vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-04 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: TX

Complaint narrative:
I am a victim of identity theft and Ive been trying to remove for months now and Items on my report still remain after several attempts. According to my research and attorney consultations they are in multiple violation of the fair credit reporting act and need to resolve this immediately.

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 2021-01-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I made a purchase on my Forever 21 credit card. I then immediately told the sales clerk I wanted to pay that balance off with my debit card, which she then ran for me. This was a Friday evening. However, when receiving my Foever 21 bill, it showed the payment was never applied to my Forever 21 credit card. It was however deducted on my bank statement which I immediately checked. I informed Comenty bank ( Forever 21 ) that the payment had been made at the same register immediately following the purchase and I sent them a copy of my bank statement. They, However are wanting me to send the payment receipt which I no longer have ( and not even sure I received ) or retrieve a electronic transmittal inquiry form from my bank. My bank is saying my statement is my transmittal form which shows the amount paid to Forever 21 and has all the information they need ( including the transmittal number ). It has been a big back and forth for over 2 months now and now comenity has said they have reported derogatory information on me to the credit bureau even though we have filed a dispute which has not been resolved yet and I have sent all the necessary information regarding the payment. This is a nightmare and Im not paying them again when I have proof of the payment on my bank statement. Im not sure if the clerk at Forever 21 didnt make the payment correctly or what happened, but the money has been taken from my account and Forever 21 has it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 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: FL

Complaint narrative:
Please accept this letter because it is very important for me. I hope we find mutual understanding and you will remove and recheck one more time wrong items in my credit report. I would like officially to complain about that you are reporting inaccurate and incomplete credit information. Those accounts I do not recognize absolutely and as for inquires I have never given any permission to any companies. I have never authorized those inquires and accounts. Please recheck and remove them from 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 2021-01-04 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: FL

Complaint narrative:
Please accept this letter because it is very important for me. I hope we find mutual understanding and you will remove and recheck one more time wrong items in my credit report. I would like officially to complain about that you are reporting inaccurate and incomplete credit information. Those accounts I do not recognize absolutely and as for inquires I have never given any permission to any companies. I have never authorized those inquires and accounts. Please recheck and remove them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 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: U.S. BANCORP
State: TX

Complaint narrative:
On XX/XX/XXXX, I picked up a package from my local XXXX which was supposed to contain 4 items. When I got home and opened the package, it only contained one package. I contacted the company ( XXXX  ) that day via social media and was directed to email them, which I did, also that night. The responses provided were rude, and unhelpful to my situation as they provided me no path forward. I had requested either a refund for the items not sent or that they provide me with those items. 

On XX/XX/XXXX I filed a dispute via phone with US Bank for the 3 items I did not receive totaling approximately {$200.00} ( I gave the exact amount over the phone but don't have it on me anymore ). I was told they would work with the company and get back to me. The following week, I received a letter dated XX/XX/XXXX which stated " No further action is required from you at this time. '' On or about XX/XX/XXXX, I received a letter from US Bank dated XX/XX/XXXX stating that I had not provided the required additional information to proceed with the dispute, and they were cancelling the dispute. On XX/XX/XXXX, I called US Bank and spoke to " XXXX '' to understand why the dispute had been resolved when I had been told no further information was necessary. He stated that a letter had been sent which hadn't been responded to, but that he could re-open the case. He also mentioned that the original person to log my dispute did not categorize/track it very appropriately. I did not realize he failed to credit back the disputed amount, which caused my auto-payment to pay the full balance, including the disputed amount on XX/XX/XXXX. 

On or about XX/XX/XXXX, I received a letter from US Bank dated XX/XX/XXXX and signed by a XXXX XXXX It stated that they could not " support your claim of returning merchandise to the merchant ''. My claim had nothing to do with returning merchandise to the merchant. I have tried to call the direct number listed for XXXX XXXX on at least 3 separate occassions since receiving the letter, and they have all gone straight to voicemail with an outdated message about being OOTO in XXXX. 

On XX/XX/XXXX, I received a letter from US Bank dated XX/XX/XXXX requesting additional information to process my dispute with a deadline to provide that information of XX/XX/XXXX. Even under ideal circumstances ( when the USPS isn't backed up due to holiday volumes and COVID delays ), a two week turnaround would be extremely tight and no other contact was made to let me know this request was coming. Obviously in this situation, I didn't even receive the letter for over a month, which was well past their self-imposed deadline.

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 2021-01-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
We called Wells Fargo Mortgage on XX/XX/XXXX because we got a letter and check stating we had overpaid on late fees. We pay every month and on time for more than what is due. When we called to see why there were late fees, we were informed that they misapplied an EDI payment in XXXX of XXXX for {$640.00}. We advised them that it was misapplied and it was for our regular payment due. They refused to correct the issue and escalated it to a supervisor who also refused to correct the issue. I requested someone higher than the supervisor. The executive team took over and refused to correct this as well. They said that they used their logic to apply the payment and because it has been so long, they cant fix it. Since we pay by EDI, they claim its not their responsibility to make sure payments are applied correctly. They removed only {$300.00} in late fees and left our account as behind with late fees continuing to accrue unless we pay an additional {$920.00} to bring the account current, even though it was only {$640.00} misapplied. They made zero attempt in almost four years to notify us that our payment was not applied correctly. They stopped sending statements at the same time they misapplied the payment in XXXX if XXXX. We had no reason to contact them regarding not receiving statements since we were paying more than the amount due on time. They sent a partial payment letter monthly, but it always stated that they would apply the funds to the payment due once the remainder was received. This letter never stated that the account was behind or that there were late fees. We had been paying by EDI for 5 years before this and had never been told by Wells Fargo that they can not accept EDI payments or that we are fully responsible for any fees or misapplied funds. They refuse to correct the payment after they were notified it was misapplied and are holding the stance that it is our error and we are responsible for the hundreds of dollars in late fees and responsible for making a full extra payment to bring the account 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 monetary relief
Consumer complaint received 2021-01-04 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

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 2021-01-04 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Accounts Recovery Agency Inc.
State: CA

Complaint narrative:
I was a victim of identity theft ..and found out i have debt that isn't mine ... would like this cleared up as soon as possible.

Company response to consumer: Untimely response
Consumer complaint received 2021-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: WI

Complaint narrative:
At XXXXXXXX XXXX on XX/XX/XXXX I received a text message asking me to contact them regarding a debt collection. It was not a normal text message. It was sort of a picture message. It said contact MRS Assoc. Regarding a XXXX XXXX matter at XXXX XXXX XXXX XXXX. MRS is a debt collector. If XXXX is associated with XXXX XXXX then I am very confused. I dont have XXXX XXXX. I called the first time, prompted for customer service, waited forever, then a robo told me to call back during regular business hours. This was at XXXXXXXX XXXX ( Regular business hours ). So I called right back and prompted to make payment in hopes it would actually connect me with someone. When she got on the phone I explained I received this text about debt collection. She asked if anybody else regularly uses my phone. I said no. She then said something along the lines of, it appears to be a mistake and that she is sorry for the confusion and then she rambled some number off then hung up. Seeing as I didn't give ANY personal information other than my first name it seemed super sketchy she said what she did and just hung up. The way I received the message was weird. Everything about this interaction and situation was really weird and made me uneasy. If this is a legit company I would like an explanation of what is going on, and why I was contacted in the first place.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 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: CITIBANK, N.A.
State: CO

Complaint narrative:
On XX/XX/2020 I purchased a set ( 2 ) nightstands from XXXX / XXXX company. 
The price for each nightstand was {$140.00} making the cost for the set {$310.00}. My Costco VISA card charged me {$310.00} twice and keep claiming that the merchant is refusing to issue a credit for the duplicate charge of {$310.00}. I have emails from the company saying they have only charged once but VISA refuses to listen and tell me that they have closed the dispute against my favor. That means that they are pocketing my {$310.00} because the merchant has been paid only once by the credit card.

One day I called VISA 6 times and each time they hung up on me by claiming they could not hear what I was saying. 

