vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-03-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: PR

Complaint narrative:
Both my stident loans were always on forbancr..i was not supposed make any payments for i had no incone XXXX. 

In XXXX and XXXX additionally puerto rico wa hit by 4 hurrixanes. XXXX. We were declared disaster zone by the US president. 

The late payments they repirted on my account are wrong. I want them erased. They are harming my crexit score. 

There was no liability to pay at that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Recovery Systems, Ltd
State: TN

Complaint narrative:
I noticed a new account on my credit report on XX/XX/2022 by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX. They have not communicated with me at all about the biller of the account. I strive to pay bills on time and I'm concerned about this charge that caused over a XXXX pt drop on my score. I do not have any bills or any documents in regards to the account or what's owed. I resolved a similar issue like this approximately 1-2 years ago and my account was cleared. Thanks for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
In XX/XX/XXXX, I closed my checking account with Truist Bank. Early this year, I tried to log in the online banking to access the tax form and the system did not allow me to log in. On XX/XX/XXXX, I called Truist Bank to resolve this issue but was told there is nothing they can do because the account was closed. They did not send the tax form via physical mail neither. Therefore, I can not finish my tax return due to a missing 1099 form from them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I purchased a HORSE through XXXX XXXX of XXXX XXXX stable who had me use my TD Bank XXXX to charge {$2400.00}. 
To XXXX XXXX STABLES. I paid to have the horse delivered XX/XX/XXXX, to XXXX XXXX academy in XXXX NY. The horse was guaranteed to be sound and appropriate for my riding needs. After I paid the vet to examine the horse ( as agreed ) he was found to be immediately unsound and bloodwork and radiographs confirmed this. I called dealer and he said he would take his horse back and deliver another guaranteed sound and fit. He delivered another horse also found to be unsound by the vet ( I paid again for shipping and vetting ). At this point I told dealer I was reversing charges on my CCs and returning the second unsound horse. The dealer stopped returning my calls. The barn owner got involved and got him to take the horse back, which he did. I am currently out shipping, vetting and boarding fees. I reported immediately to TD Bank and followed up with XXXX phone calls and a written statement and XXXX visits in person to TD Bank branches. TD claims I didnt follow up and has closed the account keeping my {$2400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: FL

Complaint narrative:
Spoke with XXXX on XX/XX/22 at XXXX I was given relief on my missed payments. I was negatively impacted by the coronavirus pandemic and missed payments on my discover card, When discussing the cares act with the agent, asking that since I received relief with the accommodation of waived late fees that the account should reflect as current. This was not provided to me. 

On XX/XX/XXXX I spoke with 2 agents I was given a refund in late fees and encouraged to raise my limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX I received a letter from XXXX dated XX/XX/XXXX. The letter stated that I have a Target Card from TB Bank USA and as of XX/XX/XXXX I owed {$210.00}. I take responsibility for missing a payment in XXXX of XXXX, I forgot I had used that credit card and did not make the payment. 

When I received the letter on XX/XX/XXXX I immediately paid the balance. On XX/XX/XXXX I received an alert that my credit score had decreased. I logged into my XXXX XXXX account ( they send the credit score alerts to me ) and saw that my credit score had decreased by XXXX points and it was due to missed payments for this account. 

I called both XXXX  and Target to ask for a " goodwill '' removal of this information as I paid the balance immediately upon receiving the letter and my credit history at this time will show I have not had missed payments in several years. Target informed me that I would need to contact XXXX about this, via telephone call on the morning on XX/XX/XXXX. They transferred me to XXXX. 

