vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-05 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: NY

Complaint narrative:
I going through my credit report and noticed some inaccurate information that i did authorize. I sent out letters to the company over 30 days ago and still havent got a response and the response is saying about verification that I keep sending in. These accounts are hindering it are keeping getting a loa? Please remove these items from my credit this my third letter Im resending

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXX at XXXX I received a phone call from them. He stated his name was XXXX and he was trying to collect a debt, I told him I am a XXXX XXXX XXXX and I don't have any money coming in, and he told me he can give me a 55 % discount if I pay it now. I again repeated to him I don't have a job I am a XXXX XXXX XXXX and I asked if this was his best call back number because my intent was to pay for it within the next few months, ( i'm cleaning up my credit ). He then tried to tell me he can spread the payments out to {$20.00} a week. I again repeated to him, I do not have a job I am a full time college student, I don't want to make a promise to pay for it right now and it makes my credit worse. He then continued, to tell me that I was being irresponsible for not paying my debt, I then proceeded to advise him again I am a XXXX XXXX XXXX I don't have any income so I can not pay for it, he then told me I haven't been a student for 5 years when this account opened. and its NONE of their business but I was in a CAR ACCIDENT shortly after this account was opened, After telling him that and telling him that I've been a student for 3.5 years he then told me that I will not be getting anymore student loans if I do not pay off this debt. He also asked me " so since your a XXXX XXXX XXXX are you in school for 12 hours a day '' I responded no I take 4 or more classes every semester, he then told me that his daughter is a XXXX XXXX XXXX and has a job and is responsible enough to pay for her debt ...? I don't understand, he doesn't know my situation like I explained earlier when I told him I got into a car accident but again its none of his business. I could be dealing with a family deaths, COVID, I could be homeless, I could have XXXX, YOUR COMPANY DOESN'T KNOW, SO THIS HARASSMENT WAS COMPLETELY UNPROFESSIONAL. The call continued where he was just spewing all these different things to try to get me to pay for the debt, it got to the point where I asked him if he was hired to harass me because that what this call turned into. I hung up 7 minutes into the call because my husband was getting frustrated that there was a MAN harassing me on the line trying to degrade me in order to pay a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: WA

Complaint narrative:
I contact Midland funding LLC about my 2 accounts with them ( XXXX XXXX  and XXXX XXXX XXXX  ). Midland Funding LLC assigned my two accounts with them to XXXX, XXXX XXXX XXXX XXXX. I contact XXXX, XXXX XXXX XXXX XXXX to settle the said two accounts. They informed me that there is a third account under my name. I asked them who is the creditor, they said it is from XXXX XXXX  that was sold to XXXX XXXX add XXXX XXXX assigned the account to them to collect. 
That XXXX XXXX  account had been settled and paid long time ago. 
XXXX, XXXX XXXX XXXX XXXX is not helpful when I tried to explain to them that it was settled and I gave them the confirmation # that the account is settled. They insist that all three account should be paid. 
I do not know how to handle this situation. I just want to settle what I owe and not what i already paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-05 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: CA

Complaint narrative:
The bureaus are reporting an account with XXXX XXXX that I settled last year!!! I have sent in multiple disputes and they continue to report this debt. I have sent several letters to XXXX XXXX saying they are reporting inaccurately and have filed several complaints and no one can get a hold of them. This account is hindering me from being able to buy a home and this needs to be fixed immediatley.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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: CA

Complaint narrative:
The bureaus are reporting an account with XXXX XXXX that I settled last year!!! I have sent in multiple disputes and they continue to report this debt. I have sent several letters to XXXX XXXX saying they are reporting inaccurately and have filed several complaints and no one can get a hold of them. This account is hindering me from being able to buy a home and this needs to be fixed immediatley.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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: World Acceptance Corporation
State: TX

Complaint narrative:
documents attached shows this account is reporting inconsistently across the credit reporting agencies the account type is wrong account status is inconsistent the date open has serval different dates it appears twice on my credit report as is its two different accounts last date active is very different on each agency.. and account violatates Section 16.004 of the Texas Civil Practice and Remedies Code The statute of limitations on debt in Texas is four years.

Section 392.007 of the Texas Finance Code This section of the law, introduced in 2019, states that a payment on the debt ( or any other activity ) does not restart the clock on the statute of limitations. It also requires that debt buyers provide written notice to a consumer if the limitations period has expired.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In XX/XX/2021 I accepted a pay to delete agreement from XXXX XXXX. I paid the requested amount for the account in full. All three credit bureaus refuse to delete the XXXX account from my credit report, they only updated. I have enclosed a copy of the letter from XXXX 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 2021-08-05 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: FL

Complaint narrative:
In XX/XX/2021 I accepted a pay to delete agreement from XXXXXXXX XXXX. I paid the requested amount for the account in full. All three credit bureaus refuse to delete the XXXX account from my credit report, they only updated. I have enclosed a copy of the letter from XXXX XXXXXXXX XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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: FL

Complaint narrative:
In XX/XX/2021 I accepted a pay to delete agreement from XXXXXXXX XXXX. I paid the requested amount for the account in full. All three credit bureaus refuse to delete the XXXX account from my credit report, they only updated. I have enclosed a copy of the letter from XXXX XXXXXXXX XXXXXXXX ( XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Home loan/Mr Cooper ( Nationstar ) I purchased my parents home in XXXX of XXXX after they passed. My loan was taken over by Mr Cooper in XXXX of XXXX. My paperwork was being processed by the XXXX XXXX County Assessor 's office for my change of title. I qualified for parent-child transfer ( Prop 58 ) in XXXX of XXXX but my file was not complete due to the pandemic. The assessor 's office sent me a letter that I qualified for prop 58 but no one was working in the office. I was told to continue paying any tax bills because I would be reimbursed by the Assessors office eventually. This put my property into reassessment. Mr Cooper changed my loan payment from {$1300.00} to {$2700.00}. I paid this amount for 6 months. According to statements {$1500.00} was to be applied to escrow, which they did not do. The office put my escrow account into the negative {$11000.00}. I tried contacting Mr Cooper several times but no one would help. I would start working with one rep then no reply continuously.

XXXX  Assessors office finally did the reassessment and started sending my payments back to me. Mr Cooper finally ran an analysis but my loan payments were not being lowered so I contacted mr cooper and they said I needed to pay {$5700.00} to cover the negative balance but once they ran the analysis I would get it back. I've been trying to work with them but no response. I submitted a complaint to XXXX XXXX on XX/XX/XXXX but they said they can not audit Mr Coopers escrow because they are their own entity. MR Cooper did send me a refund for a tax payment they submitted in error. But now they are going to raise my loan payment in XX/XX/XXXX from {$130000.00} to {$1400.00}. They change my loan payments whenever. Statements sent to me show interest charged for {$4800.00} and a charge of XXXX XXXX, which last year the charge was $ XXXX.These amounts are about the total they owe me. I have been dealing with these problems for over a year. I've contacted two lawyers and they can not help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
I contact XXXX XXXX XXXX about my 2 accounts with them ( XXXX XXXX and XXXX XXXXXXXX XXXX ). XXXX XXXX XXXX assigned my two accounts with them to XXXX, XXXX XXXX XXXX XXXX. I contact XXXX, XXXX XXXX XXXX XXXX to settle the said two accounts. They informed me that there is a third account under my name. I asked them who is the creditor, they said it is from Barclay Delaware that was sold to XXXX XXXX add XXXX XXXX assigned the account to them to collect. 
That Barclay Delaware account had been settled and paid long time ago. 
XXXX, XXXX XXXX XXXX XXXX is not helpful when I tried to explain to them that it was settled and I gave them the confirmation # that the account is settled. They insist that all three account should be paid. 
I do not know how to handle this situation. I just want to settle what I owe and not what i already paid.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Noticed on XXXX statement unauthorized XXXX charges on my Bank of America statement. Found that the charges had started in XXXX. Charges totaled roughly {$1400.00}. Filed a fraud complaint with Bank of America. Bank of America denied the claim stating that an authorized user on the account used the card and made the purchases. This is an erroneous conclusion as there is no other authorized user on the account and I did not make these purchase. I only use my XXXX card to make XXXX purchase. Not my Bank of America card. 

I appealed the decision and also spoke to XXXX. XXXX confirmed that the transactions were not made by someone on my account and sent me an email stating so. I faxed the email to Bank of America on the appeal but Bank of America still denied the claim citing the same reason that an authorized user made the charges. 

Bank of America claims in their credit card literature that there is 100 % liability protection for unauthorized charges. This is clearly no the case and upsetting that Bank of America refused to refund any of of the {$1400.00} in authorized charges. This just doesn't seem fair. 

Hopefully you can help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I filed a fraud claim with Bank of America and they didn't even attempt to investigate my case. They closed it out immediately without reason. It has come to my attention that there is a case open against them with the federal court. I'm also reaching out to the courts for assistance in this class action. I'm also asking for your assistance in this matter. 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 2021-08-05 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: FL

Complaint narrative:
There is a regions account report on my transunion and XXXX  report that should not be there. The debt was paid a removed. Per my XXXX  report I see where the account was removed. But it is still listed on my XXXX  and transuion account. Below I will attach a copy of all 3 reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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: IL

Complaint narrative:
All experian wanted to do was sell an upgrade to my account. When I called to file a dispute. All 3 of the phone numbers on their website hung up on me, when I tried to talk to someone to file a dispute. The online chat just told me to keep trying. Finally got a website. Which said will be reviewed by XXXX XXXX not 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 explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK
State: CA

Complaint narrative:
I opened a savings account with Discover Bank on XX/XX/21 and even had to call in to do a verification call with them. At no time even when calling in before the account was opened did they say anything about an account I had from a few years ago that was closed. NOTHING!!! So I was not even aware of this account, well two days later the froze the account and closed it because of this old account. Now mine you I had deposited a settlement check I had gotten from an insurance settlement. This check was to be held for 7 days, which was fine since I just wanted the money for savings. Well I called when I got the text about the account be frozen and was told it was closed and most likely the would just reverse the check deposit since it was still pending, I of course did not believe this and called XXXX where the check was drawn from and was told the check had been cashed already! SO I called discover back and was told so rudely oh yea well we will mail you a check after it has been 60 days! What! Oh yes its are policy to keep customers money to make sure everything is ok. Really OK with what! The account had only one transaction and it was the deposit, its been 2 days! Well he said so sorry too bad were keeping your money for 60 days then we will mail you a check and it will take another 2 weeks.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-05 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: CA

Complaint narrative:
I made a purchase on XX/XX/21 for {$94.00} to a merchant company name XXXX and the put the wrong name on the shipping label and the box was given to a person with that last name XXXX this company my the error and the credit company which is Barclays on my Wyndham Reward Card my question is why am I responsible for this company mistake so I have to pay for an item I never received my case # XXXX & the company # is XXXX XXXX XXXX I also have the print out that show the wrong name on the shipping label please help me if you can I have more facts I can fax to you to prove my point. 
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 2021-08-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I had just open a capital One account and the card was stolen from my gym locker with other items. Someone ran up the card to XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
The issue I have is with my bank Wells Fargo. 

XXXX XX/XX/XXXX : I made a wire transfer for {$1400.00} using online banking. Wells Fargo fee for Wire Transfers is {$30.00}. The money was promptly deducted from my account, but the transfer amount and the fee. The transaction shows as COMPLETED _ XX/XX/XXXX : The money had not arrived at my recipient 's bank. XXXX : The XXXX XXXX XXXX XXXX  XXXX. I called Wells Fargo and asked them for any information they could provide. They recommended I FILED A FORMAL CLAIM, so I did CASE ID NUMBER XXXX. They said I would hear back from the claims department. They also provided IMAD # XXXX. I gave it to my recipient for him to inquire at his bank. 

XXXX XX/XX/XXXX : Never heard back from Wells Fargo. I called again, after a long time waiting I got now new information on the claim. Wells Fargo said Claims usually take up to 10 business days to get resolved XXXX XX/XX/XXXX : Called again and again they had no new information on the case. Only the notes from XX/XX/XXXX. Not from XX/XX/XXXX. After almost 1 hour on the phone, they gave me more numbers to see if we could track the problem with the other bank but did not offer any new information on their end. 
Confirmation Number : XXXX Transaction number : XXXX Reference number : XXXX _ XX/XX/XXXX : I was on the phone for a long time, talk to 3 different bankers all very nice, but none could give me any new information on the case after almost a month after the claim, no one had looked into it. At this point, I asked for a refund ASAP. They took note. I talked to XXXX, XXXX, and XXXX. They tell me for the first time that the recipient 's bank never got back to them. I ask my recipient to talk to his bank XXXX XX/XX/XXXX : Still nothing new in the case. Talked to XXXX from the Consumer Advocacy Ex. Service and XXXX. At this point, they tell me that they only can see that the transaction was completed on XX/XX/XXXX and they can not verify if there was a problem because

no one from the Wire Claim department has looked into it. I have a paper from my recipient 's bank stated they never got the money. I am told there is no way I can send that to Wells Fargo, that they will call to ask for more informatio
n.

They never called. 

_ XX/XX/XXXX : Called again, Talked to XXXX. No new information on the claim. They have not looked into it. Again I asked to have my money back. She said she sent an email to the wire transfer claim department directly and that they should be contacting me in few days. 

I am filing this claim and would take the steps to close my accounts with Wells Fargo.

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