vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-28 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: WA

Complaint narrative:
XX/XX/XXXX mailed XXXX payment to bank P.O. box  in XXXX, TX - considered late after XX/XX/XXXX XX/XX/XXXX received late payment notice including {$58.00} late fee - called customer service number and told payment may not have been picked up from P O box and fee waived XX/XX/XXXX called debt service in response to telephone message - told per bank 's tracking payment arrived at XXXX post office XX/XX/XXXX but had still not been picked up or posted to my account ; also stated credit reporting agencies would be notified if payment is not credited by XX/XX/XXXX and could avoid by making payment via telephone which I declined as check already delivered and received

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 2021-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
B B & T of North Carolina allowed someone to open a Checking account in my name and social security fraudulently. When I started receiving overdraft notices in the mail, I could not reach anyone by phone at the local branch ( XXXX, NC ) or at the branch listed on the statements XXXX XXXX, NC XXXX for several days. When I finally got through to a person, they transferred me to someone with voicemail who did not call me back. I called the Corporate office in XXXX which transferred me to the local XXXX branch and the guy who answered the phone challenged my spouse as if security was of the utmost concern to them, although she clearly stated the issue, gave them her social, and mine also. When she called me to the phone, he began to question me and lecture my spouse as if 'she ' were the person who was in the wrong. After much persistence, I learned that they had allowed someone to open an account ONLINE with MY social security number and this person on the phone was attempting to tell my spouse that 'she ' could not speak to them about it if I was not present WHEN I was telling him to do so. He ignored my requests, ignored my instructions, and continued to act as if it were my spouse in the wrong. He stated they would 'mail ' a form ( as if it were of no consequence that fraud had been committed ) and THEN had the gall to hang up on us. We have no idea if the issue is being addressed and this bank has acted in a completely negligent fashion, not to mention treating concerned, and justifiably so, persons contemptuously. They need to be caused to answer as to how this has happened and we expect an appology and FULL disclosure of information as well as how they intend to remedy any damage caused by their lack of security.

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 2021-06-28 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am a Fraud victim and I have multiple Discrepancies on my credit profile.I have been disputing XXXXXXXX XXXX for years Now. I have no knowledge of this {$3300.00} account. I offered to pay it off for removal of my credit but they wont agree to it. This fraudulent item in my account is hurting me from becoming a officer of the law. I have a fraudulent freeze on my credit because my social security number has been compromised. Is there anyway I can please have my credit file revised. I also have a late payment recorded from chase bank that was a mistake on their end. I have reached out to them multiple times to correct this but they will not grant a goodwill adjustment. If my file was looked at in 5 years I have never missed one payment except the one Chase has mistaking lot recorded.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am a Fraud victim and I have multiple Discrepancies on my credit profile.I have been disputing XXXXXXXX XXXX for years Now. I have no knowledge of this {$3300.00} account. I offered to pay it off for removal of my credit but they wont agree to it. This fraudulent item in my account is hurting me from becoming a officer of the law. I have a fraudulent freeze on my credit because my social security number has been compromised. Is there anyway I can please have my credit file revised. I also have a late payment recorded from XXXX XXXX that was a mistake on their end. I have reached out to them multiple times to correct this but they will not grant a goodwill adjustment. If my file was looked at in 5 years I have never missed one payment except the one XXXX has mistaking lot recorded.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My Wells Fargo interest only HELOC of {$85000.00} matured on XX/XX/XXXX. YES XXXX! 
I had timely paid all 180 monthly payments.. My mortgage payments beginning in XX/XX/XXXX were all timely paid. My credit cards were all current. I had a FICO score of XXXX. 
I began the renewal process in XX/XX/XXXX by submitting documents to support my wages, Social Security and rental income. Wages was {$40000.00} Social Security of {$20000.00} and rental Income of $ XXXXThe Wells Fargo position was payment in full and refused to accept any monthly payments. Of note, I was given credit for the XXXXXX/XX/XXXX payment. As this negotiating process continued after the maturity date, I was marked late for the months of XXXX, XXXX and XX/XX/XXXX. 
Other mortgage companies gave the three late payments as the reason for refusing any financing. If a refi was negotiated, the monthly payment would have been less than the current XXXX XXXX % mortgage payment alone. This account was bounced from renewal of the HELOC to Refinancing then back to HELOC and then to Home Preservation then to Forebearance. Each time the process required submission of the supporting documents. 
BTY per Wells Fargo my current FICO score is XXXX.!!! 
I am now XXXX years old. Is this age discrimination or merely incompetence??. 
I have been injured financially as I am locked into the XXXX XXXX % mortgage and in that in seeking employment, when a company checks my bank reference all negotiating is ended..

