vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
In XXXX, I disputed account # XXXX with LVNV Funding. The alleged original creditor was XXXX XXXX  according to LVNV Funding. I am applying for a mortgage and there is no XXXX XXXX XXXX  tradeline on my credit report. However, LVNV Funding has illegally RE-AGED the account. LVNV is fraudulently representing on my credit report that this account began in XXXX when I disputed it with them in XXXX!! This is causing me to have a lower credit score and affecting my interest rate. I demand LVNV delete this account and provide to me a letter deleting it so that I can provide it to the credit bureaus. If LVNV Funding refuses to delete the account, I DEMAND LVNV Funding provide to me complete accounting validation of the debt according to the Fair Debt Collection Practices Act, the Florida Consumer Collection Practices Act and the Fair Credit Reporting Act. Again, LVNV is ILLEGALLY RE-AGING THIS ACCOUNT TO DELIBERATELY HURT MY CREDIT RATING!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are 13 accounts on my credit report that do not belong to me I am getting harassed by collections and other companies for these accounts. I have opened a dispute with all three bureaus as well as consulted the furnishers that these accounts are in no way mine I need them removed asap. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX CARD Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account

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 2021-04-30 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:
There are 13 accounts on my credit report that do not belong to me I am getting harassed by collections and other companies for these accounts. I have opened a dispute with all three bureaus as well as consulted the furnishers that these accounts are in no way mine I need them removed asap. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX CARD Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 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: MI

Complaint narrative:
I purchased a vehicle in XXXX. Financed through XXXX XXXX auto. My vehicle was stolen and my car insurance paid all but {$800.00}. I called XXXX XXXX XXXX  to make the payment for {$800.00}. They advised I could pay on it every month until it's paid off. So I made payments every month. In XXXX of XXXX they sent the account to charge off. I never recieved a XX/XX/XXXX late as I was still making payments. I called to ask about this and paid the balance in full. I want this charge off removed from all three bureaus as it was not reported correctly. This is against fair credit reporting. I never recieved any calls or mail stating the account was past due, and it doesn't reflect correctly on my credit report. By law it has to go 180 days before it good to charge off status.

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 2021-04-30 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: MI

Complaint narrative:
I purchased a vehicle in XXXX. Financed through XXXX XXXX XXXX. My vehicle was stolen and my car insurance paid all but {$800.00}. I called XXXX XXXX XXXX to make the payment for {$800.00}. They advised I could pay on it every month until it's paid off. So I made payments every month. In XXXX of XXXX they sent the account to charge off. I never recieved a 30/60/90 late as I was still making payments. I called to ask about this and paid the balance in full. I want this charge off removed from all three bureaus as it was not reported correctly. This is against fair credit reporting. I never recieved any calls or mail stating the account was past due, and it doesn't reflect correctly on my credit report. By law it has to go 180 days before it good to charge off status.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
The credit card for this account has been paid in full and closed, yet the credit card company has yet to remove this item from my credit report, therefore effecting my credit rating. This negative item is also preventing me from being able to become a first time home owner. 

The account was opened on XX/XX/XXXX and paid and closed on XX/XX/XXXX. The amount of time that has passed, it should have been permanently removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc.
State: FL

Complaint narrative:
Few months ago I created an account on www. FINANCE.US for crypto currency exchange. I made a deposit of {$6000.00}. Each time i sign in they require me to sign-in in two steps. after user name and pasword then they require a code from " XXXX authenticator '' app that was installed on my secondary phone. 
after a month i lost access to my " XXXX authenticator app on the phone and can not access my account. ( nor be able to withdraw my funds ) I have contacted Binance.us  customer service for over a month for several times. One time i received an auto response with instructions how to reset 2FA ( two step ) signing. these instructions are already available on help pages. I followed them and submitted all required information ( including photo of id, video of myself and holding id selfle photo ) It seems someone have to manually approve reset process but so far no one responded ( over a month ).

I searched online and found out lots of other people having similar issues ( discussing on XXXX ). One common complain is they can not get a response from Binance.US.

