vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This has nothing to do with my Bank of America account. I has everything to do with the Bank of America account held by XXXX XXXX, the money mule for a scam fake investment company pretending to be the actual XXXX XXXX XXXX XXXX. The Bank of America branch at XXXX XXXX XXXX XXXX, XXXX, North Carolina XXXX has allowed this money mule to operate using its bank since at least XX/XX/2019 and my particular case, it allowed XXXX XXXX to steal a bit more than {$120000.00}. B of A has refused to provide its valid fax # or email address, so I resorting to contacting you along with other law enforcement agencies. Eventually, a subpoena might be necessary to open up this bank account, but at the moment, I am focusing on freezing the XXXX XXXX bank account, so that additional money does not disappear, so that I can possibly receive some of the money in that account. The police will look at the paper trail in future weeks. 

Here is what you will need : Account Name : XXXX XXXX, Account # XXXX XXXX XXXX, XXXX XXXX XXXX ; ABA/Routing Number : 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 2020-05-13 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: AZ

Complaint narrative:
XXXX  and Transunion are reporting incorrectly that I am an authorized user on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful.

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 2020-05-13 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: AZ

Complaint narrative:
Equifax and XXXX  are reporting incorrectly that I am an authorized user on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: TX

Complaint narrative:
I contacted Enhanced Recovery Company and requested they validate the debt pursuant to The Fair Credit Reporting Act and The Fair Debt Collections Act, Enhanced Recovery Collections never validated the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Control, LLC
State: GA

Complaint narrative:
I have received contact from XXXX XXXX XXXX about a debt and I have requested validity of debt. I have requested hard copy proof where I expressly agreed to debt by way of contract with original creditor and XXXX XXXX XXXX. Hard copy agreement. Credit control purchasing debt and being assigned to debt. Amount they paid for said debt. Full accounting of the transaction history. I requested all collection activity to stop 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
Consumer complaint received 2020-05-13 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: PA

Complaint narrative:
I have attempted many times to get a charge removed permanently from my credit card. They refuse to assist me with the process. Sending me letters after the fact. I am the card holder but the refuse to work with me. I know I have rights - the right to be informed in the process and the right to refute findings. Not so. All they want is my money. The charge is bogus and I have made numerous attempts to contact them and they still have not called me back - not once has someone called to mediate this dispute. They send letters with dates that have already expired - none of them signature required. Why can't they take the charge off the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 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: AZ

Complaint narrative:
XXXX  and Transunion are reporting incorrectly that I am an authorized user on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful.

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 2020-05-13 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:
Equifax and XXXX  are reporting incorrectly that I am an authorized user on the XXXX/XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 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:
XXXX  and Transunion are reporting incorrectly that I am an authorized user on the XXXX/XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful.

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 2020-05-13 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I purchased an item from XXXX  XXXX XXXX on XX/XX/XXXX. They had my card on file. On XX/XX/XXXX, XXXX, and XXXX they charged me for {$1500.00} each charge, totalling {$4500.00} without my permission. I reached out to XXXX XXXX, at XXXX  XXXX XXXX and he claimed that it was a mistaken charge and that he would issue a refund. I waited a couple weeks but never saw a refund, so I reached out to my bank, Chase, and asked them to begin a credit card chargeback. They credited my account for the total amount while they investigated. They reached out for more evidence on the dispute, I provided them with all of the contact from the merchant, including him admitting that it was a mistaken charge, that he had tried to issue a refund, and that there was no invoice or record of me asking for the charges to be made. 

Somehow, Chase ruled in the merchants favor and I was told that I would need to physically mail Chase to reopen the chargeback, or they could transfer it to their fraud department. I asked them if they thought that was the right way to move forward and they said sure, and transferred the dispute to the fraud department. Fast forward another month and the fraud department has also ruled in the merchant 's favor, even though he claims he has never fought the disputes and even told his CC processor, XXXX, that he did not want to argue the charges. I need my bank to protect me when someone just runs my credit card without my permission. That is literally one of the only reasons they exist and I will absolutely cease to do business with them if this is how they handle their disputes when someone was literally stolen from.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-13 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: FL

Complaint narrative:
I received my credit report from the three major credit reporting companies and noticed that my credit score from TransUnion was significantly lower than XXXX  or XXXX. 
I found that derogatory misinformation had been posted by XXXX XXXX servicing showing a mortgage payment of 120 days late in XXXX or XXXX loan had actually been serviced by XXXX XXXX XXXX XXXX  since XXXX of XXXX. Not XXXX. We sent a bank statement and photo of the cancelled check for the mortgage payment to XXXX to correct the error and their response was the account with them had been closed and they couldn't do anything about the misinformation. We contacted XXXX XXXX XXXX and they couldn't do anything because it came from XXXX. We then entered a dispute with TransUnion and the dispute was rejected ( twice ) even though we provided proof of the payment and proof that XXXX had no reason to submit any derogatory info for the time period of XX/XX/XXXX. All we asked was that info be removed and the credit score to reflect ongoing payments. Now TransUnion says if the dispute is still not resolved, we can submit a 100 document with further explanation. We submitted all of the required documentation on two occasions that should have resolved the issue, yet, TransUnion is unwilling or unable to correct an obvious problem.

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 2020-05-13 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I'm filing a complaint With the cfpb because I have disputed with the credit bureau Equifax About a inaccurate account on my report that is being wrongfully reported. XXXX XXXX ( account # XXXX ) it has closed the account I had with them for no apparent reason. They stop deducting funds from my account in XXXX of XXXX with no apparent warning or explanation at all. I tried contacting XXXX XXXX on why they're not deducting the monthly payments from my account anymore and I have received no response from them in the last XXXX years that I have try to receive an answer. In XXXX of XXXX they closed my accountWhat 's charge offwith no warning and still have not responded to my request for reason of not accepting my funds or cancellation. I filed a dispute with the credit bureau Equifax To verify this account because they closed my account with them for no apparent reason and stop deducting money from my checking account. I still have the furniture and they haven't contacted me back upon numerous requests for an explanation or to come pick up the furniture to resolve this issue. I'm contacting you to have this account removed from my credit report immediately. because I filed a dispute with Equifax in XXXX of XXXX and have not received a response from them as of today XX/XX/XXXX Which is a violation of the Fair Credit Reporting Act for 30 days non-response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 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: CITIBANK, N.A.
State: FL

Complaint narrative:
Re : Acct. # XXXX Contacted Sears/CBNA about a fraudulent account on XXXX  credit report. I received a letter dated XX/XX/2020 stating that this account would be deleted from my credit report. This fraudulent account is still reporting on my XXXX  credit report. I have tried numerous times to contact Sears/CBNA to have this issue resolved but I can't reach anyone that can assist me.

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 2020-05-13 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: NY

Complaint narrative:
Not my inquires

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 2020-05-13 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX, I contacted XXXX  regarding hard inquiries that needed to be removed. I was told to contact the Companies directly to verify if they had authorization to run a credit report. Some of the Companies do not have phone numbers. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX American Express XX/XX/XXXX XXXX Card XX/XX/XXXX and XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Not my inquires

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 2020-05-13 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: FL

Complaint narrative:
I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible! 

The accounts I am talking about are : XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 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: GA

Complaint narrative:
Transunion is reporting incorrectly that I am an authorized user on the XXXXXXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. XXXX  and XXXX  have removed this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful.

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 2020-05-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: PRESTIGE FINANCIAL SERVICES INC

Complaint narrative:
I purchased a XXXX XXXX XXXX financed by Prestige Financial. I have had the vehicle for 7 months and the transfer case is cracked and leaking. The cost of repair the transmission is {$3000.00} and I can no longer afford the car as my current only income is SSDI payments. I called the finance company multiple times, as they would not return any of my calls. I informed them of the situation and my decision to surrender the car while I am not in default on payments. I was told by one person to try to get an offer on the car and they will see about releasing the lien because if not, there would be more fees added to my deficiency. At that time, I requested a settlement if I was to work to sell the car for them. After I was able to get an offer from a car dealer they advised me that they will not take a settlement and they will not accept the car dealer ship offer of {$9500.00} ; the balance owed on the vehicle which is {$19000.00}. At an auction, they may get less and there will be auction fees which they will add to my deficiency. Instead, they will only reply that they have a right to pursue me for the entire loan. I advised them I did not initially call for a settlement or to make an offer, but was only doing what their representative advised when I called to surrender the vehicle. The company is refusing to allow me to surrender the vehicle which will lower the cost of a repossession added to my deficiency and their actions are preventing me from having the deficiency on my credit show as a voluntary repossession. Their refusal to allow me to surrender the car will also have my credit report showing multiple missed payments when currently that is not the case, today is XX/XX/XXXX because I am current my next payment is due on XX/XX/XXXX for {$420.00} which is why I was trying to surrender the car I can no longer afford before its multiple missed payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: American Credit Acceptance, LLC
State: WA

Complaint narrative:
I went to look at cars XX/XX/2019, I sat down spoke with the salesman and discussed my option. They appraised my car and ended up pulling credit. Before I allowed them to pull my credit I asked the salesman how many lenders would be obtaining a copy of my credit report he said 2 or 3 it ended up being 6 or 7 the three credit bureaus. He also stated that if I didnt purchase a car the inquires would be removed after 45 days. I also reached out to the lenders directly to get this resolved and they told me to reach out to XXXX directly and when I did they refused to remove it

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