vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-22 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: CA

Complaint narrative:
Box 1 : ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I realized a hard inquiry on my XXXX  credit report from Bank of America. Ive never tried to open an account with Bank of America so I immediately contacted the company with my concerns. I sat on the phone for over 2 hours with a representative who made me aware that shed taken care of it, months later, the dispute was still there so I called the company back and they told me no one ever opened up a dispute. I then sat on the phone for another 2 hours with another representative who told me hell take care of it and provided me with a claim number/case ID, Case ID : XXXX, along with a direct phone number to the fraud department so I can call in for updates. It has been over 1 month since than and every-time I call Bank of America , no one has an update for me on whats going on.

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 2022-03-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I had new checking account information that needed to be put on my XXXX XXXX XXXX credit card and when I attempted to remove it, the system would not allow me to so I was forced to UPDATE the checking account. I updated the information and then made a payment. Unfortunately, the Comenity system did not update the information, and the payment was sent to the old account. When I found out about this, I called customer service and four different reps attempted to help me but no one could seem to figure out what had happened and no one seemed to know how to remove the old account. I finally spoke with a rep who was able to show me how to remove the old account, however, I had already been charged a XXXX returned item fee because the system sent it to my old account. I have tried to resolve this with no less than 10 people and no one seems to be able to help. I have now also been charged XXXX in interest on the returned item fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-03-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I had gotten really ill after catching XXXX. I was forced to take leave from work which lead to me making late payments on my account. I paid off all previous debt as soon as I returned to work and set up auto pay to pay this account off in full as soon as possible.

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 2022-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: MN

Complaint narrative:
In brief I contacted the Western union customer service to inform them that both transfers domestic wires were canceled by their office. The person I sent the money to had some issue with Identity in their system, so I was instructed to get a refund for transactions : Date XX/XX/2022 XXXX XXXX. XXXX for {$200.00}. and XX/XX/2022 XXXX XXXX. XXXX for {$200.00} the wire charge should be returned as well I was told the money would be back by the XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc.
State: CA

Complaint narrative:
I originally bought crypto currency on binance.com. When it was no longer allowed in the US, they made me transfer my funds to Binance.US. I did that on XX/XX/XXXX. Today is XX/XX/XXXX. They have not allowed me to withdraw my money. And have only responded to me once with no help whatsoever. This is a common occurrence with others as well. I need my money immediately. Ref # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I paid XXXX, XXXX dollars, XXXX dollars, Almost 860 dollars paid. 

Credit bureas should make a correction, there is wrong amount and furthermore under fair trade act, less than 500dollars debt should not be listed in credit reports as a correction. US Congress supports veteran like me. Credit bureau should update. 

Attached files are evidences.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ACIMA CREDIT, LLC
State: NY

Complaint narrative:
I had gotten sick from XXXX which lead to me being out of work, i missed a payment with this company one time after several other positive encounters and payment history. I wasnt aware of the missed payments because I was sick and incapacitated to the point where I couldnt see for myself and it is being held against me although the account is paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: VA

Complaint narrative:
I paid XXXX, XXXX dollars, XXXX dollars, Almost 860 dollars paid. 

Credit bureas should make a correction, there is wrong amount and furthermore under fair trade act, less than 500dollars debt should not be listed in credit reports as a correction. US Congress supports veteran like me. Credit bureau should update. 

Attached files are evidences.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
JPMorgan Chase bank had enrolled me into the covid deferment program but they continued to charged and states that they have no record of enrolling me into the program. A 30 day late payment delinquency is put on my credit report for XX/XX/2021 and I would like it to be removed because of inconsistencies with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
This letter is to inform you that I am disputing your companys references on my credit report because of the lack of completeness and/or accuracy. I recently disputed this account with the credit reporting bureaus, and the information was reported as verified and accurate. After that I sent you the attached letter and I never got a sufficient response. Unfortunately, credit bureaus often use software that does not complete thorough investigations.I am disputing the following information directly with you, the furnisher of information, and I am requesting that you send me all papework you have on this account so i can review the accuracy of your reporting. You are a financial institution identified in 15 U.S. Code 1681a ( t ) Financial Institution.The term financial institution means a State or National bank, a State or Federal savings and loan association, a mutual savings bank, a State or Federal credit union, or any other person that, directly or indirectly, holds a transaction account ( as defined in section 461 ( b ) of title 12 ) belonging to a consumer. For the record I do know and understand by law, who you are and who I am. 
1. I would like to see your GAAP ( general acceptance accountability principles ) which is your paper trail from where/when it came directly from your account. 
2. I also want to know who is the original creditor?

3. I am also requesting the Individual Masterfile ( IMF ) pursuant to 15 USC 1681G this should contain every payment I ever made, the original wet signature contract, not a copy or printouts, it should also contain info on where you got it, how you got it, and when it was stored. If dont get this its a violation 4. Also I do not recall you CLEARLY and CONSPICUOUSLY disclosing to me the CONSUMER my right to opt out according to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
This letter is to inform you that I am disputing your companys references on my credit report because of the lack of completeness and/or accuracy. I recently disputed this account with the credit reporting bureaus, and the information was reported as verified and accurate. After that I sent you the attached letter and I never got a sufficient response. Unfortunately, credit bureaus often use software that does not complete thorough investigations.I am disputing the following information directly with you, the furnisher of information, and I am requesting that you send me all papework you have on this account so i can review the accuracy of your reporting. You are a financial institution identified in 15 U.S. Code 1681a ( t ) Financial Institution.The term financial institution means a State or National bank, a State or Federal savings and loan association, a mutual savings bank, a State or Federal credit union, or any other person that, directly or indirectly, holds a transaction account ( as defined in section 461 ( b ) of title 12 ) belonging to a consumer. For the record I do know and understand by law, who you are and who I am. 
1. I would like to see your GAAP ( general acceptance accountability principles ) which is your paper trail from where/when it came directly from your account. 
2. I also want to know who is the original creditor?

