vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XXXX closed my account in XXXX of 2017. They did not tell me the account was closed and continued to report that I was missing payments on a closed account when I was actually making payments. When I called to ask why my account was reported as a closed account on my credit report, they lied to me and told me that it was open. It wasn't until I spoke with the dispute team that I was informed that the account was in fact closed. They also misappropriated a payment and redistributed it as miscellaneous funds. ( They initially denied this and said that my bank had taken the payment back. I pointed the information out to them when I got a copy of my payment report from them ). I would like them to remove the missed payments that are reported after they closed the account in XXXX of 2017.

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 2020-03-05 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
ftc file # XXXX XXXX XXXX XXXX XXXX XXXX all of them XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on XX/XX/XXXX is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act The Federal Trade Commission has stopped a student loan debt relief scheme, alleging it bilked  more than {$23.00} XXXX from thousands of consumers with false claims that it would service and pay down their student loans.XX/XX/XXXXXXXX, XXXX A XXXX woman won a {$450000.00} arbitration award from XXXX 's ... Companies who violate the 1991 Telephone Consumer Protection Act can be fined a ... The Federal Trade Commission received nearly 3.8 million robocall

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 2020-03-05 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: MO

Complaint narrative:
XXXX closed my account in XXXX of 2017. They did not tell me the account was closed and continued to report that I was missing payments on a closed account when I was actually making payments. When I called to ask why my account was reported as a closed account on my credit report, they lied to me and told me that it was open. It wasn't until I spoke with the dispute team that I was informed that the account was in fact closed. They also misappropriated a payment and redistributed it as miscellaneous funds. ( They initially denied this and said that my bank had taken the payment back. I pointed the information out to them when I got a copy of my payment report from them ). I would like them to remove the missed payments that are reported after they closed the account in XXXX of 2017.

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 2020-03-05 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: TX

Complaint narrative:
ftc file # XXXX XXXX XXXX XXXX XXXX XXXX all of them XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on XX/XX/XXXX is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act The Federal Trade Commission has stopped a student loan debt relief scheme, alleging it bilked more than {$23.00} XXXX from thousands of consumers with false claims that it would service and pay down their student loans.XXXX  XXXX, XXXX A XXXX woman won a {$450000.00} arbitration award from XXXX 's ... Companies who violate the 1991 Telephone Consumer Protection Act can be fined a ... The Federal Trade Commission received nearly 3.8 million robocall

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 2020-03-05 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: TX

Complaint narrative:
ftc file # XXXX XXXX XXXX XXXX XXXX XXXX all of them XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on XX/XX/XXXX is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act The Federal Trade Commission has stopped a student loan debt relief scheme, alleging it bilked more than {$23.00} XXXX from thousands of consumers with false claims that it would service and pay down their student loans.XXXX  XXXX, XXXX A XXXX woman won a {$450000.00} arbitration award from XXXX XXXX ... Companies who violate the 1991 Telephone Consumer Protection Act can be fined a ... The Federal Trade Commission received nearly 3.8 million robocall

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 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: AR

Complaint narrative:
I decided to get my credit pulled due to a of bill I received in the mail. I have never heard from the place before. I immediately suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX XXXX {$26000.00} XXXX XXXX   XXXX {$370.00} BANKRUPTCY CHAPTER XXXX-FILED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 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: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
XXXX, XXXX  and XXXX are reporting g incorrect information on my credit report regarding XXXX XXXX/Raymour and Flanagan this debt is being report as a charge off and late when it was discharged in my Bankruptcy Chapter XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
On XXXX XXXX someone got into my phone and was able to take XXXX from my checking account. They also locked phone and I had to go to the bank to close my account and I had to go to XXXX XXXX to get new phone XXXX XXXX  is how they did this and they are saying it had to have been a family member as they so no fraud.the bank Navy Fedetal is saying I allowed the Person to have my info. 
I did not give anyone my info XXXX is a lot of money to be out. The email the person used on XXXX is closed and you can not communicate with them.i need help here I did spend 2 hours in the XXXX   store getting a new phone and I did open a new bank account. 
XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Army and Air Force Exchange Service
State: NC

