cancel this card per my request as I no longer want to do business with Barclays or 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 2022-06-28 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: GA

Complaint narrative:
I have several unauthorized inquiries on my XXXX from XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX I reached out to XXXX and disputed the information and was unsuccessful I also have several unauthorized inquires on Transunion from XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I reached out to Transunion and disputed the information and was unsuccessful

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 2022-06-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
Company confirmed, due to their error, they would not be charging me a late fee. Received notice yesterday that late fee is due today but there is no one at Comenity that I can speak with since they are down for maintenance. Their system is down so no one to dispute or pay for this late fee which I am nor supposed to get to begin with. The company is closed and they are charging me late fees with no way to address it. PLEASE HELP?!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Investment Retrievers, Inc.
State: CA

Complaint narrative:
XX/XX/2008 Judgment entered date, this was fraudulent debt by XXXX XXXX XXXX XXXX. This was not signed by me or any part of me I ignore the initial Collection back in XXXX, as I have no knowledge of the debt back then, now its going to after my wifes Property, I must ask for help with this fraudulent debt wasnt create by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: VA

Complaint narrative:
I received a collections noted dated XX/XX/XXXX from Wakefield & Associates. On XX/XX/XXXX I replied to their notice saying that this is a debt I do not owe. I received no further response or communication with them. On XX/XX/XXXX I received another collections notice regarding the same debt from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Around XXXX XXXX, I got an email about suspicions activity going around in my account. So I contacted wells fargo to dispute the transactions. The next day I saw that someone did a wire transfer without my authorization and linked a XXXX XXXX  card with my debit card which I never did. I lost about XXXX dollars and I claim to wells fargo about fraud activity going on I waited for weeks for all the claims I have submitted but I was denied and they believed that I did the transaction or someone I know did the transaction. I told them all the time that this was not me because if it was me I would not be contacting them or making my XXXX complaint under the CFPB. I never installed XXXX XXXX  or never went towards those locations and I want them to investigate the atm withdrawals that happened because if they can check who took out money they qould know because this was not me. I am furious because they have not helped me and also told me to go to the bank and talk to a banker only to tell me that they cant do anything. I have already file a police report as well to get to the bottom of this.

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 2022-06-28 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: NC

Complaint narrative:
i have sent experian multiple fraud ftc id theft reports and a police report to remove negative items off of my credit report. i have been the victim of fraud and id theft. i wanted them to remove all XXXX accounts, XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX accounts and they did not remove all of them. XXXX and XXXX have already done so. i need for experian to do the same because i am trying to purchase a home so that i do not become homeless in the process as i am a XXXX veteran

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 2022-06-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: OK

Complaint narrative:
I moved out of my apartment complex and received a move out statement about 1.5 months later. I disputed this bill and requested an investigation in writing ( as instructed by the apartment complex ) and followed up over 3 times. The complex ignored my communication attempts and sent me a " 2nd notice '' statement 131 days after receiving my initial move out statement. I then sent a certified letter once again stating my intentions at investigating and resolving the issue. The complex received, signed, and ignored my letter. 

**Please see the attached certified letter and emails for a full explanation of the situation** Four months after sending my letter, I received a call from collections ; however, I never received any written documentation from collections. 

I have two separate complaints : 1. The apartment 's calculated and purposeful lack of communication, as well as their lack of " investigation '' feedback as promised. 
2. The lack of written documentation from collections

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 2022-06-28 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have no knowledge of these company 's and when I reached out they had no knowledge or record of my application the companies are. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-06-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Neighborhoods United, LLC
State: IN

Complaint narrative:
I suffered severe storm damage on XX/XX/XXXX. My insurance company paid the claim for a new roof, repair to the soffit and fascia and drywall repair to the ceiling in the master bedroom. The insurance claim loss check # XXXX in the amount of {$13000.00} was sent to my mortgage company AHP Servicing , LLC on XX/XX/XXXX. They placed it in a limited escrow account and provided the list of documents needed to approve the contractor and release half the insurance proceeds to the contractor. Numerous attempts to release said funds to pay my contractor XXXX XXXX XXXX XXXX were met yet the funds were not dispersed. I had to send an error resolution notice on XX/XX/XXXX to force them to send the payment to my contractor so that the repairs could be made. The check was finally overnighted XX/XX/XXXX in the amount of {$6800.00}. The roof was replaced on XXXX XXXX and the drywall was completed XX/XX/XXXX. I had called AHP to determine what was needed to release the balance to the contractor once all the work was completed. I was told an inspection would be ordered and the contractor needed to supply a signed lien release. The inspector from XXXX XXXXXXXX XXXX XXXX ordered by AHP Servicing ( order ID # XXXX ) submitted his inspection of the completed work on XX/XX/XXXX, and the contractor, XXXX XXXX XXXX XXXX emailed the notarized lien release on XX/XX/XXXX. Numerous phone calls, emails and voice messages have been left by both me and my contractor requesting the final payment be sent. As of today, XX/XX/XXXX, AHP still maintains the balance of the insurance proceeds, {$6800.00} in the limited escrow account and have refused to pay the contractor. Given the fact that he has already signed a lien release, he has no further possibility for action. I am at my wits end with this company and their incompetence. I demand the final payment be made to my contractor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
I have 5 Comenity XXXX cards and have tried for 5 days to try to pay my bills. I cant log in or call the customer service line. It says a plan maintenance is taking longer than usual. I am worried about being charged a late fee on my accounts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-28 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: Experian Information Solutions Inc.
State: IN

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 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 2022-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
The problem is with Comenity Bank ( now part of Bread XXXX XXXX XXXX Comenity is the bank that issued my Sony credit card ( a XXXX  card ). Comenitys site is down and their phone lines are off ( the recording said the company lines were closed due to unforeseen circumstances. ) This has been the case since at least XX/XX/XXXX when I first went to pay my bill online. Its now XX/XX/XXXX and my bill is due today and they are providing no way to pay it. I have an XXXX credit rating and dont want to lose that. Comenity is now saying this was a planned shutdown but I never received advanced notice and its been going on for days. Concerned Ill get a late fee / interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I received my monthly statement and noticed the Escrow Account monies being held by Bank of America was twice as high. 

