vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-19 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: FL

Complaint narrative:
I SAW NOT MY ACCOUNT WHICH YOU POSTED ON MY CREDIT, I DON'T KNOW WHERE DID YOU GET THIS ACCOUNT FROM. I HAVE NEVER DEAL WITH THIS COMPANY. MY WALLET WAS STOLEN, SO I THINK SOMEONE USED MU INFORMATION AND APPLIED FOR IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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: FL

Complaint narrative:
I sent letter to XXXX, XXXX, and TransUnion on XXXX XXXX  to request some information on my credit report be investigated. I did not receive a response in the 30 days allowed so I sent another letter on XXXX XXXX with the same request and also advising they have infringed on my rights as a consumer. I have not received a letter in response to any of my investigation requests therefore I sent a third letter on XXXX XXXX. Please help me to resolve this matter. Thank You

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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: FL

Complaint narrative:
I sent letter to XXXX, Equifax, and XXXX on XXXX XXXX to request some information on my credit report be investigated. I did not receive a response in the 30 days allowed so I sent another letter on XXXX XXXX with the same request and also advising they have infringed on my rights as a consumer. I have not received a letter in response to any of my investigation requests therefore I sent a third letter on XXXX XXXX. Please help me to resolve this matter. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Mystery 30 day late. I've always paid on time. They just keep saying their records say it was late. They offered to mail me a copy of the payment history, nothing about validity of same.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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: FL

Complaint narrative:
This account is not mine. I have called them numerous times to demand validation of the said account and get it closed because I do not want to mess up my credit, but they give me the runaround every time and have never received any validation. I have disputed this but had no resolutions. I was defrauded and scammed. The account was not to be opened and not to be reported. I have requested numerous times for the account to be closed. They specifically failed to validate a debt as I requested, which is a Fair Credit Billing Act violation. I am seeking a reasonable resolution to this situation. Their lack of response for mutual negotiation or the validation of this account, has not been completed. This account is to be updated as disputed or to be deleted from the credit reporting agencies due to the damage to my character during this account dispute. The company has willfully neglected my requests and have caused continual damage to my finances. They violated the Fair Credit Billing Act, and Fair Credit Reporting Act for the purpose of causing harm. The mental and physical health is under attack by the stress of this companies ' actions. They harass me and my family by threatening statements and constant calls. This is a scam & I was defrauded, I demand this to be thoroughly investigated promptly. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. This inaccurate account is being reported in my credit records and is hurting my financial stability.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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: FL

Complaint narrative:
This account is not mine. I have called them numerous times to demand validation of the said account and get it closed because I do not want to mess up my credit, but they give me the runaround every time and have never received any validation. I have disputed this but had no resolutions. I was defrauded and scammed. The account was not to be opened and not to be reported. I have requested numerous times for the account to be closed. They specifically failed to validate a debt as I requested, which is a Fair Credit Billing Act violation. I am seeking a reasonable resolution to this situation. Their lack of response for mutual negotiation or the validation of this account, has not been completed. This account is to be updated as disputed or to be deleted from the credit reporting agencies due to the damage to my character during this account dispute. The company has willfully neglected my requests and have caused continual damage to my finances. They violated the Fair Credit Billing Act, and Fair Credit Reporting Act for the purpose of causing harm. The mental and physical health is under attack by the stress of this companies ' actions. They harass me and my family by threatening statements and constant calls. This is a scam & I was defrauded, I demand this to be thoroughly investigated promptly. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. This inaccurate account is being reported in my credit records and is hurting my financial stability.

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 2021-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pacific Retrieval LLC
State: CA

Complaint narrative:
Pacific retrieval is trying to collect a debt that I do not owe. I sold a car to XXXX XXXX, the buyer. XXXX had crashed the night he bought the car. 

He promised he had insurance and that was a lie. I was asked to send an email so that he may register but didn't follow through with registering it. He didn't register the car nor pulled the car out of tow yard - as promised. 

Even though I properly filed Release Of Liability with the DMV I am being charged for the tow fees. I have the DMV form, text messages, emails and XXXX transfer to prove the car was sold the night before ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Grain Technology, Inc.
State: NC

Complaint narrative:
Grain is set up to automatically draft out the payment when its due. Because it was going through a new integration due to it merging with another company it did not do it on time. It said it would post on Monday XXXX but the payment was set up on XX/XX/28. The payment was automatic, set up in advance, and now is showing a late on my credit report due to some technical glitch within their system. I have reached out to them several times with no response. The payment was made, my account is at {$2.00} with them yet they are still reporting it as late due to their own technical difficulties.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-19 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Bluebird sent a email on XXXX XXXX  and sent this : Hi, XXXX XXXX, During a recent review of your Account, we noticed activity that was in violation of the Bluebird Member Agreement, section : 22D Due to the violation your Account has been locked and your Account privileges have been suspended. 
If you have any questions, please call Account Protection Services at XXXX. 
Thanks, The Bluebird Team NO FINDS NOR ANY REASON AT ALL!!!!!!!!!!!!!!!!!!!!!!! this is a XXXX hole card company and i have lost thousand of US DOLLARS!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 
The card company has taken over {$2000.00} of my money in the last year!!!! 
Bluebird has a pattern of holding customer funds well beyond the prescribed period. When you call in to express your concerns, the agents become overly aggressive, overtalk the customer and speak in the most condescending manner imaginable. 

Also See from XXXX XXXX today XXXX Hi, XXXX XXXX XXXX Recently you inquired about your charge ( s ) from your Bluebird Prepaid Debit Account in the total amount of {$750.00}. Based upon our investigation we have determined that no error occurred and that transaction ( s ) in question was authorized. Therefore the transaction ( s ) is not eligible for credit to your Account.

You have the right to review any documents we relied upon in making our determination.

You may request this information by writing to us at the following address : Bluebird Customer Care XXXX XXXX XXXX XXXX, GA XXXX Thanks, The Bluebird Team Bluebird appropriate information to input and I called over and over and over and can I never!!!!!!!!!!!!!!!!! get through to a real person for that reason it's frustrating because I have money on my account and I can't use it reason over {$5000.00}!!!!!!!!!!!!!!! 
appropriate information to input and I called over and over and over and can I get through to a real person for that reason it's frustrating because I have money on my account and I can't use it reason ... THEY HAVE BIG BALLS AND STEAL! 

even the customer service department the customer service in XXXX XXXX XXXX does absolutely nothing you call their extensions they give you circles did not even listen to your concerns that is one very complete corrupt company and they all deserve federal prison time and sent away forever they're corrupt as all get out!!!!!!!!!!!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Today XX/XX/XXXX  I received a text message stating : Your Order at XXXX  Processed. Product : XXXX OrderID : XXXX Amount:XXXX USD If you haven't Place this order Immediately Call our SupportXXXX I called this number and the girl said it was a charge in XXXX for my credit card ending in XXXX. Well that XXXX  of mine was compromised so I took her there would not be any charges as it does not exist. She wanted me to change my XXXXXXXX XXXX password. 
I hung up and called XXXX XXXX and they agreed it was a fraud. Hopefully you can do something about this.

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 2021-10-19 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: TX

Complaint narrative:
In XXXX of XXXX I found a charge on my Bank of America Credit Card that I did not recognize. I disputed this charge and went back and forth with the bank many times as I had no recognition of the charge and I sparsely used my Credit Card from them for any purchases. On XX/XX/XXXX after many phone calls and having BOA researching the issue they concluded that I should be issued a refund in the full amount of {$150.00} along with {$30.00} they charged me in late fees. {$150.00} was the unknown charge. BOA temporarily credited my account then a month and a half later mysteriously reversed it without my knowledge or consent. They continued to charge me late fees on a charge I did not make. After I spoke to someone in XXXX of XXXX they said they were needing another 90 days to make an assessment without proving any more details. I had to call BOA twice a month from XX/XX/XXXX all the way to XXXX of XXXX. On XX/XX/XXXX of XXXX they closed my account but days prior I spoke to them multiple times, XXXX XX/XX/XXXX and they told me they should be issuing me a refund and correcting all the false late charges on my credit report. I have all my conversations with them recording on audio stating that they would correct my false late fees with the credit bureau 's and refund my money owed plus all the late fee 's they had " conveniently '' been charging me for an INTIAL charge I did not make. 

Not only did Bank of America not rectify the issue. They lingered over the standard 60, or even 90 days to research and Identify the issue. It has now been almost a year, and not only have they done nothing to correct it but have reported me late for 6 months for not paying a charge I do not owe and have damaged my perfect credit by defamation which is not at all true.

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 2021-10-19 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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On XX/XX/2021, I received alerts from several credit report monitoring sites/apps informing me of a hard inquiry on my XXXX report by Wells Fargo Bank NA . I did not apply or otherwise authorize an inquiry from Wells Fargo today. 

I contacted Wells Fargo via the phone number listed on the inquiry and explained the issue. I was told that all they could do is fill out a credit card dispute form, which would take two weeks to a month to investigate. They would also not provide any reference/case/confirmation number for this dispute form. 

They also told me to dispute it with XXXX directly, which I attempted to do, but was told by XXXX that I needed to contact Wells Fargo themselves. Each party is passing-the-buck. 

