vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
On XX/XX/2021, I sent a letter to Wells Fargo in regards of an account being reported to the credit bureaus where they are reporting different numbers than my records. but they sent me a letter without the whole number that I requested. 
I wanted to know if the account was sold, and if so to whom. I sent a follow up letter on XX/XX/2021 and it was ignored.

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 2021-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
My company ( a religious organization ) does not have any debt. Yet a debt collector company keeps calling. I have told the debt collection company to stop calling, and still the calls keep coming.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I started a dispute with Experian regarding a dispute with XXXX XXXX XX/XX/2021. I paid my lease on time and handed the car back. I showed proof to both XXXX and Experian that my car was returned and the loan was satisfied. 7 months later I was billed the disposition fee which I included the dated bill and proof to both companies. The not only did they not correct it but destroyed my car buying credit. I have sent multiple request to correct this since XX/XX/2021. Please help They noted I was late from the time the car was returned, up until the disposition fee

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 2021-05-26 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: AL

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. UNKNOWN- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX on XX/XX/XXXX XXXX Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I was informed that my account was being closed due to third party deposits inside of my account from two different step cousins, the deposits were coming since XXXX hard to believe if there where a problem that they would allow it for so long, on XX/XX/XXXX I received a XXXX hold on my account I then called the bank and they informed me that I had to take my two step cousins and add them to each account, I took one and added him and once I got around to taking the other one due to schedules they said it was no need my account was being closed anyway, I can get the idea but its not fraud if they knew and didnt think they can open a account. Now my money is being held I have no access to move let alone by kids diaper! Ive called numerous of times and have received so much information my head is starting to XXXX! And there still accepting deposits instead of sending them back so I can atleast have some money! My taxes just got sent another big deposit! Was made! And I cant change it because we all know you cant update your direct deposit on taxes once it sent and the other company i called multiple times no answers so my payment was accepted by boa! Im completely shocked at this and hopping something gives!!!!

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 monetary relief
Consumer complaint received 2021-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Clarity Consumers subsidiaries of Experian all of the stuff I the report that obtained is XXXX  and is there anyway to request for this company to not report or keep information about 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 2021-05-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CW Financial
State: AL

Complaint narrative:
Was contacted regarding an illegitimate debt. They threatened to take me to court and sue me for this debt that I do not owe. They did not read me any XXXX rights and couldn't even tell me who the original creditor was. This company is attempting to scam innocent people out of hundreds of dollars for debts that do not exist.

Company response to consumer: Untimely response
Consumer complaint received 2021-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
In the original correspondence, I furnished my identification to verify my identity so that there would be no confusion. I have corresponded with BB & T because this company is reporting 30 days late in the month of XXXX when I had XXXX. Once I overcame the sickness, I called immediately to not only make the necessary payment to satisfy the account but to also report having the XXXX XXXX  on XX/XX/XXXX. I immediately mentioned that there was a COVID-19 relief where delinquent payments or missed payments would be forgiven or not reported under the Biden Administration Cares Act. This did not happen ; I presently have 30 days late ( derogatory statement ) on all three credit bureaus. That reporting is grossly inaccurate per the COVID-19 relief and/or per a first-time late that is used by BB & T when a customer has never been late. This R1 derogatory 30 days late must be removed immediately from all three credit bureaus per the COVID-19 relief which was engaged on XX/XX/XXXX when I made the payment. I received a message back stating that they would not change it per XXXX XXXX, Collection Production Mgr. 2 due to me calling on XX/XX/XXXX. I stated in a return letter that I could have never made such a call and demanded to hear this recording and could medically prove that I couldn't even breathe during this time frame due to the COVID - 19.

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 2021-05-26 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: MN

Complaint narrative:
XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX EQUIFAX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX A report has been filed with FTC. Please remove the inquiries in this dispute Thank you for reporting identity theft to the FTC. 
This is not your temporary password. Your temporary password will come in a separate email. 
Your reference number is : XXXX I recently received a copy of my ( Equifax XXXX credit report and I notice there is an unauthorized/fraud credit inquiry made by XXXX the companies listed in this complaint ). I did not authorize these credit inquiry and I understand you shouldn't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate the removal process for these inquiries. Each company has received a letter sent by certified mail stating that the inquiries were not authorized, and I have requested them to be stopped. In addition, I have asked for their removal from my credit report. 

Under theFair Credit Reporting Act, the information provider has 30 days to report back to the credit bureau with proof that I authorized the credit inquiry. Also, in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. 

These unauthorized/fraud inquiries have been the reason for my credit denial and hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
In XX/XX/XXXX, I lost my job and was unable to make payments on my Kohl 's /Capital One charge card. Kohl 's turn the account over to a collection company called XXXX XXXX XXXX XXXX XXXX who offered me a Settlement Offer. I accepted the offer and paid the agreed amount to XXXX XXXX XXXX who removed their negative remark from my credit reports. I then contacted Kohl 's to see if their negative remarks could be removed from my credit report in which they refused to remove, they sated that the negative remark would remain on my credit report for 7 years from the last payment made, which was in XX/XX/XXXX. 

Recently, I reviewed my credit report and noticed that Kohl's/Capital One had placed a date of XX/XX/XXXX as the last payment made on this account. I wrote a letter dated XX/XX/XXXX ( attached ) to Kohl 's stating the facts and they have not responded. 

I then called Kohl 's on XX/XX/XXXX and spoke with employee # XXXX who was unwilling to help with this matter and then hung up on me before a resolution could be made. 

Kohl's/Capital One is in violation of the Fair Credit Reporting Act ( FCRA ) by using the date of XX/XX/XXXX that I paid the collection agency as the last payment made in lieu of the actual date of XX/XX/XXXX in order to keep their negative remarks on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 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 — Investigation took more than 30 days
Company: General Motors Financial Company, Inc.
State: NY

Complaint narrative:
I started a dispute with XXXX  regarding a dispute with GM financial XX/XX/2021. I paid my lease on time and handed the car back. I showed proof to both Gm and XXXX  that my car was returned and the loan was satisfied. 7 months later I was billed the disposition fee which I included the dated bill and proof to both companies. The not only did they not correct it but destroyed my car buying credit. I have sent multiple request to correct this since XX/XX/2021. Please help They noted I was late from the time the car was returned, up until the disposition fee

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BBVA FINANCIAL CORPORATION
State: MI

Complaint narrative:
- On XX/XX/2021, I called BBVA about a discrepancy in my checking and savings accounts. As their representatives confirmed on the phone, I made a mobile transfer of {$1600.00} from my savings account to my checking account. When I accessed my account yesterday, the transfer showed up on both ends, showing a balance on each account reflecting the transfer. 

- Before the transfer my savings had about {$14000.00}, after the balance was about {$12000.00}. 

- Today, the transaction does not show up on either account. Yet, my savings balance is still around {$12000.00} and my checking account balance does not seem to account for the transfer and stands at {$1300.00}. 

- When I called BBVA, the first representative confirmed the transaction and that my balance should be about {$2900.00} ( thats what he said he saw when he read it on his end ). He then transferred me to another representative who investigated the issue and initially agreed with my assessment, but then contradicted me later after speaking with someone else at BBVA.

- I called again, the first customer service rep then could not help, and " transferred '' me to someone else, who hung up on me before saying a word. 

- As it stands, Im missing {$1600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Paypal transaction with XXXX merchant on XX/XX/21. 

Refunded approved on XX/XX/21. Paypal promised funds back into account 3-5 business days and still have not received and no anticipation date of when I will be receiving them upon calling them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: VT

Complaint narrative:
Synchrony Bank, which administers Amazon cards, is aggressively pushing paperless statements without providing a functional way to opt-out. Here is an example email received today : " Your Amazon Store Card account is going paperless on XX/XX/XXXX. You will be able to quickly and easily view your statements and manage your account online. 
... 
Don't want to use paperless billing for this account? 
Click here by XX/XX/XXXX to continue receiving paper statements. 
By not clicking the opt-out link above, you agree to receive your statements electronically only. You will no longer receive paper statements in the mail. 

However, the " opt-out '' link goes to a non-functional web service. I have made multiple attempts at different times and each time returns : " 504 Gateway Time-out ''. 

It seems that a customer should have to affirmatively opt-in, rather than have to opt-out. And of course the opt-out service should function!

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 2021-05-26 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: MN

Complaint narrative:
XXXX XXXX XXXX XXXX from XX/XX/2021 XXXX XXXX  Inquiry from XX/XX/2021 XXXX/cc Inquiry from XX/XX/2021 XXXX XXXX Inquiry from XX/XX/2021 XXXX XXXX  Inquiry from XX/XX/2021 A report has been filed with FTC. Please remove the inquiries in this dispute Thank you for reporting identity theft to the FTC. 
This is not your temporary password. Your temporary password will come in a separate email. 
Your reference number is : XXXX I recently received a copy of my ( Transunion ) credit report and I notice there is an unauthorized/fraud credit inquiry made by XXXX the companies listed in this complaint ). I did not authorize these credit inquiry and I understand you shouldn't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate the removal process for these inquiries. Each company has received a letter sent by certified mail stating that the inquiries were not authorized, and I have requested them to be stopped. In addition, I have asked for their removal from my credit report. 

Under theFair Credit Reporting Act, the information provider has 30 days to report back to the credit bureau with proof that I authorized the credit inquiry. Also, in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. 

These unauthorized/fraud inquiries have been the reason for my credit denial and hardship

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 2021-05-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have XXXX  Bank of America Visa card over years. 
Bank sent promotional letter for 9 mos free interest cash advance from the card. 
Last XXXX, I had cash advance of about {$6500.00} for income tax payment. Bank charges 3 % on the cash advanced amount. 
I noticed last two months XXXX  charged about 14 % interest on purchases. 
I paid minimum amount for the cash advance and also paid off the purchase amount. 
So, I called bank customer service. Bank personnel indicated me that, until the cash advanced amount is paid off, the bank charges I interest on my purchases even though I paid off the purchased amount.each billing period. She indicated that it was in document. I asked weather other bank doing this way. She indicated tha t other banks probably doing. 
This is mis-leading advertisement for free interest cash advance. 
Charge 3 % in front. Then, charge interest on all subsequent purchases. 
Mis-leading and crooked way of doing business!

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 2021-05-26 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: Affirm Holdings, Inc
State: NY

Complaint narrative:
Had an open collection with the company Affirm thats handled by true accord. Ive since paid the debt in full for full balance and still reporting delinquent and negative months later. I have a receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
There is a XXXX  XXXX account that I have never owned or received a credit card in my hand that was made in XXXX of 2019 I mistook XXXX XXXX for XXXX  XXXX which I did own and am making payments on. 

I never owned a XXXX  XXXX account but the company said I did but around that time I did not have my social security and had to get a new card so this may have been a form of theft I need this account shut down because I am a XXXX XXXX I am still paying on school.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: IL

Complaint narrative:
National Credit Adjuster added a collection to my report in the amount of XXXX, which I couldve easily paid, that I have no knowledge of without a notice or consent. This is a malicious act by this company as I have been in process of purchasing property. This company does not operate in a professional manner when collecting debt or even giving proper notice to the individual. This debt was never verified and a form of identity theft due to losing my social and Id card, Ive never held an account with this company for collection. I called and spoke to a representative who could not verify the debt or give me an answer as to where it came from claiming they sent a notice that I never received. I have contacted a local fcra lawyer and will look to take legal action as this company has violated my rights under the fcra.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC.
State: IA

Complaint narrative:
On my Credit report it just pop up a collection from a lender AFNI 11 at T with the amount of {$500.00} age of account 3 months. I am not familiar with this lender or collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 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: LA

Complaint narrative:
I have previously submitted disputes to all three credit bureaus in regards to inaccurate account information. The main issue is that the scores provided by XXXX XXXX from the credit bureaus do not match the scores that are provided to the lender. Examples : 1. Two years ago, I traded in my vehicle. XXXX XXXX listed my scores in the range of XXXX to XXXX. The lender 's letter stated my score was under XXXX. Of course higher interest rate. 2. I applied for a mortgage a few months ago. XXXX XXXX reports my score as XXXX. The lender states that my score needs to be at least XXXX to qualify for a mortgage. The lender declines my application because of score ; under XXXX. 3. My current scores per XXXX XXXX are XXXX and XXXX. Approved for credit with 30 % APR with score of XXXX per lender 's letter. I do not understand how this is right.

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