vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I have been denied a refund on a purchase by XXXX. The purchase was made in XXXX for a concert in XXXX. We were emailed by XXXX that we would receive a refund as the main performer wasn't appearing. We did not attend and our tickets weren't scanned. XXXX ignored my repeated emails until yesterday, XXXX XXXX. At that time, they said they escalated my request. Today, they denied it and said there was a XX/XX/2022 deadline to get a refund. That was never conveyed to us at any time. Now it is too late under BofA 's guidelines to dispute the transaction.

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 2023-01-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I received a letter in the mail from Chase bank stating that I did not receive a credit card when I had never applied for the credit card. The card was a Chase XXXX signature business credit card. I was looking for additional information to see if I can figure out where this application came from.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-28 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: Grain Technology, Inc.
State: FL

Complaint narrative:
During the COVID-19 pandemic. My job that I had been at for 5 years terminated its contract with the government. My company closed down, and unfortunately I loss my job. 
I contacted GRAIN, and advised them if my unemployment status ( it was out of my control ). There is not a live person to speak with, its just email correspondence. I emailed them the financial situation that I was in, and they advised me that if I bring the account current ) ; they would remove the late payments. I brought the account from $ XXXX past due ; down to {$94.00}. I reached back out to the lady XXXX ; and she never replied to me. Instead, a XXXX XXXX replied saying that what was told to me isnt going to happen. She said she saw no such email, and then sent a word document ( look fake ) of a doctored email from the XXXX woman. 
I fell behind due to no fault of my own, and I have email correspondence of them agreeing to delete the past dues since it was out of my control. The report information is incorrect as the XXXX show 5 missed payments, and XXXX shows 11 ( Im not sure what XXXX says ). I asked for the CEO, or managers email, and XXXX refused to oblige. May someone assist me? I kiss my income due to COVID, and not a termination. I am trying to rebuild, and I paid what I borrowed like agreed. The late payments need to be removed like the previous employee agreed per our email.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA

Complaint narrative:
A collection was placed on my credit without notification of debts origin, an itemized bill describing charges for this debt and has greatly impacted my XXXX XXXX. This account is attempting to collect a fraudulent debt

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Automated Collection Services, Inc.
State: GA

Complaint narrative:
Effective XX/XX/XXXX, all medical collection debt that has been paid by the consumer in full will no longer be included on U.S. consumer credit reports. These changes precede an additional measure set to occur in the first half of XXXX, namely the removal of medical collection debt with an initial reported balance of less than {$500.00} from credit reports. 

I have a medical collection debt with an initial reported balance of less than {$500.00} being reported by AUTOMATED COLLECTION SVC. on behalf of XXXX XXXX and XXXX XXXX XXXX account number XXXX. I need to have this debt deleted from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 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: GA

Complaint narrative:
I am writing to dispute the following information that appears on my Experian report from XX/XX/XXXX : XXXX XXXXXXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I am a victim of identity theft and I never opened this account. 

XXXX XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I am a victim of identity theft and I never opened this account. 

XXXX XXXX XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I am a victim of identity theft and I never opened this account. 

I have included the identity theft reports.

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 2023-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CONTRACT CALLERS INC
State: CA

Complaint narrative:
I am a victim of identity theft, and did not make the account responsible for CONTRACT CALLERS INC. It was originally reported to my credit report back in XX/XX/XXXX on all three credit reports. Once it appeared, I reached out to the company and they informed me that the debt was from an electrical company in Virginia during a time that I was living in XXXX  ( I still reside in XXXX. ) I have never opened in an account with the company and have resided in XXXX  since XXXX. I informed them that the account and debt was a result of identity theft. I have previously reported this as identity theft and it was removed however it is now reappearing and the business refuses to remove it from my name/social. I am requesting that the item be removed from my responsibility and blocked to correct my debt and credit report due to the account or debt not being opened or used by myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Radius Global Solutions LLC
State: GA

Complaint narrative:
Effective XX/XX/XXXX, all medical collection debt that has been paid by the consumer in full will no longer be included on XXXX consumer credit reports. These changes precede an additional measure set to occur in the first half of XXXX, namely the removal of medical collection debt with an initial reported balance of less than {$500.00} from credit reports. 

