vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-29 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: GA

Complaint narrative:
ATTN : CEO/XXXX  XXXX & CFO/XXXX XXXX XXXX. Hello I am XXXX XXXX. NO E OSCAR disputes. A week ago I received a notice alert on my consumer reporting file. I mailed over certified documents on XX/XX/2021 to be exact I sent it with the USPS and it was signed by XXXX XXXX. The green certified number is XXXX. I've called in to get an update on the status of my disputes only to be told that there were no documents received. Here we are a month later with no response. I was lied to and was told that no documents have been received, in which I knew I clearly sent the documents and received receipt returns and a green card back. This is my proof to show that the consumer agencies are actually lying and ignoring me. I am distress and I have reach the capacity where I no longer have the patience to accept this as a consumer. There are inaccurate accounts that are reporting on my credit report that were removed an inserted back on my consumer report this was the first cause of action that I gave notice to the consumer reporting agency that they are refusing to correct information on my consumer report after providing proof that the inaccuracies are over to be removed. My reputation and character is being ruined due to inaccuracies of XXXX XXXX, XXXX XXXX listed and re inserted on my consumer report in which I've given evidence to back my claim. I am sure you are aware that in fact I can sue you for defamation and willful injury Pursuant to FCRA section 623 Recovery extent of damages incurred by the wronged party, as deemed by the courts in federal court. Second cause of action, The consumer reporting agency in fact re inserted a removed item from my consumer report without notifying me in writing within 5 business days, in fact I will sue them for violating FCRA Part ( A ) ( 5 ) ( B ) which carries a fine of {$100000.00}. Third cause of action is where the consumer reporting agency fail to respond to my written disputes, and try to respond online which I asked for them not to do. Also they didn't respond within 30 days, I will be suing for violating FCRA section 611 part ( A ) ( 1 ) which carries a fine of {$1000.00} per violation. Must remove from reporting within 4 business days of receipt I am not allowing E OSCAR disputes only manual human being.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Three times a fraudster has " transferred '' all of the funds out of my California XXXX XXXX Bank of America account : {$3400.00} on XX/XX/2021, {$3400.00} on XX/XX/2021, and {$3400.00} on XX/XX/2021. I filed claims with Bank of America after each incident and funds were returned to the account several weeks after the XX/XX/XXXX and XX/XX/XXXX fraudulent transfers. However, despite asking Bank of America to let me know if and when funds were returned to my account, I was not notified by Bank of America and didn't even know that the funds were restored before the fraudster ( who clearly was alerted about the funds ' restoration ) " transferred '' the money again. I have spoken ( after endless waits on the phone ) to numerous Bank of America representatives in their Protection, Complaints, and Transfer departments to report these fraudulent transfers and try to prevent these transfers from happening again and followed all of the steps they told me to follow, but despite my efforts these fraudulent transfers have now happened three times. I tend to get different answers and different " solutions '' to each person customer service representative I speak with. One B of A representative told me that the fraudster is clearly hacking my Bank of America online account, plugging in his email, phone number, bank account, etc. and even fake " security '' questions there. i, however, DO NOT HAVE ACCESS TO THE MY ONLINE BANK OF AMERICA EDD ACCOUNT ( whenever I try to log in I am told I have the wrong " security '' information. When I asked that the online account be removed and/or put on hold the representative I was speaking with told me this was impossible. 
I am at a loss and fear that even if/when the funds are restored to my account they weill be transferred by the fraudster a fourth time, since he has access to and is being given information that I do not have.

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 2021-10-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
Disputed with the company on XXXX. Company received my dispute on XX/XX/XXXX, XXXX XXXX as it shows according to the certified mail. It is now XXXX and I've yet to hear back from the company. The FCRA gives the company 30 days to respond, but I have not gotten a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I was hospitalized for XXXX during the time earlier this year. I have contacted XXXX to ask for a reconsideration of the late payment being annotated on my account due to my situation. XXXX has stated they do not correct any issues that are reported on credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-29 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: Continental Finance Company, LLC
State: IN

Complaint narrative:
I just had these two companies pop up on my credit for credit cards that I dont own! I havent opened any new accounts in over a year!! Im very upset about this!! I have contacted my attorney about this! These companies are fraudulent and need to be invested!! Pleas remove them from my account! Thanks

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 2021-10-29 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:
I see 2 unauthorized inquiries on my transunion credit report and I need them deleted 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 2021-10-29 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: NY

Complaint narrative:
Credit bureaus violated my rights. I gave them a chance to update the account reported on XXXX. Under 12 U.S Code 1681 ( a ) Accuracy and Fairness of credit reporting - The Congress makes the following findings ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumer 's right to privacy. Failure to comply or delete these items

