vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-04 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX, I purchased an excursion for Alaska  through XXXX/XXXX XXXX in the amount of {$450.00}. The transaction shows a date of XX/XX/XXXX. 

I bought insurance for the excursion from XXXX XXXX for {$26.00} on the same date ( XX/XX/XXXX ). The transaction date shows XX/XX/XXXX. 

On XX/XX/XXXX, I purchased another Alaska excursion through XXXX/XXXX XXXX in the amount of {$230.00}. The transaction date shows XX/XX/XXXX. 

I bought insurance for the excursion from XXXX XXXX for {$13.00} on XX/XX/XXXX. The transaction date shows XX/XX/XXXX. 

Totaling {$730.00} I purchased these excursions in XX/XX/XXXX for my XX/XX/XXXX XXXX XXXX. The cruise was canceled and I rescheduled for XX/XX/XXXX. Instead of receiving a refund, the company said they would honor the two excursions for the XXXX XXXX XXXX 

I then received word from my travel agent in XX/XX/XXXX that XXXX/XXXX XXXX was in financial default and no one would be receiving their money or get their excursions. I was told by my agent to file a claim with the credit card company for a refund due to NOT receiving the services I paid for. I filed a claim by phone on XX/XX/XXXX. On XX/XX/XXXX I received notification that the claim was denied and closed. 

I went inside the bank this time on XX/XX/XXXX, to file another claim. I spoke to an associate who had to file the claim by phone. She explained to the person that I had not received the services for which I paid for and explained to them the business was in financial default under receivership ( State of Wisconsin ). The person told the associate the issue was between me and the merchant. She then reiterated that the business was in financial default. The claims person said they were not responsible for the Government shut down and refunding me the money. 

On XX/XX/XXXX, I attempted to file a claim online with Wells Fargo. I can not do so because the online banking is not showing the transactions for those purchases. It shows all my other purchases, but not those mentioned above. I do have them on my XX/XX/XXXX bank statement. 

The debit/VISA credit card used was through Wells Fargo Bank. 

Thank you in advance for your assistance.

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 2021-02-04 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: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
Chase Auto is reporting me late on XX/XX/XXXX and that is inaccurate. I recently checked my credit file and noticed this late reporting on my credit. I was really confused because I had talked to them because I needed to trade in my car. The girl I spoke to about the manner let me know that the payment for the month of XXXX did not need to be paid. She explained that it would be transferred to the new loan and that's when I would make my payment. I did as she told me to and made my first payment on the new loan in XXXX thinking that covered XXXX payment as I was told. Well, I look on my credit and noticed that they were reporting a XXXX late?!? Had I known that would've happened I would have just paid the account but I was specifically advised not to and I got reprimanded for doing something your employee advised? This is not my fault and this must be fixed. Also, under the federal mandate and CARE act you are not allowed to file negative notations on credit during this pandemic.Please remove the late from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: IL

Complaint narrative:
ON XX/XX/2020 A CABLE BILL WAS OPENED UP IN MY NAME WITHOUT MY CONSENT. THE BILL IS {$980.00} DOLLARS. ORIGINAL BILL IS XXXX BUT NOW THIS COMPANY IS TRYING TO SAY ITS MINE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 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: CA

Complaint narrative:
I am a victim of identity theft and did not make the charges. I ask that the items be blocked to correct my credit report

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 2021-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings
State: AZ

Complaint narrative:
I have disputed this debt, I know for a fact that prior to XX/XX/XXXX i had not opened any accounts since XXXX. I mailed them a letter, attached and that was first week of XXXX  XXXX. I have not heard back - i did notice my credit report now says i disputed it and it meets fcra requirements. This is not my debt

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 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: NV

Complaint narrative:
XXXX reported to Experian that my account was closed and a charge-off, but I have never made a late payment and I don't carry more than a {$100.00} balance ( {$3000.00} credit limit ). The problem I am having is my other credit card company XXXX said they received information from Experian about this XXXX account and as a result have reduced my credit limit from {$5000.00} to {$1300.00}. I've tried to explain this, but my credit limit with XXXX hasn't been restored ( since they're using false information ). 

I receive an email from Experian acknowledging the false information and that my report has been updated as of today XX/XX/2021. I am in the middle of refinancing ( being added to a mortgage ) and I need to make sure my credit stays as it was when I applied.

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 2021-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. 

