vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: DISCOVER BANK
State: IN

Complaint narrative:
I requested international wire transfer of {$30000.00} on XX/XX/2021 with Discover bank but the bank has wired the money into a wrong account and has not been able to retrieve or provide update on the recall status to date except telling me to wait and " I am not able to give you any information at this time. Call us back on XX/XX/XXXX if you don't see the money credited back to your account '' by the bank manager. The bank has not taken appropriate professional responsibility or discussed with me about any plan and refused to discuss a follow up plan with me. I have called Discover bank daily, discussed the status with the associate whom has been on the case, and followed up or provided the information from the beneficiary bank as the associate at Discover bank requested but, to date, Discover bank has not been able to officially provide me any update or status of where the money is and when the money will be credited back to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-03 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: Designed Receivable Solutions, Inc.
State: AL

Complaint narrative:
I've disputed through the credit bureaus and sent the company several letters requesting their legal authority to collect the debt, a direct contract between me and the company with my signature, and an agreement to the assignment of the debt. All my request have been ignored. I've even called to get information and it's getting me nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 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: AL

Complaint narrative:
I've disputed through the credit bureaus and sent the company several letters requesting their legal authority to collect the debt, a direct contract between me and the company with my signature, and an agreement to the assignment of the debt. All my request have been ignored. I've even called to get information and it's getting me nowhere.

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 2022-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
In XXXX of 2021 I opened a business account with Chase. I never received my card in the mail, multiple people in my home, myself included got really sick and I was dealing with way too much associated with covid. I lost both my aunt and my grandmother. I realized in XXXX that I never got my card. I called chase and spoke with a representative and advised her what happened. She indicated that where were no charges on my account she is going to close that card and fed ex me a new one. She did as she said and I received my card in 2 days. I used it for 2 days before I got declined. I opened the account with about {$7500.00} there is no way that it could have been declined. I called chase and was told I am in collection! I kept receiving multiple calls and when I tried to rectify it, I was told there was nothing that could be done! I only had 30 days to report the incident and because I did not, I am not eligible to report it! I lost {$7500.00} that is truly ridiculous and unfair! I reported it to the consumer financ4e in XXXX and a representative4 from Chase called me and said they would start an investigation and call me back. I haven't received a call and have been calling them since! Please help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 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: FL

Complaint narrative:
On XX/XX/XXXX XXXX XXXX pulled my credit without my consent. 
On XX/XX/XXXX XXXX pulled my credit without my consent. 
On XX/XX/XXXX XXXX pulled my credit without my consent. 
On XX/XX/XXXX XXXX XXXX pulled my credit without my consent. 
On XX/XX/XXXX XXXX pulled my credit without my consent. 
I have tried to resolve this matter with the bureau and the companies, but was not successful.

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 2022-01-03 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: CA

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against 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 non-monetary relief
Consumer complaint received 2022-01-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Account info Account name XXXX XXXX  Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$12.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$12000.00} Balance updated XX/XX/XXXX Account info Account name XXXX XXXX  XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Open. 
Status updated XXXX XXXX Balance {$530.00} Balance updated XX/XX/XXXX XXXX  XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. {$1.00}, XXXX written off. 
Status updated XX/XX/XXXX Balance Account info Account name XXXX XXXX XXXX  Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$4.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$4700.00} Balance updated XX/XX/XXXX Account info Account name XXXX XXXX Account number XXXX Account type Note Loan Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. {$3.00}, XXXX written off. 
Status updated XX/XX/XXXX Account info Account name XXXX XXXX Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Closed. 
Status updated XXXX XXXX XXXX {$0.00} XXXX updated XX/XX/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 2022-01-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CarMax, Inc.
State: IL

Complaint narrative:
I paid off a debt for a car from carmax. Recently I noticed that my credit report was being attacked an charged for the same debt that I already paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
1- I had already submitted a complaint, as the collector has been harassing me for a debt that I do not owe.

2- The company- Credence- harassed me with repetitive phone calls in XXXX as well. Calls on XX/XX/XXXX at XXXX, XX/XX/XXXX at XXXX, twice on XX/XX/XXXX at XXXX and another right after that I answered and hung up after it was confirmed that it was Credence collections again, to which I had to block just to sleep through the night. They have again started calling me at early hours for the last two weeks. 
3- In my first complaint, I state that the debt they are trying to collect was a mistake confirmed by the company that sold them the debt. The company XXXX XXXX XXXX XXXX, lost a router in the mail during peak quarantine, to which they later found and confirmed they had found it. They still sent the amount for that router to collections and still havent resolved the issue. This is still the root issue. 
4- this is been going on for TWO years. When will this end? I am not at fault and I dont owe any debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I've reached out to Equifax for the last several weeks and was unable to reach anyone that can help me. Equifax has continued to restrict my ability to dispute inaccurate information online. When I call in I get transferred around and have gotten no service and only offered a call back which never happens. Then the agent says I can only speak to OCA in XXXX only which is never available and never returns calls. Im so fed up with Equifax 's discrimination of my credit file and how I'm continually being mishandled by Equifax and its employees. 

I was trying to reach out about a fraudulent account and inquiries listed on my credit file. The following account is a result of my Identity being stolen from and having my information included in data breaches : 1. XXXX  XXXX ( account ending in XXXX ) Fraudulent Inquiries : 1 XXXX XXXX XX/XX/2020 2XXXX / XXXX XXXX XX/XX/2020 3. XXXX XXXX XXXX XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
The auto sys is unbearable. The XXXX dont do anything & put you back into the sys. They take personal info over & over but no results. Card is lost. No way to close. They have a fidutiary responsibility. I would have just requested new card but based upon how bad the service is, should there be an emergency i wouldnt trust trust them & i want it closed.

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 2022-01-03 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: MD

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings
State: IL

Complaint narrative:
I was charged for a loan i never applied for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I went to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX located at XXXX XXXX XXXX XXXX Texas XXXX at approximately XXXX on XX/XX/XXXX. I went in into the lab with a list from my doctor for tests to be performed. I paid in advance for the tests ordered because I do not have insurance and am on a budget. I paid for the ordered tests and had them performed. Then I received ( XX/XX/XXXX ) a bill for additional testing. I called the company and told them it was a mistake and that I had paid for all of the tests ordered in the office before they were done. XXXX then told me that the tests were " for my health because I really didn't know any better and they were just looking out for me and I should just pay it ''. I then asked for a manager and they said someone would reach out to me soon. I received no call back about the matter and received another invoice XX/XX/XXXX. Again I called and told them the situation, but this time when I asked for a manager I was told that there were none and that they could do any additional testing they felt necessary due to the results of my current labs. They wanted to " look more deeply into my issues for the sake of my health and I needed to contact my physician for the details ''. I called my physician and she had no idea why they would do extra testing. She only needed the ones she ordered. I got another invoice XX/XX/XXXX so I called back and demanded a manager, I was transferred after a two hour wait to someone who said they were in management but would not give me their name. She told me then that they could legally do any test that they wanted and I would be liable for the charges regardless. She also said on my receipt that it states that additional testing might be required and that was my notice. I told her I did not consent to additional test for my health and I am in a perfect state of mind to ok any additional tests. I paid for my tests ordered in office before they were done and that was that. She then informed me that she would send it automatically to my collections. I recently received an invoice from Credit Collection Services and have mailed them a dispute.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have an issue with XXXX, XXXX, and TransUnion. I have sent multiple letters to which none of them have replied. The only thing they've done is reinsert information that was deleted from my credit report, in which none of them have sent me reinsertion letters and this is a violation of the Fair Credit Reporting Act. After numerous attempts I am filing this complaint because it is beyond me how someone can just ignore you and there is incorrect information being reported on my credit report. Per the Fair Credit Reporting Act all information across all three credit bureaus must be identical, however, neither of these credit reporting agencies are reporting anything the same which is a violation of my rights as a consumer. I ask that all incorrect information be removed from my credit report immediately, or I will have to handle this situation in my best interest.

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 2022-01-03 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have an issue with XXXX, Experian, and XXXX. I have sent multiple letters to which none of them have replied. The only thing they've done is reinsert information that was deleted from my credit report, in which none of them have sent me reinsertion letters and this is a violation of the Fair Credit Reporting Act. After numerous attempts I am filing this complaint because it is beyond me how someone can just ignore you and there is incorrect information being reported on my credit report. Per the Fair Credit Reporting Act all information across all three credit bureaus must be identical, however, neither of these credit reporting agencies are reporting anything the same which is a violation of my rights as a consumer. I ask that all incorrect information be removed from my credit report immediately, or I will have to handle this situation in my best interest.

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 2022-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

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 2022-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
Business Name : XXXX XXXX XXXX XXXX XXXX Name : Fifth Third BankXXXX XXXX Ohio ( Owns the bank ) On XX/XX/2021 I called and spoke with Representative # XXXX and told her I wanted to cancel my debit card. She asked had I been defrauded and I responded no. She said she would not cancel the card. I informed her that I am the owner of this company and this card, I do not want this card used anymore, All prior authorization has been revoked and therefore are no longer authorized to use this debit card and I want the card cancelled immediately. She said she cancelled the card and was sending the new card as requested. I agreed to pay {$30.00} to overnight the card so that I would have one for my account asap. I received the card the next day as agreed and immediately filed the card in a safe location and never used the card to date. 

Today, I noticed a transaction on my checking account that was charged to the new card I never used. I checked mu account with the creditor and the old card number was on file, not the new one. 

I called Fifth Third and spoke with XXXX, a manager in business customer service. She explained Representative # XXXX did not cancel the card as instructed. She replaced the card and transactions would go through with the old card number. 

I am sending this complaint to you because Fifth Third has a history of unethical practices and routinely ignores the authority of the account owner and does at it pleases. The original representative # XXXX clearly did not want to cancel my credit card as instructed. Her personal preferences were used to control by account and my money. This is unacceptable and should not be tolerated. 

While XXXX apologized, refunded my {$30.00}, has cancelled the new card and is sending another, this does not excuse the fact representative # XXXX acted inappropriately, she failed to tell me what she specifically did to my debit card therefore her actions were fraudulent.

Company response to consumer: Closed with explanation