vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Dear to whom it may concern, My name is " XXXX XXXX ", I am writing this request for these inaccurate items that are listed below to be reinvestigation. If accurate, they have to be removed off my credit report in 30 days according to Fair Credit Reporting act. I will be validating all debts from these creditors and filing complaints on all parties to XXXX, XXXX, Experian and every creditor reporting the above items ) and filing lawsuit if not done.

**Name** XXXX XXXX XXXX **Address** XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX **EMPLOYMENT INFO** XXXX XXXX XXXX XXXX PLEASE REMOVE THESE ADDRESSES AND EMPLOYMENT INFORMATION BELOW AS THEY DO NOT BELONG TO ME AND THE INACCURATE INFORMATION BELOW IS PREVENTING ME FROM OBTAINING CREDIT I BELIEVE IT MAY BELONG TO SOMEBODY THAT HAS A SIMILAR NAME AND ADDRESS. % % **Auto Loans** XXXX XXXX Reported : XX/XX/XXXX This collection account is not belong to me. The original creditor don't have any signed contract with me. The collection agency has no account number or contact information associated with the account on my credit report and demand this is removed immediately. 
XXXX XXXX Reported : XX/XX/XXXX This charge off account is not mine. Please delete it immediately XXXX XXXX Reported : XX/XX/XXXX This charge off account is not mine. Please delete it immediately **REAL ESTATE LOANS** _XXXX XXXX Reported : XX/XX/XXXX This account is account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed. 
**Hard Inquiries** XXXX XXXX XXXX Inquiry : XX/XX/XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX  XXXX XXXX  XXXX Inquiry :  XX/XX/XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX  XXXX XXXX Inquiry : XX/XX/XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX   XXXX Inquiry : XX/XX/XXXX Auto Financing Contact the inquirer : MAIL ONLY UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION _XXXX XXXX XXXX Inquiry : XX/XX/XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION

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 2020-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Letter was sent by XXXX XXXX calming a debt of BANK OF AMERICA checking account. I dont have an account with BANK OF AMERICA .... I called BANK OF AMERICA to verify that nothing was opened under my information and nothing was found .... this a company trying to collect a debt that doesnt exist

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 2020-07-21 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My complaint is why my score drops drastically when I charge on my cards. When my score happens to go up its only 1 or 2 points. I NEVER!! Miss payments this is so unfair to people who pay there bills on time!!

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 2020-07-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
This girl steals, cheats, and cheats on people on XXXX XXXX pretending that she donates a phone and only requests money to send the phone and sends photos to you that she is inside XXXX and sends you a fake XXXX XXXX and XXXX requests more money than the agreed amount because the transfer price Requires more and then block work ... she asked me to download CASH APP and do transfer money through the app her name on app ( $ XXXX ) and her name on XXXX XXXX XXXX and when i send to her friends on XXXX to explan to them, they said her account was scaamed .. her took from me XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I see multiple 90-150 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
To Whom It May Concern, I was a loyal XXXX customer for over 12 years having a one time, 10 lines on the account. Despite being laid-off twice, I never, ever fell behind on a single payment ( or any other account for that matter ). Due to XXXX  poor service and overcharges, we began cancelling lines in XX/XX/XXXX with the last line being cancelled on or about XX/XX/XXXX. I asked several times starting in XXXX, if there was a balance and was told no. We closed in good standing with our autopay on XX/XX/XXXX. On XX/XX/XXXX, we had another auto-pay of {$110.00} ( after the account had been closed ). This charge was for the wrong device ( XXXX XXXX ) on line ( XXXX XXXX XXXX which had a fully-paid XXXX XXXX. Statement shows {$0.00} balance. 

For background, I did purchase a XXXX XXXX with a off promotion exclusively for line XXXX XXXX XXXX XXXX. The device was paid in full in XX/XX/XXXX, but XXXX continued to charge as if it were regular price. XXXX actually over-charged me {$240.00}. When XXXX called me, I explained the situation but they still sent me to collections. This is a scam by XXXX. 

I received a call from XXXX XXXX and a letter for them dated XX/XX/XXXX, for an amount of {$140.00}. I explained the situation, that I disputed the charge, and to have XXXX call me directly. I never heard back from them or XXXX. 

I received a call from XXXX XXXX and a letter from them dated XX/XX/XXXX, for an amount of {$440.00}. I explained the situation, and that I disputed the charge. Never heard back from them. 

Then, I received a call from XXXX XXXX XXXX and a letter from them dated XX/XX/XXXX, for an amount of {$150.00}. Again, I explained the situation, that I disputed the charge, and to have XXXX call me directly. I never heard back from them or XXXX. On or about XX/XX/XXXX, XXXX had the charge listed on my credit report. 

