vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I have been affected by covid 19 disaster and requested a forbearance for card ending XXXX was granted in XXXX over phone and was told that I will not be required to make any payment, contacted them in XXXX and XXXX and was told the same that the account has been closed and put on forbearance, the negative reporting on my credit report was a error by the bank and will be removed., in the month of XXXX I called back and called bank several times phone, email, bank was closed to customersdue to COVID. The mobile app WAS LOCKED BY THE BANK will not let me make any payment, or transfer money from another bank account, OR MAKE ANY PAYMENTS TO MY CREDIT CARDS .Then they put three months late payment for XXXX, XXXX and XX/XX/2020 on my credit report with XXXX & XXXX . 
saw bank Manager Ms XXXX XXXX at the XXXX XXXX XXXX XXXX on XX/XX/XXXX at XXXX XXXX to make the payment and resolve this and was promised that it will be fixed. As I sent an email to Ms XXXX next day the Bank manager went for leave next day for three months as per her email. Their billpayer department accepted that it was a bank error and will be fixed ; I deposited money in my saving account-through teller same day to make payments and the check was put on hold on XXXX XXXX and XXXX XXXX they put another 30 day late payment on my credit report on account ending XXXX. 
They will not answer phone, put on hold for long durations and disconnect once they pick up the phone.This is how the way things have been for several months with Bank Of America.

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 2020-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Orions Management Group, LLC
State: TX

Complaint narrative:
Several months ago I received a call from Orion stating that my BROTHER owed them money. They left a voicemail saying to contact them to get in touch or pay the balance. I forwarded this to my brother, and he said he had no clue how they got my info. He did not share. I didnt know what it was about. He said it was about furniture his ex-wife rented, but that there was no way they should have my info. I blocked them back then. Today ( XX/XX/2020 ) I got another unknown number call. It was the same company leaving a message to collect money from my brother. I assumed it was for the same thing. It was. My brother called, and the guy said, Why should we stop calling your family if you wont pay us? 
This is utter harassment! I am not my brother, I dont own his debts, and I am appalled by this companys actions! They did skip tracing to even get my info. And to use that, I believe, is illegal ... especially to threaten those uninvolved except relation ... names never provided. I need this to stop! 

I dont know what the debt is that they are looking for. My brother has asked them to stop on numerous occasions, but specifically several times between XXXX on XX/XX/2020 he tried. My mom said she has no idea what they are talking about, so stop calling, but they have not. 

My brother has repeatedly asked them to stop harassing any family and contact him directly. They have not done so, and seem to use this as a tactic. 

I have the VM but can not upload the file ...

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 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: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
XX/XX/2016 Someone wrote me a check and out bounced and XXXX  XXXX XXXX closed my account and reported it as fraud. I had all my documentation yet they wouldnt let me dispute it nor did they do a thorough investigation.

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 2020-07-09 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: AR

Complaint narrative:
I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.

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 2020-07-09 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: World Omni Financial Corp.
State: NC

Complaint narrative:
On XX/XX/XXXX I requested a copy of amount of money owed before financed amount was XXXX original contract is XXXX. After several series of events to service on my car. I started researching the sale paperwork. Several service that was denied was on the contract paperwork. On XX/XX/XXXX the owner of dealership lied to our Department of Justice in a letter. Lied about the XXXX XXXX protection, Lied about XXXX XXXX Warranty that I was charged for. Lied about mistakes made on XXXX Insurance. I reported this information to the Loan provider that the sale contract was incorrect acknowledgement made on XX/XX/XXXX. The Owner advised department of Justice that he sent the finance company a refund on the incorrect gap insurance. I have had 5 reply letters that the loan company was investigating this matter. I Paid a payment on XX/XX/XXXX and parked the car at my nearest XXXX dealership. I gave them 30 days to address the Service and Sales Contract they failed to address the matters. According to our state Lemon Law within the first 24 months Service and Contact issues must be resolved. They failed to address Lawful requests. Now It is against the Law to lie to any Law enforcement agent.Evidence and contracts support. And on XX/XX/XXXX this company is allowed to continue breaking the Law and being unjust. Given this companies history of discrimination and the failure for me to get Justice.  They continue to break the Fair Credit Reporting Act. Even with all the evidence of a unjust contact. They are still allowed to damage my stellar payment history and good name

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 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: TN

Complaint narrative:
I obtained my credit report at the end of XX/XX/XXXX. I saw that XXXX XXXX XXXX XXXX reported me late one time in the month of XX/XX/XXXX. Immediately I thought there has to be a mistake. One reason is that I have auto pay and I was on short-term XXXX during this time and informed the Credit Card Company of my situation. I have three letters from the bank stating they can not help me and they do not make goodwill adjustments which is fine. What is not fine is that XXXX XXXX is in error because that one late payment should not be on my report. I proceeded to send an email to XXXX where I received a phone call from a representative stating they received all 10 of my emails and they have determined they can not remove my late payment from the credit bureaus. I asked the rep to explain to me how they investigated my autopay, the fact that I notified them that I was on short-term XXXX from XXXX XXXX XXXX XXXX ; how did they do a proper investigation and he stated they did not investigate my autopay. That is absurd!!!!!!!! I want my late payment removed from all three credit bureaus due to an error on XXXX XXXX Part.  Furthermore, doesn't XXXX XXXX offer services for when their cardmembers are not working. Why give me a late payment during the time I was on XXXX. I have sent many letters to the credit bureau, to XXXX XXXX, and I have emailed my short-term XXXX papers to XXXX XXXX. Please help.

