vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-03 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: GA

Complaint narrative:
XXXX IS REPORTING INCORRECT INFORMATION ON MY ACCOUNT WITH XXXX PERSONAL INFO IS INCORRECT, SHOWS SOMEONE ELSE SSN NUMBER AND ADDRESSES DO NOT BELONG TO ME. UNDER PUBLIC RECORDS SHOWING BANKRUPTCY THAT DOESNT BELONG TO ME, UNDER COLLECTIONS THERE ARE 3 ACCOUNTS THAT DOESNT BELONG TO ME, UNDER HARD INQUIRIES THERE ARE 22 INQUIRIES DOESNT BELONG TO ME, UNDER OPEN ACCOUNTS THERE ARE 3 OPEN ACCTS AND 4 CLOSED ACCTS NOT MINE AND UNDER OTHER ACCOUNTS 1 ACCOUNT DONT BELONG TO ME. ENTIRE DOESNT BELONG TO ME. I CALLED XXXX AND SENT PROOF OF DOCUMENTS SHOW PRINT OUT OF MY ENTIRE XXXX CREDIT REPORT, SSN CARD AND ID CARD. CALLED 5 TIMES TO GET THIS RESOLVED, WAS TOLD IT WILL BE ESCALATED TO ANOTHER DEPT AND STILL NOTHING TO THIS DAY AND ITS STILL SAME ON MY ACCOUNT NO CHANGES. XXXX SAID THEY WOULD DELETE INFO IF I SENT MY DOCUMENTS IN VIA FAX AND STILL NOTHING. HERE ARE MY DATES- CHECKED MY REPORT XX/XX/XXXX MY INFO WAS NORMAL PULLED REPORT NEW REPORT/NEW UPDATE HIT ON XX/XX/XXXX SOMEONE INFO WAS REPORTING ON XX/XX/XXXX CALLED XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX FAXED DOCUMENTS XX/XX/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 2021-11-03 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: CO

Complaint narrative:
On XX/XX/2021 I sent a letter disputing the validity of the bankruptcy they are reporting on my credit report. They responded with a letter stating that they " verified '' this item thru USBK Court of Colorado. I contacted the US Bankruptcy Court of Colorado directly to dispute the item in question and they replied in writing that they do not report or send information to any websites, internet search or credit reporting agencies. I then went back to Transunion and showed them the letter from the US Bankruptcy Court of Colorado and still no verification. The letter stated that they do not report or work with any credit bureau to verify this item then it needs to be deleted according to the FCRA. They have once again refused to delete this item which is preventing me from the access to purchase a home and causing me hundreds more in interest every year. I have tried to provide everything possible to Transunion to resolve this issue I also sent proof that this was deleted from my XXXX XXXX report as well due to being unable to verify as well. I have still gotten no where but the same result and information no proof. On XX/XX/2021 I received a letter from Transunion stating that they reinvestigated and account is verified as accurate. Again they have not provided me any proof of where they are verifying this information from once again. They again have provided the same response after my initial complaint. This item needs to be deleted from my credit report if it can not be verified within 30 Days.

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 2021-11-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Bank of America talked me into getting an interest free card and balance transfer my other bank of America card.They never closed the old card. I had a propane delivery and didn't know they used the closed card. I had about 5 late fees in a row. They never called me and my credit score was over 800. I took a big hit before I realized what was happening.

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 2021-11-03 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: World Acceptance Corporation
State: GA

Complaint narrative:
World finance co of XXXX ga various of location .start with XXXX XXXX XXXX XXXX ga, XXXX hope this is the right address and company .that a be with cfpb the company is lending out my money with out my say so. XXXX XXXX and XXXX XXXX and XXXX XXXX, XXXX XXXX XXXX XXXX not has power of attorney over me no more .the company is mine out of the trust contract now. I am ask and give y'all a notice. That. I am the employer tax payer now .and all record and bank account be turn over too me. I have pin codes .no tax return can be filed .it will be fraud and jail ..so let get this did with out going threw all of that thanks. Get the company agent too research the tittle on the company .and this is a headquarters address on file sense XXXX .check the tittle of this address sense XXXX. A IRS tittle exam and tittle exam. This is a business estate. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, is deceased .sense XXXX .I am name as beneficiary too all his businesses. XXXX XXXX XXXX is fail too comply with the contract .abuse and abandoned the instructions of this contract. It why I am file the complaint. This a owner or world finance .I am owner .of this said business.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 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: M&T BANK CORPORATION
State: CA

Complaint narrative:
I received correspondence from M & T Bank dated XX/XX/2021. In the letter, it mentions needing additional information in order to thoroughly research your credit bureau reporting dispute. 

I asked for documentary evidence for the M & T Bank account reporting on my consumer reports because there is a billing error. 

There appears to be a billing error on my consumer credit reports from M & T Bank. As such, I am requesting documentary evidence pursuant to 15 U.S. Code 44. 

Documentary evidence includes all documents, papers, correspondence, books of account, financial and corporate records. 

Books of account - Any journal, ledger, and supporting vouchers included in a system of accounts. 

