vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-23 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: FL

Complaint narrative:
TIME LINE : XX/XX/XXXX I wrote to the credit bureau after the company that I was trying to secure a home loan with notified me that it couldn't be approved. There was no reason for this. Well, I suggested that he send me a copy of the credit report immediately.

XX/XX/XXXX : I received a copy of my credit report and public record search from their company. This is when I saw all the inaccurate information specifically the ( bankruptcy even though the judge dismissed the bankruptcy because of the fraudulent accounts included ) Those accounts are : -XXXX  XXXX XXXX ( note I was involved in the Equifax and XXXX XXXX data breach which exposed my information to criminals ) -XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX -XXXX  XXXX XXXX -XXXX XXXX XXXX XXXX -XXXX XXXX XXXX- XXXX -XXXX XXXX XXXX- XXXX -XXXX  XXXX XXXX XXXX I FILLED A CLAIM WITH THE FEDERAL TRADE COMISSION AND LOCAL POLICE ABOUT THE THEFT AND THE MISUSE OF MY NAME. 

I have contacted the XXXX courts and they have stated to me that they did not provide these agencies with this information therefore you have had more than enough time to prove this as accurate information from the courts and they have stated that they have not provided this information. Where are you getting this inaccurate information fro? I believe that this is an error and all Bankruptcy notes and bankruptcy should be blocked immediately. Attached you will see the laws that protect my consumer rights and it will be recorded with the consumer finance if you don't govern your agency by the law. I realize this could be an oversight by one of your agents, maybe they were in a rush but this is not acceptable when it affects me in a negative way, because of the negligence of an agent. Please take the proper steps to make sure this is corrected so that we can discontinue any need for court fillings or law suit. Bottom line, You knowingly provided false information and therefore are in violation of the Fair Credit Reporting Act. NO AGENT WAS PROVIDED WITH THIS INFORMATION FROM THE COURTS yet your reporting it as accurate verified information. Someone owes me an apology or money for damages this is causing. 

XXXX XXXX The bankruptcy notes are still on my file inspite of me notifying you of the inaccurate information. I've done everything correctly as far as notifying you and giving enough time for a response and update stating the corrections being made to my file. I believe according to the fair credit reporting act I have a right to have only accurate information reporting or you violate my consumer rights. and I have already been included in the Equifax law suit. This information is public and you can type my name in and see if for yourself.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 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: PA

Complaint narrative:
I am in receipt of a current credit report of which questionably suggests that I now or in past have owed you something, yet there is nothing that substantiates your reporting or claim thereof so I demand that you dismiss all claims and eradicate any injurious reporting ( s ) versus me, particularly if currently reported item ( s ) are potentially deficient of the mandatory document evidence of physically verified factual proof of the truth of claim, truth of reporting, accuracy of claim, correctness of reporting, completeness of claim, fullness of reporting, timeliness of claim, timeliness of reporting, ownership or responsibility elsewise of claim, ownership or responsibility else wise of the reporting, and or the complete and perfect certified Metro 2 format reporting standard ( s ). I demand that you display to me your lawful authority to forcibly conduct business with any contesting consumer much less me! Particularly removed is your right to act in dereliction as you hold me under threat of financial and or creditworthiness injury ( ies ). I here now DEMAND that if you are unwilling or unable to do as requested, as demanded, and as otherwise mandatory to retain or regain compliance of reporting no later than 20 days from your receipt of this lawful notice of consumer complaint that you immediately and forevermore thereafter cease any and all derogatory and or injurious actions versus me, to include but not limited to the foul actions to report and or collect unverified, untrue, invalid, or else wise not certifiably compliant claim ( s ) and or debt ( s ). Let it be in clarity that I am well aware of the FACT that absent legal authority or a written agreement between us that you can not force me to conduct any business interaction ( s ) with you and I will NOT! Certainly if you elect still to injure me, even to the slightest, it undoubtedly would be a show of merciless harassment or even willful extortion, a CRIMINAL OFFENSE in my state of residence! Any such behavior will directly or indirectly lead me to act accordingly, so please rectify your chicanery-laden subterfuge as alleged on my current consumer credit profile history by eradication and or removal from reporting the delinquently reported item ( s )

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 2020-04-23 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: PA

