vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-27 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Opportunity Financial, LLC
State: IL

Complaint narrative:
On XXXX XXXX my account was debited {$150.00} and caused my bank account to be overdrawn. Then the following day on XXXX XXXX my account was debited for the same amount {$150.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
On XXXX ( afternoon approximately XXXX ) I went to XXXX and XXXX to do grocery. checked my bank before I use it and there is fund. The next day at XXXX I received notification that i have - {$18.00} from my husbands purchase few days ago that was only billed unexpectedly with {$9.00} each, so I immediately transfer funds to cover my -balance after i transfer it says on my account that i have paid the negative balance then after XXXX i received again a notification that my balance is negative again and been charged with {$70.00} overdraft fee which I believed is ridiculous. Ive been charged of overdraft fee multiple times in the past.they have this policy that negative balance that was not paid after XXXX will be charged overdraft fee {$35.00} each transaction the next day. so If you received your bill @ XXXX ; XXXX you will not be able to cover your negative balance and automatic charged with overdraft fee which is unfair because its not enough time to cover your negative balance in 1 min. I think it will be much better to give at least 24 hours from the time it was billed before they charge the overdraft fee.I send a complaint to FDIC which was forwarded to CFPB and XXXX I received email that the result of investigation was sent to my mail, It was written there that my case was resolved and not gon na waive my overdraft fee and was paid 25 % which is not okay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: KS

Complaint narrative:
I applied for a XXXX XXXX credit card on XX/XX/XXXX. I signed up for this card partially for the bonus offer of XXXX points if I met a {$15000.00} spend within the first 3 months. I met my spend in time. I contacted American Express probably back in XXXX or XXXX to check on why the bonus offer is not showing, they informed me that it would post shortly. Talked to American Express last Friday XX/XX/XXXX to check on the bonus offer. Someone informed me they would look into it but never did. I checked again on XX/XX/XXXX and was informed that I didn't qualify for the offer. This was the first that I was hearing of this. The person who I had an online chat with wouldn't offer any help beyond saying I didn't qualify even though when I applied I was told I would receive the offer and 2 other times I was told they would look into it and 1 time was told that it would post shorty. I believe American Express chose not to give me the offer after the fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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: FL

Complaint narrative:
Credit inquiry is NOT legitimate. I did not ask them to check my credit and they keep calling and harassing me trying to sell me solar energy etc. 


XXXX/XXXX  XXXX 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 2021-08-27 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
According to 15 U.S.C 1681 states that CRAs are required to report only accurate credit reports and exercise the consumer 's right to privacy. 15 U.S.C 1681 subsection ( A ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

These consumer reporting agencies are in violation, of which, 15 U.S.C. 1692g ( a ) - Notice of Debt { Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing }. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt.

I contacted them multiple times but I never received any response yet, which violated my rights on 15 U.S.C 1681N and 1681O for their willful and negligent non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
According to 15 U.S.C 1681 states that CRAs are required to report only accurate credit reports and exercise the consumer 's right to privacy. 15 U.S.C 1681 subsection ( A ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

These consumer reporting agencies are in violation, of which, 15 U.S.C. 1692g ( a ) - Notice of Debt { Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing }. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt.

I contacted them multiple times but I never received any response yet, which violated my rights on 15 U.S.C 1681N and 1681O for their willful and negligent non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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:
On XX/XX/XXXX my score dropped by 58 points. Tranunion can provide no clear reason as to why. All payments and accounts have been current in XXXX. In fact I have not had any late payments since XXXX. There was an error from USDA  in XXXX of XXXX, but the USDA corrected the issue at the beginning of the year. I have contacted Transunion and they also advised the error was corrected. But can not explain why my score was dropped 58 points. The report on their website does not provide details for the decrease. The only info I can find is on XXXX XXXX where it says there was a missed payment with the USDA, which shows corrected, but still decreased my score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX ... XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX ... XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX ... XXXX  XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXXXXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report 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 2021-08-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
On XX/XX/2021 I received a text and email that a phone number had been added to my Coinbase account. I immediately logged in and Changed my password then locked my account so no further actions could be taken. I have not had access to my account since this day. No one will get back to me and no one is answering my complaints. There is not a person to talk to just an automated system that leads you no where. Since then I have submitted several requests and complaints to rectify this situation. I still have not heard anything to this day. I have contacted the SEC and FTC regarding this as well with no fix as of yet. I have lost over {$3000.00} as of now although I don't know the real amount because it flows the coins I own.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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 noticed fraudulent and inaccurate information on my report. Please delete and update my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXXWAKEFIELD ( Original Creditor : XXXX XXXX XXXX ) XXXX ... XXXX XXXX XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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: General Motors Financial Company, Inc.
State: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ... GM FINANCIAL XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-27 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 a victim of identity theft and did not make these charges. The items that need to be removed from my report are listed in my supporting documents. I do not know these companies. I have never done any business with this companies. These companies does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I have spoke to XXXX  several times on several different occasions to CLOSE my account, I never funded the account. I express concern that if there was a data thief, they would have access to this closed account. The online access portal is still active showing this account. I just receive an email about " XXXX Checking statement is now available, Account ending in XXXX ''. I feel like I'm being harassed and the company refused to CLOSE this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I called capita one on XX/XX/2021 to ask the amount I would need to pay to keep my account from going into a 30 day past due status. The representative I spoke with advised me to pay a minimum of {$180.00}. The capitaL one statement does not tell you how much is past due from the last cycle, but only tells you that it is past due. I paid {$200.00} on XX/XX/XXXX to avoid being 30 days past due, as advised by the Capital one has agent. On XX/XX/XXXX, I received an alert that my account was reported 30 days past due. This was very disheartening as I did what capital one advised. I called today and spoke to two agents XXXX XXXX XXXX ) ID ( XXXX ). The first agent was rude and unhelpful. She suggested that I speak to a supervisor. The supervisor named XXXX was helpful and told me that I should of paid {$200.00} instead of {$200.00} and that the previous rep misinformed me. At her recommendation, I paid the {$7.00} and submitted a dispute via the credit bureaus. I would like captial one to remove the delinquent status since I was misinformed by their representative.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
My Indigo credit card has been locked by the credit card company because of one payment that was returned because the insufficient funds do me changing banks XXXX The payment that was returned was an additional payment I was submitted to lower my credit card debt but was not the minimum payment for that was already paid and honored try try it too I have only had this account for 2 months all my other payments have been successful and and I was only notified my credit card was locked 2 weeks after the initial lock I have respond out to the company and they refuse to unlock my card I was told I had to make a minimum payment that it's not due but I still made 2 payments as the act of good fate Is am I caught still not I have ACH payment coming out of that credit card that has known Practice and harsh rules and regulations regarding a {$300.00} account that's only been Open for less day I have another credit card with the same company which is on my destiny card of which my card was locked last month for the same reason and I'm being XXXX against all my accounts for submitting a complaint to the federal trade commission regarding that instance with that card And I'm going to the same situation with the new card Indigo credit card of which I received a offer lbecause of my good standards and payments with my destiny card My card was locked 2 weeks prior to receiving any correspondence both times and and the seasoned bit harsh for these penalties to be affected immediately on the 1st return payment Which was an additional payment Aside the minimum payment that was paid Which is a result for the complaint I made for my 1st credit card which is my destiny my destiny a month prior this situation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
In XX/XX/2021 I contacted midland credit about an account they sent me notification on. 
The notification said that if I pay the amount due according to this notification within three months of being contacted by them that this would not be reported to the credit bureaus. 
I paid in full as agreed trying to be compliant with the request and avoid the data being reported on. 
also on the Midland website it clearly states the following, but they are still reporting it to XXXX. 

**We do not report to credit reporting agencies for accounts that are more than two years old ( based on the date of delinquency ) and paid in full ( including accounts paid in full for less than the full balance ).

**We also dont start reporting on new accounts if your payments begin within three months after we send our initial letter and you continue making payments every month until the account is paid in full ( or paid in full for less than the full balance ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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: CA

Complaint narrative:
I previously mailed the attached letter below on XX/XX/XXXX and have yet to see any changes made to my credit file. Please review the attached letter I am providing which is pursuant to 15 U.S. Code 1692a ( 3 ) consumer means any natural person obligated or allegedly obligated to pay any debt. Also pursuant to 15 U.S. Code 1681c-2 Block of information resulting from identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: WI

Complaint narrative:
I am receiving letters from Portfolio Recover Associates, LLC saying that I owe {$1200.00} from a transaction with XXXX XXXX  on XX/XX/2019. I do not have a XXXX XXXX account and believe that this is fraud.I called Portfolio Recovery to say that I did not make this transaction and they are asking for a lot of personal information which I am suspicious of. My attorney advised me to contact the CFPB to resolve this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Recovery Management
State: TN

Complaint narrative:
I check my consumer report & seen that FOX COLLECTION CENTER was reporting a ALLEGED DEBT on my report! 
FOX COLLECTION CENTER never sent me any letters about this ALLEGED DEBT. 
I am disputing and requesting validation according to Title 15 U.S. Code 1692g FOX COLLECTION CENTER HAS TO REMOVED ALLEGED ACCOUNT FROM MY CONSUMER REPORTS

Company response to consumer: Closed with explanation