vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In XXXX with the fair credit reporting act XXXX XXXX XXXX  deleted my one acct and I am still paying on the acct with account number XXXX. XXXX XXXX with XXXX XXXX and she stated the one account is deleted and paid off. the second acct is with XXXX  and ends with XXXX XXXX and I already made payments for it. But the other XXXX XXXX needs to come off the credit reports all three. 
15 U.S.C 1681 Section 602A states I have the right to privacy, 15 U.S.C 1681 Section 604A Section 2, It also states a consumer reporting agency can not furnish a account without my written instruction. I paid off these account even though they are still listed and has a charge off on the four of them, I need all four account deleted immediately. Thanks 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 2022-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
1. XX/XX/XXXX, attempted to make a purchase with my debit card with 'XXXX ' for $ XXXX and was declined. Recieved email from XXXX and a battle ensued about the racketeering activity they were conducting. 

2. Filed a complaint with the XXXX  about that transaction.. 

3. Response was slow and still pending with XXXX  against XXXX, so I attempted to make another purchase/transaction on XX/XX/XXXX ; also got rejected and for the same frivolous reasoning. 

4. I contacted my bank, XXXX, and requested explanation and they told me that the Merchant 's processor ( Well Fargo ) took the funds from my acct and held them. 

5. I am leveraging this financial institution 's action to the CFPB for immediate action for this racketeering activity, working in concert with their merchant XXXX to extort funds and as shown in the attached " Dear XXXX '' XXXX sent to me ; XXXX is working with Well Fargo XXXX XXXX to hand deliver cash $ $ when there isn't a problem with my preferred method of payment. 

6. Per the attachment ; XXXX is telling me the justification for this action is my bank, XXXX has declined the funds, which they have not ... Additionally, I have overdraft protection on the acct ... SOOO DOUBLE, XXXX  is a fraud!!

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 2022-03-25 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: IL

Complaint narrative:
On XX/XX/XXXX, I made arrangements online to have my payment made on the due date of XX/XX/XXXX. When I received my XXXX statement on XX/XX/XXXX, I realized they hadn't taken out the payment on XX/XX/XXXX, so I called the company, Comenity Bank about the mixup with my XXXX XXXX account. They were very helpful, and everything was fixed, or so I thought. Today, XX/XX/XXXX, I received a statement from Comenity BankXXXX XXXX for {$140.00}. The statement clearly shows that I had paid the bill on the XXXX of XXXX, and that they had given me a partial credit on the late fee as well as XXXX on the finance charge. Then it shows that they returned my payment, which they did not do, put the late fee and finance charge back on my bill, and added another late fee and additional finance charge as well. I had them paid off, and had requested my card be cancelled. Now they have kept the money I gave them, lied about returning the payment, which they had no reason to do, and are charging me way more money. They didn't cancel the card, but lowered the limit. I have mailed them a check for {$140.00}, which I do NOT owe them. Please, do something about this company. I don't know anyone who can afford this kind of treatment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
To whom it may concern, In the month of XX/XX/XXXX, I was XXXX for complications involving XXXX. I subsequently called ALLY Financial Auto in XX/XX/XXXX once I saw that my credit report ( all 3 credit bureaus ) showed a " past due payment. '' My Credit score dropped by XXXX pts. This should not have been the case since I paid more than the {$730.00} due. I was told by Ally Financial that my hardship was acknowledged and I was not delinquent and the credit reports would be corrected. 
In XX/XX/XXXX, I was reported past due once again, causing an additional drop of XXXX pts. Moreover, it appears that the actual monthly amount is not at issue, since I pay {$800.00} ( more than {$730.00} ) every month. The attached exhibit shows that Ally Financial Auto is treating a late {$670.00} late fee as a " past due '' amount every month going forward. The predatory behavior on the part of ALLY caused damage. To wit : 1. It puts my housing at risk, since rent is based on a good credit score. 2. It raises all other credit costs because equitable access to credit is based on a good credit score. The predatory interest rate is racists, as it applies to mostly XXXX and XXXX consumers who, like me, are caught in this cycle.

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 2022-03-25 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: GA

Complaint narrative:
I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get a job, apply for an auto loan, apply for a credit card, or even get an SBA loan for my business. Under this crisis of Covid 19 you have hurt my ability to obtain credit. On XX/XX/2022 I attempted to submit a dispute for negative items on my credit report. I submitted my documents to identify myself and used certified mail to ensure the arrival of my dispute letters. I submitted a follow up letter on XX/XX/2022 and on XX/XX/2022 to comply with my demands so that they see I reached out to the consumer financial protection bureau and other agencies for their assistance in this issue.

