vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-11 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: OK

Complaint narrative:
I monitor my credit reports through my XXXX XXXX card which provides me my credit score, and XXXX XXXX. 

I was notified that a new account from XXXX XXXX XXXX XXXX XXXX  XXXX via email from XXXX XXXX on XX/XX/XXXX. I didn't recognize the account, an initially thought it could be related to my new XXXX XXXX account which I opened just a couple of weeks earlier and had yet to appear on my XXXX report. 

However upon looking up XXXX XXXX - XXXX XXXX  on XXXX, I found that it was most likely a credit card from the company XXXX. I didn't understand what this was, I do not do business with XXXX or own any of their products. It was also a very low limit card ( {$1000.00} ) which didn't make sense to me because I have over {$10000.00} in credit limit through XXXX XXXX and XXXX. 

I filed a dispute with XXXX and later with Equifax regarding this account, and put a fraud hold on my credit score to stop new accounts from being opened. I don't have an identity theft service like XXXX so I don't know what to do other than dispute the information with the credit reporting agencies and hope new accounts aren't opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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: PA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have reached out to Equifax Credit Bureau last XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. THE FOLLOWING ACCOUNTS ARE STILL FOUND AND NEED TO BE REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX  XXXX Balance : {$3000.00} XXXX XXXX XXXX : {$2000.00} XXXX  XXXX XXXX Balance : {$21000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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: IL

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. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days 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 be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person. 
Edited

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Wells Fargo Bank responded to my complaint on XX/XX/2021. The banks response does not resolve the scam issue. 
The bank states that $ XXXX was credited to my new checking account on XX/XX/2021. However, the ( scam ) transfer was posted on XX/XX/2021 from my new checking account. The transfer description indicates the funds are transferred to me via XXXX!!!! 

This indicates two things. First, this is proof that someone hacked into my checking account to make it appear as though I transferred funds via XXXX to myself ( I followed a Wells Fargo representative impostor directions on XX/XX/2021 ). How do I transfer funds via XXXX to myself ( the funds were removed from my checking account )? Second, if the transaction description indicates the funds were transferred to my, WHERE DID IT GO? 

WHY DOES THE TRANSACTION DESCRIPTION INDICATE THE FUNDS WERE TRANSFERRED TO ME??? I DONT HAVE AN ACCOUNT WITH XXXX XXXX!! 

GIVE ME ALL OF MY MONEY BACK NOW!

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 2021-11-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SIMM Associates, Inc.
State: TX

Complaint narrative:
In XX/XX/XXXX I was diagnosed with XXXX XXXX and prescribed a XXXX machine. Doctor directed me to XXXX XXXX and XXXX XXXX who fit me with a CPAP machine and supplies. At that time, I had XXXX XXXX through my employer, but three months later in XX/XX/XXXX, my employer changed insurance companies to XXXX. Under XXXX guidelines, I would own the machine after 10 monthly payments. XXXX paid two months of payments before I was enrolled with XXXX. Under XXXX guidelines, however, I would own the XXXX machine after only SIX monthly payments, and the two payments made by XXXX would be counted towards those six months if XXXX requested what is called a " transition ''. XXXX did NOT request a transition, but instead billed me directly. I paid XXXX 's third party billing company, XXXX, {$190.00} on XX/XX/XXXX representing two months CPAP rental, and XXXX {$220.00} on XX/XX/XXXX for two months CPAP rental and CPAP supplies. With those payments AND the two payments XXXX already paid, my full six months should have been paid off the XXXX machine had XXXX requested a transition. Not my fault that they did not. 

I have tried to resolve my balance with XXXX since XXXX of XXXX. When phone calls didn't work, I escalated the matter to a manager via e-mail but he eventually stopped responding. I received multiple collection calls and each time I told them to stop. I eventually got the name and address for the Agent for Service of Process for XXXX on the XXXX  Secretary of State website and sent him a letter disputing the debt -- again with absolutely NO RESPONSE. NOW, I just received a bill from a DEBT COLLECTOR for three months of rental at {$68.00} a month for a total of {$200.00}. I called the debt collector today and once again disputed the debt, but I don't believe that will stop this madness.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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 — Problem with personal statement of dispute
Company: Synovus Bank
State: CA

Complaint narrative:
I wanted to re establish my credit and got this pre paid card. 
I did not like the way they work and cancel 2 months after, they issue a late payment which it was a mistake, I did provide all information they requested and still they haven't removed a 30 day late payment ( past Duer ) they put on my credit history. 
it doest make any sense since that account had {$200.00} positive balance for me. 

