vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX / XXXX / {$0.00} AXXXX / XXXX / {$4400.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( XXXX ) PROMPT NOTICE OF DISPUTE TO FURNISHER OF INFORMATION ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 
( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( XXXX ) ( A ).

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 2022-02-01 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: BMW Financial Services NA, LLC
State: MO

Complaint narrative:
I made a payment on my car loan and also there was an ACH. The company is BMW USA and they lost my payment and did a partial ACH and didn't record it as any payment credit. Ive tried talking to them and they refuse to acknowledge my payment even with proof from my bank account. As such, the bureaus refuse to help because BMW will not correct my payment history from XXXX years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, Transunion and XXXX to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : XXXX, ID, Identity Theft report

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 2022-02-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I have been patiently waiting on the Bureaus ' response to the written requests I sent with regards to WELLS FARGO BANK with account number XXXX. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.

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 2022-02-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I received a letter from Comenity Capital Bank in XXXX, OH that I had been denied an XXXX XXXX credit card. The letter was dated XX/XX/2022 and I received the letter XX/XX/2022. 

I NEVER APPLIED for this card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-01 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:
Transunion is reporting unauthorized inquiries on my credit report

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 2022-02-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: ID

Complaint narrative:
In XXXX, XXXX, and XX/XX/XXXX Nelnet automatically more than doubled the payments for XXXX months on my student loan. Upon calling they offered a credit for the next few months to make up for the increase in what was charged. The automatic payments were stalled from XXXX to XXXX. In XXXX then they charged a late fee because they didn't pull the payments out. A call was made and they refunded the late fee because it was a mistake. The payment was re-established. In XXXX it was realized Nelnet had been charging us 1.25 % more in interest since XXXX because their company put us into a " hardship forbearance '' without our knowledge. Upon calling they said this was done because we had a pause on our account. It was explained that the pause was because they had overcharged us and it was due to the credit that was given to us. The account has always been on an automatic withdrawal and we are not in control of having the pause put on our account. Because of the " hardship forbearance '' they applied this caused us to lose the 1.25 % interest rate discount incentive for making all on time payments. The manager on the phone has verbally agreed that it looks like their company made a mistake but they will not reverse the interest rate and will not fix the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 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: Exeter Finance, LLC.
State: IL

Complaint narrative:
received a credit inquiry on XX/XX/2021, XX/XX/2021, from EXETER FINANCE CORP . I absolutely have no idea who this company is and why they are on my credit report. I have attempted to contacted them via mail on XX/XX/XXXX, XXXX XXXX, 2021 and XXXX XXXX as of today I have not received any response from this company as to who they are and why they thought it was acceptable to attempt to pull my credit or pull my credit. I DO NOT KNOW THIS COMPANY AND I DID NOT GIVE AUTHORIZATION OR PERMISSION TO PULL MY CREDIT. I HAVE ATTACHED A COMPY OF MY POLICE REPORT AS IT APPEARS THAT MY IDENTITY MAY HAVE BEEN COMPROMIZED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, Transunion and XXXX to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : XXXX, ID, Identity Theft report

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 2022-02-01 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: VeriCore, LLC
State: FL

Complaint narrative:
I keep getting harassing phone calls from a collection company called Vericore they call my employer and my work cell and it could jeopardize my employment because of the language and them telling my employer About the debt and threatening to sue or garnish my wages. I have asked them numerous times not to call my employer or my work cell phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against 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 non-monetary relief
Consumer complaint received 2022-02-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA, XXXX APPLE ATTN : DISPUTE/CLIENT RESOLUTION SPECIALIST RE : ADVERSE ACTION DATED XX/XX/2022 Recently, I, XXXX XXXX was denied an extension of credit by APPLE On XXXX applied for The Apple Card. As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). XXXX XXXX has violated my federally protected consumer rights : XXXX. 15 U.S Code 1642 2. 15 U.S Code 1681M XXXX. XXXX2 CFR 1002 Since the letter you sent me is both a proof and evidence that I have been discriminated against, you are also criminally liable. Apple should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. 
BEST, XXXX, XXXX L Without prejudice, all natural inalienable rights reserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 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: CarMax, Inc.
State: IL

Complaint narrative:
I did not AUTHORIZE XXXX to pull my credit report on XX/XX/2021. I did not attempt to purchase a car from this company. I have attached a copy of my police report as I have filed a complaint about my wallet being stolen and my identity being compromised. I have reached out to several companies that has indicated that XXXX contacted them on my behalf to get credit in which I did not authorized. 

