vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-06 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: GA

Complaint narrative:
My information has appeared in XXXX data breach and from XX/XX/2021 - XX/XX/2021. My debit card was used fraudulently for online purchases for which I received no benefit. My login was compromised due the data breach, which allowed access to XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, and XXXX " your phone '' application which allows user to receive text via a pc. Using the compromised accounts someone was able to drain my account of over {$200000.00}. Wellsfargo denied my claims sighting that I funded the purchases with wires. The wires were not the funding of any purchases but instead sales of houses and products via online marketplaces.

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 2021-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have sent letters to each TransUnion, XXXX, and XXXX on five different occasions and have yet to receive a response from any of them. The exact dates I sent the letters were on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I believe I am getting ignored and the credit bureau 's are infringing on my rights under the FCRA. 

It has been over 120 days with no response from the bureaus so I would like the negative information being reported on my credit profile to be deleted.

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 2021-10-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I mailed out a certified letter to Kohls/Cap One on XX/XX/XXXX for them to remove a late payment that is reporting on my credit and asked them to provide proof which they did not. All they did is respond with a letter that verifies the balance and when account was opened but no proof of the late payment that they must provide or have it removed from my report. Please assist in getting proof that the late payment is valid or it should be removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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: NJ

Complaint narrative:
I was checking my credit report and I saw that my credit score is low. I don't understand why you put this information on my account. I believe that someone used my personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
On XX/XX/2021 I contacted XXXX, Transunion and XXXX requesting an investigation into items that I believed were ( CHOOSE : INNACCURATE, OUTDATED OR OBSOLETE ). To date, I have not received a reply from Them or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. I attempted again on XX/XX/2021 and XX/XX/2021 1. XXXX XXXX XXXX : {$9700.00} Paid in Full Please supply information on how you have verified this item. This account has been settled 2. XXXX : {$10000.00} Please supply information on how you have verified this item. 

3. XXXX - Paid in full amount {$0.00} Please investigate and delete from my credit report. 

4. XXXX XXXX - Paid in full {$0.00} Please investigate and delete from my credit report.

5.XXXX XXXX - Paid in full amount {$0.00} Please investigate and delete from my credit report. 

6. XXXX  -Paid in Full amount {$0.00} Please investigate and delete from my credit report. 

5. XXXX XXXX  - Paid in Full amount {$0.00} Please investigate and delete from my credit report. 

6. XXXX XXXX - Paid in Full {$0.00} Please supply information on how you have verified this item. 

Thank you, XXXX 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 2021-10-06 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: MN

Complaint narrative:
On XX/XX/2021 I contacted Equifax, XXXX and XXXX requesting an investigation into items that I believed were ( CHOOSE : INNACCURATE, OUTDATED OR OBSOLETE ). To date, I have not received a reply from Them or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. I attempted again on XX/XX/2021 and XX/XX/2021 1. XXXX XXXX XXXX : {$9700.00} Paid in Full Please supply information on how you have verified this item. This account has been settled 2. XXXX : {$10000.00} Please supply information on how you have verified this item. 

3. XXXX - Paid in full amount {$0.00} Please investigate and delete from my credit report.

4. XXXX XXXX - Paid in full {$0.00} Please investigate and delete from my credit report.

5XXXX XXXX - Paid in full amount {$0.00} Please investigate and delete from my credit report. 

6. XXXX  -Paid in Full amount {$0.00} Please investigate and delete from my credit report. 

5. XXXX XXXX - Paid in Full amount {$0.00} Please investigate and delete from my credit report.

6. 12 XXXX - Paid in Full {$0.00} Please supply information on how you have verified this item. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX to XX/XX/XXXX, I made some small deposits and a withdrawal. I did some trading and had a profit of approx {$1500.00}. On XX/XX/XXXX an additional depo of $ XXXX was added to the other $ XXXX deposit on XX/XX/XXXX. That deposit just became clear. {$12000.00} was bal on XX/XX/XXXX. 
We put money in XXXX  XXXX  and on XX/XX/XXXX it was worth XXXX. On XXXX the other $ XXXX was cleared and bal was {$29000.00} which went to XXXX. On XXXX we added $ XXXX more. All this was in XXXX on XXXX, the account was at {$82000.00}. On XXXX added another XXXX. This brought the account to {$220000.00}. 
On XX/XX/XXXX, added $ XXXX. Now {$230000.00}. 
XX/XX/XXXX got XXXX of XXXX  XXXX  XXXX XX/XX/XXXX put the XXXX into XXXX  XX/XX/XXXX XXXX at XXXX XX/XX/XXXX added XXXX. Break down {$190000.00}. XXXX {$97000.00} XXXX ( $ XXXX + interest ) {$210000.00} XXXX {$500000.00} Total {$260000.00} Basis {$240000.00} XXXX XX/XX/XXXX XXXX  came due. Went to XXXX Bal {$320000.00} XXXX is {$200000.00} {$520000.00} {$260000.00} Basis {$260000.00} XXXX XX/XX/XXXX Put $ XXXX in XXXX. Also made appointment for XXXX  XXXX  XXXX  XXXX. Will put $ XXXX in and will get 15 % -20 % XX/XX/XXXX. Sold XXXX and put $ XXXX in for subscription on XXXX  XXXX  XXXX XXXX coming on Friday XXXX wired $ XXXX for taxes. SCAM XXXX  wanted XXXX to withdraw account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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: TD BANK US HOLDING COMPANY
State: LA

Complaint narrative:
I have made many calls to get this corrected Target Credit Care. 
I paid this in full in 2012

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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: Kriya Capital, LLC
State: NJ

Complaint narrative:
I have asked this company to produce documentation such as a contract between myself & the company stating that I owe them a debt, and to show me what legal right they have to harass me to and calling me all day. They have failed to provide such information after three instances of communication via usps.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
Citibank closed my checking and savings accounts because I received the PPP funds into a personal account. 

I am an independent XXXX and do not have a registered business. Citibank accepted and released my fund a while ago, only for them to freeze my accounts 3 months later. 
Back in XX/XX/2021, the Biden administration set new regulations that made independent XXXX  and XXXX  employed people eligible and therefore banks should not expect independent to provide a registered business documents. 

I sent Citibank copies of contract agreements, W-9 form . When I applied for PPP, I never claimed to have a registered business. I used my name, social security number, XXXX XXXX  and XXXX  C. 

Im delinquent on all of my bills because of 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 2021-10-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NATIONS LENDING CORPORATION
State: AZ

Complaint narrative:
I am a XXXX veteran  that has been able to take advantage of the XXXX program offered to veteran home owners to refinance their homes at no cost, no documents, no credit or income verification. I just have to be a veteran and have no late pays on my mortgage history. I did not have any until I went with Nations Lending for this program and what should have taken 30 to 45 days, took almost 6 months for them to complete. I was advised in an email that I did not have to make the XX/XX/2020 payment or the XX/XX/2020 payment. I was then notified near the end of XXXX to make my XXXX payment because the underwriter was sick and they had no one else to sign. This delayed the process and I was not able to make my XXXX payment until XX/XX/2020. My wife contacted XXXX Mortgage immediately to make arrangements to see if we could stop it from being reported late and was advised by XXXX that they understood that we were refinancing and they would be paid in full and never said anything about it being reported late. They finally funded the loan over a month later and now I have a late pay on my mortgage because of the lack of customer service to a XXXX veteran during a global pandemic. I have made several requests to both companies to assist and they have refused to provide any customer service to me in this situation. This has caused 2 lines of credit I had to be closed as well as a credit limit being lowered by over 75 % of what the limit was on a credit card I have in good standing. This happened due to the lack of training on the part of both companies and the meaning of CUSTOMER SERVICE. I feel that both companies should be removed from this veteran program and any VA lending until they can prove they have the proper training to assist Veterans.

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 2021-10-06 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: FL

Complaint narrative:
I have attached an account that all are reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have this account deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus. I have attached highlighted pictures of the account with the inaccuracies.

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 2021-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I can't give you dates because these people ( Midland Credit Management XXXX XXXX XXXX ) have called me up to 3-4x a day since XXXX of last year and I have requested that they QUIT calling me NUMEROUS times. I have also been called at XXXX, XXXX, before XXXX, you name it, they've done it all. 

I block their numbers, they come back with literally 50 more, probably using a XXXX phone pool of rotating numbers. I think I reported about 20 of them the other night. 

They also refuse to announce who they are, only claiming that they're calling about a " Business venture '' in which I made a caller slip up on a call because she failed to claim our call was being recorded until AFTER I called her out on shenanigans in which she announced who they were and why they were calling. 

I have had them tell me they can't stop calling me unless I send a written letter, this is also a lie. When I tell you " Stop harassing me '' and you continue to do it, that's legal grounds. 

Listen, I'm fed up and these stalkery, creepy people with a bad business plan aren't my responsibility. Buying debt is XXXX. They can go under and deserve to. 

Tell them to take it up with my strawman account while you're at it. Americans aren't playing this fake debt game anymore.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX I cashed a state check in Chase Bank and they told me that the check was fake so I went in showed them the check was valid with my With the paperwork that came with it and my state refund it's refund now they told me that they were gon na close my account that the check never cleared the check cleared 8 days they had it cleared in my account and they still closed it the check never bounced I called XXXX XXXX told them to give me my money they have no explanation of why they kept my money and they're not sending my money or why they closed my account They close my account XX/XX/2021 the state confirmed the check cleared into my account this has messed up my credit and stopped all my direct deposits and causing my kids and I alot of burdens the check amount was {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
i mailed a certified letter on XX/XX/XXXX and have not had a response back. i wrote them a letter asking to provide proof of the 2 late payments they are reporting on my credit report for all 3 credit bureaus on XXXX and XX/XX/2019 but they have not replied and it is over 30 days.

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 2021-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2021, I sent a letter to Capital One letting them know that i had recently learned someone had opened a credit card under my name with their company. They refused to acknowledge stating i had not sent sufficient proof. Therefore, I sent another letter along with my police report and my identity theft affidavit and they once again refuse to acknowledge by sending the same letter. Capital One is violating my rights as an identity theft victim by failing to do a thorough investigation and sending me generic letters to cover their part in saying they responded within the limit. I am attaching the letter I sent to them along with their generic letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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: FORD MOTOR CREDIT CO.
State: FL

Complaint narrative:
FORD MOTOR CREDIT COMP reporting my Loan as OPEN with balance of XXXX while I PAID it off back in 2020 and took a NEW finance with XXXX XXXX. 
I called FORD and asked them to fix it they claimed the account is PAID OFF and they REPORTED it to the 3 BR while I still see it as open with XXXX balance. It damages my FICO 2 score for mortgage heavily!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
It has been reported several times that my auton loan at XXXX XXXX XXXX XXXX is 30 days past due. I have called several times and spoken with the loan mange XXXX XXXX who has informed me that she can not correct late payments corrects have to be made with the credit bureau although my due date on changed from the XXXX to the XXXX without my knowledge. I have attempted to correct with all 3 credit bureaus and no changes are ever made. Today XX/XX/XXXX XXXX XXXX has sent email stating that a change was made to my due date. I am disputing all late payments from XX/XX/XXXX up to current. and have attached email to show my due date was changed without my knowledge.

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 2021-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In the last 90 days I have tried on multiple occasions to remove my inaccurate information from this credit company with no success. I send proof this information is reporting incorrectly and nothing gets done. I will attach a list of inaccurate items to this complaint that need to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Trans Union put a credit freeze on my credit report and I made several attempts to resolve and remove the freeze and they have refused to comply.

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 2021-10-06 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: CITIBANK, N.A.
State: IL

Complaint narrative:
I mailed out a certified letter to Best Buy on XX/XX/XXXX to provide proof of the late payment reported on my credit report for XX/XX/2020 but it has now been over 30 days and i have not received a response to my inquiry. I am writing for you to help get a the proof i was late or this should be removed from my credit report for all 3 credit bureaus.

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 2021-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
Unauthorized credit inquiries by XXXX and XXXX XXXX on XX/XX/2021 2021

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