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 2022-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Venmo has froze my account and now told me they are done doing business with me but holding my funds for 180 days. All the money I have is in that account. They won't tell me whT I've done wrong or allow me to transfer my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
Date Was Paid XX/XX/2022 They Even Sent Out The Deletion Letter So I Emailed Them With A Copy Of Receipt Paid In Full Didnt Receive Any Feed Back So Know Im Moving Forward With The Complaint And Its Still 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 explanation
Consumer complaint received 2022-03-25 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: I.C. System, Inc.
State: TX

Complaint narrative:
I sent a letter to IC System on XX/XX/XXXX via certified mail regarding account starting with XXXX, to which they responded that they were not able to locate/verify the account. I sent a letter to XXXX asking them to delete this account from my credit report because it can not be validated and thus being falsely reported. In addition to the failure to validate the debt, IC systems is now reporting that the date of last active is XX/XX/XXXX which is considered re-aging and is illegal. This is not my account and it should be deleted immediately.

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 2022-03-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: OPORTUN FINANCIAL CORPORATION
State: NY

Complaint narrative:
In recent days I opened a new credit card with XXXX XXXX and checked the XXXX SCORE and I realized that there was an account closed with the OPORTUNXXXX company with a credit of {$1200.00} dollars, which I never requested, I spoke to the company and provided my name, address and social security number and they tell me that with my social security number there is NO account but with my name if there is a registered accountto which I inform them that they are directly but with my name if there is a registered account affecting me due to said negative report on my credit. 

present the respective claim to the XXXX credit bureau since it is the only one of the 3 bureaus that has this negative report in the other XXXX there is no such negative report. 

someone unscrupulously used and/or stole my name and address to apply for this card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
To Whom It May Concern, I received a letter from Midland Credit Management , LLC. They have accused me of opening a credit card with XXXX XXXX in XXXX. I don't recognize the card nor the address on the bill. I have not lived in Arkansas since XXXX. I don't know anyone in XXXX, AR. I believe my identity has been stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I had a charged off credit card balance with USAA and I obtained a settlement offer. I mailed them the check for the settlement offer and the check was cashed on XX/XX/21. But, USAA is still showing on my credit report that I owe then {$710.00}. 

I specifically informed USAA that I accepted the settlement offer and met all requirements of the settlement and they cashed my check.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I never received a notice of sale!! The amount is incorrect!!! That is inaccurate information!!! The Credit Bureaus are reporting XXXX as a Repossession when originally it was a credit sale!!! Inaccurate information!! Transunion is reporting over {$13000.00} XXXX is reporting {$9700.00} and XXXX is reporting {$9200.00} XXXX different amounts so how was this verified? Therefore its an error or a lie!! This could not have been verified properly if its XXXX different amounts!!! Also, I have enclosed documentation proving this is all inaccurate information based on all of the technicalities!! According to the FCRA!! I have the right to a fair credit report but if youre allegedly reporting this as a repossession then why are you still reporting late payments on my report? An error or a lie!! Therefore this should be immediately deleted off of my Report!! Also according to the Nevada of Limitations They Also violated Repo laws!! According to the FCRA it has to be reported XXXX percent accurate!! This is all inaccurate information therefore should be deleted off of my Report!!! Also this was an illegal repossession which took place on private property!!! They unlawfully trespassed on private property!! The repossession took place on XXXX XXXX XXXX!! Its no trespassing on private property!!! This is illegal in the state of Nevada!! Breech of Peace!!! I also have the right to an attorney if this is not immediately deleted off of my report!! The vehicle allegedly sold in auction for {$4300.00} according to XXXX yet they are reporting late payments but offered a settlement of {$5000.00} all inaccuracies and technicalities that should be deleted off of my Report immediately!! 
Please delete XXXX  Immediately!!