I called and email several times. 
everytime they answered was that they need to close each cycle to fix it but they never fixed..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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: Navient Solutions, LLC.
State: IL

Complaint narrative:
My complaint is regarding refusal to remove from my consumer reports closed accounts that originally reported years XXXX & XXXX, based on the Higher Education Act, that was amended XX/XX/XXXX. Ive contacted the loan furnisher Navient as well as the individual credit bureaus without resolution. 

XX/XX/XXXX the Law changed with regards to retention also known as Duration of Authority, in which the timeframe a consumer reporting agency and loan furnisher have to report accounts., The Higher Education Act of XXXX, amended XX/XX/XXXX, Section 430A ( f ) states Duration of Authority - a consumer reporting agency ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ) may make a report containing information received from the eligible lender ( Navient ), regarding the status of a borrowers DEFAULTED account on a loan guaranteed under this part UNTIL 7 YEARS FROM THE DATE THE ELIGIBLE LENDER ( NAVIENT ) FIRST REPORTED THE ACCOUNT to the consumer reporting agency ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ). The link to the United States Federal Governments website with regards to the Higher Education Act of XXXX is listed below. Read Section 430A Duration Of Authority, and please remove and/or give authorization to remove the 5 closed student loan accounts. Ive also attached a copy of what the amended law states. 


XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I did not authorize this inquires, ive been trying to improve my credit for the last 3 years and NEVER applied for any credit or inquire.

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 2021-11-11 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: IL

Complaint narrative:
My complaint is regarding refusal to remove from my consumer reports closed accounts that originally reported years XXXX & XXXX, based on the Higher Education Act, that was amended XX/XX/XXXX. Ive contacted the loan furnisher XXXX as well as the individual credit bureaus without resolution. 

XX/XX/XXXX the Law changed with regards to retention also known as Duration of Authority, in which the timeframe a consumer reporting agency and loan furnisher have to report accounts., The Higher Education Act of XXXX, amended XX/XX/XXXX, Section 430A ( f ) states Duration of Authority - a consumer reporting agency ( XXXX XXXX XXXX, Transunion XXXX XXXX XXXX ) may make a report containing information received from the eligible lender ( XXXX  ), regarding the status of a borrowers DEFAULTED account on a loan guaranteed under this part UNTIL 7 YEARS FROM THE DATE THE ELIGIBLE LENDER ( XXXX  ) FIRST REPORTED THE ACCOUNT to the consumer reporting agency ( XXXX XXXX XXXX, Transunion XXXX XXXX XXXX ). The link to the United States Federal Governments website with regards to the Higher Education Act of XXXX is listed below. Read Section 430A Duration Of Authority, and please remove and/or give authorization to remove the 5 closed student loan accounts. Ive also attached a copy of what the amended law states. 


XXXX XXXX  XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: FL

Complaint narrative:
On XX/XX/2021 I deposited XXXX in my account using PNC ATM booth. When I got the printed receipts which I saw my balance is lower than my expectation. At once I log in my account in saw many unauthorized charge in my account ; in the name of XXXX XXXX and international fees. I called the Bank and complained and requested to stop any such payments. I have XXXX credit card bills. I deposited money to pay my credit card bill. On XX/XX/2021 I paid XXXX for credit card bill. PNC bank paid my bill. Next day I saw PNC bank make overdraft {$8900.00} and paid again those unauthorized payments though I requested to stop such payment. When I complained about overdraft PNC Bank reversed my credit card bill payment and adjusted overdraft. I tried to talk with with PNC Manager level but no one is available. I met with local branch Manager who also filled a complain. I got the letter from the PNC bank explained that all the charges are correct though I do not have any idea about those charges. I believe PNC bank failed to protect the customer interest. I am a small depositor. How PNC made overdraft in my account? I am very very frustrated with PNC and do not know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SIMM Associates, Inc.
State: OH

Complaint narrative:
I have contacted XXXX and they have said there is no such bill outstanding due them.From my account. I have since closed my account. 


First notice for collection was recieved on XXXX from : XXXX XXXX XXXX XXXX XXXX 
Phone No. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. 
The notice said I owed {$120.00}. 


The second notice I recieved was from a different place. This notice said same amount {$120.00}. 
SiMM Associates , INC . 
XXXX XXXX XXXX XXXX 
XXXX, DE XXXX phone no. XXXX When I called it went straight to music. 

My name is XXXX XXXX XXXX XXXX phone no. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Throughout the year of 2021, approximately {$44.00} have been withdrawn from my personal bank account and deposited into an HSA account via XXXX XXXX- a division of Webster Bank on a biweekly basis for the purposes of covering my medical expenses. Since the beginning of the year - almost monthly or every other month, I've attempted to use the debit card supposedly holding the funds to pay for what is CLEARLY APPROVED MEDICAL EXPENSES and the card has been denied each time. I currently have a medical bill for over XXXX XXXX dollars on its way to the credit bureau if it has'nt arrived there already. I've spent several hundred dollars of funds that I have set aside for personal expenses to cover medical costs such as prescriptions, feminine hygiene products, and even urgent care facility visits. Meanwhile, my so-called HSA account has over {$1600.00} of money that I earned that I can not access or use. 

I'm extremely excited about the cryptocurrency era rapidly approaching and hopefully taking over. I'm even more excited that companies with an emphasis on actual customer service and customer satisfaction like XXXX are considering providing health insurance. 

This is just unfair and unreal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The attachment is a NOTICE OF FAULT AND OPPORTUNITY TO CURE letter sent to Transunion. They have 10 days to respond.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

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 2021-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX at XXXX I called Bank of America 's fraud department to report an online account take over and regain access to my accounts. They directed me into the physical branch closest to meat Bank of America 's XXXX XXXX XXXX XXXX XXXX branch in XXXX XXXX CA to verify my identity before further action could be taken. I brought verifying documents into the branch at around XXXX, regained access to my online account around XXXX, reviewed activity & filed 2 claims : Credit fraud - 3 unauthorized XXXX  transactions on credit cards totaling {$480.00}. I contacted XXXX, and those transactions were refunded on XX/XX/XXXX. 
Check fraud - 2 " cashed check '' teller transactions in XXXX CA, totaling {$5700.00}, which bank of america has not resolved. 

I froze all compromised accounts and was told I would receive further instructions on documents to submit etc, for the investigation. 

It has been 15+ business days since the claim was filed with no communication or action regarding the checking fraud investigation with Bank of America . I've called numerous times requesting information & that the funds be credited to my account. Bank of America refused to provide a timeline for crediting my account with the stolen funds and I have not received any physical mail with further instruction on the investigation. 

On XX/XX/XXXX when the theft occurred, I was physically in a XXXX XXXX CA Bank of America with extensive documentation verifying my identity, while simultaneously funds were being stolen, in-person, from a Bank of America branch in XXXX CA XXXX Unless Bank of America believes I'm magic and can physically be in two places at once, they have no reasonable grounds to withhold funds.

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 monetary relief
Consumer complaint received 2021-11-11 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: TX

Complaint narrative:
I have the following problems that need to be investigated, unauthorized inquiries, previous addresses and employers that are not mine and late payments and charge off accounts that are not correct, a letter is enclosed that explains everything

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VI

Complaint narrative:
I am a combat XXXXXXXX ( XXXX XXXX ) veteran who is trying to fix my credit report so I can get a loan. Equifax continues to report erroneous and incorrect information. I called them several times after trying to file a dispute online. The online site is not uploading supporting documents, I am getting an error every time. Also, I asked them to fix my name with the correct information, my name is XXXX XXXX . I have been married for 15 years and they had just my maiden name listed. The correction is also incorrect, my name is now XXXX XXXX. My name is hyphenated, not slashed, how can you all allow these people to treat our nation 's veterans in such a manner? today is XXXX XXXX and I am very much stressed trying to fix these issues. For months I am trying to get my credit straight to no avail. I am going to write a letter to congress, something drastic has to be done to protect our rights as veterans and citizens. 
Everyone is using Covid as the trump card, we have to remain focused and do our jobs. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Control, LLC
State: NJ

Complaint narrative:
We have a message from credit control LLC this is a call from a debt collector please call XXXX I have received repeated calls from this unscrupulous company. I know what my debt is and I dont owe anyone any money.

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 2021-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
chase bank closed my account and return on check on XX/XX/2020 which caused y XXXX XXXX  account to be closed and caused my credit score to drop significantly the check was returned because for what reason i dont know but the funds where avaiable and didnt explain why the check was returned when funds where in the account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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: TX

Complaint narrative:
Experian Credit bureau has not provided with validation of the following inquires that appear on my credit report. I have requested on several occasions for full validation of these inquiries. I do not recognize them and would like it to been taken off. Base on the law, information on this report must be accurate, no errors and verifiable. Please send proof for such with my signature authorizing this. 

XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXXXX/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