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 2021-06-28 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I sent XXXX, TransUnion and XXXX a complaint about an account and inaccurate inquiries that has been reported on my credit report. I sent them formal XXXX dispute letters on XX/XX/2021 and haven't been able to get a response back after 30 days. I sent an additional 30 day demand and compliance letter once the time period of 30 days has passed and I still haven't received any response. They haven't been able to verify the inaccurate account that they are reporting on my credit report and I would appreciate it if they were to remove them 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 2021-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: FinCo Services Inc DBA Current
State: CA

Complaint narrative:
Since XXXX I signed up for this card called Current. XXXX kind of promption and now its hitting commercials. I haven't had any problems when i received it. Adding little money here and there. So I made a decision to put a big amount that I worked for into this account due to my spending habits. All of a sudden my account is under investigation. I don't know why. I called, there phone service is by a computer. I text the self service operator and no one can help me with this issue. In XXXX, I left it alone, to see that money can be added to my account from using and return car parts from a issue with my breaks. 
However, In my other account is max out no funds. My " Current '' account is my rainy day money, I cant do anything just look at the amount. So as of XXXX I called plead, I cried nothing. No one can help me. I canceled the old current and signed for a replacement just to see if there is a difference. Got irritated ask for a cancellation. Waiting o a new card in two weeks. But nothing from the Current card service. Just to read again that NOW my card is on over review with the high bureau. Which I think I bullocks. I asked for a check and to not be a Current card shareholder, I just want my money and be on my way. Nothing once again. I'm a single hard working mother and I just moved. Its very irritating and frustrating that a computer bank is messing up my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NCB Management Services Inc.
State: IL

Complaint narrative:
Paid off a debt after agreeing to a settlement agreement with NCB Management Services Incorporated.

They reduced the balance of the account as agreed by reporting it to the credit bureaus.

They then re-reported the full remaining balance against me to credit bureaus claiming it is part of the process and they can do nothing about it.

Made contact with company who is unable to anything about it and " attempted to transfer me to a supervisor/management '' for an hour before coming back with " It's under investigation now. We'll contact you later. '' Unlawful negative action taken less then twenty-four hours after fully satisfying the payment plan as made.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
I had a forbearance due to Covid 19. I didnt receive notice the forbearance was ending. Instead I received overdue notice. I paid immediately. I was still given a negative mark on my credit report. Ive asked Citi for assistance with this mark and I get transferred from customer service, to delinquent accounts and back and forth. No one there will help me. I feel that it is unfair that I received this negative mark as soon as my forbearance ended and especially because I scrimped to immediately pay the balance due as soon as I got the overdue letter. I thought they were helping me by offering the forbearance but mostly taking the forbearance hurt me ( my credit ) when I was already in a stressful situation due to Covid 19, the uncertainty of work availability and prices for everything rising.

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 2021-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I have received a bill that was created on XX/XX/2021 from XXXX XXXX XXXX for charge off balance : XXXX and a balance of XXXX stating that an account was created with my personal information without my permission and a debt that was not validated by me the original creditor and consumer. It was stated that this information was sent to the litigation department in their company and any information obtained to about me to collect debt will be used for that purpose. 

I will be mailing a letter to dispute this debt and to demand this company to remove this collection from off all three credit bureaus. Also to cease and desist all communication with me written and orally and sending a affidavit of truth. 

This company violated list of all the violations under FDCPA with a monetary of {$1000.00} 15 usc 1692c ( a ) 15 usc 1692d ( 1 ) 15 usc 1692e ( 10 ) 15 usc 1692f ( 1 ) and Identity Thief collection my personal info without consent and account made without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Google Compare Credit Cards Inc.
State: CA

Complaint narrative:
XX/XX/XXXX I installed on my TV the program XXXX  XXXX  from Google. On XX/XX/XXXX I unstalled this program Never watched no more. In XX/XX/XXXX I notice that My creedit card XXXX  XXXX statement ending in,,,,,,,,,,,,,,,,,,,,, XXXX there was still from XXXX XXXX in the amount of {$64.00}, XX/XX/XXXX, I called XXXX Ph XXXX XXXX XXXX, I spoke with a lady about noon time asking her to cancel my suscription .She said she took care of it. However I noticed that my Credit card statements show the same monthly amount until now. XXXX XXXX sent me leters with a lot letter with questions and the reason why I wanted to discontinue my XXXX? I told me that XXXX XXXX, which I have, similar programs I did saveral attempts to call Google They put me on hold for hours and finally they hang up on me Late XXXX, I asked XXXX XXXX Representative to enter a three party conference call : Myself, XXXX XXXX and Google., We called Google Ph # XXXX XXXX XXXX Put us on hold for two hours. XXXX XXXX Representative said sorry I can not wait long. I tried again next day. They give you a lot of options to log in using a computer There is not XXXX option English is my secon language, I just could not do it. I decided to retain the services of XXXX, XXXX  This company helped me to cancel my suscription of XXXX XXXX   which was canceled on XX/XX/XXXX. However XXXX is still charging the monthly premium of {$64.00} XXXX see attavchments ) The same thing is happening with XXXX XXXXbill phone XXXX XXXX XXXX, I never solicited movies program. They are charging me {$290.00} /month in my XXXX XXXX credit card ( see attachments XXXX XXXX XXXX said thet would not stop XXXX and XXXX from paying them. That I have to do it myself or with a court orders, I explanined that I tried many time and I can not contact them y phone

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: MO

Complaint narrative:
Have been a Discover Card holder since the XXXX 's and somehow missed a payment for a {$110.00} purchase in XX/XX/XXXX. I schedule my payments in advance so don't know why it didn't go through - perhaps a glitch in their software. Paid for the {$110.00} purchase but was charged {$31.00} ( 27 % of purchase ) in late fees. When I didn't pay the exorbitant fee, another {$31.00} in late fees was charged the following month ... no purchases had been made ; it was simply a late fee and interest on the prior month 's late fee and interest only - now accumulating to {$60.00} in fees on a {$110.00} purchase ( 52 % of purchase ). When I called to get fees credited, I was told they could credit the first {$31.00} but I would have to pay the second fee on the first fee that was being credited! I am a XXXX XXXX and have been a long time cardholder with an immaculate payment history. I told them to close the account and that I would not pay it and was told the fees would just keep accumulating month after month. Discover used to be consumer friendly - seems like they're more into bullying these days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-28 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: MD

Complaint narrative:
Review my credit report, and I've noticed some discrepancies and you see the attached for details. Please help I am trying to get this account that was created by identity theft off my report. This is restricting me in my financial life providing for my parents, fianc ' and child.

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 2021-06-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I recently reviewed a copy of my credit report from XXXX XXXX and XXXX and noticed that I was reported as being late on this account which has caused severe damage to my credit score. After doing some research and coming across the Fair Credit Reporting Act, I see that I am allowed to dispute any and all late payment history being reported if I feel it is inaccurate or incorrect.

I was affected by COVID-19. Per the amendment of the FCRA with the CARES Act passed by Congress in XX/XX/2020, any late payments need to be removed from my credit report and updated as paid on time with zero lates that were reported since XX/XX/2020. 

I already disputed this with the credit bureaus directly and they verified it as being accurate. I am not sure how this happened, I believe that I had made my payments to you on time when I received my statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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: GA

Complaint narrative:
There is a debt from XXXX in the amount of {$2400.00} that I have to keep disputing and requesting validation on for the the past year or so. In XX/XX/2020 XXXX sold this debt to a company named XXXX XXXX ; who failed to validate the debt and was deleted from my report. Then XXXX decided to sell the {$2400.00} debt to XXXX XXXX XXXX in XX/XX/2020 ; and in turn they failed to validate the debt and was deleted from my reports the 2nd time. Now going on the third attempt ; XXXX has decided to sell this {$2400.00} debt to XXXX XXXX XXXX company in XXXX, NC. I have sent out a certified letter to this new company to validate this debt XXXX debt for {$2400.00}. 

I am tired of XXXX keep going from different collection companies ; trying to collect a debt they failed to validate twice already. I have asked them several times to provide the following items below for validation : An explanation of what this alleged account balance is for. 
A calculation of this balance ; including the complete payment history on this account, so I have proof that the amount is correct. 
Documentation showing, I agreed to pay this debt The Agreement that grants authority to collect on this alleged debt. 
A copy of your state license, including license number. 

XXXX has violated my consumer rights and failed to validate this debt at my request ; which is an FDCPA violation and they continued to report a disputed debt which is an FCRA violation. The FCRA requires the company and bureaus to verify the validity of this debt within 30 days. If the validity can not be confirmed, they are obligated by law to remove it from my credit file. Since they have failed so many times I am asking that they cease sending me collection letters from several different companies trying to collect a debt that does not belong to me and I have provided documentation stating this does not belong to me.

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