vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-20 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: American Credit Acceptance, LLC
State: TX

Complaint narrative:
I have been disputing the late payments showing on my account for American Credit Accept which was already fully paid years ago. They are reporting in my account as 60 days late however this account has already been paid and it is closed therefore it should not be reporting as late.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
Specialized Loan Servicing made a billing error on my first statement after they purchased my loan from XXXX, and in their error, they are charging me {$670.00} in late fees, on an account that has never been late. I tried to call customer service, as well as fax my request with copies of my previous mortgage statement that shows the account was paid up to date, and the company did not resolve the issue, multiple customer service agents said they would look into the issue and contact me back, they never did. After multiple attempts at phone calls, messages, and faxes, one of the customer service team members lets me know that unless my request is mailed to a XXXX XXXX they completely ignore it. If the request is not mailed to the XXXX XXXX within XXXX days, the fee becomes valid, even though they charged it in error. I have now mailed the request with all supporting documentation to the XXXX XXXX they have, and I am working through the process of correcting this issue with them. I am filing a complaint because their process is incredibly difficult for a consumer to follow in order to notify them of their own billing problems. The po box address is hidden in " fine print '' on the statement and is not easily accessible through regular view in their website.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
my card was charged and NFCU refused to help with the fraud charges

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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: CT

Complaint narrative:
Hello. I received an alert stating that a collection account was added to my credit report on all 3 credit bureaus. This collection does not belong to me at all since I`ve never had an XXXX account in my name. I`ve filed a dispute with the credit bureaus and XXXX and XXXX have removed the collection account as of today ( XX/XX/22 ). Equifax is stating that they verified the information as correct which is not accurate at all. How can they verify the account if it is not mine? I need this account removed immediately from my Equifax credit report. I`ve attached several supporting documents for your reference. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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: IL

Complaint narrative:
On XXXX, I sent a letter regarding inaccurate and unknown items on my credit report. To this day over 60 days later, I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FRCA Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason for immediate removal of these items from my credit report. It has been over 60 days, and I demand these items be deleted promptly or I will file litigation for my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
This submission is NOT from a third party. I XXXX XXXX the natural person and consumer sent a letter to EXPERIAN On XXXX once again informing them they were reporting misleading fraudulent accounts on my consumer report. They received it on XXXX & have 7 days upon receipt to send me my deletion request.

Pursuant to 15 USC 1681a ( 4 ), EXPERIAN is currently in VIOLATION as a consumer reporting agency for not exercising their grave responsibilities of reporting information with fairness, impartiality, and a respect for consumer privacy. They lack impartiality & fairness by continuing to report DISPUTED transactions on my consumer report. The violation continues by not respecting my right to privacy as a consumer by reporting information solely as to transactions/experiences involved by the person creating the report and I the consumer as stated in 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ).

In conclusion Pursuant to 15 USC 1681a ( d ) ( 2 ) ( B ) Consumer reports EXCLUDE any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. I didnt give anyone authorization to furnish a report on me involving the extensions of credit Im disputing.

I dont consent to the fraud taken place. Im being violated and my rights as a federally protected consumer are being taken advantage of.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: KY

Complaint narrative:
My father whom I share the same name with has stolen my identity and was been opening up numerous account of various types over the last several years. I have filed countless police reports, however the problem continues because I do not know where he is located. All I know is that he lives somewhere in Florida. 

Midland Credit Management has sent me some very threatening letters and voicemails in regards to suing me for accounts that are not mine. There are five account with different amounts, which include : XXXX XXXX  for the amount of {$370.00} XXXX XXXX for the amount of {$650.00} XXXX XXXX  for the amount of {$660.00} XXXX XXXX for the amount of {$9900.00} XXXX  for the amount of {$1100.00} The original creditor for the above mentioned accounts is XXXX XXXX. I have reached out to them numerous times to let them know that this matter is identity theft, however they do not believe me and sent these fraudulent accounts to collections with Midland Credit Management.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-20 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: Westlake Services, LLC
State: TX