I spoke to someone named XXXX who explained that even though the amount needed to cover taxes and insurance is much less than what is being held in escrow that Bank of America policy is not to refund that money until next year. 

So With inflation the highest its been in XXXX years. Gas prices food and everything Bank of America is going to hold unneeded customers money until next year. There are excess funds in the escrow but customers have to wait for XXXX months????

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 2022-06-28 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: American First Finance, Inc.
State: MO

Complaint narrative:
On or around XX/XX/2022, I purchased a cabinet from XXXX XXXX  in XXXX, Mo. The rep offered a payment plan that would not use my credit if I paid off my balance in 90 days. The process involved verification of a bank account only. I paid off my balance in one month. Now I find that the purchase has been reported as a XXXX on my credit report lowering my credit score. I contacted both the store and American First Finance to ask that the XXXX be removed from my credit report ... XXXXthey refused. 
I feel they are actively deceiving consumers to get them to apply for credit they may or not need.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

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 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 2022-06-28 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: IN

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 2022-06-28 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: NC

Complaint narrative:
We disputed an inaccurate collections account on all XXXX of my credit reports. XXXX and Experian quickly removed the disputed collections from my report. Experian refused to remove from my report and would not discuss the matter with me by phone.

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 2022-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Ive been disputing these accounts because not only they are inaccurate they violate my Hyppa rights Please note that I have not given prior consent to no medical facility to give my medical information to a third-party agency please have the credit bureaus properly verify and provide The original contract with my wet signature stating that we agreed to those terms and agreement with me and XXXX XXXX XXXX  And to please provide the medical Hyppa agreement stating that I gave permission to the medical facility to give my information to a third-party agency Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-06-28 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland Funding LLC, violated my rights as a consumer according to the FDCPA. They violated my rights due to the laws listed below : 15 U.S.C 1681 section 602 A states i have the right to privacy. 15 U.S.C 1681 Section 6042 : It also states a consumer reporting agency can not furnish an account without my written instructions. I disputed this account with the credit bureaus and they stated that they verified that my information is correct. After doing further research on my credit report I see an inaccuracy that should have been correct if the account was verified correctly. Midland Funding LLC, reported to XXXX that the date opened was XX/XX/XXXX. XXXX and XXXX date opened was reported on XX/XX/XXXX. Midland Funding LLC, reported to XXXX that this account is 120 days late and last active on XX/XX/XXXX. It was also reported to XXXX the last active date was XX/XX/XXXX. It was reported to XXXX the date last active was XX/XX/XXXX. From my understanding of the law EVERYTHING has to be correct and the same across the board ALL credit bureaus and if my account was verified correctly as they stated then this information should be accurate. Also, they failed to do their due diligence when my account was verified to make sure that everything is accurate across all the credit bureaus. If there are different dates for anything then how is the information considered as accurate and the account verified? In the letter presented to me it was stated that the account was opened on XX/XX/XXXX. But it was reported to XXXX and XXXX that the account was opened on XX/XX/XXXX, how is that accurate? Thats 27 days before you stated that you opened the account? That is again against the FDCPA. Thats completely wrong and against my consumer rights. If the account was verified correctly then this would have been caught and noted as an issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 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: MD

Complaint narrative:
I am a consumer by law and my information was misused and now I have false information, not 100 % accurate accounts on my credit report. All being unauthorized use of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: VI

Complaint narrative:
I received notification from the credit bureau that my old navy credit card account had been closed in XX/XX/XXXX. I later received a notice by mail that they were in fact transferring service from synchrony bank to XXXX and that it " would not affect my credit '' ( It did because it was inaccurately closed ). I received a new credit card agreement pending the credit card. The notice indicates I should have already received my new card in XXXX. I have tried calling to no avail as they are not able to identify the account due to it being closed inaccurately, only to be told that I can reapply! I as the consumer at no fault, should not be asked to reapply. I have been an existing account holder with excellent pay history since 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 2022-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: CA

Complaint narrative:
I reported my card lost or stolen When I return home from a trip I contacted chime bank inform them of transactions that we're posting that we're Not authorized. I also provided them with a police report number Once I received the email from them telling me that these transactions would not be reversed I requested of all information that was obtained for them making that decision.. I also requested at the time a new debit card I changed my pin. I even went to appeal the original decision not to reverse the charges as of this date my account has been closed I'm still to receive any type of written documentation for them supporting that decision to deny every single claim. When I called back to customer service and spoke to representative and I asked her what evidence supported you your claim to deny my request for reimbursement And was told then that actually no information other than the information I provided to them Was considered.. I am lost as to how a company decides decides to not Remember me for unknown spice transactions when they never requested a copy of the police report and police report and I told them that that these transactions were we're unauthorized because I was not for example in XXXX XXXX so I was not buying gas in XXXX XXXX I was not Spending money for XXXX  for 2000 and then was told that my deny was my my my claim was denied but but then I received a message from XXXX informing me is that a That a charge back is being issued by from my bank I was more concerned with the fact that I was now receiving an email from a company that I haven't signed up for

Company response to consumer: Closed with explanation