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 2022-03-25 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: NV

Complaint narrative:
I never received a notice of sale!! The amount is incorrect!!! That is inaccurate information!!! The Credit Bureaus are reporting XXXX as a Repossession when originally it was a credit sale!!! Inaccurate information!! XXXX is reporting over {$13000.00} Equifax is reporting {$9700.00} and XXXX is reporting {$9200.00} XXXX different amounts so how was this verified? Therefore its an error or a lie!! This could not have been verified properly if its XXXX different amounts!!! Also, I have enclosed documentation proving this is all inaccurate information based on all of the technicalities!! According to the FCRA!! I have the right to a fair credit report but if youre allegedly reporting this as a repossession then why are you still reporting late payments on my report? An error or a lie!! Therefore this should be immediately deleted off of my Report!! Also according to the Nevada of Limitations They Also violated Repo laws!! According to the FCRA it has to be reported XXXX percent accurate!! This is all inaccurate information therefore should be deleted off of my Report!!! Also this was an illegal repossession which took place on private property!!! They unlawfully trespassed on private property!! The repossession took place on XXXX XXXX XXXX!! Its no trespassing on private property!!! This is illegal in the state of Nevada!! Breech of Peace!!! I also have the right to an attorney if this is not immediately deleted off of my report!! The vehicle allegedly sold in auction for {$4300.00} according to XXXX yet they are reporting late payments but offered a settlement of {$5000.00} all inaccuracies and technicalities that should be deleted off of my Report immediately!! 
Please delete XXXX  Immediately!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Client Services, Inc.
State: NJ

Complaint narrative:
I kept getting phone calls from Client Services Inc twice a day once in the morning and once in the evening. When I answered the call no one picked up and I hung up. This went on for months. 

Company address is : Client Services , Inc . 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX XXXX Spoke with : XXXX XXXX, XXXX XXXX and XXXX XXXX. 

All completely useless and offered no information other than " they are sorry. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I had a XXXX XXXX in my teeth. Went to dentist. They hit me with a huge amount. They applied me with a COMMENITY BANK LINE OF CREDIT to pay for my work I needed done. I never got a reminder through the mail that the 'interest fee ' period was ENDING. I had called at the end of XXXX, after getting my new bill to find out that the {$3500.00} bill I had whittled down to {$1100.00} was now over {$2200.00}!!! They added {$1000.00} to my bill!! I called and tried to talk to them to eliminate that interest. I had plans to pay it in full the next cycle!!! THEY WERE RUDE BEYOND BELIEF AND SAID THEY WOULD NOT REDUCE THE INTEREST! I even explained to them even a CAR when you do a 10 day payoff has reduced interest. I had just recovered from XXXX ALONG WITH MY SON WHO ALMOST DIED! I LOST MY JOB! Now High gas prices ... ... ... THEY REFUSED TO WORK WITH ME. ALL I WANT IS THE {$1000.00} ELIMINATED so I can pay my original balance in full which is the {$1100.00}. PLEASE PLEASE PLEASE HELP ME! 
THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have attempted to dispute several errors on my TransUnion credit report, illustrated in the attached files. TransUnion has responded with " Verified as Accurate '' on two accounts when the " Date Updated '' and " Date Last Active '' have not changed ; therefore, they have not done any investigation into the accounts and claimed to have verified the information. Additionally, when I challenged them on this matter in my follow-up dispute letter, they claimed that I was using a 3rd party debt repair service, which I mailed the letters myself, and that the 3rd party did not have the correct authorization to work my behalf. I have included a copy of my ID and Social Security card and a recent utility bill to confirm that it is me with each dispute letter I have sent. I feel that TransUnion is using this tactic as a deterrent in my attempts to correct errors on my credit report with them as they benefit from the negative and false information represented on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-25 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: NC

Complaint narrative:
I have submitted multiple complaints to the CFPB about Equifax 's failure to remove an erroneous bankruptcy on my credit report. I have submitted to them all of the supporting documents showing proof that it was deleted by the Consumer reporting agency they continuously claim is verifying the information. Because of their failures, this has hurt my ability to obtain credit including being charged higher interest rates than I should have been charged if they just do their jobs and remove this false and erroneous information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: ME

Complaint narrative:
We tried to refinance our existing mortgage with same XXXX bank that presently holds our mortgage at a higher rate. 
Everything was great, new lower rate, very high credit scores, more money in XXXX bank than our mortgage balance, we are putting 80 % down. It all went smooth till a couple days before closing the said it was unacceptable property type but it is same property we have been paying a higher rate on the last XXXX years. This also coincided with news of higher interest rates and world affairs.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I paid on time my lease car and XXXX report payment late.

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 2022-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get a job, apply for an auto loan, apply for a credit card, or even get an SBA loan for my business. Under this crisis of Covid 19 you have hurt my ability to obtain credit. On XX/XX/2022 I attempted to submit a dispute for negative items on my credit report. I submitted my documents to identify myself and used certified mail to ensure the arrival of my dispute letters. I submitted a follow up letter on XX/XX/2022 and on XX/XX/2022 to comply with my demands so that they see I reached out to the consumer financial protection bureau and other agencies for their assistance in this issue.

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