vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-02 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: GOLDMAN SACHS BANK USA
State: MI

Complaint narrative:
XXXX {$500.00} $ I did dispute from last year these charges theyre sprite transactions but the same merchant and they did not accept to refund me the amount And theyre from XXXX XXXX, because i cancel the service thats why and thank you

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

Complaint narrative:
I am a victim of identity theft and fraud with inaccurate accounts appearing on my credit file. I have filed a FTC complaint and several CFPB complaint but bureaus are ignoring all of my complaints and keep asking for authorization saying I am a 3rd party source. I am not a third party I am filing this complaint for my self. I submitted my FTC letter and my ID. Can you please govern the bureaus as it state in the FCRA and make them respect my rights as a federally protected consumer and have them delete the fraudulent accounts from my credit file. The 3 bureaus are in a direct violation of 15 U.S. Code 1681c2 - Block of information resulting from identity theft. These items still appear on my bureau and must be removed immediately 1. Violation of FCRA XXXX XXXX Account Number : XXXX This account is inaccurate and I'm seeking litigation please delete at once 2. Violation of FCRA XXXX XXXX XXXX Account Number : XXXX This account is inaccurate and I'm seeking litigation please delete at once 3. Violation of FCRA XXXX XXXX XXXX Account Number : XXXX This account is inaccurate and I'm seeking litigation please delete at once 4. Violation of FCRA XXXX Account Number : XXXX This account is inaccurate and I'm seeking litigation please delete at once 5. Violation of FCRA XXXX Account Number : XXXX This account is inaccurate and I'm seeking litigation please delete at once 6. Violation of FCRA XXXX XXXX Account Number : XXXX This account is inaccurate and I'm seeking litigation please delete at once

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA

Complaint narrative:
I received a notice of account listed for collection on XX/XX/XXXX. I responded with a letter disputing the validity of the debt ( of which I have a copy ) on XX/XX/XXXX. I never received a response from the company, any additional contact or any proof of debt, but yesterday they filed a derogatory report on my credit report. Their failure to provide proof of debt, despite my formal request and then taking adverse actions against me is a violation of the FDPCA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
I received a letter from Convergent dated XX/XX/2021 from a creditor XXXX that I do not have nor have opened any account with. They have an amount owed of {$750.00} and wanting me to settle for {$370.00}. I will not settle nor pay from a company that have been scamming people out of trying to collect on debt that is not theirs. I tried calling the number on the letter but number listed is not to this company. The creditor has no account balance or account or debt owed to them by me nor did they refer over to a collection agency.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2021 I submitted a 30 day comply letter to Transunion in regard to three fraudulent accounts ( XXXX XXXX, XXXX XXXX, XXXX XXXX  ) on my report. Attached was a copy of an Identity Theft Report filed through the Federal Trade Commission. Transunion 's lack of consideration for this issue is unacceptable and I demand an immediate removal of the fraudulent accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that? Wasn't Navient sued by Cfpb before for not applying payments to consumers accounts correctly?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
On or about XX/XX/XXXX I applied for a loan modification with Wells Fargo. I was given a trial period to make reduced payments and once I for-filled that trial, I was granted a modification which lowered my monthly mortgage payments. To my dismay, Wells Fargo reported a total of 14 late payments during the time I was in an agreed upon trial modification, followed by reduced payments going forward. On or about XX/XX/XXXX, I reviewed my credit report and disputed the late payments. My dispute included several mortgage statements and our agreement which outlined the terms of the trial payments and the modified payments going forward. Unfortunately the dispute came back verified and no changes were made correcting this inaccurate information. I do not believe anyone reviewed my documents, however I have the proof all payments, during that time, were made on time and should be enough to remove the inaccurate information being reported on my credit report. This incorrect reporting by Wells Fargo has caused me a great hardship and by me having a signed agreement outlining the modified payment and the lower mortgage payments, should be enough for Wells Fargo to stop reporting late payments that were never late. 
In addition to Wells Fargo reporting my on time modified payments late, they never charged me a late fee which should help prove my defense that they are reporting incorrectly on 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 2021-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
XXXX XXXX XXXX EST ) I decided to make this formal complaint. 
XXXX XXXX XXXX EST ) I received a voice message from XXXX XXXX. He stated that I should telephone XXXX and tell them that I was calling about a lost check. I called the number. After an exhausting amount of time on their very hostile menu system I talked to a person who was not in the XXXX. I asked him to transfer me to someone in the US. He put me on hold and after 2 minutes terminated the call. I tried calling back with horrible and extremely taxing results and finally was unable to reach anyone. 
XXXX XXXX XXXX EST ) I received a phone call from XXXX XXXX XXXX XXXX XXXX. He asked me my social security, date of birth, and, security password. I gave it to him. He then said that he would look into this matter for me. I thanked him. 
XXXX Phone with XXXX at XXXX XXXX XXXX XXXX. I told her that I had not received any contacts from Citibank. She said that it would take a little while. I told her I would call her every week to get an update and she then said she would call me every Wednesday to provide an update. 
XXXX Received a call from XXXX at XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX she told me that she had initiated a Citibank XXXX and that I would be contacted and then my {$310.00} would be sent to my home. 
XXXX Called XXXX and told him his branch manager had not contacted me. He said he would follow up with the branch manager. 
XXXX XXXX called me and let a voice message stating that his branch XXXX would review this complaint. 
XXXX No satisfaction from Citibank 's extensive phone menu or their worldwide answering machine. I then called their bank in XXXX and talked to XXXX at XXXX. XXXX listened to my inquiry, then looked up my account, then said that he would have his branch manager review my complaint. 
XXXX I called Citibank again. I ask for a review of the claim and to find where the check is for closing my account. 
XXXX I called Citibank XXXX number. I told them that I had not received a check. They told me they would review the situation. 
XXXX Closed the checking account during a phone call with XXXX. She closed my account and said that they needed 10-15 days for a check XXXX {$310.00} XXXX to arrive at my residence.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
This collection company is trying to collect money for an account which is incorrect. My name is spelled XXXX, not XXXX. I was never served any documentation regarding this judgement as the name is incorrect. The date of the debt is 2017, they reported the debt incorrectly well passed the statute thinking they got the right information. It has damaged my fico score, my report and needs to be corrected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sa-Vit Enterprises, Inc.
State: PA

Complaint narrative:
I'm asking for them to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof : *Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally *Copy of Signed HIPAA form This is a form of HIPAA violation. 
If they are saying it is verified then where's my proof? What methods are you using to verify?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, my credit card information from Wells Fargo was being used fraudulently to make hundreds of dollars worth of purchases in California. I disputed the charges and only had a few of them resolved by Wells Fargo. I did not realize this was happening until XX/XX/XXXX because the purchase amounts were small ( less than XXXX $ ) but they were frequent. Upon noticing the fraud, I ordered a replacement from Wells Fargo and attempted to dispute the charges. I activated the new card and found that it did not work and the account information for the card did not appear on my online banking portal. I was unable to pay off the charges that remained on the card until recently in XX/XX/XXXX. I have since cleared that account and closed it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-02 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: Thrift Investment Corp.
State: PA

Complaint narrative:
I've disputed already and information was updated but they have no records from XXXX then put a Charge off at the end of XXXX ... .. this is impacting my credit score. This account was paid in full ... .. I need the charge off to be corrected. My account was in great standing as long as I had the account.

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

Complaint narrative:
I am sending this over because there are fraudulent accounts on my credit report. These accounts do not belong to me ; therefore, they should not be on my file. Attached you will find a copy of the claim from the Federal Trade Commission along with a copy of my license. Please remove these accounts as soon as possible. Pursuant to 15 USC 1681 c-2 subsection ( a ) you have 4 business days to block this information from my file. This request was NOT made in error. I, XXXX XXXX, also did not give your credit reporting agency written instructions to include this fraudulent information in my consumer report. Which is in violation of15 USC 1681b- ( a ) ( 2 ).

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

Complaint narrative:
I've disputed already and information was updated but they have no records from XXXX then put a Charge off at the end of XXXX ... .. this is impacting my credit score. This account was paid in full ... .. I need the charge off to be corrected. My account was in great standing as long as I had the 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 non-monetary relief
Consumer complaint received 2021-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I just received a collection notice as to a XXXX credit card to which I never owned. It is not on any of my credit reports with XXXX XXXX or XXXX ... .. they are saying the balance is {$1000.00}. 


I'm asking for them to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof : *Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
I have completed my loan modification conditions to take my loan out of forebearance but the incompetencies of Freedom mortgage has my loan still tagged as in forebearance. I have been waiting for 4 weeks to get paperwork to sign and notarize in order to complete the terms of the loan modification but I just found out today that the paperwork has still not been completed. I was told by the agent at Freedom mortgage that I should have received these documents about 3 weeks ago. I am tired and frustrated of receiving phone calls from Freedom Mortgage asking if I was ready to take my loan out of forebearance when i've already completed the conditions to get out of forebearance. This complaint is solely to get their attention in order to complete my loan modification in order to get this off my credit report and show that my payments are current.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Credit Acceptance, LLC
State: SC

Complaint narrative:
American Credit Acceptance account # XXXX is reporting inaccurate information to the credit bureaus. After reviewing my account I see that the account has been re age. According to the report with XXXX they have my first day of delinquency in XXXX of XXXX, and have a time to be remove from my report on XX/XX/XXXX. XXXX  and XXXX  has my acct show to be the first day of delinquency XX/XX/XXXX. This is truly inaccurate. XXXX has my account to that it will be on my account until XX/XX/XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have {$7000.00} dollars in my saving account that I can not withdraw because citi bank hold the fund for no reason. I tried to contact the customer service and the customer service asked us to go to the local branch to fix the problem. When I visited the local branch, the front desk asked me to contact the customer service, again. I have been contact with customer service and they kept saying I have to wait for indefinite time. I need the fund and my hard working money in my saving account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I bought a vehicle from XXXX of XXXX ( XXXX ) XXXX on Sunday XX/XX/2021. I was approve for 9 % with XXXX XXXX on XX/XX/2021. The dealer refused to go with XXXX XXXX and went with Ally who is charging me 14 % interest rate. 

I am XXXX, on XXXX because of XXXX and have limited income and I believe they lied or did not supply accurate information on my loan to get approval. 

Ally will not refinance the loan without dealer approval and the dealer absolutely will not allow me to finance with XXXX  at the better 9 % rate. 

The dealer has my trade in and {$12000.00} cash and I am stuck with a vehicle I may not be able to afford at the current interest rate. 

I spoke with XXXX XXXX the XXXX, XXXX XXXX the Sales Manager and XXXX XXXX. They only offered me a {$200.00} gift certificate and refused to assist me in getting the approved rate from XXXX. 

I feel they took advantage of my limited metal abilities and limited social skills. I don't understand how they can do this.

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

Complaint narrative:
I was told that you all can help me. 

On XX/XX/21 I sent a letter about some inaccurate and Unknown items i seen on my credit report its been all most 30 days later and i haven't heard anything. I feel everyone invloved is taking advantage of me and nobody cares about my disputes. Section 611 ( a ). plainly says that a failure to investigate within 30 days gives a reason to immediately remove the items from my credit report it has been almost 30 days but nobody has updated me so they should be deleted acording to the law. I demand these accounts be deleted immediately or I will have no choice but file to go into litigation due to all of the stress everyone caused me. Completely messed up my credit and i have to pay way more than i should be paying in interest. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Recovery One, LLC
State: GA

Complaint narrative:
I entered into an agreement with XXXX XXXX and there was an error between myself and my creditor XXXX XXXX. They initially forwarded the account to Recovery One , LLC. 

I have since spoken with a manager at XXXX XXXX, XXXX, and spoke to her regarding the account. XXXX accepted the full payment of {$600.00} on XX/XX/2021 to resolve the account, withdrew it from the 3rd party agency, Recovery One , LLC and INSTRUCTED THEM TO DELETE the reporting from my credit reports. 

Instead the company updated the credit report to read, 'paid ' as if I had agreed to any contract with them and paid on THEIR contract. 

I called repeatedly to resolve this issue with their supervisor, XXXX XXXX, with no return call. I've called a few times and spoke with a woman named XXXX, who eventually stopped answering my calls and simply starting forwarding the calls to voicemail. I finally spoke with a woman who calls herself Mrs. XXXX, who suggested I 'give it a whirl ' when I informed her that the account was updated rather than deleted and I needed to speak XXXX XXXX XXXX Recovery 's resistance to correct their reporting. 

XXXX, the manager of XXXX XXXX called Recovery One LLC again on XX/XX/2021 to instruct them that the account was withdrawn and should be deleted with no response from their company. I resorted to beginning with this initial complaint to ensue a paper trail prior to further action

Company response to consumer: Closed with explanation