I have a medical collection debt with an initial reported balance of less than {$500.00} being reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and RADIUS GLOBAL SOLUTIONS account number XXXX. I need to have this debt deleted from my credit reports.

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 2023-01-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over XXXX XXXX later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX XXXX gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over XXXX XXXX so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXXXXXX XXXX XXXX and may have got into the hands of the wrong person.

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 2023-01-28 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: EQUIFAX, INC.
State: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 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: CO

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over XXXX  days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over XXXX  days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/2023 I was talking to a representative named XXXX Concerning a payment due For XX/XX/2023 Because my credits were being with held! I stated to him that I received no Notifications That I was due on XX/XX/XXXX Because the system Never indicated that I was past due or had a bill due for XXXX the XXXX because I never received any notification Prior by email or by automated system or website That I was due on XXXX the XXXX as I stated to him! I also told him that if I had known that I had to due date that I would have made the payment Which I received no notification Because the system told me that I didn't have any payments due! So he goes on to say that we sent an email So I went to check and I received no statements for XXXX the XXXX Is stating that I was due The only statement that I received was a due date for XXXX the XXXX XXXX! So he checks again and tells me that the email bounced and it never went through So I told him that I needed to be complicated for the capital one 's error And he States to me That there's nothing he can do! I feel that capital one needs to be held accountable For their errors And not blame the customer because they have made a mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
Ive been disputing with credit acceptance for years now. Now my account is supposed to be closed and they will not remove the account off my credit. I was told by previous reps that once the account is paid off or have no balance it will be removed. Now that they agree to close the account they are not removing it off my accounts. For years they have been reporting inaccurate information and Ive been disputing it. They recently said they closed the account and the status should change they also say I dont owe anything. This information has been damaging to me I couldnt get another vehicle nor a home due to the reporting of repossessions which in fact it was repo XX/XX/XXXX. They reported repossessions each year each month on my payment history after they sold the vehicle. Ive asked for it to be corrected and removed over the phone just recently. They dont want to do either. I believe they willingly and knowingly know that they have been reporting incorrect information on my report they just dont want to fix it at all. I spoke with a representative XX/XX/XXXX who told me they dont have to remove the account off the credit seeing that I dont owe them. Even through the FDCRA you can modified, delete or permanently block this information they said they dont have to remove it. They also willing and knowingly reported false information which caused damage to my credit report. Which under the 15 U.S.C 1681-2 1 ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( b2 ) A person shall not furnish information relating to a consumer to any consumer reporting agency if

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 2023-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
I had Telecheck decline to approve a check. They do NOT answer the phone and every self-service option I try on the website goes nowhere. There is NO way for me to find out why they would not approve my checks. My credit and banking history have been perfect for many years. This is absolutely UNACCEPTABLE!

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 2023-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
This is Capital One third time posting the charge of {$460.00} to my account and Ive provided them with how the company didnt not fulfill the services and how the services was not fully rendered as instructed. Capital one keeps posting this to my account without my consent and as a consumer I do not appreciate this at all when I have done my part and they believing a corporation over a consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 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: AZ

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate XXXX payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and XXXX have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 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: CO

Complaint narrative:
On ( 11/17/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over XXXX  days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX  days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over XXXX  days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong person.

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 2023-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Eastern Account Systems of Connecticut, Inc.
State: NY

Complaint narrative:
my consumer rights have been violated under the Fair Debt Collection Practices Act ( FDCPA ). calling me late at night, while at work, during the parent-teacher meeting for my child, I send a cease and desist letter and validation for Eastern Account system debt collector to stop harras me and my family with unconsented phone calls down below will submit the proof of letters that were sent to the debt collectors.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation