vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
When I first applied for a Victoria Secret Card I was turned down. Although I saw other people being approved. I finally received my card, after initiating a call to the Service Center, and verifying questions from my Credit Report. This was the first of many issues I have had with the Service Department of Comenity Bank. Recently I requested an additional card for my daughter. Instead, I received a letter from Comenity Bank indicating the process was delayed because they were not able to reach me with the information provided.

I called Comenity Bank, explained the situation, and was told I would be transferred to the Service Department Supervisor ( as I was when the account was first approved ), but instead I was transferred to Fraud Prevention. The Agent answering in Fraud Prevention indicated it was unusual that I would be transferred to Fraud. She indicated my scenario was common and could have ( should have ) been handled by the Service Department Supervisor. She suggested that she transfer me back to the Service Department Supervisor, with a soft hand off, informing the Service Department of their error. I waited 30-45 minutes for someone to pick up. No one ever did.

I tried to sign on to my online account, so that I could write the Service Department. But my password ( although verified and saved ) was not recognized. I went through the formality of changing my password ( to the same password I previously assigned ). I left a detail secured message. I received a rude, unprofessional response from the Service Supervisor, who never addressed the service failures. In my secured message, I requested a call from a Supervisor, and to be sure I recognized the call number, I requested the number from which to expect a call. I have yet, to not only receive a call back, but even a response to my secured message. Today I tried to sign into my online account, and YES. Once again, my password could not be recognized. This is ridiculous. Enough is enough. I hasten to believe that all customers are treated with such disparate treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 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: IN

Complaint narrative:
SUBJECT : Case # XXXX ... NO RESPONSE!!! ... Fw : XXXX, hmm, it's been a couple of months... 

OTHER THAN " AUTOMATED EMAILS '' ... I AM GETTING ABSOLUTELY NO RESPONSE FROM EXPERIAN ON THIS MATTER!!! 

NOW, THEY ARE THREATENING TO CLOSE MY ACCOUNT ... OVER THIS SAME MATTER!!! 


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 2021-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
In XXXX, 2021, a checking account was fraudulently opened with Wells Fargo Bank using my SS # and DOB. The second form of ID used on the application was a state driver 's license number which is not my license number. I have checked with my state 's Dept. of Transportation and the license number that was used does not exist in their files. 

Since this occurrence I have worked with Wells Fargo 's fraud management to close the account and have notified other appropriate authorities. But I do not understand how the account could be opened without a state issued ID that matched the other information provided to the bank. I have inquired with Wells Fargo about this and they refuse to answer this question. The inconsistency between the required forms of ID should have been a red flag. This leads me to believe there is not a thorough review of the all information that is submitted to Wells Fargo Bank during the online application process.

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 2021-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax is allowing several accounts to remain on my credit without deleting. 

XXXX  XXXX : No credit limit being shown on paid off credit card. This needs to be deleted XXXX XXXX : This account was paid & its showing the last active date was 2018 which means that Equifax never even investigated this issue. Delete from account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc.
State: IL

Complaint narrative:
YOU ARE IN VIOLATION OF THE FDCPA- YOU ARE IN VIOLATION OF MY FEDERALLY PROTECTED CONSUMER RIGHTS The Bureaus, XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX has been sending me collection notices and they are reporting a collection account - Account # XXXX - in the amount of {$300.00} on my consumer report, the collection is being reported as a positive balance and a collection account. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. This is Aggravated Identity Theft. I have included several violations that you, The Bureaus, XXXX, owe me in my Bill of Particulars.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: T.S. Holdings
State: TX

Complaint narrative:
On XX/XX/2021 {$550.00} was taken from my checking out without my authorization. I authorized {$50.00} to be taken on XX/XX/2021 just the one time. At no point did I authorize any other amount to be taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC

Complaint narrative:
Someone without my knowledge or consent made a deposit into my account of {$15000.00} dollars USAA determined this was fraudulent and that I was involved in it which I was not I immediately contacted USAAwhen I saw the deposit to find out where it came from they accused me without proof of behind involved in a scam and warned me any other issues with my account snd they could cancel my membership. On XX/XX/2021 after learning someone accessed or tried to access my account Usaa set my account up for credit only no debit on XX/XX/XXXX only two days later sn.individual named XXXX XXXX  tried to hsve a automatic payment paid yo his or her account to th XXXX XXXX XXXX I do not know this person nor had any connection to XXXX they Took {$400.00} from my account and charged me {$90.00} for insufficient funds fee when I had {$500.00} in the account at the time and whoever gain access into my account tried to set up o a weekly deposit from my account of. {$120000.00} a week funds I didnt even have how was this possible considering they placed my account in a credit only status deposits only is it possible thus XXXX is a USAA Employee targeting accounts that are in jeaporday of being closed? I dont know Usaa feels Im a scammer the only person to profit so far is USAAXXXX  XXXX $ XXXX.they have filed delinquent rrports with credit bureaus they should receive a fine gor this i dm a XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Hi Transunion XXXX again with my 3rd complaint. I just want to let TransUnion know I will not stop filing complaints until I get my resolution. You guys claim you are investigating but when I check your website it says nothing is being done. Then you send me a notice saying you cant honor my request because I received goods? Anyways I'm not going away. I'm getting really good at filling this form out and I look forward to filling out more.

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 2021-09-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
XX/XX/2017 I asked the company to closed my account and If I could return such merchandise. They refused to take back the product, but let me close my account. But, I began to receive more interest and hiked payments. I called again to speak with top management and they refused to help. So, I filed a dispute with XXXX. No, results. They still were charging me money. And, still doing so. My status is Closed /Never late, but this company refuses to stop charging me. It started XXXX  it's now XXXX. please help. Company Barclay 's.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
Hi XXXX XXXX again with my 3rd complaint. I just want to let XXXX know I will not stop filing complaints until I get my resolution. You guys claim you are investigating but when I check your website it says nothing is being done. Then you send me a notice saying you cant honor my request because I received goods? Anyways I'm not going away. I'm getting really good at filling this form out and I look forward to filling out more.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 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: AES/PHEAA
State: MN

Complaint narrative:
AES XXXX is reporting 8 student loans that I do not recall making from them as the borrower or giving my permission to service. All of my federal student loans were made through XXXX XXXX. AES XXXX is reporting the loans as having been last for four months in 2017. I was a student during the periods that they are reporting late payments. My other student loans are reporting as in good standing during the same months reported by AES because my federal student loans were in in-school deferment. I consolidated all of my student loans. The AES account has been closed for several years. My complaint is that ( 1 ) AES is reporting a total of 36 late payment to the credit bureaus and, when I asked them to send me a copy of the contracts, promissory notes, or any other documentation that defines the actual loans made, for what school, and when, they sent me a short ledger page that had no discernable information on the loans themselves or how AES came to service them. Reporting 36 late payments on my account that I challenge requires AES to produce those documents upon my dispute. Moreover, since the loans were consolidated under a federal program, I am entitled to accounting so that I can check AES ' information against the individual loans in my consolidation account. Sending me a generic printout of something purported to be a balance sheet without supporting documentation is a clear violation of the FCRA and demonstrates a reckless disregard for the impact that their 36 late payment allegations have on my credit and potential debt obligation for loans that I did not take out from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I want this unauthorized inquiry blocked and removed from my report XXXX XXXX XXXX Inquiry XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sonnenschein Financial Services, Inc.
State: IL

Complaint narrative:
company name : XXXX XXXX XXXX # XXXX I do not owe any money to anyone

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: DE

Complaint narrative:
XXXX Collection opened XX/XX/2019 Account type Collection Account Paid  off : 0 % Balance on XX/XX/2019 Original balance {$0.00}

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
I have constantly been contacting Mr. Cooper about my account issues beginning shortly after my first payment on XX/XX/XXXX. 

When I made my first mortgage payment, Mr. Cooper deducted the payment from my account twice. This unauthorized second deduction caused an overdraft in my account, and I contacted my bank to help resolve the issue as Mr. Cooper was non-responsive. Mr. Cooper would not promptly respond to my emails asking them for an explanation for my account issues ( why I had no payment due in XXXX ), the second unauthorized deduction, and the overdraft fee that they are wrongfully charging me ; instead, I receive vague responses after about two weeks, which is ridiculous. I have documentation of my emails to Mr. Cooper, as well as my bank 's resolution and proof that the payment was deducted twice. 

Here is my last email to Mr. Cooper Can Mr. Cooper please reconsider and reverse the fee? I didn't willfully make a second payment, which is why I sought out a dispute. I hope Mr. Cooper considers the impact that such fees have on buyers. 

There seems to be a misunderstanding of what happened. 

My first payment was posted on XXXX, and the second erroneous payment was posted on XXXX. The insufficient funds fee should be waived because the second deduction should never have been made in the first place. This payment was not made by me and was somehow made in error. 

