vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-25 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: ENOVA INTERNATIONAL, INC.
State: UT

Complaint narrative:
Net credit is reporting a good standing account on my credit as a collection. I have had this account for years now and have been making payments on it and it is current and in good standing. I however, recently checked my credit and noticed that this account continually affects me because it reports as a collection. This is ridiculous, I am actively paying on this account and it is a loan. I do not owe the lump sum of the loan right away, I am paying it off like anyone would with a loan. Net credit must report this account accordingly as a loan not a collection. This must be fixed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I have sent several disputes to each on of the credit bureaus : Transunion, XXXX & XXXX  and they have yet to respond to me or provide results. I do understand there is a pandemic going on, but they are still required to provide results under the law. They are reporting errors on my credit file and they need to respond to disputes.

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 2021-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, I verified my credit score through the Experian website, and at that point in time, my score was XXXX. Today XX/XX/XXXX, I received an email informing me that there was a change in my credit score. I thought it had increased by a point or two because I have not had a single late payment in over a decade, nor have I made any changes to my financial responsibilities. I was shocked when I saw that my score had dropped to XXXX for absolutely no reason. This is an abuse from Experian and a way to force a person to subscribe to their Experian Identity Credit Service to " boost '' our credit score. 

Please let feel free to contact me if you need anything from my end. 

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 2021-03-25 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I went on the website call XXXX to buy a XXXX XXXX. I noticed the website looked strange and I forgot to back out of the site. I had put my info in and I guess it went thru. I sent the company a email I never had back. I called my back I thought my card was lost since I never had purchased anything. I call the CC company about the card. They said I made the purchase I wanted the information they got from the company that had no info Telephone number or a tracking number they had none of the information. The company was fake site and my money was gone and the CC didnt do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
On XX/XX/2021 I logged into my Suntrust mobile app and saw an unauthorized transaction to " XXXX '' for the amount of XXXX $ and immediately I contacted Suntrust to have the transaction cancelled. However, they refused to saying that " the transaction have already been approved. I had never heard of " XXXX '' nor have ever used their services, yet I was being charged and the only thing my bank could do was lock my debit card and then file a claim. completely useless. the next day XX/XX/XXXX, I went to a branch to have access back to my account and my online banking, there I requested a new debit card and reset my online password. However, the second I got home and changed my password there already was another transaction to " XXXX '' even though the previous day Suntrust had assured me that any further transaction to and from " XXXX " would have been blocked. this time a transaction of XXXX $ still pending. so I picked up the phone and called my bank again with no help again whatsoever and saying that they can't cancel the transaction even though my account had been locked for the past 24 hours, suntrust again let " XXXX '' withdraw money from my account despite the fact they had locked the account and said that they would block any further transactions from " XXXX ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-25 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: ENCORE CAPITAL GROUP INC.
State: UT

Complaint narrative:
Midland Credit is reporting an erroneous debt on my credit file and it must be removed. I recently checked my credit file and noticed this debt reporting on my credit file. I immediately called and settled this debt with them. I never received any letters, statements or calls regarding this debt. This violates my 30 day right to dispute under the FCRA and it is a violation. This must be removed from my credit. 
I am also aware that while this account is under review, you can not report this on my credit file. If any negative information continues to report to any of the three major credit bureaus this could constitute fraud under state and federal laws. Please remove this account from my credit file immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: UT

Complaint narrative:
Chexsystems report is showing a paid in full item from XXXX as a negative item. I called USBank and they do not show they had ever reported the item.