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 2021-10-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: AZ

Complaint narrative:
Conns XXXX XXXX frequently calls my husband at XXXX, however, the phone line belongs to me. I have repeatedly told them that XXXX is in XXXX  and to stop calling. They call everyday 5-6 times. They could do an online search and verify hes an XXXX at XXXX XXXX XXXX. Im getting harassed by their constant daily calls. They have called from XXXX, XXXX, XXXX, XXXX and XXXX. Every time I block a number they call from a new one. Im already stressed with the fact he was arrested and being held on {$50000.00} XXXX. I dont need frequent collection calls for a debt I am not responsible for. We divorced in XX/XX/2020. They need to stop harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/2021 i received an ACH deposit into my checking account of {$29000.00} at Capital one bank which was funding from a PPP forgiven loan approved and funded by XXXX XXXX XXXX and also from the Small Business Administration ( SBA ). On XX/XX/2021 i received the 2nd PPP loan funding of {$40000.00} with an ach deposit from XXXX XXXX XXXX again. After i received those two loans there are rules as how to use those funds in order to be forgiven. Using them for payroll was the main rule so as a sole proprietor i paid myself by transferring those funds to my savings account, I then applied for the forgiveness of both of those loans from SBA Which i got approved for both loans. Immediately after that and months after i received those funds into my capital one checking account, capital one decided to freeze my savings account that i transferred those funds into, claiming that SBA AND IRS requested an investigation and requested my tax returns WHICH IS A TOTAL LIE BECAUSE I CONTACTED IRS AND SBA AND THEY ARE DENYING SUCH THING. Despite that i provided my taxes to capital one as they requested and in addition i provided the notes i signed with XXXX for the loans. But capital One its being continuously lying to me which i have recorded conversations proving that, holding my funds frozen, and only capital one having access to them for their own utilization and profit. Its been months now this is being going on. I requested to send those transactions back to the sender if they cant accept them but instead they want to keep holding them which makes me wonder why wouldnt capital one want to Return those funds to the sender? After plenty of visits to capital one branches and daily phone calls capital One requested an indemnity agreement from the sender in order to send them back which is another red flag. I then contacted the sender ( XXXX XXXX XXXX  ) and explained to them whats going on, they did sent the indemnity agreement to Capital One but still capital one keeps finding excuses so they can hold those funds as long as possible for their own profit causing me severe financial heartaches. Capital ones unethical and illegal actions defeat the purpose of the PPP program SBA created in order to help small businesses survive this pandemic tragedy and employees keep their jobs. My complain is THAT CAPITAL ONE HASNT RETURNED THOSE FUNDS TO THE SENDER DESPITE RECEIVING ALL DOCUMENTS THEY REQUESTED BUT INSTEAD THEY ARE KEEPING THOSE FROZEN. ALSO CAPITAL ONE IS CONTINUING HOLDING THOSE FUNDS FOR MONTHS BASED ON LIES. Also i would like to Know if there is a time limitation that Capital is obligated to return the funds from an ACH deposit? 
Capital One is being acting shady, unethical and vey possibly illegal towards a big number of PPP RECIPENTS stealing their money basically and needs to be exposed and stopped. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 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: NY

Complaint narrative:
Credit bureaus violated my rights. I gave them a chance to update the account reported on XXXX. Under 12 U.S Code 1681 ( a ) Accuracy and Fairness of credit reporting - The Congress makes the following findings ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumer 's right to privacy. Failure to comply or delete these items

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 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: GA

Complaint narrative:
ATTN : EXPERIAN/XXXX XXXX XXXX XXXX XXXX & XXXX / XXXX XXXX XXXX Hello I am XXXX XXXX. A week ago I received a notice alert on my consumer reporting file. I mailed over certified documents on XX/XX/2021 to be exact I sent it with the USPS and it was signed and received by XXXX. The green certified number is XXXX. I've called in to get an update on the status of my disputes only to be told that there were no documents received. Here we are a month later with no response. I was lied to and was told that no documents have been received, in which I knew I clearly sent the documents and received receipt returns and a green card back. This is my proof to show that the consumer agencies are actually lying and ignoring me. I am distress and I have reach the capacity where I no longer have the patience to accept this as a consumer. There are inaccurate accounts that are reporting on my credit report that were removed an inserted back on my consumer report this was the first cause of action that I gave notice to the consumer reporting agency that they are refusing to correct information on my consumer report after providing proof that the inaccuracies are over to be removed. My reputation and character is being ruined due to inaccuracies of XXXX XXXX, XXXX XXXX, XXXX XXXX listed and re inserted on my consumer report in which I've given evidence to back my claim. I am sure you are aware that in fact I can sue you for defamation and willful injury Pursuant to FCRA section 623 Recovery extent of damages incurred by the wronged party, as deemed by the courts in federal court. Second cause of action, The consumer reporting agency in fact re inserted a removed item from my consumer report without notifying me in writing within 5 business days, in fact I will sue them for violating FCRA Part ( A ) ( 5 ) ( B ) which carries a fine of {$100000.00}. Third cause of action is where the consumer reporting agency fail to respond to my written disputes, and try to respond online which I asked for them not to do. Also they didn't respond within 30 days, I will be suing for violating FCRA section 611 part ( A ) ( 1 ) which carries a fine of {$1000.00} per violation. Must remove from reporting within 4 business days of receipt I am not allowing E OSCAR disputes only manual human being.

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 2021-10-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
XX/XX/XXXX This account was indeed opened by me in XX/XX/XXXX for windows for my home. The line of credit was through Wells Fargo for XXXX XXXX. 

1 ) The account was paid in full by me on XX/XX/XXXX. Wells has not reported the account as paid in full and current. It has been over 30 days since the payoff and well over 30 days since the last update by wells. 

2 ) My credit report shows there is an outstanding balance of XXXX dollars. This reflects poorly on my credit file ; reflects poorly on my creditworthiness, increases my debt to income ratio, and lastly decreases my FICO and overall credit score. This has resulted in my recently being denied credit with several merchants. 

3 ) it shows my monthly payment was XXXX however my monthly payments were only XXXX this has been inaccurate and needs correcting. 

4 ) I keep receiving unwanted emails from wells stating I have an upcoming payment due this needs to stop. 

5 ) I was within the last week denied credit with Wells ; this is discriminatory as I have paid that account with an EXCEPTIONAL PAYMENT HISTORY. see attached.

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 2021-10-29 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: NC

Complaint narrative:
I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 46 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: MD

Complaint narrative:
On XX/XX/21 I closed my netspend all access card so I wouldn't get any unauthorized transactions due to me no longer having my card in my possession because of potential theft. On XX/XX/21 netspend still let an unauthorized {$260.00} transaction occur. I then called to file a dispute and my card was canceled and a reported stolen. From there I was told by customer service that if they were still investigating the dispute that I would get a provisional credit to my account within 10 business days. Now it's the end of XXXX and no one contacted me on this matter. I called netspend they told me I was supposed to send a statement to the dispute email which I was never told to. The only email I received was to email customer service support with my dispute which I did. I was told that since I didn't send a Statement to the dispute department I was not going to get the credit they told me I was going to receive and no one ever told me about sending anything to their dispute department. So I find this to be unacceptable and feel like they totally lied to me and gave me the run around. Customer service was not helpful and said it was nothing she nor I could do but wait 45 more days of investigating. I asked to speak to a supervisor and was waiting on hold over 45 minutes no one ever came to the phone. I don't think it's right to have a pilocy and then not hold up to it.

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 2021-10-29 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Thaxton Investment Corporation
State: AL

Complaint narrative:
Ask the companye could i refinance my loan pleaae help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I filed a dispute with Wells Fargo fraudulent charges online online gaming websites now they're saying it's gambling websites. Wells Fargo has not made it easy for me to dispute any of these charges we're talking about hundreds of charges repeatedly charges daily overnight {$300.00} at a time if that doesn't look suspicious to you why wouldn't you call me why wouldn't you text Wells Fargo knows my spending patterns why would they let someone drain my account in two or three days back to back I got a lot going on XXXX has not made anything easier I was even in the hospital for a couple days and what am I supposed to do I made them aware of what when it happened and I tried to call me as soon as possible and they have done everything to deter me we're talking about dispute and XXXX in one another dispute that is not include overdraft fees that they charge me why are they doing this and how can they get away with it cuz I'm nobody

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 2021-10-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I have raised a dispute on this account and attempted to contact the company/creditors several times without success. On my credit record, this account is incorrectly reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sa-Vit Enterprises, Inc.
State: NY

Complaint narrative:
I pulled a copy of my credit report and notice this company reporting derogatory information about me, I reach out twice before contacting the CFPB requesting verification of the alleged debt, including, ( 1 ) the name and address of the original creditor, ( 2 ) copy of the oral or written request or application for the alleged credit card account, ( 3 ) copy of a signed contract or signed agreement with the alleged original creditor, and ( 4 ) previous 12 months of statements of account. To date they have not responded.

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