vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MRS BPO, LLC
State: GA

Complaint narrative:
In XXXX or XXXX of XXXX, I received a weekend phone call from a company concerning a dept from a creditor in which I had no previous contact or experience. I informed the company that I had no knowledge of this debt and it did not belong to me. The company requested over the phone that I provide my SS # in which I refused to provide over the phone given multiple fraud attempts regarding my personal information. I receive a statement dated XX/XX/XXXX from MRS BPO LLC for an amount of {$500.00}. I responded to the letter in writing informing this company that I have no record or knowledge of the dept, did not think the dept was mine and requested that they cease from contacting me regarding payment for this dept. 

On XX/XX/XXXX, I received a electronic alert that my credit record had a collection notice placed by XXXX XXXX XXXX XXXX XXXX. When I examined my credit report, my score had negatively been impacted by over XXXX points due to collection note placed on my file by XXXX XXXX XXXX, XXXX. I had not been contacted by this company previously. I called XXXX XXXX XXXX, informed them that the account was not mine. They provided a document in which it appeared someone had opened an account via the internet using my personal information and an email account that was not mine. I informed XXXX XXXX XXXX that I did not open or had no knowledge of the account and it appeared to be fraudulent. They demanded that I file a police report, obtain a certified rebuttal and provide ID to " investigate '', meanwhile my credit continues to be flagged with the fraudulent account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX XXXX XXXX / 30 days late 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, A a billing error consists of any of the following : ( XXXX ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( XXXX ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( XXXX ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( XXXX ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. 
( XXXX ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. 
( XXXX ) Any other error described in regulations of the Bureau.

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 2022-02-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I Called transunion because my credit scores are dropping. From False reporting of being late with a payment. These accounts are paid in full. And are in charge off status and remain on my reports till XXXX XXXX XXXX XXXX and XXXX XXXX bank ending in XXXX And trans union does what they tell them to do. Its a crime they should be fined and jailed Also XXXX and XXXX are guilty I Have reported them to their own fraud and credit card investigations to correct within 30 days. i cant handle all 3 scores faillng from XXXX pts to XXXX since and 2 months in XXXX XXXX and XXXX and last year.. please help 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 non-monetary relief
Consumer complaint received 2022-02-18 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts have been reporting inaccurately. I wanted to dispute these accounts because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled these accounts before because it were not mine. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete these 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 2022-02-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: IL

Complaint narrative:
This loan is constantly being sold to different companies. It has messed up my credit file on several occasions and I was never helped with finding employment through my schools services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts have been reporting inaccurately. I wanted to dispute these accounts because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled these accounts before because it were not mine. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete these 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 2022-02-18 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
This complaint is specifically based on Capital One Auto Finance department 's incompetence and shear disregard for helping a mother of soon-to-be 3 obtain the vehicle 's paper title. My husband and I purchased a vehicle this past year in the state of XXXX We relocated to XXXX for work in order to be near family. We have XXXX XXXX children with our XXXX  child arriving this XXXX, XXXX willing. To register the vehicle in XXXX a paper title must be obtained. Capital One Auto was notified of this prior to this past XXXX ( XX/XX/2021 ), for which they then sent their formal request to the XXXX DMV a week later I'm told. We are still awaiting the paper title and thus have remained unable to drive the vehicle that remains being financed through Capital One and paying insurance on. There have been now over half of dozen phone calls into Capital One, sadly unable to reach a representative who provides help in any positive manner. These actions, rather lack thereof, are despicable. As we've researched and now have seen numerous other complaints from customers filed against Capital One for this exact reason, we are being forced to hire legal counsel for any hope of resolution sooner than later.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXXXXXX / XXXX / {$0.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the adate on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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: CBC Companies, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX Factual Data ran my credit for XXXX XXXX XXXX under false pretense. The original loan applicant was my mother XXXX XXXX and she was seeking to refinance her property. I was told by the loan officer to submit my information but did not know they can not refinance under my name as my mother is the current owner of the property. To which the company apologized but said they do not know how to remove the inquiry. The second time on XX/XX/XXXX they ran my credit again and when approached had no idea why that happened. The company informed me that there must have been a glitch in the system and that once again they do not know how to remove the inquiry off the credit. All the conversations were recorded and can be requested by the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2021 Chase closed my Freedom Unlimited Account ending in : XXXX with no consent or authorization. They then provided me with an automated response that was unclear. In the response provided below Chase stated that my accounts were closed for two reasons that were not specific or clear. Chase then stated " Our decision was based in whole or in part from the consumer reporting agency listed below '' which was XXXX. Then on the very next sentence stated " The consumer reporting agency played no part in their decision '' That statement is a clear contradiction. Chase has discriminated against me under the Equal Credit Opportunity Act and has used unfair practices against me. 

I have contacted Chase numerous times only to get laughed at and disregarded by agents like XXXX a XXXX XXXX who told me that he doesn't need to follow any federal laws because he was in charge. I then informed XXXX of the fact that I am a consumer 15 USC 1692a ( 3 ) and that I am aware of the fact that I am the original creditor and the account belongs to me not Chase as this was an accepted Credit card 15 USC 1693a ( 1 ) held at the federal reserve 15 USC 1693a ( 2 ) ( 4 ), I then informed Chase that they had created an unauthorized transaction 15 USC 1693a ( 12 ) as closure of my account without my consent was a violation as I receive no benefit from such action. 

