vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I have spent hours on the phone with useless Wells Fargo representatives, asked my son to get involved and visit branches across the country for me, submitted a formal CFPB complaint, so on and so forth. And somehow, Wells Fargo still does not get it. 

Here is a quick summary of events for you : 1. I had a credit card account with XXXX XXXX  at the end of XXXX. It was in good status with a XXXX balance. It had autopay setup and online statements. \n 2. Wells Fargo then purchased the account and in doing so deprived me of online access to the account in early XXXX. They sent me a new card. I put it in my wallet. \n XXXX. Shortly thereafter, I had a house fire and was displaced. I grabbed my cats, my wallet, and a basket of clothes and thats pretty much all I have now. \nMy entire life has been turned upside down during this entire dispute. I am *STILL* effectively homeless today, XX/XX/XXXX. I am still living in a temporary accommodation. I still do not have regular access to my mail, which is being sent to my son 's house halfway across the country where it piles up because there is nowhere else to send it. I have very irregular access to any written communication. \n 4. I have consistently asked Wells Fargo, for months, to allow me so sign up for online access to view my account so I can review my statements. I dont get them in the mail because I have no current address. They have categorically refused to do so and still have not solved the one thing I need : online access to see my XXXX bill. They have refused to update the phone numbers on the account when asked multiple times in hours and hours of tortured phone calls. They have demanded I visit a branch to prove my identity ( there are no Wells Fargo branches in Ohio, where I live )- I dont know what there is to say at this point. I give up. \n XXXX. I submitted a CFPB complaint after months of begging XXXX  Wells Fargo representatives to let me see my bill and enroll in online banking. I was expecting that someone with one ounce of common sense and decency might read the complaint, review the situation, and let me finally access my account. Instead, I get a letter like this blaming me for not trying hard enough to get through Wells Fargos INCOMPETENT staff while I am displaced from the fire. 

I dont know what to say at this point except I am not paying a bunch of bs fees for a problem Wells Fargo has caused ( stopping my autopay, refusing to allow me to set it up again, refusing to let me see my bills ) in the first place and refused to let me address despite multiple attempts over several months. Good riddance. Wells Fargo is a criminal bank and should be shut down. 

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 monetary relief
Consumer complaint received 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I am requesting that it will be removed from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to address the presence of inaccurately reported fraudulent accounts on my credit report and to request their immediate and aggressive removal. I have been the victim of identity theft, and it is perplexing why the other credit bureaus have promptly responded to my requests while yours seems to be unresponsive. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-02-06 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to address the presence of inaccurately reported fraudulent accounts on my credit report and to request their immediate and aggressive removal. I have been the victim of identity theft, and it is perplexing why the other credit bureaus have promptly responded to my requests while yours seems to be unresponsive. XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I directly disputed this loan with the furnisher. I pointed out many discrepancies and I was never contacted to discuss them within the 30days. My biggest issue was the XXXX separate payments classified as cbp that were entered at the end of the month and then a few days after the first of the following months the payments were removed. Thankfully I have had enough accounts payable and receivable experience to notice and my suspicion was confirmed by a coworker of the lead collector. He stated that the lead collector did that as a favor for me. I never would ask this favor. Her favor at the time put me so far behind that my vehicle was repossessed. I have submitted this information to the CRAs and it was removed but has reappeared recently. Does this happen more frequently because nobody seems to think its not an issue? I didnt ask this woman to do me any favors and the damage that she did then and continues to do has made my credit score drop over XXXX points. Am I wrong to think she obviously played with my account for her benefit? What I do know is that I have never heard of this happening and it being ok. I also know that this is fraud on a higher level because it was done by a bank employee and someone we believe to be honest and abide by the rules.

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 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
credit inquiries that i did not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/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 non-monetary relief
Consumer complaint received 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXXcalling and Harrassing me over a charge off loan they have wriiten off and still have the amount of my credit 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 non-monetary relief
Consumer complaint received 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXXcalling and Harrassing me over a charge off loan they have wriiten off and still have the amount of my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 00:00:00
Product: Credit reporting 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: CA

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize

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 2024-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: OR

Complaint narrative:
The debt collector as continue to violate continuously my rights and has avoided at all causes to answer and provide all the information requested to deem the debt valid or invalid. I invoke the arbitration clause within the alleged agreement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 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: BARCLAYS BANK DELAWARE
State: VT

Complaint narrative:
" XXXX XXXX '' called from XXXX, VT from the number XXXX telling me " a scheduled delivery of service for tracking number XXXX XXXX you can expect my arrival today between XXXX and XXXX to the XXXX XXXX address to obtain signature on the documents. If you or your representing attorney do have any questions, or need to reschedule, contact the filing firm directly at XXXX '' I called back to the original number ( XXXX ) and she asked for the tracking number and then transferred me to a man. This man went through telling me that a civil lawsuit would be brought against me and the delivery is the serving of the papers indicating this lawsuit against me. He told me it was in regards to a US Airways Mastercard i had over 10 years ago and that I owed about $ XXXX and I had refused to make payments or to make contact with the credit company. He asked for my email to send a document ( which I still have not opened ) in which I could enter my information and " update my payment information '', and if I sent this back to them signed by the end of the work day, they would accept payment of only 50 % of what I originally owed ( about $ XXXX ). However, he said, if I did not complete this while on the phone with him, the civil lawsuit against me would go through and I would be taken to court. The email they sent the document from is XXXX XXXX XXXX I hung up on him after he sent the email. I have taken no action with them other than writing this complaint. I do not remember the name he gave me for his name nor the name of the arbitration company he claimed to be from. It was something with HR... 
He did know my current and most recent address, and he read my social security number to me without me offering any information to him. They clearly have too much of my information, so I'm concerned about identity theft now as well. 
Thank you

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 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The credit bureau is not complying with the law by failing to delete the late date of a disputed item involving XXXX XXXX, despite my repeated attempts to resolve the issue. This non-compliance with the FCRA necessitates the complete removal of the late dates from my credit file.

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 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXXcalling and Harrassing me over a charge off loan they have wriiten off and still have the amount of my credit 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 2024-02-06 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
I am writing to file a formal complaint against Comenity Bank, the issuer of my XXXX XXXX  credit card, regarding an issue with the application of my recent payment and the subsequent denial of a refund for an unjustified fee. 

On XX/XX/2024, I made a {$200.00} payment towards my XXXX XXXX credit card through the Comenity website. This payment was intended to cover my XXXX statement, but due to the same-day posting and the statement cut-off, it was mistakenly applied as additional principal for XXXX. Consequently, I received a late notice on XX/XX/2024, indicating a failure to make the XXXX payment. 

Upon discovering the error, I promptly contacted Comenity customer service on the same day at XXXX XXXX XXXX. The initial customer service representative acknowledged the misapplication of my payment and assured me that it could be rectified. Unfortunately, the call terminated during the transfer to another agent. Despite this setback, I called back at XXXX XXXX  and spoke with a different representative who confirmed the payment history, acknowledged the lack of notification on the website about the payment cycle, but stated that a refund was not possible due to their relationship with the merchantXXXX XXXX XXXX 

Furthermore, I spoke with a Senior Customer Service representative who, while acknowledging my excellent payment history, claimed that the fault lay with me for not knowing the statement cut-off dates. Despite my arguments and pointing out the lack of notification on the website during payment initiation, he refused to refund the {$30.00} fee. 

My research has revealed two critical points : 1. The company policy, as outlined in the monthly statement, explicitly states that they can refund fees. 
2. Attached are transaction views from both my PC and XXXX  device, illustrating how Comenity Bank charges interest and accepts payments at the end of each payment cycle. The payment in question, similar to others, shows the collection of interest, application of my {$200.00} payment, but inexplicably includes a {$30.00} fee. 

In light of these findings, I am formally requesting the Consumer Financial Protection Bureau 's intervention to address this matter. I kindly request a thorough investigation into the unjust application of my payment and the refusal to refund the {$30.00} fee, as it contradicts the company 's stated policy. 

I appreciate your prompt attention to this matter and trust that the Consumer Financial Protection Bureau will ensure a fair resolution in accordance with established regulations.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Credit reporting 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I discovered unauthorized inquiries on my credit report, which I just obtained in copy form. My chances of obtaining new credit have been harmed by this. I request that you take the following inquiries down right away. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: OR

Complaint narrative:
I have requested the debt collector to provide the information so that I can qualify of this debt is valid or invalid. They did not answer my original request and continue reporting on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation