vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: E*TRADE BANK
State: TX

Complaint narrative:
I originally received an insufficient funds notice from E*Trade and I do not have an account with them. I then pulled a XX/XX/XXXX consumer file and indeed had an inquiry from E*trade on there. I called E*Trade and they advised me that I do not have an account and that nothing exists. I then wrote a formal dispute to E*trade with the letter attached and the consumer file and have yet to hear back. Getting someone on the phone to help is very difficult as well because I do not have the account number in question. Please help me resolve this account and make sure that it does not impact my consumer file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I was charged XXXX in interest fees in XXXX. I was also charged {$5500.00} in XXXX. 

All these interest were resulting directly from ( 14 ) disputed disputed transactions, and ALL interest was legally to be refunded / removed from the account. 

Wells Fargo did refund me the actual amounts of the 14 transactions in XXXX & XX/XX/XXXX, but none of the interest were removed except for a small {$310.00} interest credit. 

I have complained several time about it to no avail. last time XXXX responded to me in a letter that all interest were adjusted as shown on the statements between XXXX and XXXX XXXX but this is factually incorrect as the 14 credits I did receive on the account are only the original amounts of the 14 disputed transactions, but no interest were adjusted ( except for 1 credit of {$310.00} ). i latter spoke with Wells by phone, and after the rep realized he was wrong, all of a sudden he changed the excuse to say that i was not entitled to a refund for the interest credit because I never paid for the interest. that's also not true because the 14 disputed transaction credits were applied to pay off the entire outstanding balance which balance included the {$23000.00} interest that accumulated on the account since XX/XX/XXXX through XX/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 monetary relief
Consumer complaint received 2020-11-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
i financed a XXXX used XXXXXX/XX/XXXX with XX/XX/XXXX IN XX/XX/XXXX already with a high interest rate and horrible business practice and reporting my information incorrectly i traded in the vehicle on XX/XX/XXXX, with XXXX XXXX, my first payment to XXXX XXXX was due and paid XX/XX/XXXX, XX/XX/XXXX continues to report to the credit agencies late payments for XXXX, XXXX and XX/XX/XXXX despite receiving the pay off in XXXX, and despite supposedly not holding anyone accountable for LATE payments in XX/XX/XXXX during the pandemic and stated they will not be reporting late payments, even with this in place i made all my payments through out the lockdown including my XXXX payment to avoid this, i have disputed this several times with the bureaus sent in documentation to XX/XX/XXXX intially i was told it will be corrected and still they are validating the matter with the buraus and refuses to lift these late payments off my report despite its inaccurate ... how can i have a late payment in XXXX or XXXX when credit acceptance acknowledges they received the payoff check XX/XX/XXXX? my payments werent due until the XXXX of every month i spoke with a stepahanie at credit acceptance in the escalations department who tries to justify this by stating they report at the end of the month, which still wouldn't give an explanation for a late payment for XXXX this is heavily effecting my credit and they refuse to acknowledge their error of fix it. my relationship or legal obligations ended in XX/XX/XXXX and they still report a late payment for XXXX and XXXX as well as XX/XX/XXXX who intially claims they will not do my understanding is that XX/XX/XXXX IS currently being sued for these illegal practices and im willing to join the class act lawsuit because i have documentation of all my on time payments and proof this contract was terminated prior to the dates they are reporting

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 2020-11-16 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/2019 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I have been a victim of identity theft and I notified XX/XX/XXXX, Equifax, and XX/XX/XXXX about this XX/XX/XXXX account showing up on my credit report as a charged off account. I have been notifying them for months and even sent police report and somehow this account still gets updated and verified as accurate. The only credit bureau who actually did the right thing and removed this inaccurate account was XX/XX/XXXX. I don't see why this account did not get removed from XX/XX/XXXX and Equifax as should.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Im making a complaint against XXXX XXXX XXXX XXXX For some reason this account ended up on my experian report Ive reached out to the company more than 3 times but the account the day belongs to me is not mine, I was homeless for the time they said I had the account. In 2018 I was completely homeless and jobless how did I get any service from this company. Around the same time me and my wife identity was comprised and I told the credit bureau experian this but this account is still hanging around. I am very concerned with the level of identity theft going on in our country right now let alone my state. I actually had my identity stolen before so I know for a fact that this must be the same thing. This account isnt mine and the creditor wont tell the credit bureau experian the truth, its not mine and needs to be removed