Initial dispute XX/XX/XXXX 30 day demand XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Im filing this complaint because this company is being unfair. I paid the collection amount and I am no longer liable on this account and they agreed to delete it from my credit reports. I already settled the account. Upon my conversation which resulted in payment, I was assured that the account would no longer report to my credit bureaus. 

My family is dealing with a lot of problems lately including a lease that will not be renewed so I am trying to purchase a home but I am unable to move forward as a result of PORTFOLIO RECOVERY ASSOCIATES placing this collection account on my credit report. My credit scores have dropped by over 60 points as a result of this one paid closed account. 

I would sincerely appreciate if they would submit a request to completely remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Adjustment Service, Inc.
State: NJ

Complaint narrative:
Since XXXX, 2019, I have been asking this company for information verifying this debt, but all I keep receiving is a billing statement with phone numbers that I do not own. There are no verifying documentation given. The credit bureaus keep stating that the account has been verified, but I'm confused because I've gotten nothing from the creditor to verify this debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Purchased a product promising free extra service time that was never delivered for approximately XXXX dollars. 

Attempted to return misleading product on XX/XX/2020 and was denied. 

Card issuer also denied 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 2021-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
I am trying to clean up my credit report from an injury i had in XXXX. I notice there is a creditor LVNV funding linked to a XXXX XXXX Credit card i have no memory of. I saw original debt was XXXX which is when me and my child 's mother split up. I originally disputed it stating it belonged to my ex. because i do not believe I ever received that card. She is still at same address as then. I just had forgotten about it. XXXX XXXX I sent them a letter asking for proof, a signature, anything with my agreement. They sent me back a court document from the county i live and it appears they got a judgement on me for the amount owed and its funny how it goes up by a random numb er at strange intervals. I was never supenia 'd - i was never advised of this court date or of this debt for that matter, whenever i call they are rude. After coming here It appears i am not the only one - LVNV has a history of scare tactics to get dirty money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 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: CORELOGIC INC
State: CA

Complaint narrative:
There was an inquiry on my XXXX  credit report from XX/XX/2020, that was a result of identity theft. I discovered this during a review of my credit report. I called XXXX and they told me to contact the reporting company. I immediately put a freeze on my credit reports. I called Credco who made the inquiry and was told that the inquiry was from XXXX XXXX. I spoke to the dealership manager who told me about the applicant who applied for the credit. I verified my information and proved it was not me who applied for the credit. I spoke to Credco and was told to file a police report and a report with Identitytheft.gov. I did both of these and emailed them the reports asking them to remove the inquiry from my credit report. 

When I spoke to XXXX at Credco today, she told me that they now require me to send them a copy of my social security number, my driver 's license, and a copy of a utility bill. I told her that they never requested that information before and asked her if I sent them the additional documents if they would immediately remove the inquiry from my report and she was not able to guarantee me that they would. I told her that the information they are requesting is very sensitive and I do not feel comfortable releasing this information to a company that has not been authorized to receive this information and they could use it to further steal my identity now that they have a copy of my social security card, driver 's license, and utility bill. How can I be sure that they are not part of the identity theft scam? 

In essence, I told her that they are re-victimizing me by refusing to remove a fraudulent inquiry in spite of proof from a police report which they requested.

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 2021-02-04 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BTH Management
State: MI

Complaint narrative:
Plaza Services is reporting a debt ( collection ) to the credit bureau in amount of XXXX on behalf of their client XXXX XXXX. Plaza services did not notify me of the debt nor, give me an opportunity to dispute or resolve debt before reporting to the credit bureau. I mailed a dispute correspondence to Plaza Services on XX/XX/2021. Also, I called XXXX Plaza Services on XX/XX/2021, and no one answered. I went to their website at https : //plazaservicesllc.com/, entered the account info and last 4 to access account information. When I entered the verifiable information, a message populated that no account could be located with the account number and last 4 of SSN that I provided. 

I would like to file a complaint because, I have disputed this account with the credit bureau, and some how the account has been validated as accurate through the bureau. However protocol according to the Fair Debt Collection Practices Act was not performed. Section 809. Validation of debts was violated by Plaza Services.