The fee exists because somehow, payment was taken from my account twice. I inquired as to why I did not have a payment until XXXX as I knew one would be due in XXXX, and nobody could give me an answer. To my surprise, I discovered the payment was taken from my account, and I did not authorize this action. 

The payment that was reversed was an unauthorized payment posted on XX/XX/XXXX that was somehow taken from my account. I ask Mr. Cooper to please explain why the second payment was made on XXXX when the payment posted on XXXX went through in full? 

Can Mr. Cooper please consider reversing the insufficient fund 's fee?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 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: MN

Complaint narrative:
XXXX XXXX is reporting 8 student loans that I do not recall making from them as the borrower or giving my permission to service. All of my federal student loans were made through XXXX XXXX. XXXX XXXX is reporting the loans as having been last for four months in 2017. I was a student during the periods that they are reporting late payments. My other student loans are reporting as in good standing during the same months reported by XXXX because my federal student loans were in in-school deferment. I consolidated all of my student loans. The XXXX account has been closed for several years. My complaint is that ( 1 ) XXXX is reporting a total of 36 late payment to the credit bureaus and, when I asked them to send me a copy of the contracts, promissory notes, or any other documentation that defines the actual loans made, for what school, and when, they sent me a short ledger page that had no discernable information on the loans themselves or how XXXX came to service them. Reporting 36 late payments on my account that I challenge requires XXXX to produce those documents upon my dispute. Moreover, since the loans were consolidated under a federal program, I am entitled to accounting so that I can check XXXX ' information against the individual loans in my consolidation account. Sending me a generic printout of something purported to be a balance sheet without supporting documentation is a clear violation of the FCRA and demonstrates a reckless disregard for the impact that their 36 late payment allegations have on my credit and potential debt obligation for loans that I did not take out from them.

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 2021-09-19 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: EQUIFAX, INC.
State: MN

Complaint narrative:
XXXX XXXX is reporting 8 student loans that I do not recall making from them as the borrower or giving my permission to service. All of my federal student loans were made through XXXX XXXX. XXXX XXXX is reporting the loans as having been last for four months in 2017. I was a student during the periods that they are reporting late payments. My other student loans are reporting as in good standing during the same months reported by XXXX because my federal student loans were in in-school deferment. I consolidated all of my student loans. The XXXX account has been closed for several years. My complaint is that ( XXXX ) XXXX is reporting a total of 36 late payment to the credit bureaus and, when I asked them to send me a copy of the contracts, promissory notes, or any other documentation that defines the actual loans made, for what school, and when, they sent me a short ledger page that had no discernable information on the loans themselves or how XXXX came to service them. Reporting 36 late payments on my account that I challenge requires XXXX to produce those documents upon my dispute. Moreover, since the loans were consolidated under a federal program, I am entitled to accounting so that I can check XXXX ' information against the individual loans in my consolidation account. Sending me a generic printout of something purported to be a balance sheet without supporting documentation is a clear violation of the FCRA and demonstrates a reckless disregard for the impact that their 36 late payment allegations have on my credit and potential debt obligation for loans that I did not take out from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Firstsource Business Process Services, LLC
State: NJ

Complaint narrative:
FIRSTSOURCE advantage has been sending emails demanding I pay an unvalidated debt with false and deceptive forms 15 USC 1692j. With no prior consent from I consumer pursuant to 15 USC 1692 ( c ) ( a ). This is extortion due to the FACT I have no known authorized CONTRACT AGREEMENT with FIRSTSOURCE ADVANTAGE.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax, the fact that you are ignoring the the fair credit reporting act is very disappointing. You have deleted bankruptcy chapter XXXX off of my credit report, because you couldnt verify that it was my account. Also you know that you have told a lie saying the courts verify this information. Which they do not. And i provided a letter from the court stating that they indeed, DO NOT report public information to the credit bureaus. You reported this account back onto my report XX/XX/2021. Why? This is extremely frustrating for me. To provide you with correct information. For you to still go against the fair credit act is disgusting. Please remove this account like you previous did, and do not add it back on. Or i will result to legal actions. I will attach the letter from the bankruptcy court AGAIN. Also remove all those addresses that do not belong to me. The only address that is correct is XXXX XXXX, Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: CT

Complaint narrative:
i have recieved ten ( 10 ) emails, ( all emails ) in reference to winnings being held by different banks. the emails state in order to recieve the payoff, i must send the required fee, one notice is asking {$650.00}, another wants {$8000.00}.

I also recieved an disturbing email claiming it was from the FBI, threatning harm if i do not comply with their demands. 

i would like these scammers to be investigated for attacking the general public, especially seniors.

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