Complaint narrative:
I have been disputing the late payments showing on my account for Westlake Service Inc which was already fully paid years ago. They are reporting in my account as 60 days late however this account has already been paid and it is closed therefore it should not be reporting as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XX/XX/XXXX at XXXX, I received a text message from XXXX stating they were Wells Fargo Security asking " Did you use your debit card ending in XXXX at : XXXX XXXX, {$10.00} Declined, XX/XX/XXXX XXXX XXXX XXXX XXXX  {$15.00} Approved, XX/XX/XXXX XXXX PAYMENT, {$3500.00} Approved, XX/XX/XXXX If you recognize this activity, reply YES If not, reply NO STOP to end text I then replied NO and immediately received a call from XXXX at XXXX from a customer service representative stating she was with Wells Fargo security . Asking me if I made these transaction and I then proceeded to tell her NO. She said she would cancel my debit card immediately and issue me a refund of the XXXX XXXX XXXX XXXX charge. She then said the XXXX PAYMENT XXXX was approved but had not gone through yet and that I needed to reverse the transaction by sending the money back to myself. She sent me a text message from the Wells Fargo number ( XXXX ) at XXXX XXXX with a 6 digit code that I usually receive text messages from Wells Fargo and instructed me to login and give her the 6 digit code. She then told me that the XXXX payment was going to someone named XXXX XXXX and asked did I know them. I stated NO. She said that I'd need to login to XXXX and change my phone number back over to my name and send the money back to myself in which I did. She said to give it 15 minutes and I should see the charge made to my account I did not so I called Wells Fargo back immediately ( XXXX ). They then told me that that wasn't them and that that was a scam and that somehow their number was hijacked. They immediately deactivated my card and filed two claims 1 ) for the approved amount of XXXX at XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX and 2 ) for the fraudulent XXXX transaction of XXXX. The XXXX was refunded but they denied the fraudulent XXXX transaction of XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I am requesting your help with what started as a small problem, but has ballooned into a bigger issue because of the continued incompetence of Barclays and its employees.

Years ago I had a Barclays credit card. I had asked for the account to be closed approximately 3 years ago, have not received statements since XX/XX/XXXX, and I no longer have the actual card. 

On XX/XX/XXXX at XXXX XX/XX/XXXX I received an email statement with a {$28.00} balance. This email referenced an account ending in XXXX. I do not have a card, so this is the only reference number I have. I knew this was a mistake, so I called and requested it be rectified. Not only did your company allow a charge to be made on a closed account, the charge appears to be from XXXX XXXX, which is a campground we have not been to in years ( I estimate 5 years ). I told the customer service representative that the charge must be fraudulent. I was given a case # ( XXXX ) told it would be taken care of and I would hear back in 7-10 days. I did not hear back. 

On XX/XX/XXXX, I received an email statement with a {$48.00} balance. I called and was told you added a late charge. I was told the late charge would be removed, the initial charge was being researched and I would hear back in 7-10 days. No call back. 

On XX/XX/XXXX, I received an email statement with a {$64.00} balance. I called and spoke with many people. The last person I spoke with said she was a manager. She said it had been taken care of, and when I voiced concern about my perfect credit being damaged, she said she would send a XXXX balance letter. 

The letter arrived showing a balance of {$64.00}. That same day I checked my credit, and my credit score dropped XXXX points. I have NEVER HAD A LATE PAYMENT. 

This is completely unacceptable. I have reached out to XXXX XXXX by email and they confirmed they have not recently charged my card, since we have not stayed there in years. I have included that email for your reference. 

The {$28.00} would have been no issue to pay. The issue is that this charge is not justified, the account has been closed since XXXX, and this should have been taken care of with my initial call in XXXX. 

This has not only been marked with incompetence, but the hours I have spent on the phone repeatedly telling this story and not getting a resolution have been unacceptable. I have been treated with disrespect and patronized by Barclays employees ( especially in the fraud department ).

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 2022-01-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
Ive asked CONVERGENT OUTSOURCING multiple times from XX/XX/XXXX to present to send proof that their the original creditor. Theyre violating my consumer rights reporting inaccurate information pursuant to 15 usc 1981 ( a ). Pursuant to 15 usc 1692 ( a ), 15 USC 1692e misleading representations, 15 USC 1692j - false & deceptive. CONVERGENT OUTSOURCING does not answer the phone.

Pursuant to 15 USC 1981 XXXX is reporting the last date active on XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. VIOLATION 15 USC 1692 ( c ) ( a ) ( 3 ).

FURNISHING A DECEPTIVE FORM TO MAKE THE CONSUMER BELIEVE THEY OWE A DEBT 15 USC 1692J

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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: FL

Complaint narrative:
I receivved a copy of my credit report and it listed a lot of incorrect information on the report. 

1. Listed if a credit card account by XXXX XXXX XXXX XXXX 

I disputed this because the information was incorrect, they have late payments on the account to which is incorrect. The balance is also incorrect. 

I was able to get a letter from the company that states the information was report to due to an error, and the information needs to be reflected as such. 

I also disputed address that I am not associated with and or never lived there. The information was not removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XXXX2021, I sent a letter regarding inaccurate and unknown items on my credit report. To this day over 60 days later, I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FRCA Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason for immediate removal of these items from my credit report. It has been over 60 days, and I demand these items be deleted promptly or I will file litigation for my grievances.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-20 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX2021, I sent a letter regarding inaccurate and unknown items on my credit report. To this day over 60 days later, I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FRCA Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason for immediate removal of these items from my credit report. It has been over 60 days, and I demand these items be deleted promptly or I will file litigation for my grievances.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I have disputed a negative account on my credit report from LVNV Funding and they have yet to verify and validate the information they have listed. I have never had an account with LVNV Funding and this is hindering me from obtaining credit from other lenders. I have sent a certified letter # XXXX to LVNV Finding on XX/XX/31 detailing the inaccurate information and they refuse to delete this from my credit report. I have also sent another certified letter # XXXX to XXXX and they have not verified the debt. Persuant to the FCRA and FAIR DEBT PRACTICE they are required to verify and validate the debt which they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: CT

Complaint narrative:
I used a 0 % promo check to transfer a balance from a XXXX XXXX over to my JetBlue card by Barclays. When I received the new statement with the transferred balance, the interest rate was 24 % and a transaction fee. I was aware of the fee but not the rate. I continue to receive 0 % checks from JetBlue/Barclays almost every month, so I would like that promo applied to my balance.

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 2022-01-20 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: AZ

Complaint narrative:
I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CAPITAL ONE. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: FL

Complaint narrative:
I tried to withdrawal approximately {$4300.00} usd on XX/XX/XXXX. After reaching out to determine why I am unable to, I was advised that fraudulent activity took place on my account. I was unaware of this and have yet to see any proof that there was fraudulent activity. The only digital currency I currently hold is shiba. Crypto.com stated that there was a {$3500.00} transaction for eth. There are no eth funds in my accounts. Crypto.com is restricting me from accessing any of my funds. Even those that exceed the amount of {$3500.00}. I am requesting that this be further investigated. I have offered to supply statements showing that I did not make that transaction and do not feel it is legal for them to hold additional funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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 receivved a copy of my credit report and it listed a lot of incorrect information on the report. 

1. Listed if a credit card account by XXXX XXXX XXXX XXXX 

I disputed this because the information was incorrect, they have late payments on the account to which is incorrect. The balance is also incorrect. 

I was able to get a letter from the company that states the information was report to due to an error, and the information needs to be reflected as such. 

I also disputed address that I am not associated with and or never lived there. The information was not removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: MD

Complaint narrative:
I purchased a XXXX XXXX in XXXX of XXXX at the total of {$7100.00} with a down payment of {$4000.00} and a monthly car note of {$250.00}. 

However, today they told me my payoff amount is that of {$6700.00}!!!!! This should not be the case for a car I put down half leaving me with a total of {$3100.00} to pay. 

The car didn't pass inspection and I had to come out of pocket with an additional {$2000.00} to pass Maryland inspection. XXXX sold me a Lemon!!! 

I've been calling this company all morning to retrieve my account number and every time I call they send me to a survey line.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
Hi on XX/XX/21 I sent a XXXX payment to my bank account that was closed. I contacted PNC and they said the funds have been rejected. I contacted XXXX and they said the funds have been accepted. So for the past month I have been trying to get my money back to no avail. Then this monday the I thought I cashed out to my XXXX account but it did the same thing. So now I have XXXX $ just sitting in limbo. XXXX or PNC are being absolutly bo help and it is getting furstrating. I have provided proof of the rejections and have contacted cashapp over a dozen times.

Company response to consumer: Closed with monetary relief