I once again dispute this charge and I am confident this charge is in error. I am requesting debt validation with a full payment history, copy of all notes on the account, and why the charge mysteriously appeared over 3 months after I announced that I was cancelling service and almost 2 months after the account was closed. 

I further request to have the collection account promptly removed from my credit report. 

Thank you. 


XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have lost income and had to move twice due to XXXX XXXX. I was not able to pay my credit card bills because of this. I called and asked for help. I was told the only option they have is a payment plan, but I have to pay the day I sign up. Since then I have been repeatedly called and harassed by American Express, receive threatening emails informing me my credit will be ruined, and they have even called my mother at her home in another state. Just today I received a threatening email informing me they will be reporting me to the credit bureaus. I pay my bills normally but because of XXXX  XXXX, I be had to move ( roommates became unemployed ) and I lost part of my income. This treatment is vile. They know and they just want to hurt people.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AR Resources, Inc.
State: FL

Complaint narrative:
I have three medical bills of my son XXXX XXXX date of birth XXXX. Bills from XXXX ; XXXX ; XXXX. Insurance company " XXXX XXXX  '' paid this bills full. But collections agency " AR Resources, Inc '' tries to recover money from me again.I have informed collections agency about this many times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Carvana Group, LLC
State: NY

Complaint narrative:
I ordered a car on Carvana 's website on XX/XX/2020 to be purchased in full and delivered to my address in XXXX XXXX  on XX/XX/XXXX. 

On XX/XX/XXXX I received an email from Carvana stating that my registration was being processed. 

A few days later, I received a car title dated XX/XX/XXXX but Carvana later informed me over a phone call that I should disregard this title since the date was incorrect and that they were still in the process of getting me an updated registration. 

There were numerous delays and the car was not delivered until XX/XX/XXXX. When it was delivered, it had temporary XXXX XXXX  license plates. 

At the beginning of XXXX, I called Carvana to check on the registration process since it had been about a month since I received the car. The customer support representative told me that Carvana was still working on the registration process and that told me that it was legal for me to drive to XXXX  with the expired temporary license plates since XXXX had issued an executive order extending license plate expirations. 

Today, XX/XX/XXXX, I called Carvana again to check on the registration status and this time was given conflicting information. Today I was told that it is in fact not legal to drive outside of XXXX  State since the executive order would only allow the expired license plates to be driven legally in XXXX. ( I'm not sure if the customer support representative understood that the license plates were from XXXX, but I'm not sure if that matters because XXXX  also extended their expiration. ) Also today I was informed that XXXX was not sure what was delaying the registration process but that it was unlikely that I would received my updated registration and license plates by the end of the month. 

I am moving from XXXX XXXX to XXXX  at the end of XXXX ( about 10 days from today ) and now can not legally drive to my new home in XXXX  due to the expired license plates. This car is my only method of transportation and I am now in an extremely difficult position as I now have no way to get to my new home, despite the fact that my current apartment lease in XXXX XXXX ends at the end of this month. Additionally, I have lost about 30 hours in dealing with this situation and the resulting stress which has cost me a lot of money because I had to take those hours off of work and thus did not get paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I deposit check by Mobile deposit on XXXX with {$250.00} and the check has my name on it and deposit it in my checking account in TD Bank and on XXXX that money token from my account and i called bank many times and for each call they said diffrenet reasons and one of reasons that i deposit the check two times and i didn't and i have prove from the bank that i didn't but last call they said in XXXX the check deposit in diffrenet place ( it is not me ) ... and i am not trust the bank and trying to neglact me many time, ,even if somebody found the check and deposit it ( for who this check and with whom name and who deposit it first ) ..check number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Chase locked my checking account on XX/XX/2020, I have not been able to access the funds since then, a local banker stated that Chase is closing the account and he does not know if or when I will be able to access the {$200.00} of funds therein.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Every time I try to get my credit report, I am told my information does not match which is on the report. I am inputting accurate information and therefore, I assume something is very wrong with my credit report. I am worried that because my name is very similar to that of my brother and father, and we all shared an address recently, that the wrong XXXX might be associated with the wrong SSN. I need to get a copy of my report and figure out what is going on.

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 2020-07-21 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/XXXX was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free XXXX XXXX XXXX, XXXX XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo cashed a stolen check without verifying. The check belonged to me but I do not have a Wells Fargo Account nor did I ever have one. 
I made a police report. With copy of police report and copy of the back and front of the check in hand, I went to Wells Fargo Bank located at : XXXX XXXX XXXX XXXX XXXX, Ca XXXX I asked to speak to a Manager but was denied. I explained my situation but was turned away and was told they could not help me because I was not a customer and did not have an account. I was told to call the " XXXX XXXX number ''. 
When I called Wells Fargo, they told me the same thing, I did not have an account.

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 2020-07-21 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX  and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
REQUEST FOR FREE XXXX XXXX XXXX!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX  score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

Company response to consumer: Closed with explanation