vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I went into the Credit Union wanting to open a new checking account, until I was told I couldn't due to fraud alert. being placed on my name from Bank Of America from an old account in 2015. I never opened an account. I no longer resided at the address that was on the account. I was tryna get assistance on how to get these accounts removed.

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 2021-01-19 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: TN

Complaint narrative:
I have been fighting with XXXX for almost two years concerning an unauthorized credit account opened in my name. I have filed and sent the company and respective credit bureaus copies of police reports, FTC identity theft affidavits, multiple letters, and proof of my identity. The items were initially removed from my credit report, then XXXX certified to the credit agencies that they are holding me responsible for this debt. Shortly thereafter, it was added back to my reports. I feel as if I am being revictimized by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 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: TN

Complaint narrative:
I have been fighting with XXXX for almost two years concerning an unauthorized credit account opened in my name. I have filed and sent the company and respective credit bureaus copies of police reports, FTC identity theft affidavits, multiple letters, and proof of my identity. The items were initially removed from my credit report, then XXXX certified to the credit agencies that they are holding me responsible for this debt. Shortly thereafter, it was added back to my reports. I feel as if I am being revictimized by this company.

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 2021-01-19 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: NJ

Complaint narrative:
I AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS 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 explanation
Consumer complaint received 2021-01-19 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: NJ

Complaint narrative:
I AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
Date of transaction : XX/XX/20 Amount of transaction : {$620.00} I rented a vehicle from XX/XX/20 until XX/XX/20. The vehicle did not function and/or was unsafe to drive on multiple occasions. The merchant said they would issue credit. The merchant did not issue credit like they said. I initiated a dispute with Capital One. Capital One issued a temporary credit. Capital One then suspended the temporary credit and requested I sign a document in order to continue the dispute. I signed the document to request the dispute be continued. A few days later Capital One sent me a letter saying my dispute was closed because I did not provided all of the information, and " When you give your credit card number to a merchant when securing services or merchandise, you are authorizing a charge by that merchant. We can only request a credit from a merchant if we can document how the merchant violated an operating guideline, rule or regulation. '' I then contacted Capital One through the chat function on their website. I requested an accommodation under the ADA Title III that Capital One provide clarification as to why my dispute was closed. The representative then closed the chat function without responding.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
On XX/XX/2018 my bill for account MERCEDES-BENZ FINANC did not go through when it was on the auto-bill in the bank XXXX XXXX. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
Suntrust now Truist I have requested, several times, to be removed from their Mortgage Covid Relief program. I originally requested to be removed from the program in XXXX. I sent in two written requests in XXXX. 

Suntrust now Trust will not remove me from the program and they continue to send me notices that they are continuing the program for me. I do not want to be on the program.

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 2021-01-20 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
THESE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION 15 USC 1692e. THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS WHICH IS ANOTHER VIOLATION UNDER THE FCRA.

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 2021-01-20 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: EQUIFAX, INC.
State: NV

Complaint narrative:
The Credit Reporting Agencies are reporting an inaccurate bankruptcy on my credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: MO

Complaint narrative:
I have recently Disputed this matter with XXXX, XXXX, and XXXX. Unfortunately They Have failed to reach back by mail with the Burden of Proof within the required 30 days. I have stated to them the information is incorrect on my credit report and is fraud, This falls under The FRCA Requirements, and I have shown a 601 goodwill letter after the first dispute. Please provide Burden of proof by mail that the information is accurate or remove this account due to Fair Privacy Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
on XX/XX/2021 A check from XXXX XXXX was sent to me front and back via email by a professor of my University ( XXXX XXXX University ) I am an XXXX  XXXX who lives in Florida I had completed 2  tasks about data collecting for this professor prior to having any exchange money/cards ( which took 7 hours each ). 
He sent me this check for {$1900.00} to pay me for 4 prepaid Visa cards ( I was asked at separate times to purchase each one ). This check was to reimburse me for 3x {$500.00} cards and a single {$250.00} card. These cards were to be used to buy products in the future that we were collecting information about. The remaining balance was to pay my for me services so far and I was told I would be receiving another reimbursement check days later. 
I received an email after several weeks of communication with this 'professor ' and I was alerted by a cybercrime mass email of traditional scammers happening. I realized I fit the description and found out I was being scammed and the professor was not the professor I thought. 
I was to take pictures of the front and back of each card and email them back. 
I was told to print the {$1900.00} XXXX check out, cut and sign, and mobile deposit. I did as I was told and used this check as a mobile deposit into my Wells Fargo account. 
I deposited this on XX/XX/2021 Saturday. The money was recognized in my account on XX/XX/2021 and I used a portion for the costs on XX/XX/2021. On XX/XX/2021 the check had been returned out of my account and on XX/XX/2021 was deemed fictiosus. 
My account is now over drafted and I can make the XXXX balance because I have no funds to use and I had funds to lose, to begin with. 
I do not agree with being able to access the funds and then have the funds be stripped from my account a whole day later. 
I have filed a police report case number XXXX filed FTC report XXXX Here is my report number to WellsFargo for Online Services via Fraud XXXX Wells Fargo internal services followed up with me today via phone and basically told me I should not have spent the money because it didn't look like a check. AND IT DOES. I have the check if I can send it to you. 
I do not see how this can be in my account and accessible DAYS after I deposited it and still take the money out. 
I am hoping I am reaching every corner I can with this case. 
I am a struggling college XXXX and am emotionally, mentally, and of course, financially devastated by this.

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 2021-01-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Consumer Adjustment Company Incorporated
State: CA

Complaint narrative:
Consumer Adjustment Company has issued collections on both XXXX  and XXXX  credit bureaus for an older debt that was settled by a federal class action lawsuit. 

The original creditor was XXXX and the original collection agency was XXXX XXXX XXXX. Since XXXX XXXX XXXX lost their case in court against XXXX  XXXX  XXXX, they were ordered to remove all negative information as it pertains to XXXX  should the loan be received prior to XX/XX/XXXX. 

Consumer Adjustment Company has opened a collection in XXXX of XXXX for the amount of {$950.00} on my XXXX  and XXXX  reports in another name for XXXX XXXX XXXX who they want to collect on behalf for as the original creditor was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 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: TX

Complaint narrative:
I have been requesting the permissible permission and copy of the credit report for XXXX XXXX XXXX XXXX XXXX # XXXX. The credit Reporting Agencies and XXXX XXXX XXXX XXXX claims it is in the mail after almost 4 years. The loan was fraudulent but XXXX XXXX XXXX XXXX denies. So, to prove their error, I have been requesting the permissible permission used to access my credit report to check me out before any permission, application, and contract. IT DOESNT EXIST AND THEY KNOW IT!. But XXXX XXXX XXXX XXXX labels every request and complaint as duplicate and after almost 4 years, I have yet to receive anything but copy of the auto contract and undated application. XXXX XXXX XXXX XXXX reports to The Credit Reporting Agencies verifying the account as correct and accurate. The XXXX XXXX Agencys role in the dispute process is to review the accuracy and completeness of any disputed item. How can valid when the permissible purpose and application doesnt exist? Both Credit Reporting Agencies and XXXX XXXX XXXX XXXX are masters of smoke and mirrors.

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 2021-01-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Bliksum, LLC
State: CA

Complaint narrative:
Loanme does not provide year end tax documents of interest paid on loan. When contacted they state they don't provide customers with tax documents with the amount of interest paid for year of 2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 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: TX

Complaint narrative:
I SPOKE TO THE COURTS AND THE CLERK VERIFIED THAT DON'T REPORT TO THE CREDIT BUREAUS. I KNOW I HAVE BLOCKED MY REPORT SO I'M CONCERNED WHERE THEY ARE PULLING THIS INFORMATION FROM SAYING IT IS VERIFIED. PLEASE PROVIDE ME THE ACTUAL PETITION WHERE THEY ARE GETTING THIS INFORMATION FROM. 
INACCURATE CITY AND STATE MUST BE LISTED IN THE COURT NAME FOR IT TO BE LISTED ACCURATELY. SHOULDN'T BE NO ABBREVIATIONS, FILE # 'S NOT ACCURATE, FILE DATE .BKPT NOT ACCEPTABLE.SEE ATTACHED THE VIOLATIONS!!!!

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 2021-01-20 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: TX

Complaint narrative:
I SPOKE TO THE COURTS AND THE CLERK VERIFIED THAT DON'T REPORT TO THE CREDIT BUREAUS. I KNOW I HAVE BLOCKED MY REPORT SO I'M CONCERNED WHERE THEY ARE PULLING THIS INFORMATION FROM SAYING IT IS VERIFIED. PLEASE PROVIDE ME THE ACTUAL PETITION WHERE THEY ARE GETTING THIS INFORMATION FROM. 
INACCURATE CITY AND STATE MUST BE LISTED IN THE COURT NAME FOR IT TO BE LISTED ACCURATELY. SHOULDN'T BE NO ABBREVIATIONS, FILE # 'S NOT ACCURATE, FILE DATE .BKPT NOT ACCEPTABLE.SEE ATTACHED THE VIOLATIONS!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LVN FUNDING /RESURGE CAPTAL LP XXXX SENT ME A COLLECTION LETTER AND REPORTING IT TO XXXX XXXX XXXX FOR A DEBT THEY DONT EVEN OWN, BACK IN XXXX THE TRIED TO COLLECT FOR XXXX XXXX XXXX REF # XXXX XXXX XXXX i FOUND OUT ON XX/XX/2020 THAT TRUE ACCORD OWN THE ACCOUNT WHICH I SETTLED IT WITH THE, i DEMAND THAT LVNV/ RESURGENT CAPITAL SERVICES REMOVE THIS FROM MY CREDIT REPORT ASAP,,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
There are 2 accounts with XXXX  XXXX XXXX that can not be found with XXXX  XXXX XXXX but is reporting on my report. I have opened various disputes but the account remains. I do not know what to do. 

One account is closed with a balance of XXXX and XXXX. 

Please help me remove these accounts.

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 2021-01-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Checking my report and I noticed some inquires on my report that Im not aware of. I never called in about anything neither gave someone my consent so as you know anything reporting inaccurate on my report should be removed as the FCRA states ... please take my situation seriously Im trying my best to become better financially I have to take care of my family. 

Inquires : XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/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 2021-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ACE LENDING GROUP, LLC
State: FL

Complaint narrative:
XXXX As a young XXXX female, purchased my first home I felt discriminated against and I believe I was overly scrutinize because I am a minority The level detail and question that I am experiences were beyond the norm. For example without knowing my responsibility or merit question why a company would paid my current salary automatically assume that I was not worthy. I believe if I was white male that wouldnt have been question. Also asking me pacific question about the company owner ship even thought I let them know I am only a employee there. When I suggested them to call company owner they refused to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
THESE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION 15 USC 1692e. THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS WHICH IS ANOTHER VIOLATION UNDER THE FCRA.

Company response to consumer: Closed with explanation