vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-08 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: IL

Complaint narrative:
In accordance to the Fair Credit Report Act XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; US Dept of EducationXXXX has violated my rights Please remove ALL inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602A states I have the right to privacy 15 U.S.C 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instruction. I should have ONE name, ONE date of birth, and ONE address

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 2022-07-08 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:
In accordance to the Fair Credit Report Act XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ; US Dept of EducationXXXX has violated my rights Please remove ALL inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602A states I have the right to privacy 15 U.S.C 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instruction. I should have ONE name, ONE date of birth, and ONE address

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 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: NY

Complaint narrative:
I applied for the XXXX XXXXXXXX card through a 3rd party and they didn't state there was an annual fee, so I did not anticipate any payments being due after activation. I received a call that my account was past due, and the person said she would close the account for me since that's not the type of card I want, and that the annual fee would not be due if it was closed within a certain amount of time. She said that because there was a late fee she would have to remove that charge before being able to close the account, and that it takes 24-48 hours, and then it would be closed. I then started receiving numerous calls per day that the account is again past due because the annual fee was not paid. I explained what happened with the previous phone call and they now said they would close the account immediately and then request that the charges be removed. I stated that it was a bad idea to close a delinquent account with a balance but they no longer gave me the option to do anything else, if I wait until the charges are removed there will just be more charges again, thus never solving the issue. They said they would waive the fees and I received an email that stated they did, so again I continued calling to see when I could close the card but received the same answer that there are still charges on the account. I have spent many hours on the phone with them, with what I am assuming is the same person, she is very rude, and although she states that she transferred me to her supervisor and speaks in a different voice when I start to ask questions or disagree the same exact same rude tone comes out. Now my credit score has gone down 40+ points because of reported past due balances and I'm not sure what else to do to resolve this issue, they will not work with me to just remove the fees and deactivate the card. After researching this company online I have found that there are many people that are in the same situation that I am in. I recently worked with a credit agency to resolve covid medical bills and have been put on a payment plan for them with lower interest and have already paid 2 off in the past month, and now my credit score is lower than I thought they even went. This is very frustrating and honestly, I can not afford a lawyer to deal with this, it's very simple, just close the account and remove the fees and late remarks on my credit, the account was recently activated but never used. They keep telling me it will be taken care of and the next day it's worse so I need someone to hold them accountable for their actions.

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 2022-07-08 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: EQUIFAX, INC.
State: MO

Complaint narrative:
After attempting multiple attempts to resolve these law violations the creditors and bureaus are liable for i am reaching out to cfpb to deal with this horrible mess. 

according to 15 us code 1681 eb- its the consumer reporting agencies job to ensure maximum possible accuracy when deal with a consumers information. Because they didnt this was and still is an obvious violation and fcra law states any inaccurate information found and disputed if correct should be removed from report, each bureau has failed to acknowledge my dispute letters. I demand these accounts to be removed off my credit report asap. so many inaccursies its not even funny from dates opened to the remarks which also is a violation because the consumer agencies arent holding the creditors liable for reporting false and inaccurate information, they are all responisble for these issues causing me a great deal of distress. 

XXXX XXXX XXXX XXXX XXXX co

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I reviewed my credit report and found a collections for Portfolio Recovery Associates. I disputed the account with the credit reporting agencies and Portfolio Recovery sent me a letter home sending documentation that included two statements from XXXX XXXX  with dates XX/XX/XXXX and XX/XX/XXXX along with a " soldletter '' dated XX/XX/XXXX. I have never recived a " soldletter '' from either Portfolio Recovery nor XXXX XXXX  ; and said documents do not validate this alleged debt ; additionally, I was not aware this alleged account had been allegedly " sold '', I never received a first communication letter from Portfolio Recovery for said collections of this alleged account. 

As an informed consumer and as per FTC report " The Structure and Practices of the Debt Buying Industry '' published/dated XX/XX/XXXX ; I request from Portfolio Recovery the forward-flow agreement they signed with XXXX  when they purchased said alleged debt. 

I also request Portfolio Recovery to provide : ( a ) the portfolio identification number; and ( b ) all information about the portfolio the Company obtained or obtained access to from the seller at the time of purchase, including the schedule of accounts and the bill of sale, and total purchase price.

As per the FTC report, one of the findings was ... " Contracts revealed that both sellers and buyers knew that some accounts included within a portfolio might have incomplete or inaccurate data, including data on important information such as the then-current balances on accounts. '' With that in mind, how can either company continue reporting and attempting to collect debts that are incomplete? 

I demand this account to be XXXX  out, and deleted from Portfolio Recovery 's systems as well as XXXX XXXX, and for this alleged account to stop being reported to any/all credit reporting agencies. This negative item on my consumer credit report has caused a negative impact on the extension of my credit causing to be denied as well as high-interest rates. It has and continues to harm me directly as well as causing a monetary struggle and setback.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 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: Block, Inc.
State: WV

Complaint narrative:
{$600.00} XXXX XXXX on XX/XX/2022, Didn't receive product purchased and Cash App denied claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: IN

Complaint narrative:
During Quarantine, I started using credit cards to buy food and such things as books and clothes. i was paying my bills and then I got more cards and it became impossible to pay all of them. 
Just so you know-I am on Social SecurityXXXX I am now working with a finance settlement company I got behind awhile back and started to get overdrafts. 
U.s. Bank-a bank I have been at for at least XXXX years. 
XXXX an overdraft and they took away my overdraft forgiveness. I didn't even know I had that. 
I had tried before to have overdrafts removed and was refused. 
Last month I was given 9-10 overdrafts-it cause me almost XXXX dollars. 
This month, they took that money out of my social security check. I make XXXX a month and almost XXXX dollars was taken from me. Now I am behind around XXXX XXXX I do have a line of credit and a loan with the bank I have been unable to pay. I can't pay. I can't buy food and the fact is I have no money. 
I pay my bills such as one for cable/internet and my phone bills. Everyday is now like something just get tolerate instead of liking. I honestly dont know how much longer I can take this. 
I also have my cat who needs to be fed and taken to the vet if sick. 
What do I do? What can I do? 
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 2022-07-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: BHA Services
State: CA

Complaint narrative:
At XXXX I received this text from this phone # which when I looked it up was a cell phone # ( XXXX ) XXXX : This is XXXX XXXX with BHA Services , Legal Department XXXX We are a Professional Debt Collection & Asset Recovery Corporation Please contact me today for further information. Thank you in advance. http : //www.bhabillpay.com XXXX XXXX This is an attempt to collect a debt. Thank you. 

I have no idea who this is, there is no opt out option, this was the message in its entirety, the grammar and punctuation is very suspicious, and I am current on all of my bills. This has to be a scam, please look into this matter I was not sure who this was and it scared me as I was waking up so I clicked the link. Something I normally would not do but I did.

Company response to consumer: Untimely response
Consumer complaint received 2022-07-08 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX account XXXX XXXX, has violated my rights. 
1

5 U.S.C 1681 section 602 A. states that I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 ; it also states a consumer reporting agency can not furnish an account without my written instructions. 
Also, there is missing information in the report. How do they even know this account is mines? Also, this account is not Metro 2 Compliant. 
I very disappointed in XXXX, XXXX and Experian for not completing a thorough investigation.

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 2022-07-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: OH

Complaint narrative:
On Thursday XX/XX/2022, I was informed by Discover Card by email, that my account was frozen. There was no other information or explanation given for the closing other than it was a business decision. I called the phone number given to me on email and I waited 2 hours for someone in security and never spoke to anyone. I called back later and was given no more information. I demanded to speak to a supervisor and was told I must wait 24 to 48 hours for a callback. It has been 24 hours and no callback. I have a company and all my funds are in that account.I was told It would take 60 days before I would have access to those funds. THIS IS UNACCEPTABLE! I have no access to that account, the statements, the transactions and no explanation as to why.

