vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-27 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: EQUIFAX, INC.
State: OH

Complaint narrative:
About XXXX  yr ago I had XXXX XXXX take over and pay my bills. I have made every payment but one ( due to moving back to XXXX  from XXXX  ). I was also on a reduced payment d/t Covid and a XXXX XXXX, but continued to make payments every month. 
I had both a XXXX accout ( they sold the account to XXXX XXXXXXXX, who sold the account to XXXX XXXX, ( account ending inXXXX XXXX XXXX ) XXXX XXXX has the account listed as XXXX XXXX, but all payments are made to XXXX XXXX and are up to regular agreed upon amount. 
XXXX XXXX  is also being paid for account ending XXXX listed as XXXX XXXX XXXX and every month the bill has been paid ( proof to follow. When I went with XXXX XXXX the XXXX and XXXX account together equaled more than {$7500.00}. And Im down to about {$2000.00} for both accounts, proof to follow. So XXXX XXXX has listed both accounts as written off. I have contacted them several times and they have told me because I had to make reduced payments they can show it as written off I spoke with XXXX last week. I told him it was false reporting and he said I was wrong. Im a XXXX yo XXXX  and have no record of late payments, BUT WAS DENIED CREDIT D/T XXXX  refusal to show the account as being paid on. 
Now. I have contacted Equifax and they refuse to fix this error and now I cant contact them at all. ( when I call a phone message comes on and asked me for my information which I give and it tells me its incorrect and cuts the phone off. Im printing them. They sent me a copy of the credit report, but refused to upgrade my income, or return dress this problem with XXXX. Please help me fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
About 5 yr ago I had XXXX XXXX take over and pay my bills. I have made every payment but one ( due to moving back to XXXX from XXXX  ). I was also on a reduced payment d/t Covid and a XXXX XXXX, but continued to make payments every month. 
I had both a XXXX accout ( they sold the account to XXXX XXXXXXXX, who sold the account to XXXX Bank, ( account ending in. # XXXX, ) XXXX XXXX  has the account listed as XXXX XXXX, but all payments are made to XXXX  XXXX  and are up to regular agreed upon amount. 
XXXX XXXX  is also being paid for account ending XXXX listed as XXXX XXXX XXXX and every month the bill has been paid ( proof to follow. When I went with XXXX XXXX the XXXX and XXXX account together equaled more than {$7500.00}. And Im down to about {$2000.00} for both accounts, proof to follow. So XXXX  XXXX  has listed both accounts as written off. I have contacted them several times and they have told me because I had to make reduced payments they can show it as written off I spoke with XXXX last week. I told him it was false reporting and he said I was wrong. Im a XXXX yo XXXX  and have no record of late payments, BUT WAS DENIED CREDIT D/T XXXX  refusal to show the account as being paid on. 
Now. I have contacted XXXX and they refuse to fix this error and now I cant contact them at all. ( when I call a phone message comes on and asked me for my information which I give and it tells me its incorrect and cuts the phone off. Im printing them. They sent me a copy of the credit report, but refused to upgrade my income, or return dress this problem with XXXX. Please help me fix this.

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 2022-12-27 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My credit score dropped XXXX points for the month of XXXX, when I called TransUnion to get more inside information as to why this is happening they told me to call the consumer finance department. I got my credit report and nothing looked out of place I want to know why it dropped a significant amount and if there is money owed that I'm unaware about.

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 2022-12-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
For about 6-7 weeks now I have been unable to access my account online. I have made ~5 calls to get this resolved. Every time I go through the same repeated steps with the customer service rep ( reset password link sent, erase cache on browser, etc. ). I have explained NUMEROUS times that it does not matter what browser I use or if I use their APP, I get the same error message " Unable to Sign In. '' After several minutes on the phone, I finally convince the CR to send a message to IT. Several tickets have been created, with promises that IT will get back to me ( via email message. ) In XXXX weeks, NOTHING. No messages from IT, no resolution from IT. The last XXXX payments I've had to make on the telephone, which I do NOT want to continue doing. a new payment is due and I still have not had access renewed online. They have had 0ver 6 weeks to take care of the problem.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
On XX/XX/2022 I pulled my XXXX credit report and noticed a collection from a collection company by the name of RentDebt Automated Collections. I sent them a letter dated XX/XX/2022 informing them that they had violated federal law under the FDCPA Regulation F by reporting an unknown debt to my credit file. 

I asked them to remove this reporting and to provide me with Validation that this debt belonged to me. In response I received a letter acknowleding my letter of dispute. I specifically noticed them that I was not seeking verification nor was I consenting or acknowledging the collection that they have placed on my credit report. In return, they indicated that they would contact the consumer agencies to show that this collection is being disputed. 

They have totally ignored the law and think that they can by-pass it by falsely stating indirectly that I am consenting of acknowledging this reported collections. 

Furthermore, the information that they provide to me does not belong to me. I do not know who they are nor do I acknowledge the collection that they have placed on my credit file as of XX/XX/2022 well after Regulation F went into effective.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Atlanticus Services Corporation
State: CT

Complaint narrative:
I ordered a replacement credit card on XX/XX/XXXX. The rep said it would go out the next day and I would receive it in 3-5 business days. After XXXX I called to see why I hadn't received it yet. The rep said they were having shipping delays and I'd receive it in 2-3wks from XX/XX/XXXX. I called the following week to get tracking and was advised that no cared had been shipped. I requested a manager who told me that I would not receive my card until XX/XX/XXXX. I called a week later, last week, to see if I could get another card overnighted to me or be told what the initial replacement card number was. I have several auto payments coming out of the account that have been rejected due to me not receiving a replacement card. I have no other source to meet these payment obligations. When the rep told me no, I requested a supervisor. This supervisor advised me that there was no record of me calling and speaking to any supervisor. I requested that the security dept call me back so that they could give me my new acct number. The supervisor told me that someone would call me back in 1-2days. I called back yesterday, a week later begging the supervisor for some type of accommodation to help me with the XXXX in fees that have accumulated due to the negligence of ASPIRE. She said she would research and call me today.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-27 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: First Federal Credit Control, Inc.
State: MD

Complaint narrative:
Hello, my name is XXXX XXXX and on XX/XX/2022, First Federal Credit Control placed two collections on my account for a medical debt. I paid the debt for both accounts in full on XX/XX/2022 and this company agreed to delete the collections from my credit. The total amount was {$230.00}. The numbers for both the accounts are # XXXX and # XXXX. I would like to have these accounts removed from my credit immediately since it is severely impacting my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
The case is about refund of XXXXmonth wrongly charged monthly account maintenance fees of {$320.00} by Bank of America XXXX XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX, OK XXXX. The branch actually wrongly charged me for the fees of XXXX-month ( for the period from XX/XX/XXXX to XX/XX/XXXX ), and didn't deny the errors it made, but only refunded me for XXXXmonth fees charged to me for current year ( Year XXXX ), saying its computer system only allowed them to make current year corrections. After I talked with several branch officers, including XXXX XXXX, the financial center manager, they said their internal investigation of my case was completed, and refuse to pay me the rest XXXXmonth wrongly charged fees. I disagree with the branch 's decision and hope your bureau can help me to get my money back.

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 2022-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
Chexsystem is showing 4 accounts on my report with XXXX XXXX  : Ending in : XXXX Business account XXXX Personal account XXXX XXXX The last 2 accounts are non existent. I attached a letter from XXXX requesting to remove XXXX and XXXX. 
I have tried reaching out to them via phone. They instructed me to fax in a letter from XXXX stating which accounts are not mine and that they should remove them from their system. 
The fax was sent on : XX/XX/22 at XXXX, XX/XX/22 at XXXX, XX/XX/22 at XXXX to their fax number they provided to us : XXXX ( see attached in this complaint ) We called multiple times to confirm that they received the fax, but they claim they didn't. On our end our fax system showed the fax was sent and received by the other party. 
Their address : Chex Systems , Inc. 
Attn : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MN 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 2022-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Sometime in XXXX I was sent a letter from my bank which is Citi, that theyll be closing my account but the account has not been closed BUT they keep receiving my direct deposits, so I want the account closed and for them to GIVE ME MONEY THAT REMAINING in my account. First I talked to a representative on the phone and hes telling me I have to wait 30-60 days for my money for XXXX know what reason, they dont want to give me a reason. So I went into the branch they CLERK WOULD NOT EXPLAIN TO ME WHY THEY WONT GOVE ME MY MONEY THAT WORKED FOR, I have bills to pay they cant just keep my money & I can wait 60 days that ridiculous.

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 2022-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Due to the change in the New York Statute of Limitations bill signed by Gov. XXXX XXXX  into legislation in XX/XX/2021 as a provision of the Consumer Credit Fairness Act which states the statute of limitations of been cut to three years from date of last activity.

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 2022-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Due to the change in the New York Statute of Limitations bill signed by Gov. Kathy Hochul into legislation in XX/XX/2021 as a provision of the Consumer Credit Fairness Act which states the statute of limitations of been cut to three years from date of last activity.

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 2022-12-27 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have a two collection accounts on my Experian Credit Report. One by XXXX XXXX XXXX Co ) for {$900.00} and the account was opened fraudulently in my name on XXXX XXXX. At the time I was only 17 years of age, a minor cant open any accounts nor be legally responsible for a debt. This is a inaccurate account, and must be removed. There is also another account by ( XXXX XXXX ) this is for a apartment community collection. This account was opened XX/XX/2022. This is another account that was opened not be me. Also this was opened before I was 18 years of age. This is inaccurate reporting and this collection account must also be removed. There is also a account showing up negative information by the name of XXXX XXXX XXXX XXXX ) with a balance of {$180.00}, and the account was opened on XX/XX/2022 before I was the legal age. This isnt my account therefore is inaccurate reporting once more and must be removed. I have also made a FTC Report, with report number XXXX related to this matter.

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 2022-12-27 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: NC

Complaint narrative:
My credit reports are showing a chargeoff with XXXX XXXX XXXX. The account has been paid in full as of XX/XX/2022. Please remove the account for my credit reports since the information currently reporting is incorrect.

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 2022-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK
State: CA

Complaint narrative:
In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15USC1681 section 602 states that I have the right to privacy. 15USC1681 section 604a section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666b a creditor may not treat a payment on a credit account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I sent dispute letters to Experian in XXXX and I did not receive any notice of results or investigation. So I sent another dispute letter in XXXX and after more than 45 days Experian sent me an email stating they will not be taken any action with the letters I sent. So now I am filing a complaint because it has been more than 45 days since I sent the 1st dispute letter with no response. I let Experian know and sent another letter with a message stating that they will not be processing my 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 2022-12-27 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: PA

Complaint narrative:
I am writing to dispute fraudulent charges on my account, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am a victim of identity theft, and did not make these charges nor did i authorize or approve for these accounts to be opened.

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 2022-12-27 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: CT

Complaint narrative:
I made a purchase on my Wells Fargo credit card on on XX/XX/2022 for {$3200.00} to a merchant called XXXX XXXX design. I ordered tee shirts to be designed. They were supposed to be ready for pick up in 2 weeks, by XX/XX/2022. The merchant kept giving me the run around and by XX/XX/2022 the shirts were still not ready. I initiated a dispute with Wells Fargo on that date. I submitted my statement, correspondences with the merchant and pictures of the closed business. I was told that the merchant would be given 15 days to respond. The merchant did not respond. After the 15 days, I reached out to Wells Fargo again and was told that the merchant would be given another 30 days to respond. The merchant did not respond. I have made repeated calls to Wells Fargo bank to follow up on my dispute. It had now been 2 months, over 60 days since I have disputed the charge. I called today, XX/XX/2022 and spoke with a supervisor, XXXX. She said that Wells Fargo has been backed up and my formal claim had not ever been submitted. She said that would be done today and I my claim would start today. I am expected to wait another 30 days. That would mean this dispute would have taken 90 days to be resolved. That is unreasonable and unacceptable. I am requesting a permanent credit of the dispute charge to my credit card 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 2022-12-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC
State: NY

Complaint narrative:
Recently, I received a copy of my credit report and found several inaccurate information and fraudulent accounts on my credit report that were not opened by me ( See attached FTC Report ). I don't have any knowledge of these accounts being open, any contract bearing my WET signature is fraudulent and was not signed by me. I communicated with the alleged debtors and requested proof of claim and to validate the debt within 30 days ( See attached Debt Validation Letter ), and so such debt was validated.. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it. The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act. Respondent, please have the following accounts removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, a line of credit or for to procure goods and services.

Company response to consumer: Closed with explanation