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 2021-03-25 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: GA

Complaint narrative:
on XXXX I sent a letter about inaccurate and unknown things on my credit report. to this date over 35 days later. I have not received a response. I feel that my disputes is being ignored. Section 611 XXXX a ), stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 35 days so they should be deleted. I demand these be deleted immediately or I will file for litigation. my information also may been impacted by the Equifax XXXX XXXX and my have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Contacted the company regarding my credit and they sent me this letter voluntarily. Sent it to all 3 credit bureaus and they sent back letter stating verified/updated when i want the account removed as per letter they stated they would dismiss. I called Credit bureau and was told they reached out to company and was told account was acurate and they werent removing account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Contacted the company regarding my credit and they sent me this letter voluntarily. Sent it to all 3 credit bureaus and they sent back letter stating verified/updated when i want the account removed as per letter they stated they would dismiss. I called Credit bureau and was told they reached out to company and was told account was acurate and they werent removing 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 2021-03-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have paid off my credit card. However Im still receiving late payments. I have contacted Capital one to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have been a victim of identity theft. Someone has tried to get unemployment benefits under my name. I found out about this yesterday, on XX/XX/21, and tried to get my free annual credit report from the XXXX website. Experian would not allow me access to my report. I filled out all of my information correctly, and tried multiple times, and I still could not get access. I tried calling multiple numbers for Experian, and could not get in touch with a human being, unless I pressed the number for business account. Even then, they were not helpful. They were located in a foreign country, and had very thick accents that were extremely difficult to understand. I do not feel comfortable giving my sensitive information on the phone, especially to random people in foreign countries. Anyway, they said I could sign up for a plan with them, and I would get access to my credit report that way. I said I don't want to sign up for a plan or membership with them, because in the Term and Conditions, they can use my information for advertising or share it with others. I just want my credit report that I should be allowed to get for free per federal law. The lady transferred me to someone else, but he didn't answer the phone for a long time. I was on the phone for over 40 minutes. Finally, a guy with a thick accent whose name is supposedly XXXX, from disputes, answers the phone only to tell me they are closed now and I can call back tomorrow. They were not closed when I called. They closed while I was on hold for a long time. I called again today with no luck. Some guy told me a supervisor will call me, and no one ever did. At least not yet. I believe they do all they can to make it extremely difficult for people to get access to their credit report so they will either give up or sign up for a plan or membership with them. I don't know how that's legal.

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 2021-03-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
Capital One is reporting an erroneous debt on my credit file. I recently checked my credit and noticed this debt on there. I called immediately and settled this. I was very confused because I had settled this account before it did charge off so I wouldn't have to worry about that. I however, was unaware about any remaining balance on that account. When I spoke to the representative I let them know that I would like to settle the full amount and thought that was done with. However, I ended up paying the charged off debt for {$45.00} that I was not aware about. I never received calls or notices about it. I ask that Capital One please remove this from my credit as it was their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
On XX/XX/XXXX Wells Fargo violated FDCPA federal rules by making a collection call prior tXXXX XXXX XXXX XXXX  pst. On XX/XX/XXXX Wells Fargo attempted to justify violating federal guidelines by claiming in a letter that it was a COVID customer service call. Their letter states they called prior to XXXX am and that they are allowed to call between XXXX and XXXX. Fine. However calling at approximately XXXX XXXX is both a federal violation and Harassment!!!! There was no statement made that it was a Covid customer service call ... ..NO! Only that it was. Collection call. The call was made prior to XXXX XXXX in CLEAR violation of the FDCPA. I have made three payments to Wells Fargo this month. I am current!!! They need to remove any and ALL late fee charges ... .I have had two previous unresolved complaints against them. 

Im considering filing a small claims against a local branch manager if need be and take the {$1000.00} automatic fine for violating the FDCPA ... ..and apply it back to Wells Fargo late fees, OR Wells Fargo can get their act together and clear them off. 

I want my credit cleared of any derogatory remarks from all three major reporting agencies. I want my account reported as current. I show on their web page NO past due payments due. ONLY their late fees which stemmed from their failure to resolve in the past and now they continue to threaten adding more during the CARES Act.

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 2021-03-25 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian, an item was deleted off my credit file XXXX XXXX XXXX XXXX report # XXXX and I noticed that it was re-inserted on my credit file report # XXXX. I was not notified this was going to happen, delete this from my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Several years ago, I Obtained a loan from Capitol One Bank for the purchase of a used car, with " automatic payments '' taken monthly from my XXXX XXXX XXXX Account. The payments have always been " auto pay ''. One month, they did not take a payment and continued on taking payments, the next month, until XX/XX/XXXX. So account is current. Bank statements show payment on 2nd of each month since I have had the loan. No LATE Payments. Ever. They told me to request investigation but it takes a couple of months to do an investigation and I'm interested in purchasing real estate at this time. The Credit Bureau shows 5 or 6 months of consecutive late payments which is impossible since Capitol One deducts payments on the 2nd of each month. I just found this out when they pulled my credit report. Bank shows all payments to Capitol One by 2nd of each month for the duration of this loan, to this date. Please help me!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
i filed a dispute in the beginning of the month of XXXX for items listed on my credit report that is inaccurate i have yet to hear back or receive a response, I also sent the letter certified mail.

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 2021-03-25 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: IL

Complaint narrative:
i filed a dispute in the beginning of the month of XXXX for items listed on my credit report that is inaccurate i have yet to hear back or receive a response, I also sent the letter certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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 is incorrect
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
On XX/XX/2021, I applied for an online checking account at XXXX with a {$200.00} cash offer to open the checking account. After I filled out the information and submitted the application, I received a notice that my application for a checking account was denied. I received a notice that XXXX would not open a checking account because of information from Early Warning Services. I attached the notice to this complaint. On XX/XX/2021, I contacted Early Warning Services to find out what is going on. They wouldn't give me the information over the phone. They claimed that it would take several days to send me the report. I requested for the report. They emailed me a Deposit Score that I attached to this complaint. Early Warning Services could not help me fix the problem. On XX/XX/2021, I called XXXXXX/XX/XXXX to find out if I could get someone to help me open the checking account or a least find out the reason my account was denied. However, everyone I talked to did not seem know what to do. They all sent me to different people and no one was able to help me. After talking to a few different people, I was sent to another department that was not able to help me and my call was ended. I do not understand why I was denied a checking account. I have not committed any fraudulent activity. I work for the U.S. Attorneys Office in the Department of Justice. I received an extensive background check for a security clearance. I would lose my job if I committed any kind of fraud. I have not over drafted any of my bank accounts. I have checking accounts with XXXXXX/XX/XXXXXXXX XXXX and XXXXXX/XX/XXXX Applying for a checking account has never been an issue and this is the first time I was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
I have been trying to resolve inaccurate credit reporting by Specialized Loan Servicing. They have corrected the comments on my credit reports but still show 120+ late payments for a property that I did not own during the reporting dates in XXXX and XXXX. 

I am in the process of refinancing my home loan and the late payments are affecting my loan. In the process I also found out that they filed a foreclosure on the property in late XXXX with my name and my wife 's listed on the documents. We were not the owners of this property ( See Attached Documents ). 

I have called this company on XXXX XXXX, XXXX @ XXXX, spoke to a representative who said this would be fixed XX/XX/XXXX. Called again on XXXX XXXX and XXXX. Each time put on hold for 30+ Minutes, told that I'm holding for the escalation department who never answers or told that someone will call me back. All contact ended with no results.

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 2021-03-25 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc.
State: MN

Complaint narrative:
On XX/XX/XXXX I almost lost {$900.00} dollars to a scam. I realized it after I gave them the card numbers. I quickly called Vanilla Mastercard, to cancel the cards. I asked for replacement cards and they said it would be about two weeks. The cards never came. I called them again on XX/XX/XXXX. Then they told me It would be 30 days and they said they put in for the cards for me, I waited five weeks and still no replacement cards. I called them again after 30 days and they told me they had just been sent out, and that they send them out AFTER 30 days had passed. It is now XX/XX/XXXX and I still have not received my replacement cards. I am a XXXX veteran on a fixed income, I can not afford to not have these cards. I was unable to pay my XXXX rent because of this scam as it is. I am seeking assistance from a veterans resource to pay my back rent because I don't have the money. If I get these cards I can pay bills with them and start paying my back rent. I am, however, not able to get cash off of the cards, but paying bills with them will free up some money for me. The two cards were a total of {$900.00}, {$400.00} on one and {$500.00} on the second one.

Company response to consumer: Closed with explanation