vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-08 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: EQUIFAX, INC.
State: NC

Complaint narrative:
This debt has been a burden on my credit report for a long time. The first issue is that its a closed account still reporting late payments. Second issue is that the debt is no longer owned by this company. The debt is owed to XXXX XXXX. Also, When asked to verify all 4 exact same debts i was told that it was " verified '' no type of documentation or signatures. These duplicated ( 4 In total ) accounts are bringing my score lower and preventing me from getting a home. I will like the outcome of this complaint to be all accounts ( 4 in total ) labeled " DEPT OF ED/XXXX '' be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08 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: NC

Complaint narrative:
This debt has been a burden on my credit report for a long time. The first issue is that its a closed account still reporting late payments. Second issue is that the debt is no longer owned by this company. The debt is owed to XXXX XXXX. Also, When asked to verify all 4 exact same debts i was told that it was " verified '' no type of documentation or signatures. These duplicated ( 4 In total ) accounts are bringing my score lower and preventing me from getting a home. I will like the outcome of this complaint to be all accounts ( 4 in total ) labeled " DEPT OF ED/XXXX '' be deleted.

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 2020-02-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SCA Collections, Inc.
State: NC

Complaint narrative:
dont know why this account is on my credit report. I need it verified.

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 2020-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
In XX/XX/XXXX, my son opened a XXXX XXXX credit card account and added me as an authorized user to help boost my score so that I can pursue the purchase of my first home. XXXX XXXX has reported this account on all 3 credit bureaus since it has been open and after more than 3 years, my score was finally where it needed to be to start the mortgage process. However, in XX/XX/XXXX, Transunion failed to report this account and stated that it was removed. My FICO score immediately dropped 46 points, leaving me with a score that no longer qualified for a mortgage. The first action I took was a call to XXXX  XXXX on XX/XX/XXXX to inquire about why my account was removed from Transunion ( it still shows on XXXX  and XXXX to this day ). No one had an answer for me, but the customer service rep was able to verify that I was still an authorized user on the account and that is was in good standing. She told me to contact Transunion to have them pull up the information they had sent for reporting. I then called Transunion as directed and they said to call XXXX XXXX back again and tell them to resend the information because they were not showing anything. Still, no one can tell me why it was removed in the first place and I can't dispute something that is missing. I called XXXX XXXX back and told them what Transunion told me and XXXX XXXX assured me that they have submitted my account information to them already and that it may take a few days after the statement closing date ( the XXXX of each month ) to appear. I gave it some time to see if that would happen. And of course, it did not. On XX/XX/XXXX I called XXXX XXXX back to inform them that it still has not been reported on Transunion. Again, they verified my account in good standing as an authorized user and assured me that they have submitted my account information to all 3 credit bureaus. Due to the lag time it takes the bureaus to update the information it should show up a few days after the XX/XX/XXXX statement closing date. As of XX/XX/XXXX it is still missing from Transunion, but currently reports on the other 2 bureaus. Documents and statements are being submitted with this complaint against Transunion to support my claim. I have worked diligently to improve my credit so that I can finally become a homeowner. But Transunion 's gross negligence of not reporting this vital information that has been furnished by XXXX XXXX on my behalf has prevented me from qualifying for a mortgage. Someone wrongfully removed my account and the devastating effects were immediate. I should not have to wait 45 - 90 days for it to be fixed.

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 2020-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
As of XX/XX/2020 the company has not verified my debt to them with anything that has my signature on it as required by the FAIR CREDIT ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PlusFour, Inc
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX ) XXXX XXXX Federal Trade Commission Consumer and Governmental Affairs Bureau Consumer Inquiries and Complaints Division XXXX XXXX XXXX, XXXX. 
Washington, DC XXXX Re : XXXX XXXX Plus Four ( Refuses to accept any correspondence or delete the discrepancy ) To whom it may concern : I am respectfully requesting an investigation be initiated on my behalf on the above-mentioned company, specifically Plus Four Inc. I have on numerous occasions sent correspondence, thus was refused by Plus Four Inc., made phone numerous telephone calls to both of the named companies and they continue to report false information on my credit profile. 

I have been continuously harassed by this company as they are trying to collect on a medical bill when I had medical coverage on the dates of services they have provided. My Health Plan Insurance provider has also been in contact with the initial medical provider, and thus as per the attached correspondence the medical provider has noted a {$0.00} balance on my account. 

Plusfour has been notified on several occasions from the original creditor to delete any and all discrepancies and they have refused to do make ti proper corrections/deletions to date. 

Although, I have continuously informed the referenced collection agency of this they continue to harass and demand payment and refuses to accept any of my written correspondence or the direction from the original creditor, XXXX XXXX. 

I have also written all three credit bureaus, and XXXX, has been the only agency that refuses to accept my evidence and delete from my credit profile. 

I am hopeful that you can assist in getting this resolved and removed. I thank you for initiating this claim and taking the time to assist me in rectifying this issue. I would also like to initiate and exercise my rights to collect the fees ( {$1000.00} per occurrence ) as per the FCRA of not removing when I first requested on XX/XX/2019. 

