vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-09 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: IN

Complaint narrative:
I have been filing disputes with the Consumer Credit Agencies, and to no avail, I am still plagued with the same problem. Experian has been grossly negligent in validating the debts from several companies listed on my Consumer Credit Report. The information shows to be inaccurate and incomplete. I will attempt to keep each situation separate by filing separate complaints. I have not witnessed the section on my Consumer Credit Report that is listed as, " investigative consumer report '' whereas information on my character, general reputation, mode of living or personal characteristics are obtained through interviews with neighbors, friends, family and those who have first-hand knowledge on any of the negative accounts listed on my Consumer Credit Report ( 15 USC 1681a ( e ) ). I will start with the first complaint, listed on my Consumer Credit Report under XXXX XXXX XXXX XXXX XXXX This account is shown to be account number XXXX, a closed account with no open date listed, it is showing the address of XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Iowa XXXX. NO PHONE NUMBER LISTED FOR ME TO CALL. The credit report account says, " 1 'potentially " negative month '' and a red 'C ' for XX/XX/2019. The original creditor isn't listed, and the amount listed is for XXXX. The credit report also reflects that this account was, " paid, was a collection account, insurance claim or government claim or was terminated for default ''. This listing sound to be unsure, as I am not sure who this company is listed. Please validate the alleged debt, as I believe them to be debt parking on my Consumer Credit Report under the guise of the US Department of Education, but a debt collector. I am unaware of this company listed, please have this company to verify their name, not who they were attempting to collect on an alleged debt for. Please advise this company that I am requesting a validation and proof of claim for them on this alleged debt.

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 2022-01-09 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: LendingPoint Holdings LLC
State: TX

Complaint narrative:
I sent Lendingpoint LLC a Cease and Desist in XXXX of 2021 instructing the company to stop communicating with me through any and all mediums. Lendingpoint LLC has violated my federally protected consumer rights by communicating with me through The Credit Reporting companies, XXXX, XXXX and XXXX after being told to stop. 

15 U.S. Code 1692c - Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Credit File XX/XX/2021, Confirmation # XXXX, Credit File XX/XX/2021, Confirmation # XXXX, Credit File XX/XX/2021, Confirmation XXXX. 

Equifax is reporting the XXXX XXXX account which is identified as an installment loan which is factually incorrect. The true account type is a credit sale agreement. I have a right to an accurate credit file and discrepancies like this are unacceptable. Please remove this account from my credit file. 

XXXX XXXX is required to report accurate information. The continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
On XX/XX/XXXX, A text message was sent to me from XXXX stating, " Wells Fargo Fraud Alert- Did you attempt a XXXX XXXX for the amount of XXXX. Reply yes or no. '' I replied no and then a woman called me from XXXX. My caller ID listed the number as Wells Fargo. She identified herself as a Wells Fargo member and said my account was attempting to be hacked. She got me to give her my account information and transfer XXXX to " myself '' using XXXX thru my banking up. I have never used the XXXX app but she talked me thru how to use it thru my Wells Fargo app. I was hesitant at first but she convinced me it was completely safe and necessary in order to not have my account hacked. She then hung up and I called the number back. It went straight to Wells Fargo and I talked to someone and they informed me that I was scammed out of XXXX. I filed a fraud report with Wells Fargo within XXXX minutes of the transfer but they have since denied my claim. The same women called me the next day to try and get more money out of my account. I hung up on her the 2nd time.

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 2022-01-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
On XX/XX/XXXX I wrote XXXX XXXX XXXX XXXX a letter to ask for a copy of a 1099 because the above account is charged off. This is not a refusal to pay but I believe that XXXX is in violation of the FCRA and FDCPA because I received a letter from XXXX in response to the 1099 and they responded by saying that the account was charged off in XX/XX/XXXX for {$14000.00}. The problem is they have continued to add charges to the account to now make the balance owed to {$16000.00} according to the XXXX credit report that was pulled. I have two other accounts that are charged off with different companies and the balances have not increase after being charged off. I don't understand why the balance of this XXXX continues to increase an estimated 25 dollars a month.

