vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-24 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:
On XX/XX/2021, my credit card was used around XXXX XXXX and I reported to Bank of America about the fraud. The amount was {$42.00}. Bank of America refunded the amount at first, then the bank charged me 2 times for taking back the amount, which is {$84.00}. I have called the bank several times to request for help to clear the charges as I did not use my credit card for XXXX  *XXXX XXXX onXX/XX/XXXX. My issues have not resolved.

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 2021-07-24 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: Navient Solutions, LLC.
State: PA

Complaint narrative:
The creditor/ " debt collector '' has failed to adhere to Section 609 of the Fair Credit Reporting Act. With failure to send back proof including a signed application within 30 days of request, the creditor/ " debt collector '' has violated my rights and is required to remove the alleged debt.

Please remove the alleged debt for the credit/ " debt collector '' has violated my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nelnet, Inc.
State: NM

Complaint narrative:
my address is listed wrong on XXXX XXXX and also Department of Education Nelnet. I have multiple address on my credit reports. The only address that should be on my credit reports is XXXX XXXX XXXX. XXXX XXXX  XXXX. Please advise or fix this issue once it is received

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: N26 Inc.
State: CA

Complaint narrative:
On XX/XX/2021 N26 BANK FROZE MY ACCOUNT AFTER WINNING XXXX $ IN DISPUTES THAT WERE PERMANENTLY CREDITED TO MY ACCOUNT. THEY PUT MY ACCOUNT UNDER REVIEW & WILL NOT GIVE ME ANY UPDATE AS TO WHEN XXXX HAVE ACCESS TO MY MONEY ALL THEY SAY IS THERE IS NO TIMEFRAME & THEY ARE INTENTIONALLY TRYING TO KEEP MY MONEY FROM ME & IVE BEEN A ACCOUNT HOLDER FOR OVER 3 YEARS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
The creditor/ " debt collector '' has failed to adhere to Section 609 of the Fair Credit Reporting Act. With failure to send back proof including a signed application within 30 days of request, the creditor/ " debt collector '' has violated my rights and is required to remove the alleged debt. 

Please remove the alleged debt for the credit/ " debt collector '' has violated my rights

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 2021-07-24 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: PA

Complaint narrative:
The creditor/ " debt collector '' has failed to adhere to Section 609 of the Fair Credit Reporting Act. With failure to send back proof including a signed application within 30 days of request, the creditor/ " debt collector '' has violated my rights and is required to remove the alleged debt.

Please remove the alleged debt for the credit/ " debt collector '' has violated my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Th

e creditor/ " debt collector '' has failed to adhere to Section 609 of the Fair Credit Reporting Act. With failure to send back proof including a signed application within 30 days of request, the creditor/ " debt collector '' has violated my rights and is required to remove the alleged debt. Please remove the alleged debt for the credit/ " debt collector '' has violated my rights

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 2021-07-24 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: GA

Complaint narrative:
I called on on XX/XX/XXXX at XXXX to close my account due to fraudulent activity happening multiple times in a month ( 3 times with 2 new set of cards ), issuing new cards and locking those cards did not help, fraudulent charges will still being made! Anyway, I was told my account had been closed and all fraudulent charges were taken off. I login today XX/XX/XXXX to find they let one of them go through and it now says I owe {$100.00}. ( XXXX fraudulent charge and a XXXX cent minimum interest charge, which should not apply because my balance should be XXXX ) I called right away and got someone who did not speak very good English and she starts reading from a script saying they will send me a new card. I CLOSED MY ACCOUNT. I don't want a new card, I was my balance to reflect XXXX and to be done with the awful awful company! How can charges still go through on a LOCKED cards? I am beyond frustrated, never in my life will I do anything with Barclay. Please fix this and put my account back at XXXX and make sure it is truly closed!

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 2021-07-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: IN

Complaint narrative:
This company AFNI inc. has been harassing me about money they say i owe them. I have never done business with then or the company they represent. I disputed it with all of the credit bureaus. They removed it every time. This company has been sent multiple cease and desist orders via mail, email, and fax. They continue to harass me and provide no proof of anything. They also continue to report to the credit bureaus even though every time its invalid and it gets removed. If it continues i will be taking legal action against this horrid company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
this involves my paypal credit account ; as I was checking my balance statement this morning XX/XX/XXXX, I noticed a finance charge of {$9.00} for XXXX for a cash advance. i had received a cash advance from paypal credit back in XX/XX/XXXX, i believe for either {$600.00} or {$650.00}. When I saw the finance charge this morning i connected with live chat and chatted with XXXX XXXX ; i asked what was the remaining cash advance principal, how longer will i be paying for it, how was the principal reduced when i made payments etc. he checked and found out that the cash advance balance was paid off in XX/XX/XXXX ; but i was being charged a cash advance finance charge for the cash advance still! thru XXXX! he reversed the charges he said ; the reversed finance charges supposedly would show in my balance in 48 hrs., he said ; i hope it's the truth. when i asked how this happened he said there was a glitch! he also said that he escalated the case so this would not continue to happen ; i dont believe him! i lost all trust with paypal credit ; how many other people has paypal charged illegal finance charges? this is terrible!

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 2021-07-24 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:
I have sent multiple dispute letters to the credit bureaus in regards to inaccurate reporting on my credit report. There are inquires reporting that I did not authorize and the credit bureaus have not removed this inaccurate information. There are multiple accounts reporting late and I have never been late on any of my accounts. Incorrect balance reporting. Inconsistency. Due to these inaccurate information, my credit score is impacted in a negative manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24 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: NY

Complaint narrative:
On XX/XX/XXXX my Capital One credit card was charged fraudulently for two transactions, one totally {$7500.00} and the other {$4300.00}.

The charges were made in a region ( XXXX, NY ) about 6 miles from where I live ( XXXX, NY XXXX. At the time of the charges ( XXXX and XXXX ) I was at home with my wife and child. I reported the charges as fraudulent via text at XXXX after receiving an alert to my phone and called Capital One from my home at XXXX to confirm my card had been suspended.

Capital One are reporting that a physical card was used in the store and because I am not certain whether my card was lost or stolen at the time, they are refusing to refund those charges. I did not make those purchases and can verify that I was not in that area at the time those charges were made. This is a clear case of fraud and I would like to bereimbursed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-24 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: The Outsource Group, Inc
State: VA

Complaint narrative:
On XX/XX/2021, Medicredit added a derogatory mark on my credit report per XXXX, Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mine. According to the FCRA, Medicredit has violated my rights as a consumer and I'm requesting legal action to remove the account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Home Point Financial Corporation
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC
State: FL

Complaint narrative:
My complaint is that XXXX XXXX sold my account to Receivables Management Partners Llc when my account did not go into default for failure to pay. I had spoken to multiple representatives at XXXX XXXX because my payment for XX/XX/2021 never went through, even though it did on my bank account and nobody seemed to know where the payment went. They had me forward my request to a supervisor who never got back to me about the matter. Each time I spoke to someone there I asked them to assure me my account wouldnt go into default, which they assured me each time it wouldnt. 

I have attached my receipt for said XXXX payment, the emails I sent regarding the matter to XXXX XXXX which they never responded to, and the letters I received from the debt collection company. 

My complaint is about both XXXX XXXX for selling my account to a debt collector after being told it wouldnt and for also not being advised it would be going into collections. 
My complaint is also for Receivables Management Partners Llc, the debt collection company, for never sending me an itemized bill from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24 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: NC

Complaint narrative:
To whom may concern The problem with transunion still Pre exists they didn't keep it word Closing the account they keep reporting like nothing ever happened. I oso noticed the payment history is wrong from XX/XX/XXXX to XX/XX/XXXX it didn't Go 30/60/90/120

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 2021-07-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ORG GC GP BUYER, LLC
State: MI

Complaint narrative:
I was never sent any communication regarding a debt that I was claimed to have owed. I did not receive any info from this company until my federal taxes were offset. When I was made aware of the situation I contact the XXXX  and was provided this company 's information. I contacted them and verified the debt and that was back in XXXX. I have since been attempting to make a payment arrangements on said debt but it is nearly impossible. They ask for information that I have mailed to them, three times. I had not heard anything back so I called them to see what was going on and was told that I had until XX/XX/26 to provide the information that they already have. The csr 's are of little to no assistance and it truly should not be this complicated to pay a bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I have a collection for a utility that recently was added to my account. I have no idea what this collection is for so I disputed it. The dispute apparently came back as me owing the debt. I tried to call the phone number for the company listed as holding the collection account. The company name is XXXX XXXX. When I called the line it was some new company called XXXX XXXX  XXXX XXXX. They said they are located at XXXX XXXX XXXX XXXX, XXXX XXXX, Utah XXXX. The number I called was XXXX. When someone answered they said the company phone number had been changed and they are a new company offering me a {$100.00} voucher when I provide them some additional information. They said they would not give me the new number to find out about my debt unless I gave them this information. I said I did not want to sign up for anything and only wanted to speak with someone to find out more about my supposed debt. They kept saying the same thing over and over about how I had to give them my info and they would give me the new number after. When I threatened to call the consumer protection bureau she gave me a number and when I called it was a general XXXX info line. This account is being reported on my credit but I dont know what it is and there is no way for me to remedy or clear this from my credit report. It seems unconscionable and probably illegal to refuse to let someone even discuss a bill unless they sign up for more things.

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 2021-07-24 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I have contacted Home Depot Credit services multiple times to correct an error on my credit report. The facts are these : The dispute in question is late payment due on XX/XX/XXXX 0f {$430.00}. FOUR DAYS later, I made a payment on XX/XX/XXXX of {$300.00} and the balance of {$170.00} on XX/XX/XXXX, completing the full payment EIGHT DAYS later on XXXX/XXXX/XXXX. Not more than 30 days when a report to the credit bureau would be in order. Home Depot did not credit my account until XXXX. 
I have provided my bank statement to Home Depot proving the funds have been received by Home Depot on XX/XX/XXXX. Home Depot statements confirm the payment was made on XXXX, but they will

not remove the late payment from the three credit bureaus. It is the only mark against my credit. I have contacted the three credit bureaus on XX/XX/XXXX with a copy to Home Depot to rectify the problem, Yesterday, XX/XX/XXXX I received notice from one of my credit reporting agencies ( not Home Depot ) that Home Depot dropped my credit limit from {$16000.00} to {$5000.00} which negatively my credit score. I closed my account with Home Depot today XX/XX/XXXX. 
The issue with the late payment on the three credit bureaus has not been resolved.

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 2021-07-24 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: Chime Financial Inc
State: PA

Complaint narrative:
On XX/XX/2021 XXXX Limited $ XXXX $ XXXX {$670.00} I filed a Dispute With Chime Banks Dispute Dept. , Was Given A Time Frame Of 90XXXX, that they would have a final decision to refund the said amount listed above, it is now 90 days today they still haven't made a decision, nor have they returned my funds, it's been constant game playing for 90 days, now they are saying that have all night to make a decision because they're open XXXX. I asked for a provisional credit since I've waited for so long, I was told that my particular transaction does not qualify for a provisional credit. Then, when I called them again at XXXX XXXX  on Untitled ticket XXXX XX/XX/2021, now its at the end of their business day ends at XXXX XXXX  on Saturday. At XXXX I Spoke To XXXX manager on duty Chime employee ID XXXX, Who is now saying that My Claim Was Actually Supposed To Have A Decision on XX/XX/2021, instead of XX/XX/2021, she has to now escalate it to the investigations dept. to, make the final decision, and someone will reach out to me within 3 business days After I already waited 90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24 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:
I have a auto loan with capital one that has 10 inaccurate payments. These items are inaccurate because for one, the balances are reporting different across all three credit bureaus and the months they claim i was late are different across all three bureaus. Also according to THE LAW USC 1666 its against the law for creditors to have billing errors on consumer reports. I WAS NEVER LATE ON MY PAYMENTS.

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 2021-07-24 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: FL

Complaint narrative:
I have a auto loan with capital one that has 10 inaccurate payments. These items are inaccurate because for one, the balances are reporting different across all three credit bureaus and the months they claim i was late are different across all three bureaus. Also according to THE LAW USC 1666 its against the law for creditors to have billing errors on consumer reports. I WAS NEVER LATE ON MY PAYMENTS.

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