vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-15 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:
The account listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : 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 2020-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I tried to open a checkings account and they denied my application referring me to contact 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 2020-12-15 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
In XX/XX/2020, I entered into a payment arrangement with Citi to pay off my Citi XXXX XXXX, XXXX, agreeing to pay {$200.00} the XXXX of every month for 60 months. 

In XXXX and XX/XX/2020, I transitioned to a new financial institution, opening a new checking ( and savings ) account at XXXX XXXX XXXX XXXX XXXX XXXX/acct # XXXX ) after a horrific year with my longtime bank, XXXX  XXXX XXXX XXXX XXXX # XXXX ). As part of this transition, I had to complete financial paperwork, change direct deposits, update automatic payments, contact banks, creditors, companies, etc., as needed, to ensure a smooth transition in regards to all my credit, debit/bills. 

Despite multiple attempts, both online and over the phone, I desperately mailed Citi a certified letter on XX/XX/2020 because I WAS ABSOLUTELY UNABLE TO UPDATE MY PAYMENT INFO IN ORDER TO MAKE MY XX/XX/2020 PAYMENT ON TIME. 

As I feared, Citi attempted to draft the {$200.00} payment as scheduled from the wrong account, which did not have sufficient funds. Thus, the payment was returned, and my XXXX Citi payment remained unpaid, in violation of my payment arrangement. 

Subsequently, I was able to go online to my Citi account and update my bank account info and schedule a payment ( only AFTER violating my aforementioned payment agreement by missing my XX/XX/2020 payment, rather than in ADVANCE as required, despite the fact that I expended a massive amount of effort to make it happen!, to no avail! ). This was done on XX/XX/2020. I assumed the payment was thus taken care of. 

The following, which currently remains unresolved, and remains a total mystery to me, is why I was charged numerous overdraft/NSF/returned items fees from BOTH XXXX  XXXX XXXX and XXXX XXXX XXXX, BOTH before and after my payment of XX/XX/2020 ( which would not have been late or returned but for the literal impossibility to receive help from Citi on updating my banking info on a closed account in a payment plan ) and why/how/what/when was actually transacted between Citi and XXXX and Citi and XXXX, because my Citi account only reflects, seemingly, two transactions in attempt to draft payment, while I was charged four fees over a more than two-week period.

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 2020-12-15 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: OH

Complaint narrative:
The accounts listed below are reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : 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 2020-12-15 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: OH

Complaint narrative:
The accounts listed below are reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 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:
The accounts listed below are reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : 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 2020-12-15 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I tried applying for a loan didnt know it was s scam until the bank contacted me. Their was a lock pit on my account for suspicion activity..my online banking info was breached so all my info was changed ..I was advised to submit a complaint by my bank ...

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 2020-12-15 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:
The accounts listed below are reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : 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 2020-12-15 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: OH

Complaint narrative:
The accounts listed below are reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : 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 2020-12-15 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
ON XX/XX/2020 I attempted to obtain a VA home loan. When I checked XXXX, it showed that I had XXXX XXXX XXXX accounts with USAA. I was denied the loan. I contacted XXXX and they verified the reported information of the same date. I contacted USAA. This false reporting is violation of 807. False or misleading representations. USAA may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.

( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt ; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.

The attached XXXX report confirms that USAA currently is incorrectly reporting that I have XXXX XXXX XXXX accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Company keeps playing games they sent me an email about a letter and statement about XXXX in the XXXX asking me to login and read it, guess what my account still locked

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 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: NJ

Complaint narrative:
From What I Looked Up On The Internet, A " Hard Inquiry '' Stays On A Persons ' Credit Report, For 24 Month 's. Transunion Will Not Remove A " Hard Inquiry '', From My Credit Report. The " Hard Inquiry, is : XXXX XXXX, From XX/XX/2018. XXXX Removed It. Transunion, Seems To Have a Problem, Keeping My Credit Report, Accurate.

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 2020-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia
State: NC

Complaint narrative:
Debt collector calls Credit control XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Keeps harassing me Credit Control Called my XXXX XXXX XXXX that I purchased XXXX XXXX on XX/XX/2020my XXXX prepaid phone number issued to me as XXXX. 
The debt collector calls are stating a debt thru Credit control I DO NOT HAVE ANY DEBTS but I do continue to have identity theft issues unfortunately Credit control attempts at collecting debts monies from me for others debts. STOP credit control it is illegal .. 
XXXX auto insurance And unknown For the names of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone caller ids XXXX XXXX XX/XX/2020 XXXX XXXX XXXX on OXX/XX/2020 caller name XXXX phone XXXX Persons by the name of XXXX and XXXX XXXX XXXX @ @ @ @ @ @ @ @ Credit control XXXX XXXX XXXX XXXX @ @ @ @ @ @ @ @ @ @ @ @ @ @ XXXX XXXX XXXX My identity theft is registered with the FTC My US name is XXXX XXXX XXXX XXXX XXXX I have told these companies they are calling me and NOT XXXX not those names I have stated that phone number is XXXX I pay XXXX {$65.00} per month I have notified these companies to STOP harassing me and stop calling me about a debt I do not owe. They continue to call me

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Please see prior Consumer Financial Protection Bureau ( CFPB ) complaint number XXXX filed XX/XX/2020 against TransUnion for inaccurate credit reporting of XXXX ( XXXX ) federal student loans currently serviced by Department of Education-XXXX XXXX. TransUnion 's response to CFPB complaint XXXX filed XX/XX/2020 merely referred said complaint to XXXX XXXX with no action or investigation by TransUnion whatsoever. Wherefore, thereafter XX/XX/2020, I requested a copy of my TransUnion credit report to ascartain if any corrections had been made by TransUnion. See EXHIBIT 1. TransUnion denies free copy of credit report in direct violation of Federal Trade Commission ( FTC, see EXHIBIT 2. website copy ) website information that " weekly credit reports are free. '' I want TransUnion to provide me a free copy of my current credit report as required by federal law and policy.

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 2020-12-15 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: NJ

Complaint narrative:
From What I Looked Up On The Internet, A " Hard Inquiry '' Stays On A Persons ' Credit Report, For 24 Month 's. Transunion Will Not Remove A " Hard Inquiry '', From My Credit Report. The " XXXX XXXX, is : XXXX XXXX, From XX/XX/2018. XXXX  Removed It. Transunion, Seems To Have a Problem, Keeping My Credit Report, Accurate.

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 2020-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BBVA FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX I purchased an item from XXXX in the amount of XXXX including expedited shipping. The purchase never arrived. I emailed company on XX/XX/XXXX and XX/XX/XXXX with no response. I then attempted to dispute the charge with Simple XXXX on XX/XX/XXXX. I have done everything humanly possible to get a credit from Simple ; emailed them multiple times with supporting documents, used XXXX and XXXX, and multiple calls have been a wait time of over two hours. According to their timeline, they have still not begun the investigation process despite their claims of good faith temporary credit. My problem is with this bank as I have had multiple problems including a 5 business day hold on the federal stimulus check amongst others. I have been attempting to get in touch with them in one way or another and they have not been to look at the problem despite their saying they contact you after they receive the dispute. Its been two weeks since I filled this dispute and a month of being without my money or item.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hi so on XX/XX/XXXX I submitted a dispute witht he three credit bureaus XXXX  and XXXX  with a problem report on a missing payment from one of my auto car account and everything was taken care off by XX/XX/XXXX and this two credit bureaus were able to get me back my loss points after the dispute was done and erase the missing payment from my credit. But through experian the dispute was also completed by XX/XX/XXXX but they havent update al my points that I loss like in the others two bureaus. Is there anything that can be done so i can get my credit point back from experian!? I really need it because will be using my credit for a first time home buyer in a few months and really need those points back! 
Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 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: HW Holding, Inc
State: NC

Complaint narrative:
XX/XX/2020 Hunter Warfield, INC added a derogatory mark on my credit report per XXXX XXXX. I have had many unsuccessful disputes with the Credit Bureaus in reference to the Hunter Warfield Account. The account was settled for a pay for deletion but reflects as charged off and still accumulating interest for the past few years. No written form of communication or verified debt was ever sent to me. According to the FCRA, Hunter Warfield INC, has violated my rights as a consumer and Im requesting legal action to remove this account immediately.

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