Financial records are documents that provide evidence of or summarize business transactions. A well-organized set of financial records is an essential part of an accounting department. At the most detailed level, financial records can include invoices and receipts. At a more aggregated level, financial records include subsidiary ledgers, the general ledger, and the trial balance. At the most aggregated level, they include the income statement, balance sheet, and statement of cash flows. 

Generally accepted accounting principles ( GAAP ) refer to a common set of accounting principles, standards, and procedures issued by the Financial Accounting Standards Board ( FASB ). Public companies in the U.S. must follow GAAP when their accountants compile their financial statements.

Since M & T Bank is publicly traded, its financial statements must adhere to rules established by the U.S. Securities and Exchange Commission ( SEC ). The SEC requires that publicly traded companies in the U.S. regularly file GAAP-compliant financial statements in order to remain publicly listed on the stock exchanges.

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 2021-11-03 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: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Hello, I see I was penalized with 2 late payments at the beginning of this year. Unfortunately, I was going through financial hardship dealing with Covid-19. During XX/XX/2021 and XX/XX/2021. As you can see, I have perfect credit payment history beyond those 2 months.

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 2021-11-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
The consumer reporting agency, XXXX, has furnished my consumer report without my authorization. And gained monetary benefit by selling my information to another consumer reporting Agency. This happened on XXXX XXXX. I attempted to contact experian multiple times concerning the issue and they keep telling me I have to take it up with Bank Of America. Even though I never gave XXXX  Permission to furnish my report. I called Bank of America, and told them the same thing, I never gave you written consent to furnish my report. This same process has occurred with XXXX XXXX, on XXXX XXXX. Ive contacted both parties and still no resolution to this matter. XXXX keeps telling me I have to contact the other party for them to delete it. And Bank of America & XXXX XXXX tell me the same about XXXX. It seems like they dont want to own up to violating my consumer right to privacy.

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 2021-11-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I always pay the full balance on my credit card every month. However I didnt receive my XX/XX/2021 statement, which caused me to miss a payment. On the XXXX statement, I realized that I missed my last payment. I was also charged a {$25.00} late fee and {$16.00} interest charges. I called Capital One. They forgave my late payment and agreed to waive the {$25.00} late fee. I was also told it was OK to make a payment {$25.00} less than the full amount due, because the {$25.00} charge would be reversed anyway. So I made a payment {$25.00} less than the full amount. That actually incurred another {$2.00} finance charges in my XXXX statement! 

I called Capital One again on XX/XX/211. They reversed the {$2.00} but didnt reverse the {$16.00}. 

Their practice was misleading and deceptive. I trusted them to do the right thing for me. I didnt look at my statement closely enough to understand what I was paying. I paid them something that I should not paid. Now they refuse to refund it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-03 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: CA

Complaint narrative:
I received correspondence from XXXX XXXX XXXX XXXX  dated XX/XX/2021. In the letter, it mentions needing additional information in order to thoroughly research your credit bureau reporting dispute. 

I asked for documentary evidence for the XXXX XXXX XXXX XXXX  account reporting on my consumer reports because there is a billing error. 

There appears to be a billing error on my consumer credit reports from XXXX XXXX XXXX XXXX. As such, I am requesting documentary evidence pursuant to 15 U.S. Code 44. 

Documentary evidence includes all documents, papers, correspondence, books of account, financial and corporate records. 

Books of account - Any journal, ledger, and supporting vouchers included in a system of accounts. 

Financial records are documents that provide evidence of or summarize business transactions. A well-organized set of financial records is an essential part of an accounting department. At the most detailed level, financial records can include invoices and receipts. At a more aggregated level, financial records include subsidiary ledgers, the general ledger, and the trial balance. At the most aggregated level, they include the income statement, balance sheet, and statement of cash flows. 

Generally accepted accounting principles ( GAAP ) refer to a common set of accounting principles, standards, and procedures issued by the Financial Accounting Standards Board ( FASB ). Public companies in the U.S. must follow GAAP when their accountants compile their financial statements. 

Since XXXX XXXX XXXX XXXX is publicly traded, its financial statements must adhere to rules established by the U.S. Securities and Exchange Commission ( SEC ). The SEC requires that publicly traded companies in the U.S. regularly file GAAP-compliant financial statements in order to remain publicly listed on the stock exchanges.

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 2021-11-03 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: CA

Complaint narrative:
I received correspondence from XXXX XXXX XXXX XXXX  dated XX/XX/2021. In the letter, it mentions needing additional information in order to thoroughly research your credit bureau reporting dispute. 

I asked for documentary evidence for the XXXX XXXX XXXX XXXX account reporting on my consumer reports because there is a billing error. 

There appears to be a billing error on my consumer credit reports from XXXX XXXX XXXX XXXX. As such, I am requesting documentary evidence pursuant to 15 U.S. Code 44. 

Documentary evidence includes all documents, papers, correspondence, books of account, financial and corporate records. 

Books of account - Any journal, ledger, and supporting vouchers included in a system of accounts. 

Financial records are documents that provide evidence of or summarize business transactions. A well-organized set of financial records is an essential part of an accounting department. At the most detailed level, financial records can include invoices and receipts. At a more aggregated level, financial records include subsidiary ledgers, the general ledger, and the trial balance. At the most aggregated level, they include the income statement, balance sheet, and statement of cash flows. 

Generally accepted accounting principles ( GAAP ) refer to a common set of accounting principles, standards, and procedures issued by the Financial Accounting Standards Board ( FASB ). Public companies in the U.S. must follow GAAP when their accountants compile their financial statements. 

Since XXXX XXXX XXXX XXXX is publicly traded, its financial statements must adhere to rules established by the U.S. Securities and Exchange Commission ( SEC ). The SEC requires that publicly traded companies in the U.S. regularly file GAAP-compliant financial statements in order to remain publicly listed on the stock exchanges.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have had the XXXX XXXX XXXX since XX/XX/XXXX and have always paid on time. 

I am XXXX XXXX XXXX and have gone over my limit and they will not increase or process payments quickly. I have called every day this week several times to no avail and I have now cancelled this. I even went and made a XXXX savings and checking account because I would have access to XXXX $ credit, that is not true now because Im over my limit. 

XXXX XXXX XXXX  says its an unlimited card but it is not, and requires you do submit taxes and forms and then the system crashes. 

But the worst one of all is Wells Fargo. They mark you down for fraud, and the fraud department doesnt work on weekends and when they are open during working hours, the lines are busy. I am going to file a formal lawsuit because I was involved in a car crash from the stress and lack of sleep caused by these banks. FDIC should be open 24/7.

Also, hotels can not charge an incidental extra charge. It needs to all be included in the price. How a room goes from {$500.00} to {$850.00} is beyond me. And how my XXXX XXXX room doubled in price at check out is ludicrous.

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 2021-11-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
My mother passed away, and I have taken over her mortgage payments. 
Since XX/XX/2019, I have assumed the debt owed on our family home. 
I have sent the mortgage company official documents proving I am the executor of the estate from my lawyer. 
I have also provided them with an updated 911 address, since the address they have on file is no longer valid after the re-zoning. 
They have not offered any assistance on refinancing in my name. 
Only stating that I am listed on the account, but this is unofficial/not valid for refinancing. 
They have not updated the 911 address, despite documentation from our XXXXocal county office. 
I would like to refinance the mortgage with another lender, but this company has made this extremely difficult!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 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: CA

Complaint narrative:
I received correspondence from XXXX XXXX XXXX XXXX  dated XX/XX/2021. In the letter, it mentions needing additional information in order to thoroughly research your credit bureau reporting dispute. 

I asked for documentary evidence for the XXXX XXXX XXXX XXXX  account reporting on my consumer reports because there is a billing error. 

There appears to be a billing error on my consumer credit reports from XXXX XXXX XXXX XXXX. As such, I am requesting documentary evidence pursuant to 15 U.S. Code 44.

Documentary evidence includes all documents, papers, correspondence, books of account, financial and corporate records.

Books of account - Any journal, ledger, and supporting vouchers included in a system of accounts.

Financial records are documents that provide evidence of or summarize business transactions. A well-organized set of financial records is an essential part of an accounting department. At the most detailed level, financial records can include invoices and receipts. At a more aggregated level, financial records include subsidiary ledgers, the general ledger, and the trial balance. At the most aggregated level, they include the income statement, balance sheet, and statement of cash flows. 

Generally accepted accounting principles ( GAAP ) refer to a common set of accounting principles, standards, and procedures issued by the Financial Accounting Standards Board ( FASB ). Public companies in the U.S. must follow GAAP when their accountants compile their financial statements. 

Since XXXX XXXX XXXX XXXX  is publicly traded, its financial statements must adhere to rules established by the U.S. Securities and Exchange Commission ( SEC ). The SEC requires that publicly traded companies in the U.S. regularly file GAAP-compliant financial statements in order to remain publicly listed on the stock exchanges.

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 2021-11-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MA

Complaint narrative:
Cash App My Debit Card from XXXX XXXX XXXX was stolen. The their used the card to make numerous unauthorized purchases within hours None of the retailers checked for ID allowing the thief to use over {$1200.00} with a POS attended checkout. 
The stolen debit card was linked to my CashApp account. On XX/XX/2021 I received my first online paymrent. Within minutes my passcode was changed and a payment was completed by me for {$200.00}. I did not initiate the change or payment yet with overwhelming evidence, Cash App refused to reverse the payment. There is now way to contact them directly. Each time I tried to address the issue, I had to review the entire situation with a totally different and uninformed agent who had no idea what I was referring to or even my documented account info. CashApp still decided that I had no evidence and initiated the payment. They will not even consider reviewing the case again after the thief contacted me and had details no person should have had, gave me contact Information - still no budging and no assistance. I also have several witnesses Cash App has allowed themselves protection and not provided any for me They refuse to actually research and attempt to reimburse victims of the customer they promise. 
Attached receipts, logs and journal screen hots

Company response to consumer: Closed with explanation