vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-21 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: WI

Complaint narrative:
In XXXX, I downloaded a copy of my credit report from all three Credit Bureaus. I noticed an account XXXX XXXX XXXX was reporting erroneously. On all three reports, the account was showing derogatory status despite the account being satisfied in fill. I disputed this account with all three bureaus. I also emailed XXXX XXXX XXXX, since every letter sent was returned. To date, XX/XX/XXXX, XXXX XXXX XXXX has refused to delete the account even though the account has been satisfied in full. XXXX XXXX XXXX told me they are not required to remove closed accounts, even though there are errors. XXXX  and XXXX  complied and removed the account. Transunion has refused to remove the account and has not provided information to prove they validated the erroneous 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 2021-04-21 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:
XXXX  continues to report accounts that were never opened by me. 

XXXX XXXX XXXX  # XXXX ( Account incorrectly Reporting on my report. ) I previously owned a XXXX but it was a XXXX XXXX XXXX. I acquired this car in XXXX It was totalled in a car accident in XXXX. I never owned another XXXX. 

XXXX XXXX XXXX XXXX # XXXX ( Account incorrectly Reporting on my report. ) This was a fraudulent account opened back in XXXX. I filed a report with my local police department and the account was removed but it has shown back up two times. I had a authorized user XXXX  account that my mother added me to that she opened in XXXX. 

XXXX XXXX XXXX  XXXX # XXXX This account was fraudulently opened up back in XXXX. I filed a report with my local police department and the account was removed but it has shown back up recently.

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 2021-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2021 I sent from my checking account at Regions Bank, through XXXX app to friend whose account is at XXXX XXXX XXXX, the reason ( description ) I notated XXXX only because the I have two friends with same name and one is a childhood friend from XXXX living in the US specifically XXXX, Florida. The transaction left my account through the XXXX app, successfully, reached XXXX XXXX XXXX but was never deposited into the destination account. I have contacted, Regions, and initiated a complaint as the funds have not been credited back to me. The destination party has gone to her bank XXXX XXXX XXXX and has been told that they do not have the funds and that the funds were being held by OFAC. I am well aware of the sanctions US has regarding any business, or transactions with XXXX again, these funds were not going to the island they were going to a childhood friend from XXXX and the description was used to differentiate from another friend with the same name. After weeks of constant calls to my bank Region no one can tell me were my funds are or if they will ever be returned to me. XXXX XXXX XXXX has acted without any question being asked has just determined they were going to proceed in this fashion. I must know were the funds are and were they have been applied otherwise this is just pure act of vandalism.

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 2021-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
THIS IS XXXX XXXX!!! I AM SUBMITTING THIS ON MY OWN BEHALF. I HAVE NO OTHER AUTHORIZED THIRD PARTY! 
On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they have to be deleted. Filing for litigation due to the stress would be the next step for me to take. The wrong person my have used information which was impacted by the Equifax data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
I am submitting this complaint because I am being extremely affected by FAIR COLLECTIONS & OUTSOURCING , INC . They are being completely unfair and I dont know how to get ahold on them but through this portal. 

I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation. 

I was misled into paying the collection and told account would be deleted if I paid and were excessively harassed and called and forced into paying the debt. 
Even though I stated that their gross overcharges and contract breaches from the original creditor XXXX XXXX, and the collection should have never incurred as my account was settled as it was closed with them. 


Account Information : Account Name : FAIR COLLECTIONS & OUTSOURCING, ING. 
Account Number : XXXX Account : Type Collection Date Opened : XX/XX/2017 Please see attached. 

Remedy : Deletion account from all credit bureaus.

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 2021-04-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX I was researching options to open a new credit line for my business XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I was shown a sponsored XXXX advertisement for a Capital One Credit Card ( who I have been a customer with for XXXX years ). 

I did not realize after applying that it was having me open a nearly identical card ( XXXX XXXX ) to the XXXX I have ( XXXX XXXX XXXX  ) -- I thought I was just raising the credit limit on my XXXX XXXX XXXX. 

I do not need or want the " XXXX XXXX '' because the card features are not useful to me or my business. 

I called into Capital One and talked with a representative right after the card was opened and I realized this -- they told me the application department would be able to fix it, but they were closed ( since it was a XXXX ). 

I was also, told by another representative to apply for another card ( " XXXX XXXX '' which I did ... and was then declined. ) The reason I was declined : The " XXXX XXXX '' card was still in processing even though I had been given confirmation it was approved -- so I was told wrong by a representative and now have a negative second hard pull on my credit -- which is totally not fair because it was an automatic reject and the representative gave me bad information. It is apparently a recorded line so it can be listened to again. 

I promptly called Capital One on XXXX  morning XX/XX/XXXX and after speaking XXXX representatives they told me they couldn't help -- my request was to simply switch the card type of " XXXX XXXX  '' account into a " XXXX XXXX  '' I feel misled as a consumer and Capital One did not adequately advertise their financial products. Furthermore, the representatives employed by Capital One gave me misinformation that was deleterious to my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found late payments on the dates below : XXXX  days late as of XXXX XXXX XXXX days late as of XX/XX/2019 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA

Complaint narrative:
Approx XXXX yrs ago did a payday loan for {$290.00}. Became VERY XXXX AWAITING XXXX surgeries. I'm XXXX. Received a threatening call saying they are taking me to court for ALL KINDS OF GARBAGE. GAVE me a case number. Sueing me for over {$1500.00}. Very threatening. Their number is XXXX XXXX XXXX. Ace Cash Express. My number is XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: NY

Complaint narrative:
I am writing this to dispute the XXXX XXXXXXXX charges on my credit report. 

I was a customer of XXXX for several years. Early in the year 2016 I received a bill of approximately {$1200.00}. I immediately called XXXX to dispute the charge. The first customer service representative informed me it was some international call made from my then XXXX XXXX XXXX XXXX phone. I immediately reminded the representative that every phone on our account was blocked from all international calls. After checking the system, he noticed and confirmed the block. He then informed me the charges will be removed, he just needed the manager to authorize it. 

XXXX weeks later, I called to confirm the charges were removed. I was told they were unable to remove the charges and did not have an explanation as to why not. I then inquired where these calls were made to since the numbers looked very strange. They could not tell me exactly where, but suggested XXXX. After informing them we would never make any calls to XXXX ; and reminding them about the international block again, I was told to give them some time to investigate. 

This went on for XXXX months, I paid the difference on the bill until I had had enough and told them to cancel our service. The service was apparently only " interrupted '' for another XXXX months but was never disconnected. I received a bill for over {$2000.00}. I called to inquire about the charges, and was told the services were not disconnected, but just " interrupted. '' After I played a recording of the last conversation where I disputed the charges and requested they discontinued services, I was told they could not stop services then. 

Since then, XXXX can not give me an explanation about the calls, about the international block, or why they did not disconnect the phones when I requested they do so. Every year since for XXXX years XXXX recalls the debt, and assigns it to a new collection company puts it back on my credit report and re-aging the debt.

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 2021-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have been attempting to release or unfreeze my Equifax credit report since XXXX of XXXX. After, approximately, XXXX plus hours of long conversations with many different representatives I have been told different things from different representatives. Some have stated that I am not who I say I am. I have mailed, twice, a photo copy of my drivers license and social security card with a written later stating that I want my credit report from equifax. Both times they have responded that this is not sufficient and that I need to send them again. I have been told by XXXX representatives that my report is open and available yet I am still unable to access my credit report or apply for new credit. I have been told by XXXX separate representatives that I am not XXXX XXXX XXXX even though I have told them all the information that they requested correctly according to my XXXX other credit reports from XXXX, and XXXX. This is costing me up to {$80000.00} i should be saving by refinancing my mortgage but I am unable to because of the impossibly absurd business practices of equifax. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On the XXXX of XX/XX/2021 i called XXXX customer service to dispute a charge {$14.00} for XXXX XXXX membership the person on the line claimed to be from the company XXXX ID # XXXX told him i didn't have XXXX  and he told me to going into my account and said my account was hack said he will return the money ask me to go to app store. Which i did and some how he able to take over my cellphone and get into my bank account he did XXXX transaction in XXXX in the amount of XXXX XXXX XXXX dollar and XXXX in the amount of XXXX XXXX a total XXXX dollars i report it to the bank same day it was done by XXXX XXXX that i never used and the bank did not let me know about this action .The bank i use is capital one As soon as i realized i was begin hacked he hanged up i have been trying to get back my money and all the bank want to give me back is XXXX XXXX XXXX .The bank should have seen that i never have ever done this before and reached out to me and let me know about all the activity on my account so i am asking that you please help me to resolve this problem.to have my funds return to my account. 

Thanking you in advance XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: GA

Complaint narrative:
I have been receiving numerous collections calls for {$510.00} XXXX which are inflated move out costs from my old apartment complex which I paid in XX/XX/XXXX. ) XXXX XXXX XXXX  inflated my bill, had my balance at {$0.00} u til I called just to verify at the end of XXXX. 

I was issued a bill by XXXX in the leasing office for {$510.00} which I paid within hours ( to be sure I would stay in good standing with the housing authority. I knew the costs were inflated but because of the complexs business practices, I wanted to pay and hope for rectification later. 
The apartments sent me to collections on XX/XX/XXXX despite me already paying. I believe its partly in retaliation to me leaving a truthful u flattering XXXX review and them being biased with regards to housing recipients. 