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 2020-07-09 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: TN

Complaint narrative:
I obtained my credit report at the end of XX/XX/XXXX. I saw that XXXX XXXX XXXX XXXX reported me late one time in the month of XX/XX/XXXX. Immediately I thought there has to be a mistake. One reason is that I have auto pay and I was on short-term XXXX during this time and informed the Credit Card Company of my situation. I have three letters from the bank stating they can not help me and they do not make goodwill adjustments which is fine. What is not fine is that XXXX XXXX is in error because that one late payment should not be on my report. I proceeded to send an email to XXXX where I received a phone call from a representative stating they received all 10 of my emails and they have determined they can not remove my late payment from the credit bureaus. I asked the rep to explain to me how they investigated my autopay, the fact that I notified them that I was on short-term XXXX from XXXX XXXX XXXX XXXX ; how did they do a proper investigation and he stated they did not investigate my autopay. That is absurd!!!!!!!! I want my late payment removed from all three credit bureaus due to an error on XXXX XXXX XXXX. Furthermore, doesn't XXXX XXXX offer services for when their cardmembers are not working. Why give me a late payment during the time I was on XXXX. I have sent many letters to the credit bureau, to XXXX XXXX, and I have emailed my short-term XXXX papers to XXXX XXXX. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 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: TN

Complaint narrative:
I obtained my credit report at the end of XX/XX/XXXX. I saw that XXXX XXXX XXXX XXXX reported me late one time in the month of XX/XX/XXXX. Immediately I thought there has to be a mistake. One reason is that I have auto pay and I was on short-term XXXX during this time and informed the Credit Card Company of my situation. I have three letters from the bank stating they can not help me and they do not make goodwill adjustments which is fine. What is not fine is that XXXX XXXX is in error because that one late payment should not be on my report. I proceeded to send an email to XXXX where I received a phone call from a representative stating they received all 10 of my emails and they have determined they can not remove my late payment from the credit bureaus. I asked the rep to explain to me how they investigated my autopay, the fact that I notified them that I was on short-term XXXX from XXXX XXXX XXXX XXXX ; how did they do a proper investigation and he stated they did not investigate my autopay. That is absurd!!!!!!!! I want my late payment removed from all three credit bureaus due to an error on XXXX XXXX XXXX. Furthermore, doesn't XXXX XXXX offer services for when their cardmembers are not working. Why give me a late payment during the time I was on XXXX. I have sent many letters to the credit bureau, to XXXX XXXX, and I have emailed my short-term XXXX papers to XXXX XXXX. Please help.

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 2020-07-09 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX  and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I am trying to link my PNC checking account to my XXXX investing account and it won't let me. Pretty frustrating. I have gone through all of the security steps required, so it should let me do as I choose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 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: GA

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX XXXXd there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2020-07-09 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: GA

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX Company Inquiries : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2020-07-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: TX

Complaint narrative:
XX/XX/2020 sum of {$2900.00} was sent from USA to XXXX through Western Union online service. 
No transfer fee was charged for the {$2900.00} sent at XXXX XXXX XXXX to a dollar. 
The {$2900.00} was deducted from my back account instantly accordingly. 

By Monday XX/XX/2020 when the receiver did not get the money, I checked my western union online account and confirmed the money is " In progress '' at Western Union end. I was informed by western Union that the money transfer did not go through and that the money would be cancelled and refunded. Was assured that the refund would enter my bank account between 3-5 days. 

I have not seen the refund, my bank said Western Union did not send the refund. From XX/XX/2020 to XX/XX/2020 the money has been " in progress '' per Western Union online report attached. I complained to Western Union through phone and emails severely ; complaint number is # XXXX. XXXX # XXXX XXXX XXXX is tracking number of the {$2900.00} " in progress ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
On XX/XX/2020, I had purchased tickets for a baseball game from XXXX using my Citibank card. Subsequently, the games were cancelled, and the tickets were never delivered. 

On XX/XX/2020, the president of XXXX, XXXX XXXX XXXX, sent an email affirming that customers with cancelled events have two options : to receive a full refund, or to receive a coupon. 

On XX/XX/2020, XXXX customer support sent an email saying that the event had been cancelled, and they were offering a coupon, not a cash refund. That same day, I attempted to contact customer support via chat to arrange a refund. I was kept waiting for hours and then disconnected. I sent a message to XXXX customer service requesting a refund, using their web-based customer support interface. No response was ever received. 

So, on XX/XX/2020 I initiated a dispute for the transaction with Citibank. On XX/XX/2020, it was resolved in XXXX XXXX favor without explanation. The dispute interface shows a link that " provides details about the resolution '', however, the link goes to a page with no information. 

Furthermore, they have a " Secure Message Center '' that does not allow customers to send messages. I contacted a representative via their chat interface, but they couldn't tell me why the dispute was resolved the way it was, nor any steps to redress the situation.

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 2020-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: NRA Group, LLC
State: NJ

Complaint narrative:
My parents have been receiving a call repeatedly from XXXX. They weren't answering it, because they usually are wary of picking up the phone for unknown callers. My mom picked it up just the other day to see if it was important and to see why they kept calling. The woman on the phone said she wanted to speak to me ( I have gotten married in the last year, and I am no longer living with my parents ). My mom asked why she wanted to speak to me, and the woman just said, " It's a private, personal matter. '' She didn't say anything else. My mom said I wasn't available, and then the woman hung up. My mom told me, so I looked up the number, and it is associated with the National Recovery Agency, a debt collection agency. My husband and I are on top of our finances, have excellent credit scores, and we have paid off my student loans and our car loans. We pay our bills and our mortgage on time, so I have no outstanding debt. These calls sound like an attempt to get money out of me that I do not owe.

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 2020-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: TX

Complaint narrative:
ERC is reporting an account from XXXX that is fraud. I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files.

Company response to consumer: Closed with explanation