vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: NY

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX is reporting inaccurate information on DISCOVER FINANCIAL SERVI. Per FCRA, reporting must be 100 % accurate or the information must be deleted. ( DISCOVER FINANCIAL SERVI XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CAPITAL ONE. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

( CAPITAL ONE XXXX, CAPITAL ONE XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself. I have been patiently waiting on JPMCB CARD 's response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : ( JPMCB CARD XXXX, JPMCB CARD XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
XX/XX/2021 somebody charged my debit card in XXXX XXXX XXXX XXXX XXXX  ) first time for {$2500.00} and then for {$580.00} through the Credit Acceptance Corp., and twice by {$9.00} through the XXXX XXXX. Totally for {$3100.00}. We asked the XXXX to stop processing. However, the XXXX  ignored our request and has processed these charges. Some time later we found in the XXXX 's Message Center that this claim is " resolved -claim not paid ''. 
I never used services of the Credit Acceptance Corp. and had no idea about its existence. The information on the internet suggests that it is a company that is financing subprime automobile loans. Evidently, it has to check credentials of any person who is applying for the loan. Therefore, the Credit Acceptance Corp. has information about this person. Hopefully, the XXXX informed the Credit Acceptance Corp. and that company could initiate a criminal investigation. However, nothing was done. I have no idea who got this loan. The Credit Acceptance Corp. didn't inform me about operations where my identity was involved. It looks that the loan was done for another person who got a car under this loan, but paid by my debit card. How it is possible I can not imagine. By the way, supposedly, the XXXX XXXX is also involved in this fraud, but as an intermediary.

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 2021-12-23 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:
Hello! I opened a dispute with Experian but they failed to investigate my dispute, even though I sent documents showing there is an error and I have disputed this same issue with Experian 3 times! Pleas help me have an actual person look at my documents

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 2021-12-23 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: ID

Complaint narrative:
Contact the XXXX XXXX XXXX, Experian XXXX and XXXX to validate the debt, I have not received any supporting claims that the debt belongs to me.

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 2021-12-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CBK, Inc.
State: KS

Complaint narrative:
Person called about debt, asked about payment plan said they needed my employer first and a down payment. 
Threatened to take me to court in voicemail but when I called I was told it was already at the sheriffs office and been filed and nothing I could do but wait for a court date. This was the second voicemail. The letter was dated XX/XX/XXXX I called debt collector on XX/XX/XXXX and debt collector told me it was filed on XX/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
Consumer complaint received 2021-12-23 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: ID

Complaint narrative:
Contact the XXXX XXXX XXXX, XXXX Equifax and XXXX to validate the debt, I have not received any supporting claims that the debt belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 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: CO

Complaint narrative:
I have attached documentation from the US Government Bankruptcy reporting system ( XXXX  ) to support my request for removal. The law states that credit reporting companies may not report a bankruptcy case on a person 's credit report after ten years from the date the bankruptcy case is filed or discharged. See 15 U.S.C. 1681 The date listed on the court document states initil filing date of XX/XX/2011 case # XXXX I have requested and submitted all supporting documentation to remove it, and they still have not done so. It is clearly past 10 years old.

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 2021-12-23 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: ID

Complaint narrative:
XXXXXXXX XXXX XXXX hasnt validated the so call debt with supporting documentation after multiple attempts. Dispute the debt through transunion and nothing has changed.

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 2021-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Kriya Capital, LLC
State: AZ

Complaint narrative:
These people started calling me back in early XXXX with a claim that I owed a debt but the information they provide me I told them idk who created this so called debt but it never getting paid. They have probably called me over 200 times from various phone numbers. Back in XXXX they pulled the same thing repeated phone calls from various numbers and it happened in XXXX as well and I had to change my number about 10 times until they got this number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-23 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: CO

Complaint narrative:
I have attached documentation from the US Government Bankruptcy reporting system ( XXXX ) to support my request for removal. The law states that credit reporting companies may not report a bankruptcy case on a person 's credit report after ten years from the date the bankruptcy case is filed or discharged. See 15 U.S.C. 1681c. The date listed on the court document states initil filing date of XX/XX/2011 case # XXXX I have submitted all supporting doc and disputes, and its clearly over 10 years old, it still hasn't been removed

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 2021-12-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: ID

Complaint narrative:
Midland credit hasnt been able to validate the so call debt and threatening to sue if not paid. Attempted to dispute account with both credit report agencies and debt collection agency

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2021 I noticed a fraudulent transaction on my Bank of America account made on XX/XX/2021. The transaction was displayed as XXXX XXXX in the amount of {$850.00}. At the time I was teaching a class at XXXX XXXX University where I work as an adjunct professor. As soon as my class concluded I immediately logged on to my XXXX account. I saw that {$850.00} dollars had been charged for XXXX XXXX watches on my Bank of America account that was attached to XXXX, the address where they were to be delivered was even listed, an address I have no association with in XXXX Florida. I immediately contacted XXXX, XXXX customer service informed me that they believed my account had been compromised and suspended the account. They also informed me that I would need to contact my bank to report the fraud. Following this I immediately contacted Bank of America and reported the fraud. On XX/XX/2021 the funds were temporarily credited to me account. On XX/XX/2021 following an investigation I was informed by Bank of America that they would not pay the claim. I am now being treated as a criminal and forced to pay for goods that were purchased on my account fraudulently. This has placed my account in the negative XXXX days before XXXX while I am out of the country now with no means to cover even my daily expenses. Several cards associated with my XXXX account had numerous fraudulent charges and my claims were verified and refunded by other financial institutions. Bank of America has refused to reconsider their findings despite me providing them with evidence that the purchase was conducted by myself or anyone associated with me.

