vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-17 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: AR

Complaint narrative:
Its been several months now I have been in consistent contact with Equifax consumer reporting agency in regards to fraudulent accounts appearing on my credit file due to identity theft. In addition to my disputes, I have sent an identity theft report from the Federal Trade Commission which included some of the fraudulent accounts and addresses being reported on my credit file. Since I have yet to received any correspondence or original documentation obligating me to any of the fraudulent accounts in question from Equifax. Equifax has failed to provide 100 % accurate verification as per the Fair Credit Reporting Act sections 605b, 609, and 611. Equifax has also failed to provide a block after being notified within 4 business days by a consumer from being a victim of identity theft. As a  consumer my rights have an continued to be violated and Equifax should be held accountability. Equifax has not provided as per the Fair The Credit Report and reasonable and fair investigation within 30 days. This is totally unacceptable and is currently having a negative impact on my financial situation. I recently have been denied credit due these inaccuracies and Equifax is liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
My Regulation E claim regarding XXXX debited from my account from XXXX XXXX on XX/XX/2019 was denied. This was a nearly XXXX dollar charge that was not flagged by the TD Bank Fraud department. I live in a large apartment building with hundreds of other residents so my address is not unique, despite the fact that my address was used as evidence to deny my claim. 

TD Bank claims that they were unable to contact me ; however I called back the contact person at TD Bank on four separate occasions and never heard back. 

In addition to all of this, I received a letter stating that my temporary credit would be final and the claim was ruled in my favor. This is a clear case of corporate greed where a consumer is being taken advantage of by a large bank. In the future I will take my concerns public with social media so that other consumers do not fall victim to this mistreatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have disputed XXXX XXXX  several times and it comes back verified. How can it comes back verified when it's reporting different information on all bureaus? Highest balance is different along with last payment. This is a violation of my rights.

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 2020-03-17 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Experian did not bother to review what I submitted supporting that the new posting from credence resource management is another post for the sale to another company/reaging of the debit I had previously disputed that was shown under XXXX XXXX. Experian dispute results says XXXX certified to them the information reported is accurate which shows account opened date XXXX of this year.

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 2020-03-17 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: AR

Complaint narrative:
Its been several months now I have been in consistent contact with Transunion consumer reporting agency in regards to fraudulent accounts appearing on my credit file due to identity theft. In addition to my disputes, I have sent an identity theft report from the Federal Trade Commission which included some of the fraudulent accounts and addresses being reported on my credit file. Since I have yet to received any correspondence or original documentation obligating me to any of the fraudulent accounts in question from Transunion. Transunion has failed to provide 100 % accurate verification as per the Fair Credit Reporting Act sections 605b, 609, and 611. Transunion has also failed to provide a block after being notified within 4 business days by a consumer from being a victim of identity theft. As a consumer my rights have an continued to be violated and Transunion should be held accountability. Transunion has not provided as per the Fair The Credit Report and reasonable and fair investigation within 30 days. This is totally unacceptable and is currently having a negative impact on my financial situation. I recently have been denied credit due these inaccuracies and Transunion is liable.

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 2020-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION
State: MO

Complaint narrative:
Last year in XXXX or XXXX, I took a vacation to XXXX XXXX. While there, my debit card was compromised around {$1700.00}. I contacted the bank as soon as i was aware, made a claim, and they then stopped and issued me a new debit card. After months of trying to get my money back, the bank denied the claim stating that it could not have been fraud use because the card was swiped and the chip ( and/or ), my PIN number was used. The transactions that were placed were no where near XXXX where I was staying, and yet, they still denied the claim. Last week, I noticed where some travel agency ( appears to be the same people that committed the fraud last year did it once again, but this time only charged my debit card {$99.00} 2 times. I was told I would receive an email and a phone about my claim and complaint about last years claim as well as the current one, and I still have not received either. This is only 4th fraud claim in 10 years, and they have denied everyone of them. I tired pulling my money out of my account in order to open a new account with a different bank, but was told I was not allowed until the claim has been fully investigated and the claims department has made a claims decision.

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 2020-03-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: STERLING JEWELERS, INC.
State: FL

Complaint narrative:
I purchased a ring in kay jewelers in XXXX  all around XX/XX/XXXX for a XXXX  present. The ring fit big and my husband decided that he wanted to return it. On XX/XX/2019 I physically went to the store and return the ring. At first they stated that they would return the amount to my credit card account with commenity. After a month I got a bill from genesis for {$800.00} ( amount paid for ring ) I immediately called kay and they said that they issue me a refund for it. I checked my comenity account and I had a positive balance on mu favor for {$800.00}. Since then, mid XXXX, I have been calling kay to tell them they credited the wrong account/company and they said I have to contact comenity. I contacted comenity and they stated they could see the positive balance on my favor and they would send me a wire transfer and I gave them my bank info and they gave me a confirmation number. After few days I called comenity again and then they said they do not do wire transfers anymore but they will send me a check for the {$800.00} balance in my favor. Here we are middle XXXX and still have not received a check and the other company, genesis, it is still charging me, I have not paid because I have not received the money from comenity, for it and treating me to report negative info to my credit report. When I have called comenity I always get the same answer that I will get check in the mail but have not get anything yet. I have spoken to at least 7 people including three supervisors. Please assist me with my issue I am desperate and not sure what else to do.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
TransUnion smartmove is reporting an eviction I was never evicted from XXXX XXXX and called TransUnion on XX/XX/XXXX and was told it will be removed and today I am being left homes less with children because of this matter its Im correct and want it deleted or I will contact my attorney