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 2021-02-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Ok so this is the third complaint After reviewing an email sent to me I have found that the insurance that Huntington has used to pay for the damages done to the home does not cover my detached garage that has damage done to The issue is that the insurance I signed for and Huntington messed up at the time of closing would of coved my garage so now bc of Huntington my garage roof has damage and isnt being cover because of their mistake Second issue the deductible for the insurance I signed for at closing was I think XXXX $ Well the insurance that Huntington used is 2000 $ so I lost XXXX $ because of Huntington Third problem My ceiling has water damage from the roof leak and it is not being cover bc the inspector said that occurred over time It it took forever for Huntington to figure out that they messed up and send an inspector out so while all this was happening my roof had damage that I personally went up and slowed down with tar to try to save my house Fourth I call and call and call and never get a call back Ive called XXXX XXXX XXXX XXXX XXXX XXXX XXXX All today and left messages Ive called XXXX 3-4 times in last two weeks and no call back Ive called her a few times over the last few months and no call back So when it says the damage occurred over time its not me at fault its the people never responded to my calls and Im tired of it All the money Huntington is going to make on the loan at 4. Some percent and they cant even fix their mistakes in a timely manner its disgusting how bad the treatment is being a customer I should of known not to use Huntington when I had issue before even buying the house

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 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:
Ive discover that I been a victim of identity theft. I found out someone unknown to me used my personal information to open accounts with. XXXX XXXX  account number ( XXXX ) and XXXX XXXX  account number ( XXXX ). I immeaditly called the credit breuas to let them know of my findings and they advice me to file a FTC report and I send it to them and a month later I checked on my credit report again and fraud accounts that was opened using my information it still shows on my report

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 2021-02-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2020 I XXXX XXXX made a phone call to XXXX XXXX XXXX to take care of a debt that I incurred from XXXX XXXX XXXX in the amount of {$850.00}. At the time of speaking with the debt collector they set me up with two separate payments which was requested by me. On XX/XX/2020 I made a payment of {$420.00} and then of XX/XX/2020 I made the second payment via an auto draft from my bank account of {$420.00}. On XX/XX/2020 when I made the first payment I asked the debt collector representative that was taking my payment that once I made the final payment would there be something sent to the creditors on my behalf to remove or delete as that was what I requested and they said yes once the final payment had been received. They also informed me that they will automatically mail me out a letter stating that it had been paid in full. Once I made the final payment on XXXX XXXX and I did not receive anything in mail after a week I called the debt collector and asked them why I had not received anything in mail and thats when they told me that I had toc all and request that. I explained that the last representative that I spoke with did not tell me that I needed to call in however, she stated that it was something that they automatically did. To my surprise I did not get accurate information. Also, to have it removed or deleted the representative told me that it was something that was available upon request which I did request However, only to find out that this has not been removed or deleted from my credit. The last report showed that it was indeed paid in full but also as an active account which is not the truth. According to my research this is a UDAAP violation when there is Deceptive Acts of Practice which was very misleading for me and an very unnecessary process to do the things that I need to do.

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 2021-02-04 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Bank of America. The Account Opened is Bank of America Account Number : XXXX Date Opened : XX/XX/2020 Balance : {$6100.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and 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 2021-02-04 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Bank of America. The Account Opened is Bank of America Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$9000.00}. 
Bank of America Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and 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 2021-02-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Recovery Services, Inc.
State: TX

Complaint narrative:
I signed a year lease with my girlfriend in XX/XX/XXXX to XX/XX/XXXX. Once we reached the end of the lease, I decided to move. She decided to stay in the home and signed a renewal directly with the property company. I never signed the document as I moved out ; however, the property management company allowed her to live there and sign just her name. She later broke the lease and XXXX XXXX now known as XXXX XXXX XXXX sent it to a collections agency and placed a negative mark on my credit requesting {$4500.00}. I've disputed this with XXXX  in XX/XX/XXXX, the collections agency ( Southwest Recovery ) in XX/XX/XXXX, and now recently directly with the property management company XX/XX/XXXX and XX/XX/XXXX. This was clearly a bad business practice that their account manager, XXXX XXXX admits. She said the policy was changed as a result of many of these types of mishaps and they now require both signatures. According to Sec 94.053 both tenant and landlord must sign the lease and in Sec 94.055 it states if you they don't receive any communication from the tenant, then the renewal could be modified if the tenant remains on the property. Their renewal even states that the renewal must be signed by the tenant. If I was the tenant, then why was I not required to sign it? The Texas Property code doesnt say the property management has the right to renew a lease without the signature of the tenant but it does allow you to modify the renewal ( change rent, etc. )

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation