vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
Around med XXXX I noticed my credit score had dropped a great deal due to a negative report from Southwest Credit. After contacting Southwest Credit i am informed that they are collecting a debt for XXXX and i tell them that i have an acct. with XXXX and it's in good standing. the rep. suggested that i contact t-mobile. After contacting XXXX and informing them of this situation, they confirmed that my acct was current and that there was no debt owed. I've been back and forward with Southwest Credit and XXXX and have no success in resolving this issue while my good mane and credit is wrongfully attacked.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paradigm Assets, LLC
State: NJ

Complaint narrative:
After JHPDE Finance could not verify this account on my credit report with VALID and SIGNATED documentations like SIGNED CONTRACTS OR AGREEEMENTS BETWEEN ME AND THEM and could not provide my person with the reciept that show for how much money they bough this account from XXXX XXXX  with all my personal and federal information, XXXX went ahead and delete this JHPDE FINANCE account from my credit report. JHPDE was just trying to collect a sum of money I never own them..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 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: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have constantly contacted the reporting agency and the creditors.. they have failed to provide any validation of the inquiry but remains on my credit report instead of being removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I have been disputing this account for some time now with IC SYSTEMS. I sent an initial dispute letter asking for verification of this account because I am not familiar with this account and they have not responded. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. My letter was delivered on XX/XX/XXXX, and here is the tracking number XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

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 2021-09-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Carvana Group, LLC
State: AZ

Complaint narrative:
On XX/XX/XXXX I sold my XXXX XXXX XXXX XXXX sport double cab to Carvana, the representative showed up to my home at approximately XXXX and looked over my vehicle and verified the miles and presented me with the purchase documents to sign, which I signed and Carvana completed my electronic Equity payment MINUS the amount owed on my current loan to XXXX  XXXX XXXX. They had a person from Carvana come at XXXX and pickup my vehicle and take it to there holding lot in XXXX , AZ . I was told my loan balance would be paid off within approximately 5days. On XX/XX/XXXX I was verifying with XXXX  XXXX if my loan had been paid off and it WAS NOT so I contacted Carvana on XX/XX/XXXX to see why payment hadnt been made. I was informed by the representative with Carvana that they had no clue what I was talking about and that they didnt know they had my vehicle, I explained that they wouldnt have paid me if you didnt have my car and that I had a signed purchase agreement when they picked up my truck on XX/XX/XXXX. After looking further they found they had my vehicle but showed the representative that came to my home and finalized the sale CANCELLED the purchase by accident. Carvana requested a statement from my current lender on XX/XX/XXXX ( XXXX  XXXX ) showing the next payment due date on my loan, which I sent to XXXX XXXX with Carvana on XX/XX/XXXX and claimed the payoff to my current lender would be paid/posted within 2 days, as of XX/XX/XXXX My loan still isn't paid off and I am getting correspondence from Carvana Only stating they want to purchase my Truck and schedule pickup for my vehicle which they already have in there possession since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WESBANCO BANK, INC.
State: WV

Complaint narrative:
On XXXX, my husband used his debit card at XXXX for {$6.00} which resulted in our account being overdrawn by {$5.00}. At XXXX, 27 minutes later, I transferred a deposit in the amount of {$5.00} to remedy the negative balance. We were still charged an overdraft fee of {$35.00}. I went to the bank on XXXX at XXXX to deposit money to cover the days transactions and attempted to explain why the fee was erroneous, but my request for the refund was denied. I was told that because the debit posted and the deposit was still pending, the fee was legitimate. Again, there was a total of 27 minutes between the debit and the deposit, and the deposit was made prior to the XXXX deadline that I had previously been told was in place ( when a similar situation happened the day before and the fee was reversed ). 

We have been customers at this bank for several years and have never had this issue. There have been many times that my husband or I have been out and needed to use our card and then deposited the money later that day and fees were never assessed. When I explained this, I was told that the new system was to blame and the fee would not be refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 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: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Please remove these accounts : 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft PORTFOLIO Account Number : XXXX This is not mine. 

7. Identity Theft PORTFOLIO Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

9. Identity Theft PORTFOLIO RC ( Original Creditor 08 XXXX XXXX Account Number : XXXX This is not mine. 

10. Identity Theft PORTFOLIO RC ( Original Creditor 08 XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 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: OH

Complaint narrative:
To whom this may concern, I've already tried to fix this problem with this company and it seems as they never did a good complete investigation on my credit report. 
Here are the items that are hurting my credit report because of the company reporting the wrong information. 

I asked for these accounts to be verified to ensure accuracy which they did not do a good investigation on my accounts because they still reporting inaccurate information. I sent out a letter on XX/XX/21. 

These accounts are highly inaccurate that they want fixed and I want them deleted off my credit report : This account has no credit limit reporting and reporting the date of last payment wrong which is extending my statute of limitation and I want it to be deleted from my credit report for reporting inaccurate information. 
XXXX XXXX Account number- XXXX This account is reporting no credit limit and reporting the date of last activity and also extending the statute of limitation and I want it deleted from my credit report. 
XXXX XXXX  Account number- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 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 have submitted several request to Experian to correct the information that is displayed on my report. Experian is falsely and negatively reporting 2 loans with the same company for one vehicle. The reporting shows two different account numbers and status. This is nefarious and deceptive. This inaccurate reporting has caused me significant financial harm and is a violation of FCRA.

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 2021-09-30 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: FL

Complaint narrative:
I am, XXXX XXXX, and I am submitting this complaint myself and there is no third party involved. 

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Reason : FDCPA section 807 Violation misleading false reporting Company name : XXXX Account number : XXXX Reason : Late payments on a charge off account is a violation of the FCRA Law Company name : XXXX Account number : XXXX Reason : This account does not comply with the FCRA law such as having a past due amount monthly terms and different dates of last activity Company name : XXXX XXXX Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
On XX/XX/XXXX  I tried closing my Wells Fargo Credit Card Account. I was told I couldn't and new cards were issued and sent to addresses in XXXX, TX that do not belong to me. I called again on Friday, XX/XX/XXXX  and requested my credit card account be closed out. I was told it would take up to 24 hours to close the account but it would be closed. I also reported fraud issues still occurring and was given a case number. On Monday, XX/XX/XXXX more fraudulent charges had been made onto my credit card account. I spoke with a representative that told me an investigation was happening and that my credit card account had been closed. On Wednesday,  XX/XX/XXXX I received an email that another credit card was being sent to my address. I called Wells Fargo yet again on Thursday  XX/XX/2021 to close the account and report the fraudulent charges on it. I was told the account was closed by consumer on XX/XX/XXXX 
Wells Fargo is NOT closing this account as it has been requested multiple times in the past 2 weeks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-30 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: FL

Complaint narrative:
I ( a natural Person ) submitted a Letter of verification to Equifax on XX/XX/21 regarding an account they claimed they investigated and verified. A response was received from Equifax which then again stated that they verified the account but refused to provide information relevant to the dispute that was provided to them that verified the account. Per 15 U.S. Code 1681i ( a ) ( 2 ) ( b ) The consumer Reporting agency shall promptly provide to the person who provided information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). Equifax is currently infringing on my rights and if they were able to verify that account as valid i demand that they provide me with the information received to verify account. If information is not obtainable and not received within time frame of 15 U.S. Code 1681i ( A ) i demand that it be deleted from my profile. If this is not corrected i will be forced to move forward with action due to the amount of violations that Equifax is currently accrued

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 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: IL

Complaint narrative:
I have constant disputed with the company and even provided proof they refused to move incorrect information from 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 explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
On XX/XX/XXXX, I opened an account with TD Bank. I was enticed by their advertised promotion that offered {$300.00} for opening a checking account and having one direct deposit of at least {$2500.00}, and {$200.00} for also opening a savings account and depositing {$20000.00}. The terms stipulated this would be credited to my account after 140 days. 

After not receiving the bonus after 140 days, I followed up via TD 's online inbox system on XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX. I also exchanged several phone calls with TD, on XX/XX/XXXX, XX/XX/XXXX. 

They are denying the bonus because " the checking account does not qualify because the Customer earned a bonus on a previous account. Account xxxxxxxxxx earned a {$300.00} bonus on XX/XX/XXXX '' ; " A review of our records indicates that you have held checking /savings accounts with us in the past. Where this online promotion is for customers who are new to the bank, you would not be eligible to receive the benefit. '' The qualifications they are using are those as written *today* ( XXXX XXXX XXXX ), not at the time of account signup. The new terms state " Checking offer is not available to existing TD Bank checking Customers, prior Customers who have had a TD Bank personal checking relationship within the preceding 12 months or Customers who received a bonus on a previous checking account at any time. '' which I agree would in fact disqualify me. 

However, the terms of the promotion when I opened the account on XX/XX/XXXX specifically allowed for older customers to qualify, as long as they had not had an account in the prior 12 months. The exact language was " Checking offer is available to new personal checking Customers who do not have an existing or prior personal checking account at TD Bank within the preceding 12 months ''. I also confirmed this verbally ( that I would qualify ) with TD phone support on XX/XX/XXXX before opening the account. 

I've attached a copy of the XX/XX/XXXX terms. They can also be viewed on the Internet Archive which took a snapshot of the page on XX/XX/XXXX, XXXX which can be viewed here : XXXX XXXX XXXXXXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 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: DISCOVER BANK
State: NY

Complaint narrative:
please remove them : 1. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft DISCOVER FIN SVCS LLC Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 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: FL

Complaint narrative:
increase of XXXX on my card that i have already made payment, they decreased my fios score by 39 points, unbelieveable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
After Ally Financial Repossession $ XXXX Class Action Settlement I contact Ally Finance to get more information and to ask when they are going to remove this account from my credit report like is stated in the settlement. For my big sorprise even after this settlement and class action lawasuit Ally keept giving me fals, wrong and misleading information. 
First they told me they could not locate my person and their system and I need to contact XXXX XXXX  to get information, they transfer me to XXXX XXXX and get inform that I have no business with XXXX XXXX. I called Ally Financial back and from no where they locate me in their system.

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 2021-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
After XXXX XXXX could not verify this account on my credit report with VALID and SIGNATED documentations like SIGNED CONTRACTS OR AGREEEMENTS BETWEEN ME AND THEM and could not provide my person with the reciept that show for how much money they bough this account from XXXX XXXX  with all my personal and federal information, XXXX went ahead and delete this XXXX XXXX account from my credit report. XXXX was just trying to collect a sum of money I never own 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 2021-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I ( natural person ) recently obtained a copy of my consumer report and there is inaccurate information reporting to my consumer report. The original creditor is reporting inaccurate information on my consumer report. According to the FCRA 15 U.S.Code 1681 everything has to be reported accurately to a consumer report and the information that is reporting is not accurate. I am demanding it be deleted from my consumer report. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and I am demanding you to! I have attached where the creditor has my information inaccurate. I am the original creditor who provided credit according to 15 U.S.Code 1692a ( 4 ) so theres no need to validate this alleged debt, I am a consumer and a debt is obligated or alleged according to 18 U.S.Code 8. In order for something to be verified on my account it must be investigated according to 15 U.S.Code 1681a ( e ) and you failed to do that

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
Radius Global has been calling me multiple times in a day for the last 2 months, a lot of times they call at XXXX. I have asked them to please stop calling me, but they continue to call starting at XXXX. Also the debt incurred while a was laid off for over a year due to Covid. Also I have health insurance and my credit score went down 60 points because of this. They will not stop calling me. I have disputed several times with XXXX and it might be on my 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 2021-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
After XXXX XXXX could not verify this account on my credit report with VALID and SIGNATED documentations like SIGNED CONTRACTS OR AGREEEMENTS BETWEEN ME AND THEM and could not provide my person with the reciept that show for much they bough this account from XXXX XXXX  with all my personal and federal information, XXXX went ahead and delete this XXXX XXXX account from my credit report. SEE ATTACHMENT. XXXX was just trying to collect a sum of money I never own them.. I REQUEST XXXX AND EQUIFAX TO DELETE THIS ACCOUNT IMEDIATELY FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Open the account at suntrust bank on XX/XX/2021 with XXXX then my account was closed on XX/XX/2021 they refunded my 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 explanation