I have been and am STILL receiving unwanted and unwarranted collection calls from XXXX XXXX even after providing proof of payment of the debt which is invalid to begin with, Ive still been rudely and aggressively harassed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
On the night of XXXX XXXXXXXX XXXX at approximately XXXX, I deposited {$2000.00} cash into my accountant at XXXX XXXX XXXX XXXX XXXX  so I could pay my mortgage. After I inserted the bills the atm proceeded to count the money ( or thats what I thought XXXX, flashed a quick error message on the screen and spit back out a XXXX XXXX XXXX. The screen said thank you for banking with us and went back to its Home Screen after spitting my card back to me. 
I immediately checked my account balance on my phone and the {$1900.00} that I didnt receive was not credited to my account. 
I then called the number on the atm and got in touch with someone and explained my situation. 
While I was on hold I put my atm card in the machine to select the deposit option to see if it would open and I could possibly get my money out. Wishful thinking. 
It wouldnt even let me select the deposit cash option on the screen. 
By this time I was back on the phone with a different person. I explained to the the situation and they told me they would help me open a claim. I drove from the atm into the banks parking lot, gave all my information for the claim and was told XXXX days this issue should be resolved. 
To be proactive I also called the bank branch where the incident happened the morning they opened. I explained my situation to the gentleman who answered the phone and he told me that I would have to submit a claim over the phone and that there was nothing that he could do. 
I gave them a little over XXXX  days and was told by another person on the phone that I received the wrong information and that it would take at least XXXX  days for this matter to be solved. 
Fast forward to the XXXX day I was told my claim was denied bc there were no overages in the atm at the end of the week. 
Not accepting losing out on {$1900.00} I asked what I was supposed to do they told me I could make another claim. Which I dont understand what that is going to do if they already denied the claim. 
So here I am frustrated and still out of my money and now my mortgage is late.

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 2021-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Wilber and Associates, P.C.
State: MD

Complaint narrative:
To whom it may concern : I received a notice from XXXX XXXX XXXX saying that on XXXX XXXX, XXXX, their client alleged that while I was leaving a parallel parking space on a XXXX XXXX, I backed into their vehicle and fled the scene. XXXX alleged that their client took their vehicle to the claims adjuster and they adjudicated the claim in the amount of {$130.00}. 

When I called to inquire about the allegation, XXXX claimed that their client had a video of the alleged incident. In complete disbelieve that XXXX alleged that my vehicle caused {$130.00} worth of damage to their clients vehicle, I requested, in good faith, to view or receive a copy of the video to determine that it was indeed my vehicle responsible for the incident -- XXXX, over the course of XXXX months, neglected to communicate with me nor send a copy of the video. 

In XX/XX/XXXX, having received no communication from XXXX, I wrote them via their web portal requesting them to dismiss the claim. The company, again, did not respond to my inquiry and instead sent my case to collections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: CT

Complaint narrative:
My Complaint is about Fay Servicing and how they keep you in the dark about the status of your loan and how deceptive and unprofessional the employees are. My mortgage loan was initially with XXXX XXXX XXXX who I had been working with on a Forbearance Extension for XXXX & XX/XX/XXXX due to my financial hardship after losing my job in XXXX of XXXX due to XXXX. I had submitted an updated Loss Mitigation application along with my most recent bank statement and proof of my unemployment income on XXXX XXXX XXXX. I recieved a letter from XXXX on XX/XX/XXXX stating that my loan was being transferred to Fay Servicing effective date XX/XX/XXXX. I called XXXX on XX/XX/XXXX and spoke to XXXX who assured me that even though my loan was being transferred all documents in regards to a Forbearance Extension would be forwarded over to Fay Servicing and they would then complete the review and make a decision in regards to my options and a Forbearance Extension. It has been a nightmare eversince. On XX/XX/XXXX I spoke to XXXX who informed me that he just so happens to be my account manager. I asked XXXX if he rececived my documents from XXXX and he informed me that they just sent a letter to me with an option of XXXX XXXX.I asked him what happened to my request for XXXX XXXX which he never answered. He said how do yo expect to pay this you don't have a job. I explained to him that due to XXXX how i lost my job and XXXX had a XXXX XXXX. XXXX responded with " What Are you talking about XXXX happened a XXXX  ago. Evidently he is not aware of what is happening outside his cubicle. I asked him several times does this mean that you are declining my request for a XXXX XXXX and all he would keep saying is do want to accept the XXXX of forclosure? I repeated once again so your saying they will not do a XXXX XXXX and his final response was I did not say that. Is that want you want to do? I said yes and then XXXX said I will send out an application. At this point i am so stressed and frustrated with this company. It stems from the top and I will tell you as a professional myself who had worked as a XXXX XXXX XXXXXXXX for XXXX and at my last job business banker this company is XXXX, Deceptive and Unprofessional. They shouldn be stripped of their license and not be allowed to do business in any XXXX!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect
State: GA

Complaint narrative:
Dispute letter was mailed on XXXX and XXXX. In the letter as written discussing about validating this debt in the amount of {$680.00} no action was taking by AMERICOLLECT XXXX XXXX XXXXXXXX XXXXXXXX XXXX Its reporting to all XXXX credit bureaus.

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