Costco VISA has a history of duplicate charges on my account and I am getting sick and tired of their high handedness. I want to close this card but can not do it until this is resolved or they will report to the consumer reporting agencies. 

Thank you for any help you can provide! 
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 2021-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: U.S. BANCORP
State: MN

Complaint narrative:
On XX/XX/XXXX at XXXX a new US Bank Gold Checking Account was opened online in my name. I did not open this account. I was notified by email from US Bank about this account being opened. The account was opened and {$25.00} was deposited from XXXX XXXX. It appeared that my profile was also changed. My email address was changed to use XXXX and my address was changed to my old address. I called US Bank at XXXX that same day. I was routed to the Fraud Liaison department. They put a Hard Hold on the checking account. Later in a subsequent call my online access was XXXX. I have had difficulty getting further information about what happened. I'm attributing that to the fact that it was a holiday weekend. Today, XX/XX/XXXX, I put a lock on my XXXX  account and freezes on my XXXX and XXXX  accounts. I spoke with Fraud Liaison again today. All steps to switch account numbers, etc. were started. The case number with the Fraud Department at US Bank is # 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 2021-01-04 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

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 2021-01-04 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

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 2021-01-04 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 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 am a loan officer. On or about XX/XX/2020 my borrower was told by the builder/seller that if he used their lender he would receive a {$5000.00} closing incentive. He was told he would not get the incentive if he used his own lender. Naturally he used the builder/sellers lender. Her name is XXXX XXXX, NMLS number XXXX. She works for Loan Depot. Address : XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX, California XXXX. I have supporting documentation consisting of the Loan Estimate showing the seller credit and the purchase contract stating that the incentive is only good if my borrower used the builder/sellers Loan Officer XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 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: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I have filed complaints regarding incorrect account information being reported on credit file by Synchrony/Lowes on XXXX and XXXX in an attempt resolve this negative item being reported to the Credit Bureaus. This will be my 3rd attempt to resolve this concern. The responses that I have recieved from both XXXX XXXX and XXXX XXXX ( Senior Specialist Corporate Consumer Relations representatives ) has been insufficient and unverifiable. Both responses include account statements and a letter from XXXX XXXX XXXX as proof that this account is correctly being reported on my credit file. Statements are not validation of debt, and a letter provided from XXXX XXXX XXXX with no signature from me claiming a payment resolution on my behalf is also not validation. You have failed twice now to resolve this issue after I have provided ample documentation that proves this account should be removed from my credit file. First you have failed to report to the Credit Bureaus that the account was disputed to which I provided a copy of my credit report, secondly you incorrectly reported the balance of this account. I am now providing a copy of my credit report that shows a difference in date of last activity being reported to both XXXX ( XXXX ) and XXXX ( XXXX ) on your behalf. I clearly have shown your failure to 100 % accurately report account information to my credit file per the credit reporting 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 2021-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monarch Recovery Holdings, Inc.
State: GA

Complaint narrative:
This attempt to collect this debt is illegal. I never opened this account with the original creditor. This collection attempt must be stopped immediately. I was a member of identity theft and my credit has been ruined. I have contacted the credit agencies already and they have done nothing. I am now trying to fight this this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I was reviewing my credit report and noticed some un authorized accounts being reported and are extremely hindering. I have contacted the company over 30 days ago and still haven't gotten a solution, nor have I gotten a response. That is very unprofessional and it isn't fair that I have so go through this for something I didn't do. To verify, I submitted a photo of myself holding my ID and a proof of address as well. Please review, verify and remove these negative items from my credit report ASAP.

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 2021-01-04 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I was reviewing my credit report and noticed some un authorized accounts being reported and are extremely hindering. I have contacted the company over 30 days ago and still haven't gotten a solution, nor have I gotten a response. That is very unprofessional and it isn't fair that I have so go through this for something I didn't do. To verify, I submitted a photo of myself holding my ID and a proof of address as well. Please review, verify and remove these negative items from my credit report ASAP.

Company response to consumer: Closed with explanation