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 2022-01-09 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: NJ

Complaint narrative:
On XX/XX/XXXX I wrote XXXX XXXX XXXX XXXX a letter to ask for a copy of a 1099 because the above account is charged off. This is not a refusal to pay but I believe that XXXX is in violation of the FCRA and FDCPA because I received a letter from XXXX in response to the 1099 and they responded by saying that the account was charged off in XX/XX/XXXX for {$14000.00}. The problem is they have continued to add charges to the account to now make the balance owed to {$16000.00} according to the XXXX credit report that was pulled. I have two other accounts that are charged off with different companies and the balances have not increase after being charged off. I don't understand why the balance of this XXXX continues to increase an estimated XXXX dollars a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
On XX/XX/XXXX I wrote XXXX XXXX XXXX XXXX a letter to ask for a copy of a 1099 because the above account is charged off. This is not a refusal to pay but I believe that XXXX is in violation of the FCRA and FDCPA because I received a letter from XXXX in response to the 1099 and they responded by saying that the account was charged off in XX/XX/XXXX for {$14000.00}. The problem is they have continued to add charges to the account to now make the balance owed to {$16000.00} according to the Experian credit report that was pulled. I have two other accounts that are charged off with different companies and the balances have not increase after being charged off. I don't understand why the balance of this XXXX continues to increase an estimated XXXX dollars a month.

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 2022-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Scratch Services, Inc.
State: UT

Complaint narrative:
I received a XXXX loan which was forgiven but the company continues to say I owe money even though they sent me an email months ago saying the debt was forgiven. I have left voicemails, emails and tried calling and cant get a hold of anyone nor do they ever email or call me back.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Fraud was committed on our Barclay cards starting XX/XX/XXXX. Our account was put on a high alert/risk status. My card physically failed to work on XX/XX/XXXX. I called Barclay to query. I was told two things. First potentially fraudulent transactions have been occurring, and the card failed to work because of a faulty chip. These two things are obviously unrelated. 

Regarding the fraudulent transactions, it was ascertained, after numerous phone calls, that a hacker had changed our account such that all control and information would go to him/her. When a suspect transaction occurred, apparently the hacker was able to respond by stating " yes that is a valid transaction ''. 

Regarding the faulty chip, two new cards were to be shipped overnight. We were told to activate the cards, and recreate our account online. The cards did not arrive. Further phone calls to Barclay divulged these cards must have been sent to the hacker not to us. Further fraudulent charges were being put on this account. 

We were able to reinstate contact information, via a phone call with Barclay, and once again new cards would be sent to us overnight such that we could activate and reinstate our account. One of the two cards arrived the next day. 

We have spoken to at least seven agents for approximately six hours. We still receive calls from Barclay stating suspected fraud is occurring. Many of these calls are received while on the phone with Barclay agents. 

We have lost all confidence in Barclaycard. That they are incapable of freezing an account until obtaining valid account information and reissue cards, escapes all logic. 

To date approximately {$40000.00} of fraudulent activity has occurred on this account. Some has been denied. 

After numerous conversations, two separate case numbers, and at least three different statements of " elevated fraud status '', this problem remains unresolved. We look for acceptable resolution and close the account. 

My wife and I have been with Barclay since XXXX. That a hacking and fraud has been committed is unfortunate. That Barclaycard is thus far incapable of stopping the problem is disturbing. 


XXXX XXXX XXXX XXXX XXXX. 
XXXX, CA 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 2022-01-09 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: TN

Complaint narrative:
On XX/XX/XXXX, I sent a letter via certified mail with copies of documentation received from XXXX XXXX regarding the removal of a Bankruptcy that was reported in error. I never received a response from anyone at Equifax to correct the matter. I sent another letter on XX/XX/XXXX following up because the tracking on the letter said it was signed for and received and we are now into XX/XX/XXXX and they still have yet to respond to my inquiry or launch an investigation after I have provided proper documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
To whom it may concern, I hope this email finds you well. I would like to resolve this issue and get my promotional offer of {$300.00} as TD Bank promised. I am escalating this matter because customer service couldn't help. 

Unfortunately, TD did this same thing to my husband as well. They always trick customers. It's unacceptable! They don't care about your customers. If we don't go for a resolution, we will never ever use TD bank again and I will tell this to our friends and family as well. They all should avoid their services if you don't care about your customers. We were even thinking to bring our investments and IRAs to TD XXXX portal but now we are not happy with this situation at all. 

I opened the bonus offer via your website and it was saying {$300.00} bonus. via this link : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX  XXXX & XXXX & XXXX There was nothing about XXXX XXXX Mail ' campaign on the link even in the blueprint. And this time we read the blueprint in detail 3 times. We always open different bank accounts with different banks and we never had any issues like this with another bank! They are always click-baiting new customers! We gave them a second chance and this time we read all the blueprints did the right things. This is awful! They should do some empathy and see this from their customer 's side. They literally betrayed us. They just care about a new customer 's direct deposit and they're not loyal to their words and promotions. It's very frustrating. They just care about our money, not your customers as they said on your PR and quotes. 