As the person who extended the credit to Chase I am hurt and distraught at the fact that they would abuse me this way. I can't believe the level of unprofessionalism and their clear disregard of the law. I have been suffering and struggling to eat and take care of myself as I relied on my credit to obtain personal and household services. 

Chase had committed an unauthorized use of my account 15 USC 1693a ( 12 ) and has defrauded me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
On XX/XX/2022 I sent certified mail to this person and they received my dispute letter on XX/XX/XXXX, according to XXXX records. I made this person aware that they are in violation of federal consumer laws. They are reporting false and inaccurate information to consumer reporting agencies. The XXXX explained that since this person has charged off the account that they're reporting, said account is now considered earned income. Income does not get reported to consumer reporting agencies. However, they are actually still reporting the account as a bad debt/charge off which is inaccurate and against federal law. There is a section in the XXXX that governs this person and they are violating federal law in multiple ways, including the XXXX. They should not be reporting any account with my name because I do not have business with this person and I've clearly provided them with enough information about their willful noncompliance and disregard for federal law and enough time to delete the account. They are still reporting this inaccurate information and it needs to stop plus 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 2022-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: American Coradius International LLC
State: CT

Complaint narrative:
American Coradius International LLC is requesting payment for a debt to XXXX. All purchases are immediately paid and my business has no debts with XXXX. This is clearly a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
On XX/XX/2022 I sent certified mail to this person and have my receipt to prove it. I made this person aware that they are in violation of federal consumer laws. They are reporting false and inaccurate information to consumer reporting agencies. They have violated my rights as a consumer and have broken multiple federal laws multiple times! They have had ample time to delete this account and cease reporting it to consumer reporting agencies. This person is obligated to operate in accordance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: FL

Complaint narrative:
Hello, I originally made an appointment for a manicure pedicure with XXXX XXXX XXXX XXXX  in XXXX on XX/XX/XXXX at XXXX. 
XXXX hours before the appointment I sent an email canceling my appointment on XX/XX/XXXX at XXXX XXXX. Their policy states that if you cancel with a less than XXXX hrs notice, they only charge half of the total cost. The total was {$130.00} so they should have charged {$67.00}. 

On XX/XX/XXXX around XXXX I see a charge on my card for {$130.00}. I called the nail salon to see if they could rectify their mistake and they were very XXXX and said that my email went to spam folder so they didnt see it and they refuse to refund me the {$67.00} they unauthorizedly charged. They charged my card in XXXX which breaks their policy. When I put my card number I did it based on this policy so this nail salon is committing fraud. 

I contacted my bank CHIME Multiple times through phone calls and mail and after sending proof like my email canceling the appointment and a screenshot of the nail salon cancellation policy they denied my claim XXXX. I asked for documents stating why they denied my claim and all they sent me is an email with some illegible handwriting. I called chime again and the team member couldnt even read the explanation. Just said that it was denied and he had no more proof. 

The first email I sent to chime with proof for dispute process was on XX/XX/XXXX after finding out my claim was denied. 
The second email with the same proof was sent on XX/XX/XXXX I think it is unfair for the nail salon to break their own policy and charge my card for an unauthorized amount. It is also very upsetting that Chime hasnt been able to solve my problem after evidence from my side was provided, and they havent been able to provide me with any substantial evidence of why it was denied. 

Attached is the cancellation email I sent and a screenshot of the salon policy. 

Im also sending screenshot of my claim being denied twice and the investigation result sent by Chime. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Credit & Collection, Inc.
State: TX

Complaint narrative:
NATIONWIDE CREDIT & CO reported a collection on date XX/XX/XXXX and the last reported was on XX/XX/XXXX for the amount of XXXX XXXX that i never owed to that company and is charging me for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Hello, My name is XXXX XXXX and I am an XXXX American woman. I have worked in financing and credit for 20 years. My credit scores are much lower than XXXX with similar credit. I have viewed hundreds of credit reports of all races and ethnicities. Additionally, I am receiving messages from XXXX XXXX and other online credit reporting apps stating that my rates are higher and my score is lower than many others that have similar credit. My score is in the 500s and I have no collections or major delinquencies. However, what I do have is a social security number that is coded I am a XXXX woman. This is so unfair and I am ready to sue and advocate for change.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
XXXX XXXX XXXX XXXX is requesting payment for a debt to Paypal. All purchases are immediately paid and my business has no debts with Paypal. This is clearly a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Requesting a phone call. Locked out of 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 2022-02-18 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
My name is XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS/ BANKRUPTCY/ INACCURATE INFORMATION AND INQUIRIES from my credit report immediately

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 2022-02-18 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I Called XXXX because my credit scores are dropping. From False reporting of being late with a payment. These accounts are paid in full. And are in charge off status and remain on my reports tillXX/XX/XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ending in XXXX And XXXX XXXX does what they tell them to do. Its a crime they should be fined and jailed Also XXXX and Equifax are guilty I Have reported them to their own fraud and credit card investigations to correct within 30 days. i cant handle all 3 scores faillng from XXXX pts to XXXX since and 2 months in XXXX XXXX and XXXX and last year.. please help me

Company response to consumer: Closed with explanation