3. I am also requesting the Individual Masterfile ( IMF ) pursuant to 15 USC 1681G this should contain every payment I ever made, the original wet signature contract, not a copy or printouts, it should also contain info on where you got it, how you got it, and when it was stored. If dont get this its a violation 4. Also I do not recall you CLEARLY and CONSPICUOUSLY disclosing to me the CONSUMER my right to opt out according to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am submitting this complaint against Transunion for reporting inaccurate information on the listed account below. For some reason, I realized that there were late payments on my credit report. The bank has made errors with the payment and processed inaccurately and agreed to fix the issue. However, the bureau is violating Section 611 of the FCRA for reporting false information which is damaging my credit and causing me emotional and physical stress. I need TRANSUNION to correct the erroneous information on my report ASAP. 

XXXX XXXX XXXX XXXXXXXX

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 2022-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
This complaint is in reference to My credit report showing a collection from your agency. I already sent a letter to your company but you did not respond with what I asked for to verify your claims of this alleged debt that I supposedly owe. I was never notified of this collection. I do not believe this debt is accurate. I do not believe this debt is mine. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for. 
2 ) A complete Audit Trail calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 
3 ) Documentation that shows I agreed to pay this debt with my signature and documentation that shows I gave you permission to have my information, and paperwork showing I gave you the authorization to report this to my credit report. No consent to you having my information and unauthorized use of my social security number is identity theft and you will be reported for such. 
4 ) The Agreement grants you authority to collect on this alleged debt. 
5 ) A copy of your state license, including the license number that gives you rights to collect in my state. 

6 ) A copy of the full purchase agreement 7 ) I want you to Swear under penalty of perjury you were present during the alleged debt Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 
Also, read the attached letter and review all of the violations by your company

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 2022-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX ) and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-03-22 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am submitting this complaint against Equifax for reporting inaccurate information on the listed accounts below. For some reason, I realized that there were late payments on my credit report. The bank has made errors with the payment and processed inaccurately and agreed to fix the issue. However, the bureau is violating Section 611 of the FCRA for reporting false information which is damaging my credit and causing me emotional and physical stress. I need EQUIFAX to correct the erroneous information on my report ASAP. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I was in the XXXX  with XXXX. I didnt have my phone or purse for nearly a week. I get out and see my Wells Fargo savings has basically been cleaned. Money being transferred from XXXX to my debit card ( savings ) & immediately removed or used. {$120.00} at XXXX directly after a transfer. {$30.00} atm. {$300.00} atm directly after transfer. 

I filed a dispute with them on XX/XX/22 and the denied it. I dont understand. No one reached out to me. I even moved and changed my address via Wells Fargo because someone had my address. Wells Fargo should see I havent used my checking card in weeks because it was at my home. Nearly {$700.00} is completely gone. They are making me regret opening that account back up.

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 2022-03-22 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Failure to respond within the generously allotted 30 days. 
XXXX XXXX Company has failed to comply to report 100 % accurate payments listed as XXXX is unlawful and misleading I have attached the CRA Consumer report with PROOF

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: C/C Financial
State: FL

Complaint narrative:
This letter is to inform you that I am disputing your companys references on my credit report because of the lack of completeness and/or accuracy. I recently disputed this account with the credit reporting bureaus, and the information was reported as verified and accurate. After that I sent you the attached letter and I never got a sufficient response. Unfortunately, credit bureaus often use software that does not complete thorough investigations.I am disputing the following information directly with you, the furnisher of information, and I am requesting that you send me all papework you have on this account so i can review the accuracy of your reporting. You are a financial institution identified in 15 U.S. Code 1681a ( t ) Financial Institution.The term financial institution means a State or National bank, a State or Federal savings and loan association, a mutual savings bank, a State or Federal credit union, or any other person that, directly or indirectly, holds a transaction account ( as defined in section 461 ( b ) of title 12 ) belonging to a consumer. For the record I do know and understand by law, who you are and who I am.

1. I would like to see your GAAP ( general acceptance accountability principles ) which is your paper trail from where/when it came directly from your account.

2. I also want to know who is the original creditor?

3. I am also requesting the Individual Masterfile ( IMF ) pursuant to 15 USC 1681G this should contain every payment I ever made, the original wet signature contract, not a copy or printouts, it should also contain info on where you got it, how you got it, and when it was stored. If dont get this its a violation 4. Also I do not recall you CLEARLY and CONSPICUOUSLY disclosing to me the CONSUMER my right to opt out according to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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:
This complaint is in reference to My credit report showing a collection from your agency. I already sent a letter to your company but you did not respond with what I asked for to verify your claims of this alleged debt that I supposedly owe. I was never notified of this collection. I do not believe this debt is accurate. I do not believe this debt is mine. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for.

2 ) A complete Audit Trail calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 
3 ) Documentation that shows I agreed to pay this debt with my signature and documentation that shows I gave you permission to have my information, and paperwork showing I gave you authorization to report this to my credit report. No consent to you having my information and unauthorized use of my social security number is identity theft and you will be reported for such.

4 ) The Agreement that grants you authority to collect on this alleged debt.

5 ) A copy of your state license, including license number that give you rights to collect in my state.

6 ) A copy of the full purchase agreement 7 ) I want you to Swear under penalty of perjury you were present during the alleged debt Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 
Also read the attached letter and review all of the violations by your company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
I haven't take any action yet... need to know what to do to returned the car they refused to take back

Company response to consumer: Closed with explanation