vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WAKEFIELD & ASSOCIATES, INC.
State: AL

Complaint narrative:
Hello, and I hope all is well. While reviewing the credit profile to XXXX/XXXX/XXXX, the number of uncertain tradelines continues to be placed when the debt is unknown to the credit profile. XXXX XXXX XXXX hired a third-party collection of Wakefield Associates to report items on the credit profile. Being ill during the time of treatments, if out of network required treatment, nothing presented or explained during the time of visit. 

Pre-Authorizations are required before the visit. If practices failed prior, as a consumer, my credit shouldn't be compromised. The continued actions have violated the Federal Credit Reporting Act. This is a violation of the law with continued failed practices, which decreases my credit score and creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ACIMA CREDIT, LLC
State: IN

Complaint narrative:
THIS ACCOUNT STATES IT WAS OPENED XX/XX/2019 I'M A TRUCK DRIVER AND WAS WORKIN ON THIS DATE. I NEVER SIGNED AN AGREEMENT OR GAVE THIS COMPANY CONSENT TO OPEN AN ACCOUNT IN MY NAME. THEY LET MY EX GIRLFRIEND FILL OUT PAPERWORK AND OPEN AN ACCOUNT USING MY INFO. IM SICK OF CALL AND DAMAGING FACTORS BEING REPORTED ON MY CREDIT. THIS COMPANY IS FRADUALENT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: NY

Complaint narrative:
I refinanced my VA mortgage with Freedom Mortgage. I was advised of closing in early XXXX so we halted on paying mortgage. I was advised we would not close until XXXX due to pandemic delays. I went on and made payment XX/XX/XXXX with a late fee, and received email notification of payment. I called Freedom XX/XX/XXXX as I did not see the payment withdrawn from my account. I was informed the payment was unsuccessful which is no fault of my own as I was never notified of this via phone or email. I ended up making a payment in the same phone call that day. I was told we would close in XXXX so I did not make payment for XXXX right away. As days went by I wanted to avoid another late fee so I made a payment XX/XX/2020 and received notification of payment, this time by mail. I was then informed later that same day that I was closing on my mortgage XX/XX/2020 and would not need to make a payment for XXXX which I had already done so. I received a letter in the mail dated XX/XX/2020, stating my XX/XX/XXXX payment did not go through. I did in fact close on XX/XX/2020. I then received a letter by mail dated XX/XX/2020 stating that Freedom did not get payment for XXXX and a late fee has been assessed to my account. After my closing, my credit score went from Excellent ( near 800 ) to Poor ( 620ish ). I contacted Freedom about this and was advised they made notes in their system and that I should contact the creditors. Upon dispute and resolution of this matter, my credit report shows no data available for XX/XX/2020 and also shows I am late 30 days in XX/XX/2020 which is not accurate information by any means, as I closed on XX/XX/XXXX. This is disappointing as I have refinanced twice now with Freedom. I have never missed a payment for anything in my entire credit history and this has severely impacted my ability to move forward with any sizeable financial purchases.

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 2020-11-17 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing because I do not recognize certain items on my credit report. The accounts are listed below. I have never done business with many of these companies, and dont understand how I would owe money or have anything that would appear on my credit report from them. I have filed and identity theft affidavits. By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. I do not have access to the documents related to these accounts, but the creditors would. Please note that for some of these, I believe that a relative that may have forged my name ( or used my personal information ) in order to take out these accounts without my knowledge, consent and permission.

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 2020-11-17 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: Synovus Bank
State: PA

Complaint narrative:
I found a ATM dispute on XX/XX/XXXX of 2020 it is now XX/XX/2020 I have not been issued a provisionary credit nor have I been accommodated under the Americans with Disabilities Act the customer service is terrible as long holds low resolution of problems I was charged a {$10.00} payment fee that was not disclosed to me I am requesting that {$10.00} be returned I also requested to have a payoff figure sent to my mail to pay off the account due to discrimination

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
From XXXX 2020, I filed a dispute with this credit bureaus about the inaccurately reported account : US BKPT CT XXXX XXXX. There are inconsistent reference numbers reporting on my credit report which is a violation of the FCRA. on XXXX  it says XXXX and on XXXX  and transunion it says XXXX. 
In over several months I have yet to be shown that the account is even under investigation and I have not received anything in response from these bureaus in these months. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about this inaccurate account as of today. 
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 2020-11-17 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
From XXXX 2020, I filed a dispute with this credit bureaus about the inaccurately reported account : US BKPT CT XXXX XXXX. There are inconsistent reference numbers reporting on my credit report which is a violation of the FCRA. on experian it says XXXX and on XXXX and XXXX it says XXXX. 
In over several months I have yet to be shown that the account is even under investigation and I have not received anything in response from these bureaus in these months. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about this inaccurate account as of today. 
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 2020-11-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: MO

Complaint narrative:
This is a formal complaint against Americollect and XXXX  that continues to report 2 different invalid and unverifiable accounts on my credit report. I have attached a recent copy of my credit report to this complaint. 