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 2020-11-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I called the number for York County XXXX to resolve a debt listed as a judgement/lien ( Reference # XXXX ). I was just going to pay it to release the judgement as I am attempting to obtain housing but they would not accept payment because I could not remember the exact address I had at the time the debt was incurred. There has to be a way to get this taken care of quickly. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I received a collection notice from a firm for a XXXX credit card purchase and penalty and interest. The card was issued from Comenity Bank. I have no record of the credit card, no record or awareness of the purchase. I never received any information from XX/XX/XXXXComenity regarding a credit card, terms of the credit card, the disputed transaction ( including item purchased and sales cost ), annual percentage rate, terms of payment, late payment penalties, or any other notifications that may be required under the Truth in Lending Act, Fair Credit Billing act, or other fair credit/consumer protection act. 

I reviewed this with one of the collection companies. After numerous conversations about the situation, I was finally provided with a copy of a credit card bill, with no information of a transaction, but only a statement of past due amount and interest and penalty charges for that month. I requested documentation of the transaction but none could be provided. I therefore filed fraud dispute. 

Comenity Bank responded to the dispute stating that their investigation found no basis for my dispute and they would thus commence forwarding statements to me. They have still provided no information regarding a purchase transaction, a credit card, terms of the card, etc. Their response stated that they received my dispute on XX/XX/XXXX and they " completed their investigation '' and composed their letter one day later on XX/XX/XXXX. 

In conversations with the collection company it was found that the alleged credit card bills were sent to a general area where I was living but it was improperly addressed to an address that does not exist. I would never have provided that address to anyone, and I am not aware how they obtained it. 

I have been harassed by collection companies for months on this issue and have never received any information to validate their claim of a purchase or credit agreement. 

Past correspondence to Comenity is attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX I zelled over XXXX expecting a product. I was previously under the assumption that I had been scammed because he wouldnt get back to me but he got back to me recently saying that he never received the payment even though the money went out of my account so he didnt send over the product I was supposed to receive. I dont know the legitimacy of his claim but if this is is true I dont know why my money went out.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
XX/XX/XXXX, I ordered a washer and returned it to recieve another one. The other washer was returned but instread of giving me credit for that washer, HD applied it to my account that was riding on an " interest free '' that was not due til XXXX or XXXX. Of course it took several hours for the credit card carrier to figure this out. I requested an extention on my other accounts that were expiring to " start over '' and its was approved. I just learned that an amount of {$270.00} interest has been applied and that the accounts linked are not available online for me to see or dispute.

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 2020-11-16 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:
Transunion is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

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 2020-11-16 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:
Dated XX/XX/2020 and XX/XX/2020, I requested " a description of the procedure used to determine the accuracy and completeness .... '' FCRA 611 ( a ) ( 7 ), which is used for such a request, states : " A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. '' The bureau, in conjunction with the consumer reporting agency, failed to deliver requested information in a timely manner as detailed in several laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Dynamic Recovery Solutions, LLC
State: GA

Complaint narrative:
Dynamic Recovery Solutions contacted me on XX/XX/XXXX for a capital one credit card account that was closed in XXXX. This debt has not been validated and it is passed the statute of limitations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-16 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: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
Creditor was advised of personal difficulties regarding reduced employment and lack of financial ability to satisfy debt due to COVID-19. Creditor indicated account deferral was available and - notwithstanding said deferral - subsequently reported account delinquent to the credit reporting agencies ruining an otherwise perfect credit history. Creditor should investigate and correct account history consistent with protections available for those negatively impacted by COVID-19.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
I called Loan Depot on XX/XX/XXXX to refinance my mortgage. I spoke to XXXX XXXX @ XXXX XXXX XXXX XXXX. He ran my credit report on XX/XX/XXXX and it was XXXX. I provided him with necessary documents in order to proceed with the loan. I also mentioned to him that I have solar panels and he said it would not be a problem. 

On XX/XX/XXXX, I received an email from XXXX XXXX XXXX ( Production Analyst- Loan Depot ) informing me that my loan has been conditionally approved. 

On XX/XX/XXXX, I received a voicemail and a message from XXXX XXXX informing me that there is a solar lien that is tied up to the property so they can't process the refinance. She sent the file back to the loan officer XXXX XXXX. I have been trying to contact XXXX but he was not returning my calls or answering my emails and text messages. 

On XX/XX/XXXX, I called Loan Depot. Their representative was able to find XXXX XXXX ( XXXX ) who is a Production Manager and supervisor of XXXX XXXX. She sent an email to XXXX XXXX regarding my request for update on the refinance and other concerns. 

On XX/XX/XXXX, XXXX XXXX called me saying that they were unable to roll in the cost of solar panel loan into the refinancing. He added that they were unable to continue with the refinance loan as written. 

On XX/XX/XXXX, I texted XXXX XXXX to remove the hard inquiries from my credit score since they're not going to proceed with the loan.They have not done anything. He refused to remove the hard inquiries on my credit score and all he did was argue with me thru texts. 

I called XXXX on XX/XX/XXXX inquiring about their lien on my property. The representative said it is under UCC1 - Uniform Commercial Code 1 financing statement. He said the lien can be temporary lifted, just send authorization letter. Loan Depot could have just called XXXX to temporary lift the lien. But they have not done anything. I have to research this myself. I haven't heard from XXXX XXXX since XX/XX/XXXX. They don't follow up and were not competent. 

All I am requesting is for them to " remove the hard inquiries on my credit report ''. It dented my credit score. I do not know if I can refinance anymore or have a better chance of refinancing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 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: TN

Complaint narrative:
I recently filed a complaint informing that I am a victim of Identity Theft. The credit bureau failed to block and remove ALL the items included in my last letter.

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 2020-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Im making a complaint against trans world system inc. For some reason this account ended up on my XX/XX/XXXX report Ive reached out to the company more than 3 times but the account the day belongs to me is not mine, I was homeless for the time they said I had the account. In 2018 I was completely homeless and jobless how did I get any service from this company. Around the same time me and my wife identity was comprised and I told the credit bureau XX/XX/XXXX this but this account is still hanging around. I am very concerned with the level of identity theft going on in our country right now let alone my state. I actually had my identity stolen before so I know for a fact that this must be the same thing. This account isnt mine and the creditor wont tell the credit bureau XX/XX/XXXX the truth, its not mine and needs to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 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: NJ

Complaint narrative:
I have 2 leases with XXXX XXXX. I have had excellent payment history on both accounts, until the national lockdown in XX/XX/2020. The world suffered from this pandemic and during this time everything non-essential was closed. We contacted XXXX immediately requesting a deferment which was granted. We continued timely payments even though our NJXX/XX/XXXX is only at 25 % capacity ( which equals 17 seats ). I believe that reporting a late payment, while the world was shut down and experiencing uncertainty to the future, is completely unfair. 
As we continued with perfect payments, we are trying to purchase a home since our lease is expired and our landlord wants us out so she can sell her rental. Unfortunately, this negative reporting on 2 accounts lowers my score unfairly. This derogatory reporting will affect our ability to secure a good mortgage or a fair interest rate. 
Please help a XX/XX/XXXX survive these uncertain times and help us enjoy our hard work & perseverance as a survivor and not a victim. 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 2020-11-16 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: NJ

Complaint narrative:
I have 2 leases with XXXX XXXX. I have had excellent payment history on both accounts, until the national lockdown in XX/XX/2020. The world suffered from this pandemic and during this time everything non-essential was closed. We contacted XXXX immediately requesting a deferment which was granted. We continued timely payments even though our NJ cafe is only at 25 % capacity ( which equals 17 seats ). I believe that reporting a late payment, while the world was shut down and experiencing uncertainty to the future, is completely unfair. 
As we continued with perfect payments, we are trying to purchase a home since our lease is expired and our landlord wants us out so she can sell her rental. Unfortunately, this negative reporting on 2 accounts lowers my score unfairly. This derogatory reporting will affect our ability to secure a good mortgage or a fair interest rate. 
Please help a small business owner survive these uncertain times and help us enjoy our hard work & perseverance as a survivor and not a victim. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have 2 leases with XXXX XXXX. I have had excellent payment history on both accounts, until the national lockdown in XX/XX/2020. The world suffered from this pandemic and during this time everything non-essential was closed. We contacted XXXX immediately requesting a deferment which was granted. We continued timely payments even though our NJ XX/XX/XXXXis only at 25 % capacity ( which equals 17 seats ). I believe that reporting a late payment, while the world was shut down and experiencing uncertainty to the future, is completely unfair. 
As we continued with perfect payments, we are trying to purchase a home since our lease is expired and our landlord wants us out so she can sell her rental. Unfortunately, this negative reporting on 2 accounts lowers my score unfairly. This derogatory reporting will affect our ability to secure a good mortgage or a fair interest rate. 
Please help a XX/XX/XXXXsurvive these uncertain times and help us enjoy our hard work & perseverance as a survivor and not a victim. 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