I was told by XXXX that they are unable to do anything and I needed to talk to Target. Here are specifics from the conversation with XXXX : ( 1 ) they received the information from Target on XX/XX/XXXX, ( 2 ) they are not able to send me any written information about what attempts they made to inform me about this balance, incident, payment, etc., ( 3 ) they sometimes make phone calls to customers but do not necessarily leave any voicemail messages. I did not receive any voicemails from XXXX, ( 4 ) they have no record about if they called me or not, ( 5 ) they stated they have no record about when they first sent a letter to me, ( 6 ) they have no information at all about my account because I had already paid the full amount. I spoke with XXXX XXXX between approximately XXXX and XXXX on XX/XX/XXXX If I had made a payment prior to XX/XX/XXXX my credit score would not have been impacted. I received no communication from XXXX prior to receiving the letter on XX/XX/XXXX. The letter is dated XX/XX/XXXX but, depending on what time of day the letter was sent, that left a total of two business days for the letter to arrive in my mailbox and for me to have time to pay the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
Bullcity XX/XX/2021 {$890.00} Disputed the account and sent a police r.eport

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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: SLM CORPORATION
State: NC

Complaint narrative:
I disputed two charges with Sallie Mae 's credit card for the following amount : {$590.00} and {$640.00}. These charges are related to XXXX  XXXX performed by XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ), XXXX NC XXXX that left my dog with XXXX XXXX. I explained this to the Sallie Mae representative multiple times and also sent them documents on XX/XX/2022 by USPS tracking nr : XXXX. 
Today I got an email that the charges are valid and I am responsible for the balance. 
After we retrieved our dog on XX/XX/XXXX we noticed that her XXXX XXXX XXXX and questioned XXXX and his staff regarding this they claimed that this is due to discomfort after the XXXX. We noticed XXXX XXXX and XXXX  that continued to XXXX  and her XXXX XXXX XXXX XXXX. I was texting XXXX and his staff, ( screenshots attached ), he ignored it and they stated that they don't know what could cause that. Later on, they stated that these are XXXX XXXX 
On XX/XX/XXXX I took my dog to XXXX to treat my dog 's wounds and he claimed that this is a reaction to the medication. XXXX lied to us and tried to mislead us, he even charged us {$240.00} to treat her wounds that they caused during XXXX with the heating pad. 
On XX/XX/XXXX I contacted another veterinarian and she confirmed that these are XXXX XXXX XXXX I reported XXXX to the XXXX  XXXX XXXX XXXX 
Sallie Mae made a decision even not reviewing the documents that I sent, they were not bothered to wait for the documentation to have a full understanding of the situation. 
I incurred financial losses and suffering as a result of XXXX 's negligence. The service I paid for was not provided as agreed. I paid nearly one thousand for treating my dog 's XXXX  XXXX  and saved the receipts for {$610.00} I also tried to contact XXXX multiple times, he never came to the phone or returned my calls. I requested a refund via the feedback link, but he didn't respond. On XX/XX/XXXX I sent him a demand letter. 
Unfortunately, I will not accept this resolution.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-24 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: CITIBANK, N.A.
State: OR

Complaint narrative:
On XX/XX/XXXX at XXXX I purchased a 5 night stay at a cabin on XXXX XXXX At XXXX that night, XXXX sent an email stating that the cabin host cancelled my reservation. The host contacted me via the XXXX messaging app and stated that the cabin was only available for a 7 night minimum stay and they cancelled my reservation. I ended up booking a different cabin on a different website. Unfortunately, the reservation in the amount of {$7300.00} was posted to my credit card and after several days, it was never removed. I immediately contacted XXXX via chat and spoke to a XXXX XXXX The XXXX agent says that they only placed a hold on for the reservation but cancelled it and they never received payment thus there is nothing to refund. They said it was a mistake on Citibank 's part and I needed to clarify the fix with them. In my XXXX  profile, I confirmed that reservation was indeed listed as Cancelled. 

I contacted Citibank and they told me to file a dispute which I immediately did. On XX/XX/XXXX, Citibank sent me communication asking for documentation which I did. I sent them the email showing the reservation made, the reservation cancelled, the chat session with the cabin host explaining why they cancelled the reservation and the chat session with the XXXX customer service representative stating I needed to resolve the issue with Citibank and the refund policy. 

On XX/XX/XXXX Citibank denied my dispute stating that I was responsible and reposted the {$7300.00} to my account. In the letter they questioned how I was able to book a 5 night stay if the cabin was only available for XXXX nights and then told me I didn't read the XXXX refund policy for the reservation. 

I wrote back stating that I DID NOT cancel the reservation and that the cabin host cancelled my reservation immediately after I booked it through XXXX. In addition, in the documentation I sent Citibank, it clearly states that I can receive a 100 % refund if the reservation is cancelled on or before XX/XX/XXXX. I contacted the Citibank Dispute resolution center, but they refused to do anything and said I had to email Citibank. 

I am so mad that Citibank would attempt to blame me for this and wants me to pay for a trip that was cancelled by XXXX. They've been dragging this out for months even though I've provided all documentation back in 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 2022-03-24 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: CA

Complaint narrative:
I'm not swayed that Experian efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. Experian is reporting inaccurate information on the accounts below. Also, I tried contacting the Experian requesting a complete payment history with this account for me to review the exact date on which the charge-off were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-03-24 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: CA

Complaint narrative:
I'm not swayed that Transunion efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. Transunion is reporting inaccurate information on the accounts below. Also, I tried contacting Transunion requesting a complete payment history with this account for me to review the exact date on which the charge-off were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - XXXX XXXXXXXX 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 2022-03-24 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: CA

Complaint narrative:
I'm not swayed that Equifax efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. Equifax is reporting inaccurate information on the accounts below. Also, I tried contacting the Equifax requesting a complete payment history with this account for me to review the exact date on which the charge-off were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Westlake Services, LLC
State: NV

Complaint narrative:
On XX/XX/XXXX my attorney reached out to Westlake Portfolio requesting information regarding my account. She was then directed to speak to the Creditors attorney. 

My attorney has requested information/documents on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. It has been more than 30 days and she has yet to receive a response or requested information from both Westlake and their Attorney.

Westlake was advised to direct all correspondence to my attorney and she has yet to receive anything after 3 attempts.

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 2022-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I received my Dept Of Education accounts as verified after the dispute process with Experian today when I did not ask for verification of the account. I demanded for these 2 accounts be removed from my Experian credit profile and they responded saying the accounts were verified.

Under 15 USC Code 1b permissable purposes of consumer reports i never gave US Dept of education written consent to report this account on my Experian credit report. NO CONSENT IS IDENTITY THEFT! Which is why I filed my ftc report.

Also, This company is in violation of more laws and continues to furnish these accounts on my Experian Credit profile.

Under 15 USC Code 1681a ( 2 ) ( B ) Exclusions from a consumer report, these accounts are in violation, any credit transaction supposed to be excluded from a consumer credit report if a social security card was used in transaction. 

To conclude, how are my disputes coming back verified with an official FTC report?? My rights are being violated and I demand the CFPB to force these accounts removed from credit report immediately.

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 2022-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I'm not swayed that the bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The bureaus are reporting inaccurate information on AMEX - AMERICAN EXPRESS BANK , FSB. Also, I tried contacting the bureaus requesting a complete payment history with this account for me to review the exact date on which the charge-off were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

AMEX - AMERICAN EXPRESS BANK , FSB XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I'm not swayed that XXXX efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. XXXX is reporting inaccurate information on BARCLAYS BANK DELAWARE. Also, I tried contacting XXXX requesting a complete payment history with this account for me to review the exact date on which the charge-off were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

BARCLAYS BANK DELAWARE 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 2022-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hi my name is XXXX. My problem with wells fargo is that there are disputes on my account for unauthorized purchases made with my account and my card. The total amount stolen from my bank equals to {$5100.00}. I have made effortless calls to wells fargo about this and to my surprise have had 0 cooperation. Wells fargo hasnt been refunding me any of these fraudulent purchases for months.

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