I mailed a certified written letter to XXXX  on XX/XX/XXXX and Americollect on XX/XX/XXXX requesting my right to dispute the validity of this debt, both have to date ignore my request. I haven't received any communication from Americollect that validates this debt and XXXX  continues to verify the account stating that Americollect has certified that the debt is valid. 

If this debt is valid, why haven't I received the proper documentation that proves I owe the amount reporting on my credit report. 

Furthermore, I contact XXXX  on XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX in an effort to have this unverifiable account remove, due to the FCRA stating that if this account can not be verified it must be removed. ( See attached certified receipts ) I understand that our economy is under a national pandemic and staff may be low, but after 5 months, I have no other choice to file a complaint against their negligence and unwillingness to properly investigate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XX/XX/2020, my Experian XXXX score reported that I currently have XXXX FICO score XXXX and XXXX FICO score XXXX. However, I applied to XXXX and XXXX XXXX due to my score that was displayed on the Experian website. I contacted both credit unions regarding my denial for the loan. The credit union stated that my score is showing a XXXX when my credit report if pulled.

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 2020-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am writing to delete the following information on my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make these charges. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal trade commission and I also have enclosed copies of the Federal Trade Commissions identity theft affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
I had a dispute with a business owner of XXXX XXXX XXXX, Venmo user @ XXXX, over goods sold on Venmo 's XXXX feature that were not as described. I filed a chargeback, Claim # XXXX, with XXXX XXXX and Venmo accepted the disputed amount on XX/XX/XXXX for {$3200.00} from three transactions that were disputed with @ XXXX. 

I received an Email from Venmo on XX/XX/XXXX stating that I owed {$3200.00} for a negative balance on my Venmo account, the reason being that my bank would not cover it, specifically that it was " Returned at XXXX XXXX 's request ''. I reached out on XX/XX/XXXX to Venmo customer service explaining that XXXX XXXX is not my bank and that the information in the E-mail is incorrect since the {$3200.00} was disputed not returned, and that Venmo did not deny the chargeback from XXXX  XXXX. 

I received a response from XXXX XXXX on XX/XX/XXXX that reiterated Venmo 's terms and conditions and said they could not do anything about the disputed amount, I would need to pay it to unfreeze my account. I received another e-mail from Venmo collections threatening to collect a debt for {$3200.00} on XX/XX/XXXX. 

My complaint is that Venmo user @ XXXX is equally responsible for the disputed amount for repeatedly violating Venmo 's terms, and that Venmo is not doing enough to prevent merchants from abusing payers through their platform. On the venmo site, it states that " If you accept a Venmo payment from someone for a good or service and we later review the payment, we may reverse the payment, meaning you could lose both the payment and the item sold. This review process may not occur until after you attempt to transfer the funds out of Venmo. '' However, based on my interactions with Venmo, money transfers are not being reversed while full responsibility is being placed on the payer, despite the payee 's equal involvement with the disputed amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I made a monthly credit card payment as I usually do on XX/XX/XXXX from my Bank of America checking account to my Bank of America credit card for {$5200.00}. On XX/XX/XXXX I noticed Bank of America had refunded this payment and my credit card balance was reset back higher by {$5200.00}. On XX/XX/XXXX I called the bank and notified them that this was not a payment refund I ( or any of my authorized users ) requested and that this was likely fraud. On XX/XX/XXXX I received a letter that Bank America had gone ahead with the refund anyway and they refunded the money to a bank account I had never heard of rather than the original payment source. Since then I have contacted Bank of America over 50 times, spoken to numerous groups and associates within the company, and been on hold for hours, reputedly transferred in circles, and getting hung up on on numerous occasions trying to get the right person to talk to in order to address the issue. No one wants to take accountability or help me get to the bottom of the issue despite this clearly being an error on Bank of America 's part. I have gotten no updates since on either the investigation or where the money went. It has now been 11 days since the fraudulent transaction was reported to the company and I am still missing the {$5200.00} Bank of America allowed to be stolen out of my account.

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 2020-11-17 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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On XXXX. XXXX, 2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, 2020, XXXX XXXX add a hard inquiry on my credit report per XXXX  and XXXX. 
On XXXX XXXX, 2020, WF CRD SVC add a hard inquiry on my credit report per XXXX  and 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 2020-11-17 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: OneMain Finance Corporation
State: PA

Complaint narrative:
On XXXX. XXXX, 2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, 2020, ONEMAIN FINANCIAL add a hard inquiry on my credit report per XXXX and XXXX. 
On XXXX XXXX, 2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing because I do not recognize certain items on my credit report. The accounts are listed below. I have never done business with many of these companies, and dont understand how I would owe money or have anything that would appear on my credit report from them. I have filed and identity theft affidavits. By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. I do not have access to the documents related to these accounts, but the creditors would. Please note that for some of these, I believe that a relative that may have forged my name ( or used my personal information ) in order to take out these accounts without my knowledge, consent and permission.

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 2020-11-17 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: FL

Complaint narrative:
I am writing because I do not recognize certain items on my credit report. The accounts are listed below. I have never done business with many of these companies, and dont understand how I would owe money or have anything that would appear on my credit report from them. I have filed and identity theft affidavits. By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. I do not have access to the documents related to these accounts, but the creditors would. Please note that for some of these, I believe that a relative that may have forged my name ( or used my personal information ) in order to take out these accounts without my knowledge, consent and permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
I paid my balance in FULL on XX/XX/2020, and they did not credit my account until XX/XX/XXXX. The bill was due on XX/XX/XXXX, a holiday. 

I have a ten year history with this company of making on time payments. That means that 120 Payments were made, and they were never late. 

I made the payment in FULL in anticipation of having XXXX on XX/XX/2020, KNOWING I WOULDN'T be dealing with financial issues. 

Because of the vendor mis-crediting my payment as late, they charged me a {$40.00} late fee on a {$0.00} balance. 

As stated, I had XXXX in late XXXX and did not receive my mail, including this {$40.00} late fee. 
Vendor acknowledges that based upon my history they WOULD refund this fee. 

HOWEVER, I did not contact them, until the following month, at which point, they charged me a second {$40.00} PLUS INTEREST, on a {$0.00} balance. 

After spending an hour and a half on the phone, vendor REFUSED to reverse all charges, and holding me XXXX for the {$40.00} payment, saying they would reverse the one if only i paid the second by providing my bank account information. 

I explained that if the ORIGINAL {$40.00} late fee was reversed, there would be no cause for the others, as the balance on my account was XXXX. 

Again, after speaking to several people, including someone who claimed to be a supervisor, they refused to help me. 

At present, they continue to attack my credit, and have racked up additional LATE FEES and interest on a XXXX DOLLAR BALANCE. They are now claiming that I owe them {$140.00} due XX/XX/2020. Starting with NO BALANCE, they have progressively continued charging me more and more each month.

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 2020-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: NJ

Complaint narrative:
This is a continual problem with mail fraud and false claims of receipt and/or sending of mail and notices. In the past I have been abused by this bank claiming they mailed me a notice which we never received so they could falsely bill my account for late charges! - This time not posting promptly my payment to avoid crediting. 

I mailed a check # XXXX to US Bank on XX/XX/2020 in the amount of {$630.00}. As of today, XX/XX/2020 I have yet to be credited of this payment to my principal. There has been a ongoing pattern of deceit and communication fraud. 
They have done this repeatedly to me on previous occasions by claiming they notified me about changes that were never received. 
Now, on the other hand, 10 days later my check has not been credited.

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 2020-11-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I have been trying to speak with TD Bank agent to pay off a HELOC. I can not get a live person or agent to work wtih to execute the payoff. I called several 1800 # s and never get an agent- even waiting 45 minutes plus routinely within one day. I called a local branch for service and was advised the only way I can payoff the loan is using the 1800 customer service phone numbers. 

TD Bank XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-17 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
On XXXX XXXX, 2020, SYNCB/PAYPAL add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, 2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX  and XXXX. 
On XXXX XXXX, 2020, SYNCB/PAYPAL add a hard inquiry on my credit report per 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