Complaint narrative:
I am in receipt of a current credit report of which questionably suggests that I now or in past have owed you something, yet there is nothing that substantiates your reporting or claim thereof so I demand that you dismiss all claims and eradicate any injurious reporting ( s )  versus me, particularly if currently reported item ( s ) are potentially deficient of the mandatory document evidence of physically verified factual proof of the truth of claim, truth of reporting, accuracy of claim, correctness of reporting, completeness of claim, fullness of reporting, timeliness of claim, timeliness of reporting, ownership or responsibility elsewise of claim, ownership or responsibility else wise of the reporting, and or the complete and perfect certified Metro 2 format reporting standard ( s ). I demand that you display to me your lawful authority to forcibly conduct business with any contesting consumer much less me! Particularly removed is your right to act in dereliction as you hold me under threat of financial and or creditworthiness injury ( ies ). I here now DEMAND that if you are unwilling or unable to do as requested, as demanded, and as otherwise mandatory to retain or regain compliance of reporting no later than 20 days from your receipt of this lawful notice of consumer complaint that you immediately and forevermore thereafter cease any and all derogatory and or injurious actions versus me, to include but not limited to the foul actions to report and or collect unverified, untrue, invalid, or else wise not certifiably compliant claim ( s ) and or debt ( s ). Let it be in clarity that I am well aware of the FACT that absent legal authority or a written agreement between us that you can not force me to conduct any business interaction ( s ) with you and I will NOT! Certainly if you elect still to injure me, even to the slightest, it undoubtedly would be a show of merciless harassment or even willful extortion, a CRIMINAL OFFENSE in my state of residence! Any such behavior will directly or indirectly lead me to act accordingly, so please rectify your chicanery-laden subterfuge as alleged on my current consumer credit profile history by eradication and or removal from reporting the delinquently reported item ( s )

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 2020-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
My brother from XXXX sent money for me from XXXX by wire transfer he sent XXXX in a US dollar currency to my bank account here in TD bank In New Jersey, the money came here as {$4700.00} and plus they charge me XXXX $ wire transfer in different transaction, I called and complain, customer service left me in hold for around 2 hours, their answer is they see money transfer in us dollars but it changed to XXXX dollars then changed again to us dollars, I don't know why and they can't help me to dispute or to ask why, please help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Io, Inc.
State: VA

Complaint narrative:
In XX/XX/XXXX, a check was mailed directly to XXXX XXXX. Check # XXXX was dated XXXX and someone from XXXX XXXX wrote on the check XX/XX/XXXX XXXX. [ Please see highlighted & attached ]. The check then cleared on XX/XX/XXXX [ Please see highlighted & attached ]. 

However, on XX/XX/XXXX when I called RMS [ stated they collected for XXXX XXXX ] after them appearing on my credit & affecting my credit score [ please see attached & highlighted ], they stated that they had no payment from me and that a check had bounced in XXXX. 

Despite the check bouncing, another check in the same amount was sent directly to XXXX XXXX and cleared in XXXX of XXXX. RMS stated they would talk with XXXX XXXX and circle back to me despite me sending in all the proof. I also called XXXX XXXX directly and you all claim to have neither receipt of this check nor any idea of what I am talking about. I sent in proof and was told someone would get back with me. We are now a week later and no one has taken the time to get back to me, yet they swiftly affected my credit. 

Today in the mail I receive a letter from RMS stating I owe a debt of {$57.00} from XXXX. How, when I paid {$94.00} and it cleared in XXXX? Furthermore despite the check clearing XX/XX/XXXX, RMS placed this bad debt on my credit report on XX/XX/XXXX. To date, no one has returned my calls or responded to any letters that have been sent. Please advise

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
After reviewing the credit report from Experian noticed XXXX continues to furnish late payments in formats that are incorrect. The account is the same with different amounts. The University of XXXX was involved with litigations for charging amounts against federal guidelines of student loans. With the number of inaccuracies, credit and creditworthiness are compromised.

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 2020-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
On XX/XX/XXXX, I received an alert from XXXX  XXXX XXXX about a new collection account added to my credit file. Right away I contacted the listed collection agency on my credit file. I spoke to an agent who claimed that I got the wrong department and he transferred me Mr XXXX XXXX. I asked Mr XXXX to spell his name for me, he refused and hanged up the phone on me. I called back and informed him that I was going to report this to the office of the AG of Texas, he claimed he was going to transfer me to a manager and dropped the call. 
Based on my credit file the account number is listed as XXXX. Back in XX/XX/XXXX I filled a case with the CFPB, complaint ID XXXX, and the complaint was resolved and the account deleted from my credit file as stipulated on CFPB complaint ID XXXX. Today, on XX/XX/XXXX, almost 3 years later Midwestern Recovery System is illegally and maliciously reporting this same account on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have not receive my tax return deposited into my checking account, IRS website confirms the refund amount of {$3100.00} has been sent to my bank on XX/XX/XXXX. I only receive my stimulus covid 19 payment of {$1700.00} on the XX/XX/XXXX that is label at IRS Tax Ref but this is not my Tax Return. I called Bank Of America many times and they claim they have no access to confirm if the {$3100.00} was receive I'm also pending my state tax refund to be deposited. My husband stimulus covid19 relief of {$1200.00} was confirm from IRS website that it was sent to be deposited XX/XX/XXXX and its not deposited into my account from Bank Of America. 

Bank of America refused to seek for further assistance of what happen with the funds that was sent to them, they are only repeating what I already have access to view online of funds I have in my account already.

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 2020-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
On XX/XX/XXXX a buyer of mine opened a claim with PayPal for an unauthorized transaction. Paypal case XXXX. 

Realizing the mistake the customer cancelled the claim the next day. I have been on three separate conversations with Paypal regarding this case, and aside from the obvious disdain for me as a customer, each time they find a new strain of XXXX to throw my way. 

