vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-17 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: OH

Complaint narrative:
All three credit reporting agencies has stated that they have investigated these personal informations and reported accounts listed below : Incorrect name reporting : XXXX XXXX XXXX Incorrect address reporting : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX Incorrect payment status/history : 1 ) XXXX XXXX 2 ) XXXX XXXX 2 ) XXXX 4 ) XXXX 5 ) XXXXT I am 100 % sure that XXXX, XXXX, and Experian has failed to investigate my personal information and these account accuracies especially XXXX  that is no longer in business and there is no way to verify the validity of this account. XXXX XXXX, XXXX  card, XXXX, and XXXX accounts are reporting collection/charge-offs. However, none of these accounts were in collections or ever charged-off. These accounts were paid in full with no late payments. These accounts statuses needs to be updated reflecting that they were indeed closed by the customer, never late and paid as agreed. Again, XXXX, Experian, and XXXX has consistently reported each month incorrect information even after I challenged the validity and provided proof of identity.

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 2021-04-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
DEBT REC SOL is claiming that I owe them {$80.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SS XXXX DOB XXXX I was looking over my file and I found that I had a few errors and addresses that I never lived at. I had some issues with someone using my information while I was living out of town. I never lived at the following adresses XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX CT XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX please have them deleted because they may have been used to comprise my name and information. 
There are account that I do not recognize showing on my credit report XXXX XXXX XXXX {$1000.00}, XXXX XXXX XXXX, XXXX XXXX XXXX. After careful review of my credit report, I notice that I owe an outstanding balance. I would like to let the credit bureus and collectors know that I am disputing these accounts. Under the FDCPA, and FCRA, I can request verification from third-party collection agencies. As you know, not complying with FDCPA will put your company in a bad position with the FTC. Under the FDCPA Section 807,811 ( a ) ( 2 ), 1692 e ( 3 ), and 1692 e ( 10 ) ; and the Ohio Law 1319.12 ORC Taking Assignment of Debt, you failed to submit the proper documentations to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SS XXXX DOB XXXX I was looking over my file and I found that I had a few errors and addresses that I never lived at. I had some issues with someone using my information while I was living out of town. I never lived at the following adresses XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX CT XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX please have them deleted because they may have been used to comprise my name and information. 
There are account that I do not recognize showing on my credit report XXXX XXXX XXXX {$1000.00}, XXXX XXXX XXXX, XXXX XXXX XXXX After careful review of my credit report, I notice that I owe an outstanding balance. I would like to let the credit bureus and collectors know that I am disputing these accounts. Under the FDCPA, and FCRA, I can request verification from third-party collection agencies. As you know, not complying with FDCPA will put your company in a bad position with the FTC. Under the FDCPA Section 807,811 ( a ) ( 2 ), 1692 e ( 3 ), and 1692 e ( 10 ) ; and the Ohio Law 1319.12 ORC Taking Assignment of Debt, you failed to submit the proper documentations to validate the debt.

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 2021-04-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC

Complaint narrative:
On XX/XX/2021, I made a deposit of XXXX AUD to Gemini Trust company. Due to Geminis wire processing restriction, the funds were held as the sender 's name was my bank 's name instead of my name. 

After communication with Gemini Trust company, they promised to initiate the funds returning transfer on XX/XX/2021. However, on XX/XX/2021, I received a reply email from Gemini Trust Company saying they are still working to investigate this issue. 

The funds returning process should be very straightforward since they already got all my details. For some reason, the funds have been held by Gemini Trust Company for nearly TWO MONTHS.

I hope Gemini Trust Company are holding these funds without any self-beneficial purposes as I wish they can grow like other company in the same industry.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 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: AZ

Complaint narrative:
I spoke with XXXX at Transunion on XX/XX/XXXX about a unauthorizes account that appears on my credit report, I request the following to be delete and removed off my Transunion credit report : " XXXX XXXX XXXX " account # XXXX open on XX/XX/XXXX in the amount off {$390.00}. I did not authorize any of ths account. I am requesting that the above unauthorized account be removed immediately from my Transunion credit report due to my identity been stolen.

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 2021-04-17 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: Choice Recovery, Inc.
State: OH

Complaint narrative:
Reviewed my credit report and a medical account was added I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to CHOICE RECOVERY INC # XXXX to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than toCHOICE RECOVERY INC # XXXX is to only be revealed with the patient 's authorization, therefore my request is two-fold and as follows, Validation of Debt, and HIPPAauthorization

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Atlanticus Services Corporation
State: TN

Complaint narrative:
Originally, I set this account up in XXXX, and automatic payments were coming out until XX/XX/XXXX, when they stopped. They were sending bills to another home that I have and should have been sending them to XXXX XXXX XXXX, the home that I had the security system from XXXX set up in and the address that bill belongs to. I received late notifications to my home in XXXX, TN, and was unaware that this account had gone delinquent. When I called on Thursday, XX/XX/XXXX, to express that I was agitated and demanded that they reopen my closed account, return my late fees and update all three of my credit reports to reflect current and never late. I received an email today, XXXX, that returned {$78.00} to me in late fees, though I believe that I am owed more than that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 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: Key 2 Recovery, Inc.
State: IN

Complaint narrative:
Previously I filed COMPLAINT ID XXXX in XX/XX/2021. The company responded that after contacting their client, the closed the account in their office. I have tried to get XXXX to remove this collection item from my credit report since it is not owed to their office but they refuse. I disputed with the cresit Bureaus and XXXX still has this listed as an active collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 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: AZ

Complaint narrative:
I spoke with XXXX at Experian on XX/XX/XXXX about a unauthorizes account that appears on my credit report, I request the following to be delete and removed off my Experian credit report : " XXXX XXXX XXXX " account # XXXX open on XX/XX/XXXX in the amount off {$390.00}. I did not authorize any of ths account. I am requesting that the above unauthorized account be removed immediately from my XXXX  credit report due to my identity been stolen.

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 2021-04-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK
State: NY

Complaint narrative:
I lost my job due to covid ans this bank didnt even let me know or offer me assurance which caused my account to fall behind and be delinquent now I called customer service they refuse to assist me they blocked my online access they wont even mail me statements they stopped sending me so how was I supposed to make a payment without a bill I asked they refused to send me a paper statement by mail to see my balance and offer hardship Assistnaxe I was a loyal customer until this happened to me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I have two store credit cards offered by comenity bank. My accounts have always been in good standing and I had both cards longer than 1 year. After the shelter in place order went into place in XXXX of XXXX, I was forced to close my small business in XXXX XXXX. I lived off of my savings for 3 months and continued to pay my bills until that income ran out. At that point, I called all credit cards and asked for options. Most of my cards negotiated and my accounts remained current. When I called to negotiate the terms for my XXXX/Wayfair  cards, representatives would not reduce late fees. The balance for not paying for a few months on both cards was too much for me to pay. I had to prioritize what little money I had in order to continue to live. A few months later, I applied for unemployment XXXX XX/XX/XXXX ). I then called to negotiate terms for both cards once again, but the representatives said they could not remove late fees resulting in minimum payments I still could not afford on my EDD fixed income ( XXXX XXXX XXXX. Now both card balances have DOUBLED and the minimum/past due balance is more than I receive in unemployment in a month. Not to mention both cards are being reported as charge offs. My credit score has dropped over XXXX points and continues to go down. I have been harassed by phone regarding these cards and honestly can not believe the predatory practices which began during the pandemic. Not only was my business forced to close, I couldn't pay for my bills, I lost my apartment, and now my credit score is ruined. I was forced to stay home because of a XXXX. Banks who most likely received some sort of bailout funding because of financial hardships have no right continuing to add interest and late fees when a person is struggling. ESPECIALLY, if the accountholder was always in good standing when there was no pandemic/shelter in place order.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
Experian is reporting a debt that dont belong to me. XXXX XXXX XXXX XXXX XXXX {$620.00}.

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 2021-04-17 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo completely stole thousands of money from me. 

My ex-boyfriend took credit card advances out, transferred them to my checking account, and Wells Fago STILL thinks it's my fault even though I never authorized these actions. 

In addition, they continue to pile on late fees even as the fraud investigation was going on XXXX mind you, this happened XXXX, and it is not XXXX .... 

They missed about five claims that were filed. They never gave me any updates despite me reaching out via the app or a phone call almost EVERY day. 

No one knew what was going on ( I guess they do not take notes XXXX, so I had to repeat myself a million times. We all know WF is famous for stealing money, and it looks like they struck again. 

Paperwork attached.

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 2021-04-17 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: OH

Complaint narrative:
Reviewed my credit report and seen there were accounts that does not belong to me. This is an act of fraud and the accounts on my report need to be deleted/ removed immediately. This is a notice of dispute pursuant to the fair credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Accounts listed below : - THE XXXXXXXX XXXX  # XXXX - XXXX XXXX XXXX # XXXX - XXXX 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 2021-04-17 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: OH

Complaint narrative:
Reviewed my credit report and seen there were accounts that does not belong to me. This is an act of fraud and the accounts on my report need to be deleted/ removed immediately. This is a notice of dispute pursuant to the fair credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Accounts listed below : - THE XXXXXXXX XXXX  # XXXX - XXXX  XXXX XXXX # XXXX - XXXX 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 2021-04-17 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: OH

Complaint narrative:
Reviewed my credit report and seen there were accounts that does not belong to me. This is an act of fraud and the accounts on my report need to be deleted/ removed immediately. This is a notice of dispute pursuant to the fair credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Accounts listed below : - THE XXXX XXXX # XXXX - XXXX  XXXX XXXX # XXXX - XXXX XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I requested from Greenlight a card which is supposed to help children learn how to manage their own money by providing them with their own debit card. 

The marketing site said the fee applied to premium services like a customized photograph, which we didnt need. 

We did need to link to a bank account to find the account. 

However, I was charged multiple times a fee for {$4.00}, including after I requested a cancellation ( and I ate the initially but unexpected {$4.00} and notched it up to possible user error. ) I have subsequently requested a full refund of all fees, but have yet to hear back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: TN

Complaint narrative:
My XXXX XXXX bankruptcy order dismissing the case was filed by the bankruptcy judge XX/XX/XXXX. On XX/XX/XXXX it was approved that the chapter XXXX case be statistically closed. I filed Chapter XXXX bankruptcy on XX/XX/XXXX and it was discharged on XX/XX/XXXX. I was approved for an auto loan in XX/XX/XXXX by a dealership lender & I traded-in and bought another vehicle in XXXX XXXX & financed this auto loan with my personal XXXX XXXX XXXX  In XXXX XXXX, I was denied for a credit card by my credit union for an active chapter XXXX bankruptcy even though they pulled credit 2 months earlier & no saw no active bankruptcy. They said they were using a new credit reporting company and they needed proof of it being discharged. The same day I emailed copies of the judge 's orders and was approved right after. This was a first this had been brought up and assumed they had just made a mistake, so I didn't think much about it until now. XX/XX/XXXX I applied for a store credit card and received an email the next day notifying me that I was denied for active XXXX Now, I have to physically mail a dispute letter, my proof, and then wait weeks for this to " hopefully '' get corrected. What shocks me even more is that I currently already have two other open credit accounts with this same bank and my pervious XXXX XXXX loan. I pulled all three credit reports and I seen it was reported to one credit reporting agency as " Filed '' and immediately filed a dispute with that credit agency. Within my report it states they receive their bankruptcy information from a furnisher, LexisNexis. I have called the bankruptcy automated info line and confirmed it states both cases are dismissed/discharged. How after 4 years since a dismissal can this all the sudden be reported as active on my credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: D. SCOTT CARRUTHERS
State: CA

Complaint narrative:
I have been contacted on numerous occasions by an alleged debt collector from phone number XXXX XXXX XXXX XXXX. They claim that I owe a debt on an old loan to which I have no knowledge. I have asked them on numerous occasions to verify the debt, and was told by the individual on the phone that he was not required to do that. On another occasion, I received a call stating that a process server was waiting for me at the last last known address they allegedly had on file. They stated that a lawsuit had been filed against me, and that they wanted me to meet them at this address so they can serve me copies of the legal pleadings. I have conducted a search on the XXXX XXXX XXXX XXXX website, and did not find any case filed against me. I am constantly being harassed and threatened on a daily basis by this company, and they have also somehow gathered contact information of my family and friends. They have called them, and during the discussion, they asked my friends and family to have me contact them about a debt, in direct violation of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc.

Complaint narrative:
I tried to withdraw XXXX euros from binance to a XXXX XXXX XXXX XXXX  a month ago, but the bank rejected the transfer. I was hoping to see XXXX in my wallet but I havent received yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Performance Management, LLC
State: IA

Complaint narrative:
XXXX agree to remove the collections due to a mistake on their behalf. I had spoken with the corporate office as well and he agree with me as well and sent me a email stating it would be remove. Another collections company has it and refused to remove 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