I home hoping through this channel Binance.US customer department would respond or simply return my funds to my bank account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION
State: NM

Complaint narrative:
We bought a new car from XXXX XXXX in XXXX XXXX NM on XX/XX/XXXX. We put down {$7000.00} on the XXXX XXXX XXXX. Rhe original price quoted on their website was alittle under {$20000.00}. But by the time we put the money down the total price for the car wasThe loan is in my husband and my name we were not told that the finance company ( Credit Acceptance ) charged us approximately {$7000.00} fee to finance both of us. When I called the car Dealer XXXX XXXX. No one could explain to me the reason for the finance charge. I was then hung up on. So we called credit Acceptance and they stated that the fee was between us ( my husband and myself ) and the car dealership. So we contacted the dealership again and tried to speak to the finance person and was told that he was to busy to take the call. We now have left messages with the dealership everyday since XX/XX/XXXX to which no one has called us back. We would like some resolution to this issue as we feel that we were bullied to sign papers and not given time to read the contract or anything. My husband and I are both over XXXX XXXX XXXX and really feel like the dealership stuck it to us. Also, none of the paperwork reflects the correct mileage on the car. We disputed that as well. Some papers say 10 miles and some say 1 mile.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
SOMEONE IN THE MISSISSIPPI AREA HAS USED MY INFORMATION OPENING ACCOUNTS AND USING MY NAME TO BUY THINGS I LIVE IN THE XXXX AREA I HAVE NEVER LIVED IN THE MISSISSIPPI AREA.

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 2021-04-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NRA Group, LLC
State: PA

Complaint narrative:
I have disputed a duplicate and expired daycare bill with National Recovery Agency and the Credit Bureaus multiple times. They have sent correspondence to me regarding XXXX XXXX  XXXX XXXX. The Date of last activity for the service I had there was XX/XX/2014. They are also reporting this in duplicate on my credit. Same dollar amount listed as owed but two different account numbers. There was only one account with XXXX XXXX  XXXX. The location has closed years ago and I have not been able to get in touch with anyone from there regarding this. The service and payment breakdown that XXXX XXXX sent me clearly states that the date of last activity/payment was on XX/XX/2014, yet the front of their letter states that the last service date was XX/XX/2014. The dates on my credit report also do not reflect a proper date of last activity. 

National Recovery Agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, PA XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I received a letter on XXXX XXXX from a company named XXXX XXXX XXXX XXXX XXXX this letter states that WELLS FARGO, had purchased a home warranty policy for me and that is was time to renew. 
I did not authorize WELLS FARGO to purchase and insurance for me, when I called into WELLS FARGO to inquire I was told by their representative XXXX XXXX XXXX that WELLS FARGO did not purchase that policy and then she informed me that WELLS FARGO had just processed an appraisal on my property, when I asked her why this was done she said she did not know and would have a supervisor call me back to discuss this matter with me, but no one has called me and I did not request or authorize any appraisal be done on my property and I want to know why this was done and for what reasons and I want a copy of this 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 2021-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I was approved by the SBA and a lender funded my PPP loan on XX/XX/2021. I submitted all my information to achieve approval. I am an XXXX XXXX and needed these funds to pay for my craft, as Im grossly in the red. I went to pull off my funds today XX/XX/2021 ( tomorrow is the first all bills are due XXXX, after being able to use my account all week, uninterrupted, even having a rep increase my limit, now to be told that my account is frozen, with not only funds from the SBA but funds that were directly deposited from other sources. They need documentation of the funds received, when asked what do I need to send in, I was told everything that I can. When I call the Capital One phone number I am being told I have to leave a voicemail. I have been banking with Capital One for over 2 years now and have 3 credit cards. I have never been treated like Im a criminal. I feel like I was flagged because the lady at the counter saw a young XXXX XXXX female and assumed fraud. This is the second time that I have visited this bank branch to withdraw a large amount, the first time I had no issue. 

At this point I want my money to be released to me so I can close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are 6 accounts on my credit report that do not belong to me I need these removed asap I have filed for FTC I have been disputing these since XXXX of 2020 and I am getting pretty ticked off since I am spending days and days on these trying to save my credit from accounts that are not mine they do not belong to me I have no idea how these are on my credit and who put these there. I own no such cards or accounts. 

Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX BANK Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX BANK Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account

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 2021-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
SOMEONE IN THE XXXX  AREA HAS USED MY INFORMATION OPENING ACCOUNTS AND USING MY NAME TO BUY THINGS I LIVE IN THE XXXX AREA I HAVE NEVER LIVED IN THE XXXX AREA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 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: IN

Complaint narrative:
THESE COMPANIES WILL NOT UPDATE THAT THE ACCOUNTS WERE COVERED UNDER A CHAPTER XXXX BANKRUPTCY THAT THEY DID NOT FILE A CLAIM TOO AND NOW THEY WANT TO CONTINUE TO HOLD ME HOSTAGE BECAUSE THEY FAILED TO RESPOND TO THE BANKRUPTCY COURT IN A TIMELY MANNER XXXX XXXXXXXX XXXX FOR XXXX XXXX  Original creditor : XXXX XXXX and XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX THESE ACCOUNTS WERE COVERED IN MY BANKRUPTCY PLEASE REMOVE THEM FROM ALL 3 CREDIT REPORTING FILES

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 2021-04-30 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 was declined credit from XXXX XXXX because of some incorrect information that Experian reported to them. See below what they submitted to XXXX XXXX : The revolving balance ( s ) on your XXXX XXXX accounts is too high. 
The number of credit card accounts on which, in our estimation, you have not paid a majority of the balance in recent months as indicated in your credit report. 
The amount of your payments in relation to the overall balance on your XXXX XXXX account ( s ). 
Proportion of loan balances to loan amount is too high. 
All that information is incorrect. 
I don't carry any balance with XXXX XXXX. I pay them off before the due date. 
I don't have any credit cards with balances. I have a XXXX  % Utilization.

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 2021-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: WESTERN UNION COMPANY, THE
State: MA

Complaint narrative:
On XX/XX/2021, I contracted with Western Union Financial Service to send money to my sister-in-law in XXXX. In our contract, it was agreed that I would pay {$4900.00}, plus a {$2.00} fee, to have XXXX XXXX reals deposited into my sister-in-law 's bank account. I paid the money. My Tracking # ( MTCN ) was XXXX XXXX XXXX. But Western Union only deposited XXXX XXXX reals into my recipient 's account. The transaction was deficient XXXX XXXX  reals. I contacted Western Union 's customer service to have this rectified, but was only told XXXX ) transfer rates are subject to fluctuation and/or XXXX ) it must have been taxes taken out by the recipient bank. I feel as though Western Union refuses to actually trace the transaction and actually SEE what was indeed deposited. The deficient amount was XXXX XXXX reals, which is approximately over XXXX % of the total transaction. This is WAY too much to be explained away by simple market rate fluctuation. As well, the recipient bank says nothing was deducted for taxes at the time of deposit, that is not how taxes are paid in XXXX ( they are paid later at the end of the year in a tax return. ) The bank says they deposit exactly the amount that Western Union sent. My spouse had the EXACT same issue on the EXACT same day. Western Union was able to look into her problem and determine that an error had occurred on their end and issued a partial refund for the deficient amount that was not sent by Western Union. My spouse 's issue with Western Union that Western Union successfully resolved was Western Union incident number XXXX. I am enclosing screen shots of our contract and what was actually deposited. The amount deficient is WAY MORE than any XXXX  % tax that Western Union previously alleged.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 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: Kriya Capital, LLC
State: IN

Complaint narrative:
THESE COMPANIES WILL NOT UPDATE THAT THE ACCOUNTS WERE COVERED UNDER A CHAPTER XXXX BANKRUPTCY THAT THEY DID NOT FILE A CLAIM TOO AND NOW THEY WANT TO CONTINUE TO HOLD ME HOSTAGE BECAUSE THEY FAILED TO RESPOND TO THE BANKRUPTCY COURT IN A TIMELY MANNER CREDANCE RESOURCE MANAGEMENT FOR XXXX XXXX Original creditor : XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX THESE ACCOUNTS WERE COVERED IN MY BANKRUPTCY PLEASE REMOVE THEM FROM ALL 3 CREDIT REPORTING FILES

Company response to consumer: Closed with non-monetary relief