vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-25 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: NY

Complaint narrative:
I obtained my Credit Report to the three big Credit Reporting agencies. I got a report back from Equifax, but there was erroneous information that I disputed. Equifax subsequently sent me an email at the end of XXXX with a Confirmation Number to obtain information about dispute on-line. Today XX/XX/2019, I tried several times to use the Equifax on-line system to obtain the information, but the system would not process my request. I therefore started an on-line chat with Equifax. Only after some dialogue with the on-line chat person, did the chat person disclose the telephone number needed to talk to someone at Equifax. I could not find the telephone number any where in the Equifax information. I called the telephone number and spoke to two different people. They asked me for identifying information like name and address, which is a reasonable request. However, they then started to ask me " computer generated '' questions to verify my identity such as the date I put a credit freeze on my credit report and the monthly payment on my credit card ( which, of course, varies from month to month ). When I protested the inane questions, Equifax refused to verify my identity and refused to send me the results of my dispute. They now tell me that I can only get the results of the dispute by writing a letter to Equifax. It seems to me that Equifax is setting up highly unreasonable obstacles to me getting the information that they are required by law to provide. Please pursue Equifax and get them to change to a more reasonable and consumer friendly system to provide the required information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 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: GA

Complaint narrative:
I disputed my credit report and I found the following items that are reporting incorrectly on my credit report. I was never late on the following items : XXXX XXXX : - 30 days late reporting on XXXX and XXXX - 60 days late reporting on XXXX XXXX XXXXXXXX XXXX - 30 days late reporting on ( Equifax, XXXX, and XXXX ) XXXX XXXX - 30 days late reporting on ( Equifax and XXXX ) XXXX - 30 days late reporting on ( Equifax, XXXX, and XXXX ) - 60 days late reporting on ( XXXX and Equifax )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-25 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: GA

Complaint narrative:
I disputed my credit report and I found the following items that are reporting incorrectly on my credit report. I was never late on the following items : XXXX XXXX : - 30 days late reporting on Experian and XXXX - 60 days late reporting on Experian GA XXXX XXXX - 30 days late reporting on ( XXXX, XXXX, and Experian ) XXXX XXXX - 30 days late reporting on ( XXXX and XXXX ) XXXX - 30 days late reporting on ( XXXX, XXXX, and Experian ) - 60 days late reporting on ( Experian and 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 non-monetary relief
Consumer complaint received 2019-03-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One did not respond to my request to provide competent evidence that bears my signature that I authorized them to review my credit repost nor did they provide proof they contacted me on the number listed on the extended Fraud Alert on my credit report.

Capital One claims an auto dealership gave them permission. There were three other financial institution that also checked my credit report at the same time. They have completed their investigation and concluded it was a " fraudulent inquiry. '' The other financial institutions and car dealership have taken steps to remove the inquiry from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX didnt inform me that they wouldnt be paying on my accounts until they got enough money to make settlements or i wouldn't have joined the program it caused my credit score to drop from the 700s to the 500s i deposited with them over {$5000.00} the only account the negotiated was XXXX XXXX from {$30000.00} to {$11000.00} and that was negated when i stop using the service .They keep all the money i payed into the account over {$5000.00} for their fees. I fought with them for months and ended up getting back around {$300.00}. If they had explained better how their company worked i would have never did their program and i would have continued to my payments on mine own. Thanks to them im out about {$10000.00} total and my credit score is now poor and in the low 500s.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: BMW Financial Services NA, LLC
State: FL

Complaint narrative:
On XX/XX/2019 my XXXX year old sister was diagnosed with XXXX in her XXXX. She had a XXXX on her XXXX   and was going to need XXXX XXXX. My sister had just recently XXXX from college as a XXXX XXXX so her medical insurance that her college was providing was no longer valid therefore we had to pay my sisters XXXX out of pocket. It was very hard for the month of XX/XX/XXXX because doctors could not guarantee she was going to make it out of XXXX and my sister got very XXXX and had very little urge to live which broke me and made me basically forget about everything at that time i was going through very difficult time trying to stay strong for my sister. I regret very much not making that payment but with all that was going on i did not even know what day of the month it was. Also my aunt which is the primary one on the account we had some family issues and im the one that pays for the vechile but her cell phone number is the one on the account so if XXXX XXXX tried to get in contact with me to make that payment they were calling her amd she never reached out to me due to family issues. That phone call from XXXX would have reminded me i recently changed the phone number on the account to mine. Im very responsible when it comes to my CREDIT and bills so please help me i was going through hard times its my only missed payment and its affected me a lot. I'm willing to pay off the account if i have to enable to remove the late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
XXXX XXXX has different balances being reported to each of the 3 credit bureaus. In addition, they also have a charged off ststus for this loan yet also report late payments every month since XX/XX/2012. I have made numerous attempts to disute this inaccuarate information as well as even offered to pay XXXX XXXX to delete it and they along with the credit bureaus refuse to help. It is scheduled to fal off my credit this year but they should remove soiner since the information being published is grossly inaccurate. An account can not be noth in a charged off status which is a loss to the company, as well as late payments. If the account is closed/charged off then late payments do not apply. If the account is open then it cant be charged off. They have been reporting this innaccurate information for over 6 years now and noone will help me to resolve this issue. In addition the balances are also inaccuarte and even differ between vcredit bureaus.

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 2019-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
XXXX XXXX has different balances being reported to each of the 3 credit bureaus. In addition, they also have a charged off ststus for this loan yet also report late payments every month since 2012. I have made numerous attempts to disute this inaccuarate information as well as even offered to pay XXXX XXXX to delete it and they along with the credit bureaus refuse to help. It is scheduled to fal off my credit this year but they should remove soiner since the information being published is grossly inaccurate. An account can not be noth in a charged off status which is a loss to the company, as well as late payments. If the account is closed/charged off then late payments do not apply. If the account is open then it cant be charged off. They have been reporting this innaccurate information for over 6 years now and noone will help me to resolve this issue. In addition the balances are also inaccuarte and even differ between vcredit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
XXXX XXXX has different balances being reported to each of the 3 credit bureaus. In addition, they also have a charged off ststus for this loan yet also report late payments every month since 2012. I have made numerous attempts to disute this inaccuarate information as well as even offered to pay XXXX XXXX to delete it and they along with the credit bureaus refuse to help. It is scheduled to fal off my credit this year but they should remove soiner since the information being published is grossly inaccurate. An account can not be noth in a charged off status which is a loss to the company, as well as late payments. If the account is closed/charged off then late payments do not apply. If the account is open then it cant be charged off. They have been reporting this innaccurate information for over 6 years now and noone will help me to resolve this issue. In addition the balances are also inaccuarte and even differ between vcredit bureaus.

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 2019-03-25 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
Bank Of America showed up on my credit report. Ive sent multiple letters asking someone with first hand knowledge to answer my questions I sent in. To date I have yet received the answered questions, that would prove that Bank Of America made a legal loan to myself while compiling with TRUTH AND LENDING ACT. Bank Of America has yet been able to produce any documents that show they loaned their own money in this alleged debt. I have been working for months to have them take their Tradeline off my 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 2019-03-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC.
State: MI

Complaint narrative:
I went to the emergency room at XXXX XXXX in XXXX, MI ( it may have been XXXX XXXX at that point in time ) sometime in XXXX. At the time, I had insurance and I paid my deductible on the spot. I was also told that there was an additional charge by the physician that treated me and I paid that on the spot as well. Sometime in XXXX, I started receiving calls from Wakefield Associates - reportedly a collection agency - about a debt that I " allegedly '' owed XXXX XXXX XXXX XXXX for an emergency room visit in XXXX. This was the first problem. I was never contacted by XXXX XXXX XXXX XXXX about this " alleged '' debt, it just somehow ended up in collections. I checked my credit report and I noticed that the collection was there. I immediately disputed the collection with the credit agency and they dropped it off my report. At that time - around XX/XX/XXXX - I called XXXX XXXX XXXX XXXX and they said that I owed {$140.00}. To avoid any further calls/conflict, I paid the {$140.00} on their website ( it gives you the website when you call them ), and yes, I have the receipt. Shortly thereafter, I let Wakefield Associates know that the debt was paid ( possibly twice ) and that needed to stop calling me and contact XXXX XXXX XXXX XXXX. The calls stopped. 

Fast forward to XX/XX/XXXX, I started receiving calls from Wakefield Associates about a debt in the amount of {$140.00} that I never paid to XXXX XXXX XXXX XXXX from services received in XXXX. This made me very angry because I was certain that I paid this bill at least once. I tracked down the receipt for this bill and immediately called both Wakefield Associates and XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX said that my balance with them is {$0.00}. Wakefield Associates said that the debt was still on file. This makes me think this is some sort of scam between these two companies or at the very least shoddy accounting practices at XXXX XXXX XXXX XXXX. Either way, I'm reporting both of these companies. You can also find other people online complaining about XXXX XXXX XXXX XXXX sending their debts ( which in most cases were paid ) to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Receivables Management Partners, LLC
State: IL

Complaint narrative:
I constantly am getting calls from Receivables Management Partners LLC after asking this debt collector to stop calling my phone. I have blocked their number from calling my phone and still receive voicemails. One time I called they told me " well you will have to deal with this on your credit '' and disconnected the call from me. Today I called and asked why are they still calling me leaving voicemails and they said " I am disconnecting the call ''. This is frustrating and it's harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: PR

Complaint narrative:
I have an account with Chase Bank in NY. 

In XXXX, two transfers were made through XXXX XXXX without my authorization. 

XX/XX/XXXX - XXXX $ XX/XX/XXXX - XXXX $ I didn't even know what XXXX XXXX was, until I saw these two transfers. The robber gained access into my bank and E-Mail accounts. I don't know how. He clearly hacked my computer, because Chase Bank says that the person who registered in XXXX, did so using my device and my E-Mail account. 

Chase Bank refuses to retrieve my money because of this reason, although I warned them about it on XX/XX/XXXX ( they claim they retrieve your money if you warn them in two days or less ). I closed my account right away and opened a new one on Tuesday ( XX/XX/XXXX ), because Monday was holiday. 

I also changed my E-Mail and formatted my computer. 

Chase Bank initially gave me my money back with temporary credits, but after finishing their investigation in early XXXX, they declined both my claims and took the money back, claiming it was me the one who made the transfers, because the robber used my E-Mail and my device. That's the same as claiming I robbed my own house, because the robber used my keys.

I complained about it, so they reviewed my claims. After one week, they concluded the same : it was me. So, they refuse to retrieve my money. 

I'm very frustrated. I searched about it on the Internet, and apparently it's not only me, but thousands of people getting robbed in the same way. I found many similar cases in XXXX. 

Chase Bank refuses to protect its clients, if robbed through XXXX XXXX. 

XXXX :  XXXX XXXX : XXXX XXXX : XXXX Scammers are robbing people en masse through XXXX, because it's so easy, and because Chase Bank refuses to do anything about it. 

I hope you can.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 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: GA

Complaint narrative:
The following account information is incorrect reporting that I was late on the following accounts : XXXX : I was never 30 days late ; incorrect late information is reporting on ( XXXX, Transunion, and XXXX XXXX XXXX : I was never 30 days late ; incorrect late information is reporting on ( XXXX, Transunion, and XXXX XXXX : I was never 30 days late ; incorrect late information is reporting on ( Transunion and XXXX ) I was never 60 days late ; incorrect late information is reporting on ( Transunion and XXXX ) ; XXXX 's : I was never 30, 60, or 90 days late on this account ; incorrect late information is reporting on ( XXXX, Transunion, and XXXX  ) ; XXXX : I was never 30, 60, 90, or 120 days late on this account ; incorrect late information is reporting on ( Transunion, and 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 2019-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
This Morning a process server called me from a Private number left a 48sec msg. Yawning and tiredXXXX XXXX. I will be served as a civil complaint Wednesday the XXXX and for more information reference XXXX and call XXXX. I called XXXX XXXX answered XXXX  and XXXX XXXX direct line XXXX.14min call about Wells Fargo account ending in XXXX. For {$830.00} with attorney fees was {$3100.00}. Account opened XX/XX/XXXX closed XX/XX/XXXX and I could settle for {$620.00}. The name is the name and not an acronym. 
I called Wells Fargo and the account dates do not match and the amount owed was {$400.00} and the are mailing me the last 3months of statements to confirm debt.

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 2019-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Conversation was started XX/XX/XXXX about an apartment ad. It went back and forth and a decision was made to move forward. A lease agreement was signed and I was asked to put down a deposit ( {$1000.00} XXXX and they would not accept anything but a wire transfer. It was sent from XXXX to Bank of America to the landlords account. After that I was harasses to send money amounts and payments outside the perimeters of the lease agreement that I signed and I refused and decided to exercise my right to a refund as stated by the lease I signed. I received lots of push back and avoidance of the issue. I had even received and invoice for the deposit but they still refused to refund me. Then they proceeded to no longer answer my calls or emails. I then contacted XXXX to reverse the transfer, who then contacted Bank of America. Bank of America said they could not reverse the transaction because they could not get a hold of the account owner. This is why I believed I was scammed. I have email and text records of the conversations, a signed copy of the lease and an invoice saying that I am entitled to my money and the account number the money was sent to is on the lease.

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