vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
My mom XXXX  at the end of XXXX and Ive been trying to rectify all the financial mess. I began getting multiple ( XXXX times per day ) calls from reps saying they were calling on behalf of Comenity and a Wayfair card account. It has been an absolute assault - calling from multiple numbers, multiple times per day, and having multiple representatives call multiple times per day to threaten me with legal action ( particularly from XXXX ) - it reached a fever pitch this month. Ive requested numerous times- XXXX numerous times and XXXX : XXXX, XXXX, the XXXX and the XXXX- for proof of debt and to stop being harassed. 
After requesting a proof of debt statement and requesting again to stop being harassed, I received a call on Tuesday XX/XX/XXXX and had a long conversation with an agent that called from the now blocked XXXX XXXX XXXX who identified herself as calling on behalf of Comenity and my wayfair  card and using threatening language. I first asked this agent if the call was being recorded and she said yes and i asked her to make sure it was available for review as I was filing a complaint. I then asked her again to identify who she was calling on behalf of and she said Comenity bank re : my wayfair  balance. I explained to her I had asked for a proof of debt statement and had told them multiple times I was being harassed by phone calls and threatening messages which I understood was a violation of fair debt practices. Additionally I told her I had requested a proof of debt statement about a Wayfair card and my understanding once that was requested debt collection calls were to discontinue. She argued with me saying she cant control what other agents do. I told her - well - I believe it is a law .. so, Id suggest to Comenity they follow the law if youre saying they dont. We hung up and I was called 4 more times that day from a variety of numbers stating it was Comenity on behalf of a past due Wayfair account and theyd be taking legal action and needed to get a lawyer if I didnt have one helping me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Ive noticed unauthorized inquiries AND an account on my report OR someone applied for something in my name. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report. Also, My information might have been impacted by the XXXX data breach and may have got into the hands of the wrong person. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, VA 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 2023-01-31 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: MD

Complaint narrative:
I sent a letter to XXXX on XX/XX/2022. Its been well over 30 days, i still havent received anything back. 

According to 15 USC 1681i ( a ) 1 ( A ) XXXX, XXXX, and Transunion, have 30 days to respond to my dispute This is a violation of my rights.

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 2023-01-31 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: MD

Complaint narrative:
I sent a letter to Equifax on XX/XX/2022. Its been well over 30 days, i still havent received anything back. 

According to 15 USC 1681i ( a ) 1 ( A ) XXXX, Equifax, and XXXX, have 30 days to respond to my dispute This is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 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 have tried every month over the last year to get these accounts that do not belong to me removed from my credit reports, they keep saying " verified '' and then when I ask how it was verified I get no response and start the dispute process over again. I have supplied definitive ( signed and/or notorized contracts ) proof that these accounts do not belong to me! If they are not removed voluntarily I will be forced to proceed with legal action.

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 2023-01-31 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: CT

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate XXXX payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over XXXX  days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX  days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over XXXX  days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and XXXX  have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 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: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
DEAR ; OLD NAVY CREDIT CARD ; XXXX ; I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of the consumerto dispute information directly with the furnisher.

I'm also exercising my rights under section 9-210 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ). REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT, and if not received within 14 business days, I will be deemed this account settled and closed and removed from my ALL major credit reporting agencies. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this 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 2023-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I purchased and financed my home through wells fargo the first time in XXXX. I have refinanced twice with them. Wells Fargo has the wrong address on my mortgage. I have tons of documents and XXXX from the closing process from their lender stating this was taken care of. I started the formal complaint process with them XX/XX/XXXX. My property has XXXX houses on XXXX tax lot. My address ( the main address ) is the one that should be listed on all documents. This is a huge problem when paying taxes and insurance from escrow. 
I have been through over 23 phone calls, 3 executive reviews and many phone calls with the county. 
XXXX, XXXX XXXX land use office said Wells Fargo never asked what address was the correct address for the property. He shared all he had from Wells Fargo 's investigation investigation. He agreed Wells fargo was incorrect. 
XXXX XXXX and XXXX from the XXXX XXXX land development agreed with me that Wells Fargo has it wrong. 
XXXX XXXX assessors and tax office concurred Wells Fargo has it wrong. 
Wells fargo themselves admitted they had it wrong by looking at the documents from the previous two times I have financed this property with them. This a major problem as they are not paying my taxes or insurance properly without my intervention. This resulted in me coming within days of my homeowners policy being cancelled. This will continue to be an ongoing problem as I will have to make sure they pay things to the correct place and account every time. The third and final executive review left me no other recourse but to report them. They have reputedly asked me for proof of address change- There has been no address change in my 20 years of living here. I am beyond disappointed with 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 monetary relief
Consumer complaint received 2023-01-31 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: NY

Complaint narrative:
I HAVE JUST NOTICE THIS INACCURATE ACCOUNT REPORTING ON MY CREDIT REPORT AS OF XX/XX/2023. I HAVE NOT AUTHORIZED ANY OF THESE INQUIRIES OR ACCOUNTS DEOGRATORY OR IN COLLECTIONS. AS XXXX IN THE PROCESS OF PURCHASING A HOUSE AND THIS IS STOPPING AND SLOWING THIS PROCESS. I WOULD LIKE FOR ALL INACCURATE INFORMATION TO BE REMOVED FROM FROM XXXX REPORTS XXXX CREDIT BUREAS ASAP PERMANENTLY AND INDEFINITELY! 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 2023-01-31 00:00:00
Product: Credit card or prepaid card — Store credit 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: PatientFi, Inc.
State: DC

Complaint narrative:
I had a meeting today with my banker to obtain a line of credit for my medical practice. He asked me about my XXXX XXXX and when I looked it up XXXX of the scores were in the XXXX 's and XXXX in the XXXX 's. I thought it was strange so I decided to look it up to see why it could have been so low. I saw that there was an account opened while My wife and I were in the hospital welcoming our second son. I have submitted a dispute with transunion, called the office in which the fraud has occurred, and the credit company in which extended the credit. I have not lived in the address provided for more than XXXX  years and I do not know of the number that was used in the transaction.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Armada Corp.
State: WA

Complaint narrative:
The bills that I have been paying on are extremely old. I pay {$100.00} a month and never seems like I'm getting anywhere. This company either is not applying payments to my account or is charging outrageous fees to where I can not get out of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
I referred my wife XXXX XXXX ( XXXX ) who opened a Venmo account and fulfilled the terms for the referral on XX/XX/16. But we never got the referral bonus. Customer service has stopped replying to her emails and when I ask them they give me the runaround by asking my wife to contact them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I HAVE JUST NOTICE THIS INACCURATE ACCOUNT REPORTING ON MY CREDIT REPORT AS OF XX/XX/2023. I HAVE NOT AUTHORIZED ANY OF THESE INQUIRIES OR ACCOUNTS DEOGRATORY OR IN COLLECTIONS. AS IAM IN THE PROCESS OF PURCHASING A HOUSE AND THIS IS STOPPING AND SLOWING THIS PROCESS. I WOULD LIKE FOR ALL INACCURATE INFORMATION TO BE REMOVED FROM FROM COMSUMER REPORTS N CREDIT BUREAS ASAP PERMANENTLY AND INDEFINITELY! 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 2023-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Hello, XXXX You've successfully sent {$370.00} to XXXX XXXX. 
XX/XX/2023 XXXX ID : # XXXX It take XXXX for this transaction to appear in account statement. 
Order Details : You Sent {$370.00} USD To XXXX XXXX XXXX : {$370.00} Issue With Transaction? 
You have XXXX from the date of this transaction to open a dispute. 
XXXX : XXXX ( XXXX ) XXXX If you have any queries regarding this deduction kindly call us our support team will help you XXXX at XXXX ( XXXX ) XXXX Thank You PayPal team Please do not reply this Email. This Email is not monitored and you will

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 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 — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
I was getting gas at a convenience store when I gave the attendant  my XXXX XXXX credit card. He tried to charge {$1200.00} on the card and XXXX  XXXX declined it due to suspicios activity. I did not know this until after I gave the attendant  my American Express for {$15.00} in gas and he then charged the {$1300.00} on the American express card. Within about 20 minutes I saw that a few charges were on my American Express card that did not make sense and XXXX XXXX had declined the {$1200.00} attempt. I immediately contacted American Express to report the fraud ...!!! I was told that " Pending Charges can not be disputed ( I have this inwriting from American Express and written chat from me reporting the fraud and them doing nothing about it except charging me the {$1300.00}. I could see if I had waited but I reported it immediately and thank XXXX XXXX XXXX declined the suspicion charge since buying a large amount of anything at a gas statin would be ridiculous!!!! 


XXXX XXXXXXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Card Member : XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: DISCOVER BANK
State: NY

Complaint narrative:
Between XXXX to XX/XX/2022, I was scammed purchasing clothes from an individual who claimed my package was flagged for 'XXXX XXXX ' by the police and coerced me into sending him continued payments. Attached are conversation logs with the individual as well as the fabricated police report sent to coerce me into payment. I contacted Discover Bank with the same evidence presented below and was not only met with no response from their dispute center for about a week ; but when I had contacted them they said they could not do anything about the dispute and subsequently sent letters claiming that they had contacted the seller and received no response, to which they have justified the transactions. I have further attached a log of the dates and transactions that had been posted to my Discover checkings account. I am appalled that with this level of evidence Discover has shut me out and claimed that I am in the wrong in this situation. I have also contacted XXXX, who not only refused to take my case but did the same for another dispute regarding the scam of {$95.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 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: TX

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-01-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Arundina, LLC
State: LA

Complaint narrative:
My elderly client missed her first payment in XXXX of 2023. She contacted the mortgage servicer in XXXX of 2023 to make a payment for the missed months of XXXX and XXXX, but the servicer rejected it as a partial payment, requiring that she pay all the payments through XXXX. At the time the servicer rejected her payment, it was less than 30 days past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Ive noticed unauthorized inquiries AND an account on my report OR someone applied for something in my name. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report. Also, My information might have been impacted by the XXXX data breach and may have got into the hands of the wrong person. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, VA 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 explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: TX

Complaint narrative:
I have an issue with the AmeriHome Mortgage Company XXXX # XXXX. I have a VA loan with them. This is not my first or only mortgage, but by far the worst customer experience. 

On XX/XX/XXXX, the bank made a {$8600.00} payment for my taxes that required an escrow advance from the bank of {$480.00}. My mortgage payment was immediately adjusted to {$2400.00} to make up the shortage. On XX/XX/XXXX, I made a {$700.00} escrow Only payment to cover the deficiency in the account. I called the bank on XX/XX/XXXX when I noticed the payment didn't register and my monthly payment amount wasn't adjusted down. I was told that a ticket was submitted and the amount would be adjusted. I was also told that this bank doesn't allow for extra payments towards escrow and that a refund would be issued if the amount was down. After a week I noticed nothing was changed. On Amerihomes website, there is a secure messaging center. Those persons were nothing short of rude. First message was XX/XX/XXXX, I got a response on XX/XX/XXXX First I was speaking to a XXXX XXXX - who when I attached screenshots in the secure message from their website I was messaging from. she accused me of using the wrong website ( which made no sense as you can only message in the secure center through their website ). I responded on XX/XX/XXXX, didn't hear back until XX/XX/XXXX. Then she said I didn't make a payment without even checking. When I called, they clearly saw the payment, when I informed her and sent a screenshot, she kept claiming to not see it. When I asked for a supervisor she sent me to a coworker on XX/XX/XXXX XXXX XXXX XXXX. This person was even worse asking for a screenshot in XXXX  XXXX. I refused and responded that it was ridiculous, the payment is on file and the customer service can see the payment. I sent this message the same day XX/XX/XXXX. I have now been passed to another representative in the same secure message XXXX XXXX who responded on XX/XX/XXXX and is stating that now she sees the {$700.00} payment on XXXX XX/XX/XXXX. The shortage was only {$480.00}. However now she is saying my escrow must be at {$1600.00} at all times. My payment in XXXX will put another {$720.00} in escrow. So there will be extra at the end. This is a constant back and forth and the information has been conflicting. When I called on XX/XX/XXXX I was told by a XXXX, that she fixed it and my amount is being adjusted. Now they are saying it is still short. That is incorrect and unreasonable. This bank has been unprofessional and nonresponsive for days. It is now over a month and this hasn't been rectified. Just want people to know what they are getting into and I want this resolved. No policies were provided at all. This is a VA loan, they can't just change things how they see fit.

Company response to consumer: Closed with explanation