Complaint narrative:
In XX/XX/XXXX i was getting weird orders of things i did not order i returned them back to military star then up too the middle of XX/XX/XXXX .they was told too close the account around the end of XXXX they did not.instead i found out they did not close it til XX/XX/XXXX, therefore charging me 19.5 percent interest for 2 years accrued too card .also many of items where returned but i never got credit for returns, they then transferred too a 3rd party, XXXX XXXX XXXX XXXX.they say i owe them XXXX, and military star says XXXX in other words different from amount, i have complained too military star that the charges was wrong fraud. i pleaded for someone too investigate, but nothing, now XXXX XXXX after 6 months today have taking over XXXX dollars from now and still garnishing check and charging interest got smart with me and said i should have known what i was signing for 19.5 percent interest. please help me to recover my money and stop XXXX XXXX and military star stop they practicing on military veterans I have contact them they claim they sent forms but i never receive them i told military star that i disputed the charges and never heard from them either and when they did start garnishing check i never received any thing to dispute such charges

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 2020-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I made a bank transfer on XX/XX/2020 for { {$400.00} } through my account at Wells Fargo via XXXX to an account owned by XXXX XXXX XXXX  XXXX XXXX For the payment of a debt. 

The transfer was successful under the number XXXX, The money was debited from my account but XXXX XXXX, owner of the account to which I sent the money did not receive it. 
Call the bank to file the claim on XX/XX/2020which gave me promise to give me a temporary credit if in 10 days they did not give me solution to case case number XXXX, after a few days I went to the bank agency and nobody gives me answers or proof that the money was delivered to the recipient After about 10-15 calls the operators give me different information, some tell me that the case is closed and others not. 

I hope you can return my money shortly.

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 2020-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Southwest Business Corporation
State: GA

Complaint narrative:
We were told we would be able to do an FHA Streamline refinance on our house as soon as we were paying on it for since months by our lender, XXXX XXXX at SWBC. We talked about this probably once a month until the date was close enough to start submitting the paperwork. The process started on XX/XX/XXXX. We submitted all the paper work he needed almost immediately and was told not to make the XXXX payment because of the refinance costs. My wife and I trusting our lender did not and waited for him to get back with us. The last I heard via email was on XX/XX/XXXX and was told they were sending it to underwriting. We waited another week or so and started getting worried so I reached out to XXXX. I received a text back saying he would call me in an hour or so but it wound up being the next day before I heard back. This was nearing the end of XXXX and he told us there was some issue but he would get it resolved. He finally told us after several attempts to contact him later, at this point its after XX/XX/XXXX, that they can not do the refinance. This sent me and my wife reeling trying to catch back up on two mortgage payments and were unfortunately not able to get caught back up until XX/XX/XXXX. Now because all of this my wife and I have negative history on our credit and are unable to refinance somewhere else to get away from SWBC. This whole thing feels like a ploy to keep us shackled to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
I am seeing a debt for {$300.00} on my credit report. I have tried to dispute this and I don't have a clue what this is. Comentity bank has not been helpful getting this unrecognized debt taken off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
XXXX, Transunion and XXXX are reporting g incorrect information on my credit report regarding XXXX XXXX/XXXX XXXX XXXXXXXX this debt is being report as a charge off and late when it was discharged in my Bankruptcy Chapter XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 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: EQUIFAX, INC.
State: CT