I made a screen capture of the case history which shows that the claim is cancelled, which they acknowledge one time out of three. 

They are holding my money and I want it back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
On XX/XX/XXXX, XXXX, Navy Federal Credit Union tranferred {$3500.00} from my checking account to my closed credit card account ( also with Navy Federal Credit Union ) without my permission and without any sort of notice ( written or verbal ). I recently had a bankruptcy dismissed in XXXX, and still had some outstanding debts on the credit card. I spoke with a service representative on XX/XX/XXXX to plead my case that the amount was unreasonable and asked that they return the funds. I also said I was willing to set up a more reasonable payment plan, but the representative only offered the standard responses that I should have called to set up a payment plan after the bankruptcy was dismissed. So no progress was made. The following day, XX/XX/XXXX, I learned that after that call with Navy Fed on XX/XX/XXXX, they made a second unauthorized transfer from my checking account to the oustanding balance on the credit card in the amount of {$2600.00}. This dropped my checking account balance to - {$2.00}. Added up, these two collections represent over 50 % of my disposable income for the month whereas federal law, to my understanding, limits such collections to 25 % of disposable income. I am now facing a handful of missed payments on rent and other bills over the next few weeks, and I have XXXX cash or other means to purchase food, gas, and supplies during an already difficult time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 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 — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: DE

Complaint narrative:
In XXXX my wallet was dropped/stolen while leaving the XXXX in Delaware. I had not noticed until a couple hours later credit card companies were contacting me regarding suspicious activity. It was at that time i realized my wallet was not in my possession any longer. It was determined someone was using my cards. There multiple charges at the XXXX I previously shopped at for multiple {$310.00} charges. 2 of these transactions went through on my Comenity Bank card. I notified them those were not my charges and confirmed which ones from earlier in that day were in fact my charges. My other compromised cards also removed the charges. I also contacted the police had a police report completed, and contacted the XXXX where they pulled the video footage of who used my cards. They pulled the info together to share with the police officer. As they were able to see me in there earlier purchasing a few items, and then later see someone came in attempting to use all my credit cards. I was sent a new card by comenity. On XX/XX/XXXXI noticed the charges were put back on my account that were fraud. I called and was told the investigation was complete and found I was responsible for the charges. I asked what investigation was done as if a thorough one or even a decent one where the merchant was contacted they would be able to easily see these werent my charges. I have since asked a new investigation be opened. However, feel comenity bank was negligent in their initial investigation and failed to notify us that they even put the charges back on our account. Why did no other bank have an issue determining these were fraud? I feel this was blatant negligence and violates my rights as a consumer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
I have been receiving calls from so many different numbers that I can not keep up, on several occasions I have told the caller that I have no idea about this debt to which they have stated to me that they would come to my job and give me paperwork when I told them that is harassment they made horrible obscenities to me, they said you should not borrow XXXX if you can not pay for it, I asked them to please stop calling my phone and I was told that they can call me whenever they please until I pay this debt, I was harassed and actually a little afraid about it, now I see that they put this on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Ive had american express credit card since XXXX. I joined XXXX in XXXX i started the process for SCRA benefits  with american express on XX/XX/XXXX. I completed the process and application was sent. Told me would take up to 60 days. I received a Ietter by mail that my benefits had been approved. Waive late fees, waive over draft fee, waive annual fee but nothing on capping the interest rate at 6 %. i message back on XX/XX/XXXX and saw that my interest went from 14.99 % to 14.49 %. I then proceded to call american express on XX/XX/XXXX, XXXX they told me my SCRA benefits have been approved and that a letter by mail had been sent to me on behalf of my benefits. I told them i got the letter but my rate should be no higher then 6 %. So we resubmitted the application. On XX/XX/XXXX i message again just to see if my rate had been adjusted and i was told i had to wait 60 days because i had submitted application on XX/XX/XXXX. I message again on XX/XX/XXXX for my interest rate and notice it went from 14.49 % to 12.99 % so i proceed to complain about the situation. I requested that someone for high position call me. I received call from an american express employee and we had a 29 minute conversation on how they cant lower my interest below 12.99 % she said they already brought it down from 14.99 % to 12.99 % and thats the most they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 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: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
Hard inquiry from Jpmbc card service on XX/XX/2019. Called the company the day after this happened and they stated they would investigate t and have the inquiry removed. Never applied for any services with this company. No action has been taken and its been over 3 months. It is showing as a hard inquiry on my XXXX credit report. I would like to have this removed as it was done fraudulently either by identity theft or by the company running my credit without my permission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: FL

Complaint narrative:
The last three months of XXXX ( XXXX, XXXX, XXXX ) & first three months of XXXX ( XXXX, XXXX, XXXX ) I was never informed of having to begin paying back my loan. I never received any email, phone call or mail informing me of repayment date. I reached out to try & resolve this matter, but I never have been able to get any help and gave me these late payments. I now can not get approved for a mortgage because of this mark on my credit and the lender can not help me with this unfair situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation