vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
XX/XX/2023 at XXXX XXXX amount of {$5000.00} was fraudulently taken out of my account. I immediately went to the bank once notified about the illegal transaction. The bank had no empathy. They opened a new account to ensure that the new account wouldn't be hacked. However, the gave no provisional credit or insight other than informing me it would take 7-10 days. However, here on XX/XX/2023 the issue is still unresolved. On XX/XX/2023 i contacted them because I am very uneasy and explained to them I'm in the middle of buying a house and this is pushing back my settlement and me and my children can loose our house. The representative said IM SORRY YOU FEEL THIS WAY. So at that point i became irate. I have been nothing but patient. I put over 6 figures into a federally insured bank in which i trusted for years and they do not care because it's not their money. I had several products with this company and never experienced this with any bank. I have never been frauded, humiliated, and disrespected by an institution. I'm more hurt because this is the bank i liked the most out of all my banks. The customer service is very standoffish and they do not care. Not only that, security called me today for being frustrated with the rep on XX/XX/2023 yet they have yet to call me about the status of my claim, in which i haven't even received a follow up call or email. I am also making a police report. I just want my money back and to move on with my life in my new home this is absurd. This bank always advertises 0 fraud liability and at this point i am liable for being frauded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
the items listed above are recorded due to fradulent and unauthorized inquiries on my report please delete all hard inquiries. 

-cXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2023-02-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: W&A Intermediate Co., LLC
State: OH

Complaint narrative:
Around XXXX of XXXX I went to XXXX XXXX for a XXXX XXXX, during the visit I was told that I would need XXXX for top and bottom and before they would fix the XXXX XXXX, they recommended me to get the XXXX  first. I agreed and they made me an appointment to get fitted for the partial around XX/XX/XXXX. During my visit, my insurance was validated with the insurance company, and the XXXX office presented with an estimate of cost for the partial, the estimated showed. the portion I was responsible for and the portion in which they insurance agreed to pay, prior to me making any commit, I was told that because the service was for custom partial, I would have to pay my portion prior to the XXXX office sending the impression off to be made. I agreed and made payment for my portion of the expense that day. Around XXXX of XXXX, return to XXXX for my XXXX during that visit they adjusted my XXXX XXXX XXXX XXXX XXXX. upon leaving I stopped at the front desk to take, and outstanding balance and I was told. There was no balance, and I was good to go. 

Around XXXX of XXXX, I received and invoice in the mail from XXXX XXXX, I immediately call their office and spoke with the billing person to speak about the bill, and I told her exactly what I wrote about, she said OKAY she would need to get in contact with my insurance company again and we ended the call. I then call XXXX insurance company just to be certain and I was told the claim paid out, so if figure must have been and error. 

Around XXXX I receive a call for a Wakefield collection agency in regard to the {$1500.00} charge, I was surprised as I though the issue was resolved, and the {$750.00} charge was now. {$1500.00}. I explained to the representative all they above and he said he would need to get back in touch with the XXXX office. 

I never heard back, instead Wakefield popup on my credit report as a collection, I have tried countless times to get them to resolve this, but they continue to report the inaccurate information to the credit bureau. 

The agreement I had with the XXXX office said I would pay portion of responsible cost at time of service which I did. I don't know what was or wasn't file correctly with the insurance company nor do I have control over that, all that was worked out at the time of service between my insurance provider and XXXX office. I contacted the insurance company and they have said they paid the claim, so I am not sure why I am still be harassed and pursued for something I don't owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I spoke with the companies in question about how they retrieve my information. I have requested the companies in question to close the accounts because they were not given permission by me and I didn't owe monies to these companies in question. The negative accounts have not been removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: LA

