vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax continues to report fraudulent information. The chargeoffs are not mine and belong to someone else. I never gave Equifax consent to report XXXX XXXX XXXX, and XXXX XXXX on my credit report. According to USC 1681 ( b ) a consumer reporting agency can only furnish something in accordance with the written instruction of the consumer to whom it relates. Block and remove these reports as I have right to privacy as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 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: CITIBANK, N.A.
State: KS

Complaint narrative:
I observed an unauthorized charge on my account with a posting date of XX/XX/XXXX ( see attached statement for XX/XX/XXXX ). The charge was for a cancelled subscription service. The service was cancelled in XX/XX/XXXX because the service was no longer being used. The subscription was for XXXX XXXX XXXX. I immediately contacted Citibank via the credit card web site. In XX/XX/XXXX, I received a letter from Citibank replying that the dispute inquiry was received and was being investigated. The letter further stated that I am not required to pay the disputed amount including interest charges or fees while the dispute is being investigated. I have not received any additional correspondence from Citibank regarding this issue. The XXXX statement that I received yesterday has interest charges and is requiring that the disputed charge be paid by XX/XX/XXXX or additional late fees and interest will be incurred XXXX see attached ). This charge was not authorized and Citibank is requiring that the unauthorized charge be paid. Citibank is threating with additional charges and negative reporting to the credit bureaus for me not paying this unauthorized charge. Futhermore, the credit card is expired, so how can unauthorized charge been incurred anyway. Thanks. I sincerely appreciate any help that you can provide in this matter. Citibank has failed to respond to several attempts to contact them both in writing via USPS correspondence and messages left through the credit card account web site.

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 2021-05-14 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: TN

Complaint narrative:
XXXX and Experian should not be reporting a collection/chargeoff or that I am ( 120 ) days late on the XXXX XXXX XXXX XXXX account XXXX XXXX and XXXX. ( Please see pages attached from my credit report. I have attached a copy of my drivers license and SSN for identification purposes. ) I contacted XXXX XXXX and the representative I spoke with could not verify my name ; address ; phone number ; email or find any account number associated with my name. I requested they contact the credit bureaus and remove these items from my credit report. I was assured they would contact XXXX XXXX Experian and XXXX and have these items removed however, this has yet to happen. This is a clear violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of a collection/chargeoff and lates is seriously harming my credit score and these line items need to be removed. I have also contacted the bureaus to remove these items but have not been successful.

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 2021-05-14 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: WELLS FARGO & COMPANY
State: AR

Complaint narrative:
I have an account I opened with wells Fargo on and around XX/XX/XXXX. Around XX/XX/XXXX while submitting an application for financing for business I was notified by the bank representative that unbeknown to be me on XXXX and XX/XX/XXXX I was late on the student loan payment. 

I Immediately Contacted wells Fargo by phone first to see what this was all about and also to determine why I was not notified by phone or mail regarding this matter. I did not receive any correspondence from wells Fargo until XX/XX/XXXX I received a letter stating that they investigated my dispute and everything was accurate with NO explanation or supporting evidence as required by law. 

Then on XX/XX/XXXX more than 30 days from my initial request to investigate this inaccurate reporting. ( I am attaching the response from wells Fargo to this complaint. ) I received an email from Wells Fargo Executive Office stating that they are in receipt of the dispute and they will be getting back to me. Some of the concerns that wells fargo did not resolve with my dispute request are : 1. I was not notified of the negative item reporting as required by FCRA 623 ( a ) ( 7 ) 2. FCRA 623 ( a ) ( 8 ) gives me the right to dispute information directly with the furnisher and the furnisher wels fargo is required to provide proof to justify this reporting all I received was a canned response.

NOTE : FCRA ( FACTA ), consumers now have the right to go directly to the original creditor and ask for proof of negative information. In addition, court case opinion No. XXXX XXXX by the US Court of Appeals 9th Circuit, Nelson Vs. Chase Manhattan, the court ruled that the creditor has the responsibility to investigate and make sure that correct information is being reported to the bureaus, and that the consumer has a right to sue under the FCRA, should his or her rights be violated. 

3. Under the Care Act student loans were all placed on deferment. I am not sure if this is a public or private loan but I believe the spirit behind all Americans at the time was to help one another get passed this unfortunate time so wells Fargo to not even inform me about this late and continue to report to frivolous unverified derogatory account is a clear violation of my rights.

I also contacted wells Fargo by phone numerous time I was told my account was transferred to XXXX XXXX XXXX Ext XXXX who has promised me on 3-4 different occasions that she will get back to me and still has not. 

This inaccurate and misleading derogatory has affected my ability to obtain funding and continue to support my business.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
When my Simple bank account transitioned to BBVA I lost access to my account. This was after being assured for months that we shouldnt run into any issues. I have tried calling BBVA three times now. The first time I was asked a verification question that there was no way I could answer- they asked when did a company last direct deposit into your account I have no idea. I have been freelancing for 5+ years and have payments deposited into my account in a variety of ways. The last time I worked for a company that had direct deposit was in XXXX so I provided that info only to be told that I had FAILED the verification process, then was hung up on. Another call and hour on hold and I get through to someone else, am able to get through the verification process XXXX suddenly they are happy to ask me other questions? ) but Im hung up on in the middle of it. Then again this morning I try calling, am on hold for almost an hour, and am hung up on before even reaching someone. This is absolutely insane. Over the past week I have already missed two major bill payments and have spent hours of time that I should be working dealing with this issue that just can not seem to be resolved. I would have no idea if my account was compromised to right now, if someone is making charges to it, nothing. This is extremely unsettling and seems illegal. I suddenly have zero access to my money after years of banking with Simple and not having a single issue. I am now hearing that I should just go to a branch to resolve the issue. I guess they forgot were still in a pandemic- and while I understand most people are now out and about, Im *actually* XXXX  right now and am waiting for XXXX test results. So Im gathering that my only option to access MY bank account, is to potentially with XXXX ( or at least some type of XXXX  that could be XXXX XXXX XXXX drive down to a bank?! I havent been inside a bank since I got Simple in 2016. Didnt ask for any of this, and cant believe how irresponsible BBVA has been with our money and our time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
On or around XX/XX/XXXX, I consulted XXXX XXXX @ Citizens Bank about getting a home loan. I let her know that I worked in the XXXX industry and was worried about getting approved. She let me know that it would not be an issue and we started the loan process. I put a down payment, I paid for an appraisal, and even got loan commitment. The underwriter approved my application. Then, 4 hours after I was scheduled to close, I found out that the bank would not approve my application due to me being employed by a XXXX dispensary.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-14 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: MARINER FINANCE, LLC
State: TN

Complaint narrative:
I called the company ( Mariner Fiance ) the moment I notice this account on my credit report. I first asked the company who were they and what is it that they do exactly, I was told that they do unsecured and secured loans. I then informed them that I noticed that there company has an activity on my account and I have never done business with them. I gave them my information and told them I was a victim of identity theft. I was then told by the company that they were going to look into what happened and remove the account. They never did. I have been disputing this account for a while now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 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: Bread Financial Holdings, Inc.
State: WY

Complaint narrative:
I opened a account with wayfair/Comenty bank, ( Comenity bank XXXX XXXX XXXX XXXX, Ohio XXXX ) they are the ones who turned this in to the credit agencies XX/XX/XXXX I had a PERFECT payment record until XX/XX/XXXX, towards the end of XX/XX/XXXX my Father was diagnosed with terminal XXXX XXXX I live in Wyoming I Immediately flew back to Indiana to be with my family he had a emergency Operation around the first of XX/XX/XXXX it didn't go good he died a couple weeks later on XX/XX/XXXX this was a Very traumatic event I can send death Certificate if necessary it was during this time for the first time EVER I was late when I got back to Wyoming the XXXX of XXXX and immediately made my payment now is when my problem begins Comenity bank turned this into the credit reporting agency 's didn't know this unit sometime later when trying to acquire loan I contacted Comenity bank trying to explain my situation that's when the problem started they have lost my account, Number XXXX comenity bank/ Wayfair were in the process of parting ways I was cought in the middle I contacted both comenity and wayfair they have no account information I have been going through a credit repair program but this bad report is still on my XXXX report I need it removed Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Not sure of date however i believe it was in 2019 that my vehicle was repossessed however i went the same day and paid all neccessary fees in which my vehicle was returned. I went to check my credit and was told there's a repossession fha is hurting my credit profile. I have paid all my debts and doing my absolute best to repair and this is the only thing in the way. I'm in search of help to remove this negative cloud off my credit report profile. Please any help in the right direction please. My car loan is from Fifth thrid bank i called them to assist and they forwarded me to this website

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 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: CT

Complaint narrative:
I reached out to all bureaus concerning unverified items on my report and had no response. I have attached the certified letter receipt to this complaint. Here are the tiems i want removed : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I contacted : XXXX XXXX XXXX XXXX # XXXX to ask to provide more information about a debt of {$860.00}. They never did. 

XXXX XXXX : XXXX to ask to provide more information about a debt of {$220.00}. They never did. 

Unauthorized Inquiries : XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Also : I made complaints : 30 days ago with all three credit bureaus XXXX , Transunion and XXXX . I have not heard anything back about these negative inquiries are derogatory creditors.