Complaint narrative:
Equifax, XXXX and XXXX are reporting g incorrect information on my credit report regarding XXXX XXXX XXXX XXXXXXXX this debt is being report as a charge off and late when it was discharged in my Bankruptcy Chapter XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Received a check in the mail from Bank of America in the amount of {$6900.00}. I bank at Bank of America. Endorsed and deposited check in ATM on XX/XX/2020. Received a notice that the check was being held. Thought it was strange to receive notice. Went to the BofA branch at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX and my son advised the manager that the check might be fraudulent. He gave my son attitude and flippantly said nothing could be done because it was deposited in an ATM. 
I was telephonically advised the check was counterfeit on XX/XX/2020 by XXXX, BofA Fraud Dept. She said there was nothing she could do to return my money because check was counterfeit. 
Talked with her Supervisor, XXXX, on same date and he too advised that there was nothing the bank could do because the check was counterfeit and said I had lost {$6900.00} when I deposited it in the ATM. He said the bank could not help get the money back. When I asked why the bank did not notify me of the fraud, and that if I had not called on that day I would not have known about it, he could not give me an answer. 
I have been banking with BofA for many years and expect to be helped with this issue. 
XXXX transferred my call to XXXX, also Fraud Claims and she advised the same thing, i.e., nothing could be done by the bank. 
It was a BofA check and looked legitimate.I have copies of the check.

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 2020-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 60 ) days late on the XXXX   partial account numbers XXXX and ( 90 ) days late on the XXXX  partial account number XXXX. ( Please see pages attached from my credit report. ) I changed banks and contacted a representative at XXXX XXXX. I provided all of the new banking information for payment to this account. The bank never updated any of my information and consequently debits were being taken out of the old account. I was not aware there were any outstanding balances due, nor was I aware that lates were being reported on this account until I obtained a copy of my most recent credit report. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
A so called friend of mine asked if I could help him cash a money order that his parents had sent him for XXXX. It was for XXXX and supposedly it was a XXXX gift. I said sure not thinking anything of it because he was my friend so I cashed it for him XX/XX/2019. It cashed no problem no questions asked. Two weeks go by and on XX/XX/XXXX chase bank returned the check saying it was fraudulent and it had been altered. So my bank account is now over drawn and I simply dont have the money to give the bank to make it right nor do I think I should have to I was a victim of fraud. Ive talked to the bank several times and they tell me its up to me to make it right and pay the account back. I was already in financial crisis when this happened Barely getting by. I just think this is unjust and do I cant even get another bank account now and that in itself has made my life very difficult. What can I do help plz

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
BofA VISA CC # XXXX ( Stolen VISA CC Account Ending in XXXX ) My credit card was lost/stolen back when I was visiting XXXX, XXXX, XXXX. It had been used at a Jewelry store XXXX XXXX XXXX  for the amount of {$9300.00}. A police report # XXXX - XXXX has been filed with Office XXXX Badge # XXXX showing that the purchase was not made by me or anyone I know. Bank of America is refusing to reimburse for this fraudulent charge stating : " While you personally didn't make the charge ( s ), we confirmed it was made by an authorized user on the account or someone who has permission to use the card. '' They are not providing me with any documentary evidence on how they have come to this conclusion. Based on what documents from the merchant, police, etc. have they been able to determine that this charge was authorized and not a fraud? 
I have NO authorized user on my account, and I have NOT provided permission to anyone to use this card or have NOT given anyone, my card to use. 
Please either provide me with documentary evidence used to reach this decision in your investigation, or reimburse me for the fraudulent charge. According to law, I must not be held liable for any fraudulent charge reported promptly. I have provided BofA previously a copy of the police report, as well as all the additional documents I could get my hands on to show this charge was not made by me and is NOT authorized. Please assist. 

-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 2020-03-05 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 was trying to buy a car at XXXX and when they ran my credit to see what banks I qualified to get a loan from, I was told that no bank was able to approve me for a loan because there are more than five accounts in negative standing appearing on my credit report. The accounts are from XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. I did not open any of those accounts with these companies and I did not allow anyone else to open those accounts in my name using my information. I did not benefit anything from these accounts such as money, goods, services or any other benefit and I never made any payments towards any of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc.
State: SC

Complaint narrative:
I mailed AArgon a letter asking them to validate this debt but instead, they sent me all of my medical history. I did not give this company authorization to have personal medical history. My rights have definitely been violated. What happened to HIPPA??? i want this deleted from all 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