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 2021-12-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WAKEFIELD & ASSOCIATES, INC.
State: IL

Complaint narrative:
In XX/XX/2021, I disputed with Wakefield and Associates to remove me from their collection process. They deleted the negative accounts from XXXX but have not removed them from XXXX and XXXX. I asked for them to remove me from ALL CREDIT BUREAUS XXXX, XXXX and XXXX. As allowed under the Fair Debt Collection Practices Act ( FDCPA ). This could be a violation of Federal and State Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 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: Navient Solutions, LLC.
State: TN

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself. Regardless of the multiple written requests, the DPT ED/NAVI account listed below is still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

( DPT ED/NAVI XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Hiday & Ricke, P.A.
State: FL

Complaint narrative:
In XXXX, Hiday and Ricke took over account for XXXX XXXX XXXX XXXX. I was a co-signer on an auto loan back in XXXX. After numerous harassing calls and letters, I explained that I am a single mother of two and i didnt have any involvement in the other party defaulting on the loan. I made arrangements to make monthly payments which I did. However, the company then proceeded to file to have a judgement entered against me for more than XXXX. The company also filed a writ of garnishment against the other party for more than $ XXXXmonth. After not being contacted since XXXX, my employer was served a writ of garnishment last week. I was in no way contacted or notified of this prior to them filing. When I contacted XXXX XXXX, the Garnishment Agent, I was advised that my employer had already been served and that I would need to fill out a financial form for them to consider adjusting the garnishment. The financial affidavit that was attached is extremely invasive. In addition to household expenses, it also asks for bank account information to include savings, checking and routing number. When I submitted the form, no one bothered to respond. Nor was I given an opportunity to file an exemption form or to set up a payment arrangement. The company is using an address I have not resided at in 2 years. When I made attempts to call and email, I did not receive any response. The garnishment is withholding XXXX % of my income per pay period which is over {$300.00}. I am a single mother of two children and I do not receive any additional assistance. This is immensely frustrating and it greatly impacts my ability to provide for my children. I do not understand how anyone could justify withholding % XXXX of someones earnings every pay period in the midst of a pandemic when financial instability is at an all time high. I have sought legal action in this matter. I have the notice to defendant that was filed with the court for documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: MI

Complaint narrative:
I opened a Coinbase ccount when Coinbase began. I am continuously locked out of my account for one reasoning or another. This time I have not been able to access my account since XXXX. I have sent email after email to their support. I have called. I even opened a Coinbase wallet to try and access my funds that way but to no avail. I am fed up. They say no two factor authentication, to which I even sent them what they asked for ad copy of my driver license. Nothing. I'm still locked out. I can not see my balance which was at over {$500.00} in XXXX. This is not fair nr right. I shouldn't have this problem accessing something of my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: CT

Complaint narrative:
I have someone in XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX, shes called XXXX banks, she made someone mailed a check to her using a spammed bank so that she will deposit the check in the atm and withdraw the funds out. This woman has been doing this fraud for a couple of times now and I caught her. I need the fbi to go arrest and jail her because she has been stealing from peoples bank for a very long period of time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 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: NY

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself. I'm not swayed that Experian efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. Experian is reporting inaccurate information on the accounts listed below. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX 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 non-monetary relief
Consumer complaint received 2021-12-23 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: NY

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself. I'm not swayed that Equifax efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. Equifax is reporting inaccurate information on the accounts listed below. PeXXXX FCRA, reporting must be 100 % accurate or the information must be deleted. 

( XXXX XXXX XXXX, XXXX CARD XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 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: NY

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself. I'm not swayed that Transunion efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. Transunion is reporting inaccurate information on the accounts listed below. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

( XXXX XXXX XXXX, XXXX CARD XXXX, XXXX 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 non-monetary relief
Consumer complaint received 2021-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I recently became a victim of a fraudulent scheme and already filed a dispute claim on my bank account " Wells Fargo '' but my dispute claim got denied. So I called the claims department and asked if there's any other option or how they can help me as it is a big amount of money that my family needs to get back. So they transferred my claim to the " High Dollar Fraud Department '' and the representative that I spoke to confirmed that the claim has been denied again ( XX/XX/2021 ). The representative then just advice me to file a police report as they can't do anything anymore. 

I already finished submitting a a file complaint to FTC and FBI 's XXXX XXXX XXXX XXXX. 

I have all the evidence that I was in fact a victim of fraudulent scheme and I can send everything if needed. 

I'm begging that you help me and my family get our hard earned money back.

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 2021-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Bakkt Opco Holdings, LLC
State: MI

Complaint narrative:
I am not able to get into my Bakkt account. I have reached out repeatedly to be allowed in XXXX time and not again the next time. This is very frustrating. I am allowed to put money in the account. To buy cryptocurrency and add reward points as well as gift cards but when I go to enter account again it says my device is not safe. This is very irritating. Let me in my XXXX account

Company response to consumer: Closed with explanation