Complaint narrative:
I have my mortgage through U.S. Bank. I am a victim of Hurricane Ida. U.S. Bank is refusing to release the money from my insurance company that I need in order to make repairs on my home. To date, they have only released approximately {$40000.00} and are refusing to release the remaining {$28000.00} - I have over {$300000.00} in damages. They have intentionally misdated letters I sent to them to avoid violating their own deadlines. I have sent them numerous invoices and proof of payments they requested ; each time they mark them as inactive to pretend they haven't received them. Each and every time I call, they allege that they have received no documentation that this is a partial settlement ; my attorney has sent them the same paperwork requested on three separate occasions now. On XX/XX/XXXX, I was finally introduced to their portal, and was told to upload all of my documentation along with a letter requesting the release of remaining funds. I immediately did as instructed ; they marked the letter as inactive. I resent the request on XX/XX/XXXX ; they moved the received date to XX/XX/XXXX, acknowledged it was a letter requesting the release of funds, then moved it to inactive. I resubmitted the same letter again on XX/XX/XXXX ; again it was moved to the following day. When I called, I was told that they have two business days to make a decision. I called and they told me they hadn't received the results of the VIRTUAL INSPECTION they performed on my roof- the one where I walked around on the ground around the perimeter of my home while they snapped pictures- so they couldn't release the funds. I called the next day and was told they would escalate it to a Supervisor. I called again on XX/XX/XXXX and requested to speak to a Supervisor ; they put me on hold for over an hour and refused to allow me to speak with someone. Every time I call, they make up some new excuse as to why they continue to hold onto my money that they're accruing interest on. Their failure to release the remainder of funds is causing additional damage to my home.

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 2023-02-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: IL

Complaint narrative:
Original debt owed for XXXX XXXX is : {$7800.00} Debt Collector Fair Collections & Out is trying to collect {$13000.00} Phone number 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 2023-02-09 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX Is the prvious complaint that I made to Equifax to have a fruadlent inquiry removed from my credit file. 

Per that complaint the section of the FCRA that requires once all correct documnets ahve been received they have 4 business days to remove the fraudulent inquiry. 

I printed a copy of their credit report and the fraudlent information is still on the credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 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: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I used my XXXX XXXXXXXX XXXX Bill Pay service to pay American Express because using the AMEX would not be processed properly and I would be charged late fees or the payment wouldn't go through. 

The Tracked Payment to AMEX was rec 'd on Friday, XX/XX/XXXX for a payment due on XX/XX/XXXX. AMEX did not process the payment until Sunday, XX/XX/XXXX, and then charged my {$20.00} in interest and a {$29.00} Late Fee. 

This isn't just dishonest. It's lazy. AMEX cares so little about my business, that they have repeatedly punished me for paying my bills on time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-09 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: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I applied for a credit card from wells Fargo with aXXXX credit score they discriminate against me by denying me credit with XXXX credit score .That along show improper use.

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 2023-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Regional Management Corporation
State: AL

Complaint narrative:
A representative by name of XXXX from Regional Finance has went against the fair debt collection practices by contacting my employer ( after I specifically told them not to especially if I am having open communication ) asking my boss why I was off and when Ill be back etc, then contacting a lady she used to work with at another loan company discussing my business asking why or if I had came in and going so far as to threatening me with garnishments when I had open communication was only 12 days late. This is harassment. Upon getting the loan I was totally discriminated against due to the fact I was told they typically DO NOT loan money to other people that are employed with another finance companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Both TransUnion and XXXX have incorrectly lowered my credit score from XXXX in late XXXX to XXXX during XXXX of XXXX because XXXX XXXX incorrectly reported to them that I had a delinquent overdue fee on my credit card with XXXXXXXX XXXX 

But that is all incorrect! As XXXXXXXX XXXX can testify, there was NEVER a delinquent nor overdue charge EVER on my credit card with XXXXXXXX XXXX! As documented in XXXX case number XXXX of my account number XXXX it was always XXXXXXXX XXXX  's mistake to report that incorrect information to TransUnion and XXXX, and there was never a delinquent nor overdue. 

XXXXXXXX XXXX has fixed the mistake, but TransUnion and XXXX continue to report my credit score as XXXX when it should have never been lowered below the XXXX level that it was in early XX/XX/XXXX. 

So TransUnion and XXXX should return my credit score to near XXXX, because there have been NO LEGITIMATE COMPLAINTS against my credit since it was XXXX in late 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 2023-02-09 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: KY

Complaint narrative:
The date has been recently as of XX/XX/2023. Has not validated the debt want debt removed off my credit report is immediately from all three credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Both XXXX and Equifax have incorrectly lowered my credit score from XXXX in late XXXX to XXXX during XXXX of XXXX because XXXX XXXX  incorrectly reported to them that I had a delinquent overdue fee on my credit card with XXXX XXXX. 

But that is all incorrect! As XXXX XXXX  can testify, there was NEVER a delinquent nor overdue charge EVER on my credit card with XXXX XXXX! As documented in XXXX case number XXXX of my account number XXXX it was always XXXX XXXX XXXX mistake to report that incorrect information to XXXX and Equifax, and there was never a delinquent nor overdue. 