Please contact me ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmeriCollect
State: OH

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I signed up for this card and never registered for an account on the website. We made a purchase at XXXX on XXXX. I have tried to setup an account online since that purchase and have been unable to. I have called the customer service line and entered the card and it automatically directs me to the customer service line. It then says it will connect me to an agent but it says they are working to restore service and hangs up. To recap I can not access easypay, register an account and I can not speak to customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 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: Nelnet, Inc.
State: VA

Complaint narrative:
NELNET LOAN SERVICES INC XXXX {$12000.00} {$0.00} NELNET LOAN SERVICES INC XXXX {$8000.00} {$0.00} NELNET LOAN SERVICES INC XXXX {$15000.00} {$0.00} NELNET LOAN SERVICES INC XXXX {$18000.00} {$0.00} Reporting Fraudulent Payment History for the following months XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX on my XXXX, XXXX and XXXX Credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Account Numbers XXXX XXXX On XX/XX/XXXX Wells Fargo Closed both of my Secured Business Credit Cards. Which I have a collective deposit of {$50000.00} held by Wells Fargo. I also don't know why they closed both accounts and they will not tell me why they closed both accounts apparently my checking account is going to close n the XXXX of XXXX. 

I was never late and I never went over my limit infact I spent over {$100000.00} some months and never carried a balance. So the account was not closed due to performance. 

I have received several pieces of mail from Wells Fargo. In the form of letters telling me my account is closed. I got a statement saying my account is closed and a response to a letter that I wrote. 

However, I have not received a check for my {$50000.00} nor any guidance on when that is going to happen. There was no balance on the account when they closed them in fact I overpaid and should be getting {$50000.00} back to be factual. 

I have called and no one can tell me when I am getting my {$50000.00} back. 

So I am in limbo I want my {$50000.00} back because we are going on two weeks and I feel once again when I check my mail today there will be no check for {$50000.00}. They don't seem to be in urgency in getting my money back to me. 

At the moment I don't care why they closed my accounts. I do care about getting my {$50000.00} back as soon as possible. So anything that the CFPB can do to hurry this process along I will be very grateful. 

{$50000.00} is a lot of money to have just floating about with no indication of when I am getting my money. 


Regards XXXX 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 2022-07-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: FL

Complaint narrative:
Good afternoon, there is a collection in the amount of {$260.00} with ERC out of XXXX Florida. They are attempting to collect a debt for XXXX  cell phone service. We tried contacting XXXX but they were bought out by XXXX. 

Originally we opened an account and bought phones thru XXXX XXXX. We were told we had 15 days to return phones and cancel service. XXXX and XXXX XXXX obviously do not work in harmony as we got collection calls down the road over a debt that we didnt even know existed nor should it have. I tried contacting ERC and they are virtually impossible to deal with but the bottom line is this really shouldnt have ever been in collections at all. We would like this to be completely removed, and I honestly dont even care about the money if it went to XXXX  because of XXXX XXXX error, but I dont feel its just

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Personal information incorrect
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Incorrect information on Credit Consumers Report ; Dates, Amounts, Payments, Personal Information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 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: OH

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-07-08 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: BARCLAYS BANK DELAWARE
State: CT

Complaint narrative:
I opened a Barclays account through XXXX to finance a laptop. Once I paid off the balance I closed the account but it didn't close rather 2 new accounts opened without my consent or knowledge.

On one of the " new '' accounts I received a statement via email saying I had a balance due. I phoned the number and reported this as fraud. I spoke with the fraud department again on XXXX XXXX and they said the charge had been declared as fraud and removed and a credit was posted on XX/XX/XXXX. 

On XXXX XXXX I received another email saying : " Your account is now seriously delinquent. We want to help and may be able to offer you options to prevent this account from being charged off on XX/XX/XXXX. 

But you must contact us immediately. '' I have spent hours on the phone with this company trying to close the two fake accounts that were never opened by me and to get the balanced removed off of my record! 

Thank you 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 2022-07-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: MI

Complaint narrative:
My family was recently affected by XXXX. We entered into a forbearance period with our mortgage provider. Upon ending the forbearance period I applied to the XXXX assistance program. After speaking with my XXXX case XXXX, they stated that in order for them to issue a payment to my mortgage servicer they had to be enrolled as a participating partner. After speaking with customer service reps from my mortgage service provider, they stated if they were not a participant then it was above their pay-grade to make that decision and couldn't help. 

I'm not sure what to do next... I don't want to lose my home because my mortgage service provider does not want to accept payments from the XXXX assistance program...

Company response to consumer: Closed with explanation