XXXX - XX/XX/2021 XXXX XXXX XXXX - XX/XX/2021 XXXX XXXX XXXX - XX/XX/2021 XXXX XXXX XXXX - XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX  - XX/XX/2021 XXXX XXXX XXXX - XX/XX/2021 XXXX XXXX XXXX - XX/XX/2021 XXXX XXXX - XX/XX/2021 XXXX XXXX XXXX - XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 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: TN

Complaint narrative:
A fraudulent account is reporting on my credit file that is not mine and I have NO knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 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: PA

Complaint narrative:
I am writing to delete the following information on my file. The items need to be deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that these items be deleted to correct my credit report. I reported theft of my identity to the Federal Trade Commission, and I have also enclosed copies of the federal Trade Commission identity theft affidavit. Please delete as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to delete the following information on my file. The items need to be deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that these items be deleted to correct my credit report. I reported theft of my identity to the Federal Trade Commission, and I have also enclosed copies of the federal Trade Commission identity theft affidavit. Please delete as soon as possible.

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 2022-02-01 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-02-01 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX did a hard inquiry on my report when i applied to preapproved offer which was preapproved hardest preapproval i ever had

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 2022-02-01 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Direct Recovery Services, LLC
State: DE

Complaint narrative:
I was called by XXXX I received the following voicemail : Federal law designates this matter as a confidential notice for XxxxxxX if this is not XxxxxxxxX please hang up now if this is XxxxxxxX hello unfortunately we received notice on your file it is now XXXX, XX/XX/XXXX and your file has reached our office due to your failure to respond we do need to know was done intentionally or was an oversight I suggest you communicate we are open until XXXX PM today the phone number is XXXX we are asked to see if voluntary communication XXXX I apologize for the aggravation but again we only did just receive this notice to pay online go to www.directrecoveryservices.com and click on the pay now week your account number is XxxxxxxX I went to the website and put in my information. It did not work. I called the above number XXXX. A woman answered, identified my name, asked for my address, and said that I owe XXXX {$270.00}. I told her that I am certain I paid off my XXXX account and I dont see it on my credit report either. I told her I will double check and call back later. She laughed at me and said, Later? ( XXXX ) No, this needs to be handled NOW. I proceeded to tell her to XXXX XXXX XXXX and hung up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Chime Inc.
State: OH

Complaint narrative:
Dear Sir/Madam, My name is XXXX XXXX XXXX On XX/XX/XXXX, I transferred an amount of {$1600.00} to XXXX XXXX in XXXX through XXXX, whose US Head office is located at XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MA XXXX. On the said date, my intention was to transfer {$160.00} but ended up sending the above amount. Upon realizing the transaction error, I tried to contact sendwave to no avail. I therefore contacted XXXX in XXXX through my family to reverse the transaction which was effected ( evidence of transfer and reversal is attached to this email ). Because I was having difficulty contacting sendwave, I contacted my bank ( XXXX XXXX XXXX XXXX ) to request a charge back whose action was set in motion. 

I later received an email from sendwave informing me of the suspension of my sendwave account due to it being under investigation to which I replied. On XX/XX/XXXX, I received another email from sendwave to check my XXXX bank statement for the credit of {$1600.00} to my account. I am saying on record now that this money has not and has never been credited to my account as was purported by sendwave. 

Based on the above information, I am writing to your institution for help in retrieving my money from sendwave. Please find attached evidence of traction, reversal and communication with sendwave. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I found check fraud against my checking account ( someone intercepted a check from the mail and altered the pay to field ). Call 1 to USAA, they had trouble submitting the complaint, I was told they would call back once they got it to go through. Call 2, I called because I never heard back, and was told the fraud complaint was submitted and I needed to wait. Call 3, I had waited a couple of weeks and still hadn't heard anything, was told that the complaint was never actually submitted, but they got it to go through during this call. Call 4 a couple weeks later, was told it was still processing and they were backlogged. Call 5 was because I suddenly found that all my accounts were frozen ( not just the account with check fraud ) and a bill payment had been rejected. Spent over an hour on the phone straightening it out, and when I asked why I wasn't informed about the frozen accounts, the rep confirmed no notice had been sent out ( she didn't know why not ). They also refused to reimburse me the NSF fee from the rejected bill payment. All reps I spoke to except on Call # 3 were incompetent. And freezing ALL of my accounts without ever informing the customer is unacceptable bank practice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group
State: ME

Complaint narrative:
Received letter in regards to an alleged debt from 1996. Original debt supposedly came from XXXX XXXXXXXX XXXX, possibly also known as XXXX. I never had any business dealings with this company.

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 2022-02-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Google Compare Credit Cards Inc.
State: NJ

Complaint narrative:
Google XXXX owes me {$200.00} for the Trade-In of a XXXX  XXXX. So far, they have not paid as promised. 

The Following is the latest of several communique to Google XXXX, for credits owed for the trade in of Google XXXX  XXXX. The email below explains the problem. 

: To date, I have yet to receive the money you owe me ; neither for the unused coverage ( {$52.00} ), nor for the return of the XXXX  XXXX ( {$150.00} ). You keep giving the reasons that ; ( A ) The account must be fully closed, and ( B ) You need 30 days for processing. The Account has been closed since XX/XX/2021 ; that's 127 days ago. The reasons for the refund had nothing to do with either. The {$52.00} is due for the Traded-in of the equipment before the end of the coverage term and the {$150.00} is for the return of the equipment itself.

Company response to consumer: Closed with explanation