vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION
State: VA

Complaint narrative:
This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

{ account name ; lates } This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

CREDIT ACCEPTANCE CORP XXXX XX/XX/2012

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 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: FL

Complaint narrative:
I recently pull my credit report and noticed a few accounts on there that was open fraudulently. I before reach out to the credit bureaus i took the time to reach out to the company and they could not verify any information. I am a victim of identity theft, i did not consent to, authorize nor benefit from any of the following accounts. Block and delete them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-22 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:
I recently pull my credit report and noticed a few accounts on there that was open fraudulently. I before reach out to the credit bureaus i took the time to reach out to the company and they could not verify any information. I am a victim of identity theft, i did not consent to, authorize nor benefit from any of the following accounts. Block and delete them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX account XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to Privacy 15 U.S.C 1681 SECTION 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 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: EQUIFAX, INC.
State: CA

Complaint narrative:
The Credit companies are not complying with their own policies in a timely manner In accordance with the Fair Credit Reporting act child support Account # XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Best Service Co.,Inc
State: AZ

Complaint narrative:
I had my bank account hacked around the time the XXXX data breach happened my info got out someone got a hold of it and made fraudulent charges to my account which resulted in a negative balance of XXXX this happened in XXXX of 2018 q I called the bank to let them know what happened and they didn't believe me or did they act like they cared they said they would get back to me and they never did and now this company is accessing my credit report and telling my credit report that I owe {$2000.00} and it keeps going up which my credit score went from being XXXX to now XXXX I've done so much stuff to bring my credit score up and I am so upset that this company keeps lying about how much I owe and bringing my score down

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Chime Financial Inc
State: MS

Complaint narrative:
I was sent a Chime debit Visa card that I never applied for. It also is asking me to set up my direct deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX  XXXX # Account XXXX has violated my rights. 

15 U.S.C 1681 Sections 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 A Section 2 ; It also states a consumer reporting agency can not furnish an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: FL

Complaint narrative:
1. Received a letter from XXXX, XXXX stating that I owe a XXXX debt. Letter came on XX/XX/2022. 
2. Called company right away and they said I did owe the debt and they would not explain any of it to me. Also, I asked for proof of the debt and was told that was in the letter ( it is not ). 
3. Told company that I NEVER had a Pay in 4 account EVER. They stated that I was still responsible for the {$620.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Service International Corp
State: IA

Complaint narrative:
CREDIT SERVICE INTL CORP is claiming that I owe {$1300.00} to a company called XXXX XXXX. I have attempted to have the debt verified but have been unable to. I have disputed with credit reporting agencies but this company is claiming the debt is legitimate. I have not purchased anything from XXXX XXXX, never had any sort of credit through them and certainly never agreed to any sort of account, payments or money due as they're claiming.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX # XXXX XXXX  Bankruptcy, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I sent letters to the consumer reporting agencies regarding fraudulent inquiries reporting on my consumer report, and I filled an identity theft report that is attached below, and I also filed a police report with the XXXX Police department, still waiting for that report to become available. The fraudulent unauthorized inquiries are listed in the identity theft report attached below with dates the fraud was committed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ONLY NAME IS XXXX XXXX, ONLY ADDRESS IS XXXX XXXX XXXX XXXX, SOUTH CAROLINA, 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 non-monetary relief
Consumer complaint received 2022-07-22 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America says that they paid my property taxes on XX/XX/XXXX because, they claim, I didn't pay the taxes. In fact, I paid the property taxes on XX/XX/XXXX. I have a bank statement from Bank of America showing that I paid XXXX  XXXX, which is the XXXX XXXX Tax Assessor on XX/XX/XXXX. Bank of America is making a mistake of putting the " Recoverable Corporate Advance '' of {$710000.00} on my account. It is not accurate. Maybe they paid someone else 's property taxes, but, they did not pay mine. This is urgent because Bank of America is selling this loan as of XX/XX/XXXX. This extra money that I do not owe is also erroneously reported on my credit 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 2022-07-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: VIRGINIA HOUSING DEVELOPMENT AUTHORITY
State: VA

Complaint narrative:
I asked for the COVID Forbearance and was denied by my mortgager, the XXXX, I only need enough time to sell. It's an inherited property.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: United Shore Financial Services, LLC
State: TX

Complaint narrative:
I have been calling UWM : Customer Service : XXXX, United Wholesale Mortgage , LLC. 

for more than 6 months, trying to get this money. Many representatives before the last representative were trying to cancel the check, reissue the check but it turned out none of the requests was successful without a valid reason. 

I am requesting this amount of money to be sent to me as soon as possible, in a trackable form, as I can not afford to keep calling their customer support, all the time like this. 

Same goes to that company, as UWM can not keep processing the request to reissue a check, and the request keeps getting denied for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ideal Collection Services, Inc.
State: FL

Complaint narrative:
Everything started in XX/XX/2017, when I got a letter from Ideal Collections Services, who have been avoiding me ever since. I kept requesting a letter despite having documentation proving this debt is not owed. I raised a dispute with the organization before contacting the credit bureaus. which it was still not taken out. When I spoke to the manager, XXXX, she was quite rude to me and I told her that I had spoken to the original owners and that the bill had been paid, but that it had still appeared on my credit report and that of my roommate. Finally, we reached an understanding, and she suggested that I register for " Our Florida. '' a business that pays back rent ( for rent I do not owe ) I consented to this so that I could cross it off my report. I applied, waited more than three months, and was then informed that tenants whose rent is in collections are not reimbursed or credited the debt. I was deceived and told lies. It has been a complete nightmare going through this process. I have a right to accuracy and honesty under the CFPB and FCRA. This procedure was rife with fabrications. Please look into this business because I'm not the only one going through this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX, a fraudster was trying to get my sim swapped in another state with XXXX. As soon as i realized this was happening I contacted Bank of America to take the necessary steps to protect both my checking and savings account. As a protection method I removed my then personal cellphone number so if they needed to authenticate me they had to use other means and a different phone number. I was assured that my account was protected. 

On Friday XX/XX/XXXX of XXXX I was again a victim of sim swap and this time they were successful. Not only they got the XXXX from XXXX but also they went to a Bank of America in XXXX XXXX California in a city that I have never lived in or do any transactions and withdrew XXXX cash form the checking account and XXXX from the savings account ( Bank of America has yet to tell me if this was cash or a check, I have no answer yet ). As the fraud was happening, I called the bank to alert them and they said the account has been secured, but it wasn't. Later that night I found out of the full amount taken. 
On XX/XX/XXXX I headed to my local branch and asked them about the process to get my money back, as expected they told me they had to perform an investigation and that with 7-10 business days they will mail or e-mail me some information about my case and then let me know about the investigation results. That day they refunded XXXX of the checking account and the week after that they gave me back the XXXX taken from my account, but nothing form my savings. 

I have been calling their fraud department, and I receive no answer as to the status of my savings and also they never communicate with me. No letter, no e-mail, no response form their team. At this point I was assured my money was safe in a bank but Bank of America has failed to refund my money or to give me any sense that they are working on the case. I asked them to send me information of the fraudster to submit to my local police so they can continue with the case and I haven't received it yet even though there are cameras and footage on the scene. 

I kept asking as to why did they send the verification text to the old number when I had already requested that number to be removed back in XXXX and no one gives me an answer.

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 2022-07-22 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: GA

Complaint narrative:
I am writing about two accounts that I've been disputing since XX/XX/21 last year. Equifax haven't responded and gave me no information about these accounts. First of all the haven't gave me the full name of this account nor the address and number of who is reporting this account. 

I've also read anon a new law any medical bills that are under {$500.00} will be getting deleted and these accounts are under that amount and still no action has been taking. 

XXXX since the trouble I've been having with Equifax about this account that's not suppose to be on my credit reporting and damaging my report which is financial injury. 

According to 15 USC 1681n ( a ) ( 1 ) any actual ages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} : for the causes of my troubles I want {$1000.00} per violation on these accounts : No Account name- XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I ordered a XXXX XXXX on my wells fargo credit card and I received a tracking # for my order shortly after, after contacting the merchant to cancel the order when I never received my item in a reasonable time frame, I was sent an item [ tee shirt ] in a matter of days with the tracking # that was supposed to be a XXXX, after contacting the merchant I was told by them that my item was sent with the tracking # that was sent to me which is not accurate.I contacted my wells fargo credit card company explaining in detail the events that transpired with pictures of my original order for a XXXX and pictures of the small envelope that a tee shirt was sent to me in. Wells Fargo SEEMED to understand the details of the deception the merchant created in trying to secure payment for a much cheaper inferior item I did not order. I today [ XX/XX/2022 ] received notice my wells fargo credit card company closed my dispute in favor of the merchant because the company provided a tracking #. I never said I never received a delivery with the tracking # provided to me but I did not receive anything remotely close to the item that was ordered by me. I believe wells fargo did not investigate my dispute for the reasons I detailed to them in my original statement and feel they are NOT protecting me as a consumer for fraudulent/ deceitful acts by a corrupt merchant. wells fargo does have relevant pictures and documents of original order and deceptive shipment that was sent to me.

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