Regards, XXXX XXXX XXXX cc : XXXX XXXX PlusFour Inc. ( Refuses to accept any correspondence )

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 2020-02-08 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
Barclay 's Card US did not tell me they were checking my credit ( hard pull ) before taking my application for a credit line increase. Many card companies do soft pulls and they notify you if they have to do a hard pull. Barclay 's did not give me any information about a hard pull. I would not have submitted my application had I known that my request would result in a hard pull to my credit. I'd like Barclay 's Card Services US to remove this hard pull from my account because I didn't consent to it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Omega RMS, LLC
State: IL

Complaint narrative:
Consumer Financial Protection Bureau Complaint Department XXXX XXXX XXXX XXXX, IA XXXX Dear CFPB Customer Service Team, I am a victim of ID theft. I am writing to file an immediate complaint with Consumer Financial Protection Bureau to assist me with rectifying the unauthorized account matter as follows. I tried to resolve the matter directly with Omega RMS LLC XXXX XXXX directly and I was not able to get their cooperation. As I discovered that, my personal information was used to open an account at Omega RMS LLC XXXX XXXX. I am certainly not aware and did not open or authorize this account, and I therefore request that it be closed immediately. I also requested that Omega RMS LLC XXXX XXXX absolve me of all charges on the account, and that take all appropriate steps to remove information about this account from my credit files. Im able to see this account being reported on the XXXX  Bureau Report which is enclosed. 

Enclosed is a copy of my Identity Theft Report filed with police dept., and a copy of my credit report showing the fraudulent account related to Omega RMS LLC XXXX XXXX that are the result of identity theft. Also enclosed is a copy of the Federal Trade Commission notice to furnishers of information, which details your responsibilities as an information furnisher to credit reporting companies ( CRCs ). As a furnisher, upon receipt of a consumers written request that encloses an identity theft report, where Omega RMS LLC XXXX XXXX are required to cease furnishing the information resulting from identity theft to any credit reporting company. 

The Notice also specifies responsibilities of when Omega RMS LLC XXXX XXXX receive notice from a CRC, under section 605B of the Fair Credit Reporting Act, that information Omega RMS LLC XXXX XXXX provided to the CRC may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRC and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 

Please consider investigating this above matter, and assist me with unauthorized loan account with Omega RMS LLC XXXX XXXX. and absolve me of all charges. I hope to hear back from you soon regarding my above inquiry to close and permanently remove the unauthorized account shared above with Omega RMS LLC XXXX XXXX on all 3 credit bureau reports. Please reach me at XXXX for any further details. Thank you for your prompt consideration in the above matter and your assistance very much. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
I checked my credit and saw two accounts from PHOENIX FINANCIAL SERV for XXXX XXXX XXXX  XXXX XXXX in the amount of {$750.00} and for XXXX XXXX XXXX XXXX PA in the amount of {$740.00}. 

I had no prior knowledge of these debts and was never contacted by the collections company or the medical facility. 

I made both facilities aware that I was homeless and unemployed at the time of service and needed financial assistance. 

These debts reported are a violation of my HIPAA rights as I did not receive any care from Phoenix Financial Services. The moment they accessed my records without a consent was the moment theyre violated my rights. 

I also checked with XXXX / XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and not locate a business Registration or status of activity for the company based in IN to do any business here. Therefore they are operating illegally.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF THE WEST
State: CO

Complaint narrative:
In XX/XX/XXXX I signed up for a Bank of the West checking account with a XXXX dollar bonus if I made more than 1500 dollars of payroll deposits into the account in a 4 month period in a row. According to my statements I satisfied this requirement in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and even XX/XX/XXXX. However they never paid out. I talked to a rep on the phone in XX/XX/XXXX and they told me Id see the bonus in my account on XX/XX/XXXX. This didnt happe so I called again the first week of  XX/XX/XXXX and asked what happened. The rep told me the XXXX dollar bonus would be in my bank account the last day of XX/XX/XXXX. This never happened. Finally I emailed on XX/XX/XXXX and got a respond on XX/XX/XXXX that they did some research and they dont know what happened. I just want that XXXX dollar bonus

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 2020-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Working to avoid foreclosure submitted application for a short sale. Received an offer and submitted it. The bank sent out an appraiser to inspect the property and the bank sent out a decision letter based on that appraisal. The decision letter was dated XX/XX/2020, but it was not received until XX/XX/2020. The decision letter stated that they needed to receive XXXX to make a deal on the property. Rejecting the previous offer. 
Then they put a sale date on my property of XX/XX/2020 and say that I can not present a buyer with a hirer offer because it is too close to the sale date. 
Also my 3rd party Broker and myself have requested a copy of the appraisal and we were denied. 
I believe that Wells fargo is acting in bad faith by denying me a copy of the appraisal. 
Also once they came up with a price for me to sell the property then they denied me the chance to sell it. I have ready willing and able cash buyers with no contingencies and Wells Fargo will not accept the application to review. 
I feel Wells Fargo is using my property as a cash register for their benefit. I believe that are in violation of the law CPLR 3408 whereas the bank must act in good faith to review not Just for a Loan Modification but also short sale alternatives. 
Wells Fargo is acting in bad faith.

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 2020-02-08 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: EQUIFAX, INC.
State: CA

Complaint narrative:
MY right under the FCRA Section 609 and Section 604 I request a method of verification. I am invoking the Fair Credit Reporting Act Section 611 to ask that you provide me with the following information : 1. The date you contacted the creditor 2. The contact information for the creditor 3. The name of the person who verified the item to you 4. The method of communication you used to verify this information 5. Did the creditor provide you with my SSN, address, and Date of Birth?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/2020, I placed an order via an online store, through XXXX. I messaged the individual who claimed to be the owner of the online store. She claimed to have had her business for several years and was successful. I placed an order for 1 designer purse and wallet, 2 designer belts, and 1 designer hoodie. Before I secured the order I inquired about the payment method and delivery service. Again, I was assured the business was legit and would get a tracking # for my purchase and I would be getting the items with in 3 to 5 business days. The individual stated she uses Cash App to receive payments. I went ahead and paid {$600.00} for my items. However, I never received my items, tracking #, or a REFUND. On XXXX, I attempted to retrieve my refund from Cash App which denied reversing the transaction even though I informed them I never got the items I had ordered. My second resort was to contact XXXX  XXXX XXXX. On XXXX, I opened up a claim. The bank researched the claim and then denied overturning the transaction even though I never received the items/services. XXXX basically took the same steps I did, which was contact Cash App and did not resolve anything. I believed that because they are a reputable established FDIC bank, I would have had better results. Instead, XXXX was of not helpful at all. After banking with them for approximately 25 years, XXXX did not offer any support or do anything. It should be noted, during the two claims which were submitted, I continued to have contact with the individual requesting an order status, a tracking #, a delivery date, until I finally asked for a refund. She would avoid my messages even though I was notified she was online. Therefore, at this time I would like to know what I can do to get my money back and report her so called business so she will not continue to scam people out of their hard earned money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Late or other fees
Company: JPMORGAN CHASE & CO.
State: AK

Complaint narrative:
I have a checking account with JP Morgan Chase Bank. I had a safe deposit box at the Chase bank at XXXX XXXX XXXX, XXXX  XXXX, XXXX. I went in person to the branch and closed the box on XXXX. I was missing one of the keys, and was told the box would have to be re keyed if I could not find the key. 
When I returned home to XXXX, I found the missing key. I had not been billed for the locksmith  yet. I called the Service Center at XXXX to get a number for the XXXX XXXX branch. I called that number, XXXX, and asked if I could still send in the key and was given the address to send it to. I confirmed at this time that the box was closed. I mailed the key via certified mail for which I have a receipt dated XXXX. 
When I opened my statements after being away for part of the winter, I saw that I had been charged for another year 's rental fee for the box ( XXXX ) as well as a {$12.00} service fee for being below the minimum balance for a free account. I called the branch to have that corrected but a recording said that all representatives were busy, and to call back. I called back several times that day and the next, hearing only the same message each time. 
I called back the following week several times. I called at various times and days of the week thinking that surely someone would respond. Over the next several months I tried the number multiple times. I called the XXXX again and was told that for safe deposit box issues I would have to contact the branch, or go in person. Even the service center representative called the branch for me and could not get a person to answer. I live in XXXX  and can not go in person. I have continued to call at random intervals over the last year, and have never reached anyone, only the same recording. 
I have been unable to correct the original error, the improper charge for the box rent of {$95.00} and the resulting service fee of {$12.00} per month. I want to close the account completely, but fear that I will never get back the money that has been improperly debited from my account. The fees are still being debited, going on for 13 months now. So far Chase owes me {$250.00}. 
Today, XXXX I again spoke to the service center at the 800 number. I asked for a supervisor, who called the branch and got the same recording. She gave me two other  numbers. I asked her to call them for me and she hung up on me. I do not know how to resolve this please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-08 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: FL

Complaint narrative:
XXXX XXXX XXXX  XXXX - XX/XX/2019, appears to be late on report. This account was never late. Please correct and update. 
XXXX XXXX  - I am unaware of this account. I never authorized this account. Please investigate and delete. 
XXXX XXXX XXXX - I did not authorize this company to inquire on XX/XX/2019 about my report. I did not authorize this inquiry. Please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08 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: CA

Complaint narrative:
MY right under the FCRA Section 609 and Section 604 I request a method of verification. I am invoking the Fair Credit Reporting Act Section 611 to ask that you provide me with the following information : 1. The date you contacted the creditor 2. The contact information for the creditor 3. The name of the person who verified the item to you 4. The method of communication you used to verify this information 5. Did the creditor provide you with my SSN, address, and Date of Birth?

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