Im in the process of shopping for a home and will be applying for a mortgage. I dont have a month for Wells Fargo to investigate a non-existent credit card dispute.

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 2021-10-19 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: LJ Ross Associates
State: MD

Complaint narrative:
My name is XXXX XXXX and I have an issue with LJ Ross Associates, XXXX collecting, buying, and selling my private information. They have been placed on my consumer report which lets me know that they have bought AND obtained my personal and private information without my written consent pursuant to 15 USC 1692c ( b ). No consent is identity theft which is in fact punishable by law pursuant to 18 USC 1028A. This also falls under extortion. Title 18 section 891 ( 6 ) of the United States Code clearly states that " An extortionate extension of credit is any extension of credit with respect to which it is the understanding of the creditor and the debtor at the time it is made that delay in making repayment or failure to make repayment could result in the use of violence or other criminal means to cause harm to the person, reputation, or property of any person. '' Obviously my CREDIT card, which is my social security card pursuant to 15 USC 1602 ( l ), was used and shared in this process. An extortionate means is ANY means which involves the use, or an express or implicit threat of use, of violence or other criminal means to cause harm to the person, REPUTATION, or property of any person. If I am not mistaken, my consumer report is apart of my reputation. So LJ Ross Associates are taking and using my private information and I did not authorize anything! Pursuant to 18 USC 1028, ANYONE who possesses, transfers, traffics, uses, or produces, without LAWFUL authority, any identification document shall be punished. Federal law also states that whoever knowingly participates in ANY way in the use of ANY extortionate means shall be fined and/or imprisoned not more than 20 years. These are public federal laws and there is no excuse for any debt collector to not know and understand them.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
On XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX transferred {$43000.00} to Chase Bank in Florida out of our account.. We were purchasing a XXXX XXXX XXXX XXXX XXXX XXXX. The motorhome did not arrive a scheduled. Called the XXXX XXXX XXXX XXXXXXXX on the the XXXX of XXXX to let them know. They contacted Chase Bank and they put a hold on the money. After several weeks of back and forth with our bank and XXXX they were not given much information at all. This has been going on for months. XXXX XXXX does not communicate with the Freud department at our bank at all. We found out 3 months ago that XXXX XXXX  had now moved it to asset recovery. XXXX XXXX XXXX XXXX is unable to talk to anyone in that department to see what the hold up is. They have emailed consistently but do not get a response back that way either. The deputy that took our report has called and talk to the bank as well to let them know he has an open case on this. We still do not have or money back. Can you help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I contacted Capital One about an account ending in XXXX that did not belong to me but is reporting on my credit file. I was advised by the representative that the account would be removed from my credit report on XX/XX/15 when they did the reporting to the credit agencies. This account has not been removed from my credit report and it is impacting my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I received a notice that I allegedly owe {$1000.00} in credit card debt to Navy Federal Credit Union. I messaged the company stating that I am the original creditor and will and do not own any alleged debt. I told the company I will not pay towards a positive balance they claim I owe. The company responded that my account will be closing on XX/XX/XXXX as a result of monthly XXXX soft inquiries and that I " no longer meet the requirements '' to keep my account open due to the inquiries from XXXX. I have not provided Navy federal with any written or verbal permission to share information with anyone pertaining to any of my information. According to XXXX, XXXX, XXXX, and XXXX, Navy Federal Credit Union has shared my personal information will all of them. The debt is not validated. 

The company has violated my consumer rights pursuant to 15 USC 1692c ( a ), I have not given the company to communicate with me in connection with any debt. Pursuant to 15 USC 1692c ( b ) the company violated my consumer right by communicating with XXXX, XXXX, XXXX, and has communicated with XXXX on a month basis since the account was opened in XXXX. The company has used criminal means to harm my reputation as a consumer pursuant to 15 USC 1692d ( 1 ). The company uses a false and misleading amount, the alleged debt is in a positive amount pursuant to 15 USC 1692e ( 2 ) ( A ). How can someone owe in a positive amount? The company is in violation of collecting any amount unless permitted by law pursuant to 15 USC 1692f ( 1 ). Pursuant to 15 USC 1692g ( c ) the failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: HW Holding, Inc
State: CA

Complaint narrative:
Hunter warfiled has erroneously reported a collection for {$4800.00} on my credit report from supposedly an apartment complex which is NOT legit and original creditor could NOT validate or justify the charges thus released of all liability due to breath of their power. However Hunter warfield has continued to report and aggressively trying to collect on this erroneous collection threatening levy, arrest and ceasure of assets...

Company response to consumer: Closed with explanation