Please do your best to resolve this unprecedented treatment to your customer. I completed all of the required steps as you requested. I do demand my {$300.00} bonus as you promised. Please send the bonus via snail mail to my address Thank you for understanding. Please accept my rage and frustration on this matter. 

Best regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 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: PA

Complaint narrative:
i have alot of inaccurate acoounts on my credit report that does not belong to me i feel really upset about this matter and willing to file a lawsuit i reach out to XXXX  /equifax/and XXXX about theses issues its stop me from getting a mortage from fha please help me resolve these problems thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 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: PA

Complaint narrative:
i have alot of inaccurate acoounts on my credit report that does not belong to me i feel really upset about this matter and willing to file a lawsuit i reach out to XXXX XXXXand experian about theses issues its stop me from getting a mortage from fha please help me resolve these problems thank you

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 2022-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
The law firm XXXX XXXX XXXX XXXX XXXX XXXX, XXXX - Collection company suing me wrongfully for an alleged fradulent debt in the amount of {$600.00}. I do not owe this alleged debt to any company. I have tried to validate this debt with the plaintiff 's office after receiving the court notice ; however, I was unsuccessful in reaching anyone from his/her office to discuss the case in detail or request for verification of the debt. I need the actual creditor name and address, the date the alleged account was opened, the contract agreement, the date of the alleged account first defaulted, the date ( s ), and a copy of the collection letter ( if any ) was mailed, etc. At this time, I do not have anything from this law firm ( collection company ) other than pay this debt by them using a court notice, which I disagree with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: SC

Complaint narrative:
In the month of XXXX, many users of XXXX XXXX wireless phones had their numbers " ported '' to XXXX XXXX fraudulently. ( I have attached documentation of this to the end of this complaint ). Once the " port '' occurred, the hackers took control of people 's phone numbers and used it to gain access to their accounts, such as XXXX ( a cryptocurrency app ) and used that to charge their bank accounts. Many users online are reporting this fraud. 

My telephone number XXXX was ported without my permission on XX/XX/2021. I lost control of my phone number that day. 

I was then the victim of identify theft and unauthorized charges from PNC bank on XX/XX/2021. 

Specifically, the following charges were made on my PNC Bank account : XX/XX/2021 - {$200.00} - XXXX - ACH WEB XXXX XX/XX/2021 - {$200.00} - XXXX - ACH WEB XXXX XX/XX/2021 - {$200.00} - XXXX - ACH WEB XXXX XX/XX/2021 - {$200.00} - XXXX - ACH WEB XXXX XX/XX/2021 - {$200.00} - XXXX - ACH WEB XXXX I bank with PNC Bank and I immediately called PNC Bank on the XXXX to report the fraud. I was told that my username and password were being charged and a new debit card would be issued and that a dispute was being filed. 

The following day on XX/XX/XXXX, I went to the PNC Bank in XXXX, North Carolina and was told that no dispute was filed, no user id / password was changed, and my debit was not cancelled or stopped. At that time, they filed the dispute at the branch. The charges were still pending at this time and had not posted. They told me the charges must post before a dispute could be filed. 

Please understand that during this process I didn't have access to my phone number ( and still haven't gotten it back yet ) due to the identity theft. 

On XX/XX/XXXX, I received a letter from the bank that denied my dispute for these fraudulent charges, even though they are obviously fraudulent, repeated {$200.00} charges and many other users are experiencing the same behavior from XXXX. 

Also, I was charged overdraft charges due to the fraud and a {$33.00} charge to stop my debit card due to fraud! 

The letters say that " the date you revoked your authorization with ( the transactions ) was after the transaction posted. As a result, a credit will not be issued to your account. '' But this isn't true. As I mentioned, I called the bank on the XXXX and went in the following day to explicitly revoke any authorization for those transactions. Importantly, I was told that I couldn't dispute the transactions UNTIL they posted. But now they are denying my dispute on the grounds that I didn't revoke authorization until after they posted .... 

HERE ARE OTHER USERS THAT ARE EXPERIENCING THIS PROBLEM RIGHT NOW AS WELL WHO HAD THEIR NUMBERS STOLEN : https : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
I have written letters etc and Im still having issues with my credit score because this debt is not mines

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: CA

Complaint narrative:
US BANK PROMOTION OFFER XXXX promotion offer. Account opened and only activated after the estatment XX/XX/XXXX provision. The main office held on to opened account then replyed to customer just in time to miss the offer.

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