XXXX XXXX  has fixed the mistake, but XXXX and Equifax continue to report my credit score as XXXX when it should have never been lowered below the XXXX level that it was in early XX/XX/XXXX. 

So XXXX and Equifax should return my credit score to near XXXX, because there have been NO LEGITIMATE COMPLAINTS against my credit since it was XXXX in late XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Bread Financial Holdings, Inc.
State: SD

Complaint narrative:
We had a credit card that was originally with XXXXXXXX XXXX and then in XXXX it was sold to Comenity. When we got a bill to pay our credit card in XXXX. We paid it using our online bill pay to XXXXXXXX XXXX ( we had until XXXX to continue to pay to XXXXXXXX XXXX and they would transfer to Comenity ). In XXXX I noticed we had late fees and interest charges so I called XXXX and they said the money would get transferred to Comenity and to give it 1 or 2 billing cycles to resolve itself. XXXX payment also got paid to XXXXXXXX XXXX  and we had the same issue. We got our online billing system fixed to the new address, new company and new credit card number for the XXXX payment. So, our XXXX and XXXX payments from 2022 have still NOT BEEN APPLIED. We have been fighting with XXXX XXXX and XXXXXXXX XXXX to find someone who would help. We received NO help until I reported XXXX XXXX and XXXXXXXX XXXX to the CFPB. XXXX XXXX still would not cooperate and after much frustration they FINALLY sent out the " trace number '' so we could prove we sent the payment in XXXX and XXXX. XXXX from the XXXX 's office at XXXX has finally confirmed that XXXX XXXX did indeed receive the payment. They are saying they sent to Comenity but we are back to square one and Comenity is saying they didn't receive and need a " tracing number '' to track the funds. It has been several weeks and to this day I have not received the " tracing number '' nor has Comenity received the tracing number and Comenity will not credit our account and they continue to charge late fees, interest charges and have been affecting my credit report ( which was XXXX before this event ). It has been 7 months now since we made our first payment. This is insane and frustrating. I proved we made our payment to XXXXXXXX XXXX and they have yet to get Comenity to credit our account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-09 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: TX

Complaint narrative:
FRCA Violation: auto loan not mine
XXXX XXXXXXXX XXXX  
FCRA Violation: credit card not mine
XXXX XXXX XXXX XXXX

FCRA VIOLATION: ADDRESS NOT MINE
XXXX XXXX XXXX XXXX  TX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX
XXXX  
FCRA Violation:  student loan never late XXXX XXXX XXXX XXXX XXXX XXXX  
FCRA Violation: hard enquiries not mine
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 Violation: collection not mine
XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 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: TX

Complaint narrative:
FRCA Violation: auto loan not mine
XXXX XXXX XXXX

FCRA Violation: credit card not mine
XXXX XXXX XXXX XXXX

FCRA VIOLATION: ADDRESS NOT MINE
XXXX XXXX XXXX XXXX TX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX
XXXX XXXX XXXX XXXX XXXX XXXX  TX
XXXX

FCRA Violation:  student loan never late XXXX XXXX XXXX XXXX XXXX XXXX

FCRA Violation: hard enquiries not mine
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

HIPPA Violation: collection not mine
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 2023-02-09 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: AL

Complaint narrative:
I applied for a credit card from XXXX XXXXXXXX with XXXX credit score they discriminate against me by denying me credit with XXXX credit score .That along show improper use.

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 2023-02-09 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: TX

Complaint narrative:
FCRA Violation : name and address not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX FCRA violation : auto loan not mine XXXX XXXX {$200.00} FCRA Violation : credit card not mine XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation : other loan not mine XXXX XXXX XXXXXXXX {$1000.00} XXXX XXXX XXXXXXXX {$850.00} XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX FCRA Violation : hard enquiries not mine XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX FCRA XXXX XXXX XXXX not mine XXXX {$690.00} XXXX {$960.00} XXXX XXXX XXXX {$1400.00} XXXX  XXXX  {$1300.00} XXXX  XXXX XXXX {$430.00} XXXX XXXX XXXX {$3400.00} XXXX XXXX  {$820.00} XXXX  XXXX LA {$64.00} XXXX XXXX XXXX {$590.00}

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 2023-02-09 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: KS

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX Online Information s, has violated my rights. 

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

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