vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
Sir.The prize amounted $ XXXXUsd was said that in my name and contac to the bank of america.After the contacted them they had send me prize winning certificate.I don't know who issued that certificate and the certificate are true or not.But according to those certificate issued in my name I had claimed the winning prize.But they said that first to pay the transfer and processing charged amounted to {$1700.00} Usd.I refused to pay and asked them to transfer me the amount deducting the transfer fees.But they said the prize couldn't be deductible because of uno security reason and insurance protection.so the fund is still in hold or what was the actual reason.? Now they are telling me they are going to return it in government unclaimed fund.So what was the actual reason and what should I do to achieve that prize amount if that is real and genuine .Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
On XX/XX/2021 a check I wrote for one of my subcontractors was stolen and cashed by another person who went to Navy Federal Credit Union and deposited the check into their account for the amount of {$1000.00}. On XX/XX/2021, I opened a fraudulent claim with my bank at XXXX and sent in documents from the person who had the check stolen stating they never cashed the check. On XX/XX/2021, XXXX XXXX  wrote to me to let me know that Navy Federal Credit Union has still not responded and if they do not then the funds are lost. This is fraud and is being ignored by Navy Federal Credit Union. They know the account of the person who stole my funds and are ignoring it. I want my money back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a 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 explanation
Consumer complaint received 2021-07-02 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I sent the document below advising information on my report was incorrect and it should be deleted. According to the FCRA if the information is incorrect it should be removed off the consumer report. Instead the account was updated to what I pout in the letter. How did you verify the information to updated it. What if I was not telling the truth. They never send me a method of verification and I have asked plenty of times for the XXXX XXXX  account that is on my report. Everything they have been doing to my report is illegal and in violation.

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 2021-07-02 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: IL

Complaint narrative:
I sent the document below advising information on my report was incorrect and it should be deleted. According to the FCRA if the information is incorrect it should be removed off the consumer report. Instead the account was updated to what I pout in the letter. How did you verify the information to updated it. What if I was not telling the truth. They never send me a method of verification and I have asked plenty of times for the XXXX XXXX  account that is on my report. Everything they have been doing to my report is illegal and in violation.

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 2021-07-02 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: IL

Complaint narrative:
I sent the document below advising information on my report was incorrect and it should be deleted. According to the FCRA if the information is incorrect it should be removed off the consumer report. Instead the account was updated to what I pout in the letter. How did you verify the information to updated it. What if I was not telling the truth. They never send me a method of verification and I have asked plenty of times for the XXXX XXXX  account that is on my report. Everything they have been doing to my report is illegal and in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ENOVA INTERNATIONAL, INC.
State: OH

Complaint narrative:
I told CashNetUSA I needed to adjust automated payment dates due to income date change. I was told the dates couldn't be changed and I'd have to request 2 days before payment to have it moved every 2 weeks. I contact them as instructed and they have ignored the request due to improper response i.e. I didn't respond with I Agree or yes, or they " didn't receive '' request. This has caused my bank account to be overdrawn.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 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: AL

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX  - AUTO FINANCE - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX  XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX  - AUTO FINANCE on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX  XXXX  XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX  XXXX  XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX  XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 12. XXXX  on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc.
State: TX

Complaint narrative:
My granddaughter ( XXXX  ) downloaded a " free '' game ( heypets zro ) from XXXX XXXX  on XX/XX/2021. On XX/XX/2021 I was notified of a pending charge for {$210.00} on my checking account. I immediately notified XXXX  XXXX XXXX that this was not authorized and I didn't make this charge. They canceled my debit card & issued me a temporary refund and opened a claim. 

On XX/XX/XXXX I realized the pending charge was a subscription to heypets zro for the monthly fee of {$210.00}. I canceled the subscription and notified XXXX XXXX. 

On XX/XX/2021 I read an email from XXXX XXXX saying I didn't notify them within the 48hrs and my claim was denied. 

I emailed XXXX XXXX  back on the XXXX of XXXX saying I did notify them within the allotted time frame. I just didn't fill out the correct claim form. I also stated that as soon as I read the email saying I needed to fillout a different claim form I tried to do it immediately. It wouldn't allow me. I also got on XXXX XXXX chat to try and get it canceled with XXXX. He wasn't able to and had me escalate it. Sometime later My XXXX XXXX account showed it was refunded back to me. 

Fast forward to XXXX. My bank takes back their temporary credit saying I had a relationship with XXXX XXXX  so they denied the claim. XXXX XXXX  payment history shows that the {$210.00} is REFUNDED and tells me to contact B of A for my money. B of A says they never received the money. 

I engaged with XXXX chat ( XXXX ) again about not receiving my money. They say that B of A canceled the transaction and I need to contact them for my money several times. 

I have talked to B of A multiple times and they said XXXX received their money and never issued a refund. 

I have the chat from XXXX XXXX  saying the transaction was cancelled and B of A owes me money. I have my transaction history of all transactions for {$210.00} from B of A showing the withdrawal from XXXX and the temporary credit issued and then taken away. I have my XXXX XXXX  account showing a refund for {$210.00}. I also have the emails from XXXX XXXX  about the disputed transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 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:
This account is no obligation of mines and violates my consumer rights 15 usc 1692j, 15 usc 1692c ( b ), 15 usc 1692c-, 15 usc 1692d, 15 usc 1692e, 15 usc 1692f, 15 usc 1692b, 15 usc 1681b In order to finish my report you have to have my written consent, 15 usc 1691

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 2021-07-02 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:
This account is no obligation of mines and violates my consumer rights 15 usc 1692j, 15 usc 1692c ( b ), 15 usc 1692c-, 15 usc 1692d, 15 usc 1692e, 15 usc 1692f, 15 usc 1692b, 15 usc 1681b In order to finish my report you have to have my written consent, 15 usc 1691

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Name XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX These account is no obligation of mines and violates my consumer rights 15 usc 1692j, 15 usc 1692c ( b ), 15 usc 1692c-, 15 usc 1692d, 15 usc 1692e, 15 usc 1692f, 15 usc 1692b, 15 usc 1681b In order to finish my report you have to have my written consent, 15 usc 1691. Experian and XXXX have prolonged remove Fraudulent information in retaliation of multiple Disputes i put in for violating my consumer rights. Both Experian and XXXX refuses to comply by phone and have hung up on me multiple times. A XXXX representative told me she had my file mixed with someone else and still havent removed these accounts.

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 2021-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2021, a check I wrote to my subcontractor was stolen and cashed by someone else into their account at XXXX XXXX XXXX XXXX in the amount of {$1000.00}. On XX/XX/2021, I filed a fraud complaint at my bank at Chase. On XX/XX/2021, XXXX reported that XXXX XXXX XXXX XXXX has not responded and if they do not then the case is closed and I don't get my funds. This is FRAUD. Chase should not allow this to happen to my account is not adequately supporting me to get my funds back that they released illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I XXXX XXXX, receive a letter on XX/XX/21 from Portfolio Recovery Associates, LLC as a response to my request to validate what they assume a debt of mine. On the letter I disputed I even ask a contract that I signed with them as a proof of my debt and it was ignored and insisted that I have a validated debt to them. FDCPA Section 1692c. ( c ) Says that I have the right to refuse to pay this debt unless me the consumer validate it myself so no letters or contract what ever they may send me can validate anything about the debt they assume. I feel like I am being taken advantage of and it is causing me stress and my reputation is being harass.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 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: CarMax, Inc.
State: MD

Complaint narrative:
My uncle and I have the share the same name his name is XXXX XXXX my name is XXXX XXXX. His date of birth is XXXX my date of birth is XX/XX/1969. While reviewing my credit report, I noticed a loan appearing from CARMAX. I spoke with my Uncle and he cosigned for a loan for his daughter. I called CARMAX and spoke with the finance office they confirmed that they are using the correct social security number for my uncle. The agency has associated my name with the account. 

There are several wrong name associations on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 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: IL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 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: WV

Complaint narrative:
These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2020. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 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: MD

Complaint narrative:
My uncle and I have the share the same name his name is XXXX XXXX my name is XXXX XXXX. His date of birth is XXXX my date of birth is XX/XX/1969. While reviewing my credit report, I noticed a loan appearing from XXXX. I spoke with my Uncle and he cosigned for a loan for his daughter. I called XXXX and spoke with the finance office they confirmed that they are using the correct social security number for my uncle. The agency has associated my name with the account. 

There are several wrong name associations on my 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 2021-07-02 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: CA

Complaint narrative:
In XXXX of XXXX I received a call from a debt collector regarding debt. I let the person know I had never received a bill and would not pay this debt unless I could verify that it was MY debt and actually due. The representative was rude and hung up on me. 

To date I have never received any documentation regarding this debt, therefore I have not paid it. 

If a debt collection agency can hit a persons credit with inaccurate information or with claims of a debt whats to say any of these accounts are accurate.

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 2021-07-02 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX, Equifax and XXXX are reporting 12 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 2nd dispute letters to Equifax, XXXX  and XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 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: AFNI INC.
State: TX

Complaint narrative:
FCRA violations not mine see the Ftc : Afni AFNI Reported balance {$1400.00} Check if I should dispute Dismiss this action

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 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: TX

Complaint narrative:
FCRA violations not mine see the Ftc : XXXX XXXX Reported balance {$1400.00} Check if I should dispute Dismiss this action

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 2021-07-02 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: VA

Complaint narrative:
I reached out several times on XX/XX/21 and XX/XX/21 and XX/XX/21. I've summited all required documents to them. and I get sent from one department to the other and nothing gets accomplished dealing with credit companies as a consumer is a wasted of people hard earned time. they need better knowledge teams working there. I have wrong information reporting on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Name XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX These account is no obligation of mines and violates my consumer rights 15 usc 1692j, 15 usc 1692c ( b ), 15 usc 1692c-, 15 usc 1692d, 15 usc 1692e, 15 usc 1692f, 15 usc 1692b, 15 usc 1681b In order to finish my report you have to have my written consent, 15 usc 1691. XXXX  and Transuion have prolonged remove Fraudulent information in retaliation of multiple Disputes i put in for violating my consumer rights. Both XXXX  and Transuion refuses to comply by phone and have hung up on me multiple times. A Transuion representative told me she had my file mixed with someone else and still havent removed these accounts.

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