vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-06 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: FL

Complaint narrative:
I have attached and account reporting to all three of my credit bureaus inaccurately, per the FCRA whom reports to my credit bureaus needs to report accurate information. There are 5 discrepencies on all three of my credit bureaus. This account needs to be deleted asap.

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 2021-08-06 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: WA

Complaint narrative:
HELLO, I HAVE SUBMITTED OVER 5 DISPUTES REGARDING AN ACCOUNT THAT ISNT MINE. PURSUANT TO SECTION 605B MY RIGHTS ARE BEING VIOLATED! XXXX HAS NO RIGHT TO KEEP REPORTING THIS ACCOUNT THAT IS CLEARLY NOT MINE!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 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: CA

Complaint narrative:
I have been trying to get some things off my credit report with XXXX, XXXX  and Transunion that are way over 7 years some are even 8 plus years old. I have been fighting this since XX/XX/2021 What in the XXXX why is it taking so long. I know by law they are supposed to come off at sevens year so AGAIN WHY????? 
So they just get to decide when they feel like it they can remove them and dont care about the law and people lifes. I feel they are just lazy and not doing their jobs it not the hard when I sent them a letter which details on it about the issues and why I was disputing them. 
My next action will be to obtain legal service and SUED!!!!!!!! 
This is total XXXX that I am having to waste my time with writing this complaint all because of the credit bureaus not getting things DONE.

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 2021-08-06 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: CA

Complaint narrative:
I have been trying to get some things off my credit report with XXXX, Equifax and XXXX  that are way over 7 years some are even 8 plus years old. I have been fighting this since XX/XX/2021 What in the XXXX why is it taking so long. I know by law they are supposed to come off at sevens year so AGAIN WHY????? 
So they just get to decide when they feel like it they can remove them and dont care about the law and people lifes. I feel they are just lazy and not doing their jobs it not the hard when I sent them a letter which details on it about the issues and why I was disputing them. 
My next action will be to obtain legal service and SUED!!!!!!!! 
This is total XXXX that I am having to waste my time with writing this complaint all because of the credit bureaus not getting things DONE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 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: WA

Complaint narrative:
HELLO, I HAVE SUBMITTED OVER 5 DISPUTES REGARDING AN ACCOUNT THAT ISNT MINE. PURSUANT TO SECTION 605B MY RIGHTS ARE BEING VIOLATED! XXXX HAS NO RIGHT TO KEEP REPORTING THIS ACCOUNT THAT IS CLEARLY NOT MINE!

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 2021-08-06 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: FL

Complaint narrative:
I have attached and account reporting to all three of my credit bureaus inaccurately, per the FCRA whom reports to my credit bureaus needs to report accurate information. There are 5 discrepencies on all three of my credit bureaus. This account needs to be deleted asap.

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 2021-08-06 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: FL

Complaint narrative:
I have attached and account reporting to all three of my credit bureaus inaccurately, per the FCRA whom reports to my credit bureaus needs to report accurate information. There are 5 discrepencies on all three of my credit bureaus. This account needs to be deleted asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA

Complaint narrative:
I signed up for the BoA XXXX XXXX Credit Card because it states you get XXXX bonus points if you spend {$3000.00} in the first 90 days https : //www.bankofamerica.com/XXXX I spent the {$3000.00} and never got the credit - I tried calling and they said that the bonus wasn't available to me - I spoke with XXXX, a customer service manager and he gave me this reference number XXXX They said that it was an " online only '' offer, and that I had not applied for the card correctly. This is blatant false advertising, as I would NEVER have signed up for the card if not for the rewards. 

By the way, they charged me {$95.00} in annual fees immediately after opening. They stole money from me

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 2021-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My Chase checking account added a XXXX account to my checking account, without my consent. I DO NOT want XXXX attached to my checking account. 

I also have had funds delayed in payment on my bill pay, associated with my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 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: IA

Complaint narrative:
I have no agreement with this company, Portfolio Recovery Associates ( PRA ). Any agreement would be fraudulent, as I have never formed any kind of agreement with PRA. I have repeatedly asked for proof of an agreement between myself and PRA, and for about one year now, and PRA has been unable to provide any proof of an actual agreement, all PRA sends me is a copy of a a sheet showing a balance, they have yet to show me a contract or anything remotely close to an agreement. Yet PRA continues to fraudulently report two accounts that are NOT mine. Simply saying someone or some group of people owe money for an account should not be reason enough to publish on a credit report or such a like. Proof of an agreement should be required, which shows a meeting of the minds to form a contract. None of these requirements have been met by PRA, and furthermore these requirements have been requested and PRA has had approximately one year to provide the requested information and PRA has failed to provide any documentation or a like of any agreements between myself and PRA, as such these two accounts should be removed from all credit reporting. PRA has failed to meet more than two requirements of the FCRA. I will continue to file a complaint every 30 days, and in doing so the law will force PRA to use and lose their assets to try and explain their lie. I do not owe PRA anything and PRA will never get anything from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
I began my refinance process in late XX/XX/2021. The actual process doesnt count until XX/XX/XXXX when I was cleared to proceed with the process and my rate was locked in. Ive responded to every email and submitted every deliverable in 48 hours or less. I had no real issues or delinquency of note. Today, XX/XX/2021 after 5 months of waiting I was scheduled to close. I had spoken with the Rep. and had emails confining the date and time. No one showed or called. They said that the date given was just an estimate. Ive been waiting and counting for this money and I dont know when Ill get it. Ive complained to Wells Fargo several times via email and telephone. Ive had my complaint escalated but no real resolution. They said it is because of the many people who are purchasing homes right now I dont think so. Im frustrated and Im angry. Ive been given the runaround by WF for too long. 120 days to complete a refinance. The process should only take 45 - 60 days. Im still waiting to close.

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 2021-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Titan Revenue Solutions
State: CA

Complaint narrative:
I had stopped payment on a check for a service that did not happen. ( No show ) since the banks wouldnt cash it the person cashed it at a store because I guess they dont check. I saw a mark on my credit, which is usually perfect. I called to find out what it was. The debt collection agency told me it was a check I wrote to someone else. They could only collect from me since the guy who cashed the check is a fraud. I was upset obviously but not talking foul. The debt collector said if I didnt speak to him in a nice tone he could do worst and keep this on my report even though he first said he would remove it. I honestly can not believe companies can hurt you this way based on their personal feelings. This isnt even my debt but I was forced to pay it or impact my credit and because I didnt say please and thank you he may do worse now as he suggested. I was forced to pay a debt Thay was not mine.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I requested a new credit card from capital one. Mailed out. Seems my mail has been stolen from the USPS system by a letter carrier at an XXXX. Charged at XXXX transportation at XXXX XXXX honore XXXX XXXX Il. XXXX XXXX is owned and operated by the below contact found by using sec of state here in Illinois and XXXX Name XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Phone number XXXX I live at XXXX XXXX XXXX XXXX XXXX ok XXXX which is 22 + miles away.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R.M. Galicia, Inc.
State: NJ

Complaint narrative:
I applied for a lease on a house. They ran a background check.Once I received a copy of my background check I realized there was a collection.The collection was from a Medical Bill .The hospital bill was from " XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX '' the company that filed the collection is " PROGRESSIVE MGMT SYSTE Originally : XXXX XXXX XXXX '' .I reached out to this company and explained to them that I have yet to ever visit the XXXX XXXX , let alone XXXX. Ive never even been to California. They proceeded to tell me that this is considered identity theft. I told them to remove it and I was then explained how to file this complaint and remove the collection off my credit..I have already filed a police Report in the state of Florida the city of XXXX XXXX XXXXXX/XX/2021 - Case Number # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
This is a simple problem and the document is the account itself. For 25 years we had a secure Savings account at BMO Harris, XXXX XXXX branch in which I also put my Social security. They always assured us that this was an account requiring two signatures as grand fathered in. All the statement from the Bank itself described the account as follows, this from XXXX XXXXand later assured the same they always checked two signatures on site. 

XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Two signatures required** We were assured always and also specified a single exit in s document that no money could leave this account but to XXXX XXXX XXXX only Yet To My shock this bank transferred {$70.00}, XXXX from this account to some Fraud Online without an Ok from neither of us and certainly no two signatures required. This was a fraud, and this money should never have been released given the fact that the account title itself said that " two signatures required ''. That's the bank error

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 2021-08-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I paid XXXX to XXXX XXXX, I didn't know they are based in XXXX. Part of the XXXX XXXX. They have a New York number that routes them to customer service in XXXX. My flight with XXXX XXXX was on the XXXX of XXXX XXXX departing from XXXX XXXX to XXXX arriving at XXXX XXXX. I was going to pick up the car at XXXX. Unfortunately I was moving that day and the movers took too long, i ended up arriving late for my flight and missed it. XXXX XXXX changed my flight for the next evening XX/XX/XXXX. I called economy bookings at ( XXXX ) XXXX, they didn't cancel my reservation after I requested them too since I missed my flight, I wasn't able to pick up my rental car. They actually hung up on me and didn't answer my subsequent phone calls. I then immediately called my credit card Capital One. They initiated a dispute, and weeks passed by I called and requested they add the disputed amount returned to my credit card. Last Monday Capital one charged back {$790.00}, I was infuriated, and at a loss for wards. They are not working with me and forcing me to pay for a rental car I never picked up. I am very unhappy with Capital One. I can't afford to pay this since a rented another rental car from XXXX for {$800.00}. I need help, please help me out.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF THE WEST
State: WA

Complaint narrative:
In XXXX someone opened an account at Bank of the West using my personal information. I did not open this account. I have had no knowledge of this account. I did not give anyone permission to use my personal information. The amount owing on this account is XXXX My Personal information was used to open a credit card account with XXXX XXXX in XXXX. The amount owing on that account is XXXX My personal information was used to obtain cable television service through XXXX XXXX in XXXX. The amount owing on that account is 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 2021-08-06 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: DISCOVER BANK
State: FL

Complaint narrative:
Please see attachment. This is the response that I received when I requested the Method of Verification for the fraudulent Discover Financial Services account. XXXX  is refusing to validate this debt. They are also updating the XXXX date each month which is also a direct violation of my FCRA consumer rights. I am hereby requesting for this fraudulent account to be removed from my account due to XXXX XXXX inability to validate the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SCA Collections, Inc.
State: NC

Complaint narrative:
XXXXXXXX XXXX claimed that they did not receive my health insurance information. However the hospital was XXXX XXXX XXXX in XXXX N.C. they preformed the procedure in question at their facility. XXXXXXXX XXXX  maintains staff at that location. The Hospital ( XXXX ) received my health insurance information but XXXX XXXX did not seek to receive the info from the actual facility it managed, even though they manage quite a few. Also I didn't receive written notice until it was already sent to collections. ( due to another legal issue I'm trying to seek arbitration on since whoever is involved is impersonating federal FBI agents, Lawyers, and various other business i seek out to contact, my phone and all internet connectivity is manipulated " hacked through the service provider ( s ) system via employee and company compliance with those organizations involved, may be related to this may not be ) but they had opportunity to extend the time period and even had opportunity to file it after receiving my health insurance information which I verified with XXXX XXXX XXXX XXXX. The collection agency doesn't even appear to have a license active for N.C. they are SCA Collections in XXXX N.C. they don't even have a mortgage license for their mortgage business side. My Identity may be compromised by this all happening as well. any and all hep would be greatly appreciated.

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 2021-08-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
There was a fraudulent charge on my Bank of America credit card ending XXXX in the amount of {$6500.00} at XXXX on XX/XX/XXXX. 

I departed the United States on XX/XX/XXXX, and returned to the country on XX/XX/XXXX. I talked with a fraud claim representative who confirmed there was a new card sent to me in XX/XX/XXXX. I didnt take the old card with me when I left the country, and I never received the new card in my mailbox since I was not even in the country. 

I filed a claim in XX/XX/XXXX and was denied in XX/XX/XXXX. I asked them to reopen the case shortly after it was denied but only got another denial in XX/XX/XXXX. It has been 8 months since this was initially reported, and I'm still paying the minimum monthly payment to keep my account in good standing.

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 2021-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Javitch, Block & Rathbone LLC
State: OH

Complaint narrative:
I set a payment plan with javick block on an acct I have and they take it amount not a medically eight month out of my checking acct I have tried and tried to contact them about the payments they take out I have called for times XX/XX/30 XXXX XXXX and XXXX I cant reach anyone I have set on hold 20-30 min I have left 3 messages for a return call XX/XX/30 XXXX XXXX and I leave my nAme number ss # and never hear back from anyone I just have questions about my payments I am trying to get a balance and a print out of my payments made for my records I never even received a letter showing my payment plan this is an issue because if they can take my money they should provide me the documentation I am asking for

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