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 2020-03-17 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: TIDEWATER FINANCE COMPANY, INC.
State: VA

Complaint narrative:
I have disputed tidewater financial several times and it comes back verified. How can it comes back verified when it's reporting different information on all bureaus? Highest balance is different along with last payment. This is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 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: VA

Complaint narrative:
I have disputed XXXX XXXX several times and it comes back verified. How can it comes back verified when it's reporting different information on all bureaus? Highest balance is different along with last payment. This is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
Its been several months now I have been in consistent contact with Experian consumer reporting agency in regards to fraudulent accounts appearing on my credit file due to identity theft. In addition to my disputes, I have sent an identity theft report from the Federal Trade Commission which included some of the fraudulent accounts and addresses being reported on my credit file. Since I have yet to received any correspondence or original documentation obligating me to any of the fraudulent accounts in question from Experian. Experian has failed to provide 100 % accurate verification as per the Fair Credit Reporting Act sections 605b, 609, and 611. Experian has also failed to provide a block after being notified within 4 business days by a consumer from being a victim of identity theft. As a consumer my rights have an continued to be violated and Experian should be held accountability. Experian has not provided as per the Fair The Credit Report and reasonable and fair investigation within 30 days. This is totally unacceptable and is currently having a negative impact on my financial situation. I recently have been denied credit due these inaccuracies and Experian is liable.

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 2020-03-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: MRS BPO, LLC
State: MO

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L  Conventions. 

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2020, I received an alert from Equifax regarding an new address added to my credit report, which does not belong to me. I have not applied for any credit or my creditors have this address. I have tried to dispute this address but Equifax sill has this address on my credit report as mixed. The said they have deleted this information form my credit report but still not showing correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Hello, CFPB. I am writing to you today to report multiple violations to the Fair Credit Reporting Act committed by Wells Fargo. My account information is the following : Wells Fargo Home Mortgage account # XXXX, opened : XX/XX/2017, original balance {$380000.00}. 

Wells Fargo is reporting a late payment on this account. This is a BANK ERROR. I made my payment on time and now they are stating that my payment was applied to another account that does not exist. They were unable to explain the reason why I have 2 profiles on their system. Also, they did not update my personal information ( phone number ), stating that they were not able to do it by phone. 

This company is being negligent an unfair by reporting a late payment on my account that shouldt be there. They are being NEGLIGENT, UNFAIR, they have failed to conduct a reasonable investigation on my account. 

This issue is highly affecting my health, and my score cant go up because of their error! I've lost, and several lines of credit I've been turned down for because of this issue. 

Please send the attached documents to Wells Fargo.

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 2020-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Washington Collectors Tri Cities Inc
State: WA

Complaint narrative:
RECEIVED A NOTICE FROM WA COLLECTORS VIA MAIL XXXX, STATING I OWE XXXX PER OVERDUE BILL CITY OF XXXX. I tried to call WA COLLECTORS but they would not give me any information unless I gave them my date of birth. I would not do so. I offered to give the the code number from the top of the letter I received but they demanded my DOB and would not respond further without this. I called next to the CITY OF XXXX. They told me that several bills had been sent in the name of XXXX XXXX to an address listed as XXXX XXXX, XXXX WA. I explained I was not XXXX XXXX and that I could not have received the notice that was sent to a place that I do not live at and have never lived at. Also, why are they sending me to a collection business when my name is not even on the bill. They would not respond to my questions and abruptly stated that " this was out of their hands now that it had been sent to collections and I would need to talk to the Collection agency. 

This is the 2nd time I have encountered a collection notice from this agency that is incorrect and due to this agency not correctly verifying information on the debt before sending me a notice that I owed money. The first time they did so the AG office in WA state contacted them and investigated, resulting in this agency responding that it was in error.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 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: Kriya Capital, LLC
State: VA

Complaint narrative:
XXXX  did not bother to review what I submitted supporting that the new posting from credence resource management is another post for the sale to another company/reaging of the debit I had previously disputed that was shown under XXXX XXXX. XXXX  dispute results says Credence certified to them the information reported is accurate which shows account opened date XXXX of this year.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
On XX/XX/2020. I called Equifax to asked them why the XXXX 's account was closed on my credit report and had a comment that stated, " Account paid after foreclosure started '' on the account. When the customer service asked me where I pulled the credit report from and I told her from Equifax.com, and I am a Equifax Complete member. The representative stated to me that she doesn't see that the account is closed and it open on her end with no comments. Equifax customer service asked me to call XXXX 's to asked them about the account. I called XXXX 's and they told me that my account is in good standing with a {$0.00} balance. So I called Equifax over the course of three time in the week beginning XX/XX/2020 with no resolution to my problem. XXXX 's said that they will file a dispute but I told them that I do want them to file a dispute, because I will be applying for a mortgage soon. I feel like this something that should be settled quickly and it should not take 30 days to do so. This is Equifax mistake and they need to take ownership of it and correct the problem. This is only showing up on my credit report through Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital one showing false account after bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo is charging me NSF fees days after an em has cleared my account. They are saying that my account was negative when in fact it was not. I have been charged with {$35.00} nsf fees each time. Items have been returned causing me to lose money or to pay double. I just recent had {$35.00} deducted from my account and have not received a response in over a week. This is an ongoing 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 monetary relief