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 2021-05-14 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: LA

Complaint narrative:
I contacted : XXXX XXXX XXXX XXXX # XXXX to ask to provide more information about a debt of {$860.00}. They never did. 

Ccs Collec : XXXX to ask to provide more information about a debt of {$220.00}. They never did. 

Unauthorized Inquiries : XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Also : I made complaints : 30 days ago with all three credit bureaus XXXX , XXXX and Experian . I have not heard anything back about these negative inquiries are derogatory creditors.

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 2021-05-14 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Benworth Capital Partners LLC
State: TX

Complaint narrative:
I applied a 2st draw and a 2nd draw PPP Loan through XXXX XX/XX/21 then they sent my application to my lender which is Benworth and I got approved and funded XX/XX/21 but until now I haven't receive my money yet, I keep contacting them but I can't reach them out because all their contact numbers are disconnected and even their emails are not responding too, I reported this because I don't know where to ask some for help. I am hoping that you'll take a necessary action about my complain..Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: DISCOVER BANK
State: ME

Complaint narrative:
Discover closed my checking account without any notice. I had just transferred {$130.00} from my XXXX account prior to them closing my account and in response to my complaint, they said that they sent all funds in my account to the State of Maine Unemployment office. This included the {$130.00} transfer from my XXXX account. I received a check for {$3.00} today, which is nowhere close to the {$130.00} I had transferred. I do not understand why they would send MY funds to the State of Maine Unemployment office. It had nothing to do with the State of Maine so I don't know why they would send my money to some other business.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
This will be my third complaint to this company and nothing has being resolve, Complaint # XXXX, XXXX. XXXX XXXX keeps sending letters to close the complaint with CFPB but nothing has been resolved. My mortgage principal balance has gotten worse and incorrect. My XX/XX/XXXX outstanding balance was {$620000.00} before forbearance program. My payment deferral agreement said that my bearing principal balance shall be {$610000.00} before XX/XX/XXXX, per XXXX  XXXX and the agreement {$11.00}, XXXX would be added to my escrow account but to date XXXX {$0.00} added to escrow. Since XX/XX/XXXX I have made additional payments estimate total {$33000.00}, 11 payments or so that should have drop my principal balance outstanding even more. Since XXXX  was added to my escrow account, my principal balance should be an estimate {$600000.00} with additional balance ( Payment Deferral Agreement ) {$18000.00}. I have spoke to XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, I was gong to resolution in 72 hours but nothing. Email and call XXXX XXXX zero call back or email. This agency needs to research this company. I am being robbed of my hard earned 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 non-monetary relief
Consumer complaint received 2021-05-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report Collection Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original creditor name : XXXX XXXX Collection Creditor : XXXX COLLECTIONS Original Creditor Name : XXXX XXXX XXXX Collection Creditor : XXXX Original Creditor Name : 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 2021-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
In XX/XX/2020 I used my paypal account to receive my unemployment deposits. The initial deposit from Nevada Unemployment was for {$7400.00} on XX/XX/XXXX. I was able to transfer money out on XX/XX/XXXX and XX/XX/XXXX with all amounts being within their terms and conditions. The next time i tried to use my account I received the message that my account was limited and that i would have to wait 180 days before i would have access to my account. On the paypal website it clearly says " Since 180 days have now passed, you can now transfer your money from your PayPal account. You can transfer your money to a bank account or eligible debit card on your account. You may need to update your bank account or card, or add a new bank account or card before being able to withdraw your money. '' On XX/XX/XXXX i received an email that said the 180 days are up and that I should be able to transfer money out of my account. I have not been able to do so even now. I also dont have an option to add a bank account to be able to transfer funds or have access to my paypal cash card thats linked with my account. Everytime i call and ask about my account I get a different answer. One time i was even told that they cant do anything to help me. Which made me feel that they have no intention of giving me my money back. Its not only been 180 days since i dont have access to my unemployment money but its been way over XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 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: IN

Complaint narrative:
Experian will not update my consumer credit report to show that this account, XXXX Bank installment loan, is paid in full with a XXXX  Balance. Experian continues to report incorrect information about this account which has negatively impacted my FICO score.

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 2021-05-14 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated
State: FL

Complaint narrative:
Hello I have been waiting weeks for my prepaid Way2Go card And I still havent received it I called and asked if I can get a tracking number and said thats not possible when they gave it to other people living in the same household now they are charging me with a replacement when I never received one and got paid, also I asked if XXXX  year old and older can sign up for the go program and they hung up on me Im receiving benefits but im still waiting for my Way2Go card.

Company response to consumer: Closed with explanation