vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I found 2 dogs online that I wanted to buy from a person and spoke with her over the course of a few days. Once everything was settled and agreed upon ( {$500.00} each plus shipping of {$180.00} ) she said she was going to ship the dog to me as I live in Texas and she was in Georgia. I asked how that process worked as Im not comfortable with shipping animals and even though its a long drive I would prefer that. She said that the dogs are always shipped with vets that handle their care until I get them and they are never unattended. So I begrudgingly agree. When she takes the dogs to the shipment vet company she sends me an update stating they will be contacting me for a {$1000.00} deposit to rent a crate for transport that is standard and I will get it back once theyre delivered. Halfway through the shipment I get a call from the company stating that they need  insurance papers documenting the orders of transfer/transport and its {$2000.00} to get those papers but it will be refunded once the delivery is confirmed. I didnt accept this one lightly. I argued with them over that but they convincingly made it seem insistent so I did it. I was at work and unable to really focus on the gravity of the how much this screamed scam as I was distracted trying to get end of the day work  completed while also dealing with this nonsense. Afterward they say that the office is closed but theyll get the papers the next morning first thing. As that is taking place I ask what airline they are using as well as flight number and their response was that it was a private plane. The next day I realize how much of a scam Ive been taken for and I call my bank to file a claim. I get another notice as Im talking with my  bank that they are held up in XXXX and need another {$2500.00} for something else and I said that I was on to them and they werent Getting another ounce from me. They threatened animal abuse and neglect charges to scare me into another payment and I said that it contradicted what they said before and how so much of what theyve said has been contradictory. My bank has done nothing to help me and Im out {$4100.00} Im just now finding out that XXXX has no buyer protection - I thought it was like XXXX but since it was backed with my bank it would be safer. Now I feel scammed not just by this XXXX but also my bank. I Have a substantial amount of emails that are too large to attach but can be sent at any time.

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 2020-09-01 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: GA

Complaint narrative:
THESE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE HAD MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRAs. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-09-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
XXXX XXXXComenity Bank failed to give me proper validation of this debt. 

I mailed XXXX XXXXComenity Bank a debt validation request on XX/XX/20 certified mail # XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 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: AL

Complaint narrative:
TransUnion is a mess. I placed a dispute on XX/XX/2020 and received notification from TransUnion this a.m., XX/XX/2020, that the results were in and to log into account to receive them. The results can not be accessed online due to a glitch in the system, and was informed to call the web tech for assistance. The person I spoke with on the phone did not speak clear English and was only able to pull up an old credit report where I still could not see the results of my disputes. There are two disputes, and I do not ever remember getting a notice that the  first dispute back in XX/XX/2020 was complete. The company is in dire need of oversight.

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 2020-09-01 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: TX

Complaint narrative:
equifax XXXX  XXXX  have all my information wrong attached a copy of the wrong information please remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: First Reliance Holdings LLC
State: TX

Complaint narrative:
First Reliance called my mother-in-laws house and left a message saying to reference docket number XXXX in regards to a debt that I owed. The message went on to say that this was being " filed '' in court and they haven't been able to find me at my place of business so I needed to call. I know this is a scam because I have no written proof from this company that it is indeed a true debt. I call and ask for the address of the company. The man immediately got hostile and raised his voice at me asking me why I needed the address. I then went on to tell him that I was reporting him to the cfpb for false debt collection practices. He started screaming at me and then hung up on me.

Company response to consumer: Untimely response
Consumer complaint received 2020-09-01 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: GA

Complaint narrative:
THESE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE HAD MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAs. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 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: GA

Complaint narrative:
THESE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE HAD MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian XXXX. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-09-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
My name is XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, TX XXXX. My phone is XXXX. On XX/XX/2020 I purchased a new XXXX from XXXX XXXX  XXXX Texas. I traded my the. Nissan in for the new one and financed through NMAC. I was told by the dealership that they would be paying off my trade-in loan right away. On XX/XX/2020, a draft in the amount of {$740.00} was removed from my checking account. This had been the loan amount of the vehicle I traded in weeks before that was supposed to have been paid off. I called the dealership and was told by XXXX in XXXX, TX that NMAC in XXXX, TX said that they were sending me a check for the overpayment. It is now XXXX and I still havent gotten my money back. I feel they are fraudulently withholding my overpayment. I have phoned them countless times since this took place and they have promised they have sent the check. I called when I didnt receive it and was told they sent it to the wrong address. I verified my mailing address with them. Bear in mind that this is the fourth vehicle I have financed through NMAC. I know they have my address becI receive promotional material from them frequently. The people with whom I have spoken on the phone assure me my check has been sent. However, after numerous promises of payment XXXX havent received it. The dealership in XXXX TX is Nissan of  XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX, XXXX. NMAC address is XXXX. XXXX XXXX XXXX, TX XXXX. I truly end my money returned to me as promised. This is so unfair and I feel cheated since I have purchased four vehicles loyally fro. The dealership and financed through NMAC. Please help me resolve this. I am getting nowhere with the dealership or the finance company. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 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: TX

Complaint narrative:
XXXX  XXXX transunion have all my information wrong attached a copy of the wrong information please remove it

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 2020-09-01 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: TX

Complaint narrative:
XXXX  experian XXXX  have all my information wrong attached a copy of the wrong information please remove it

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 2020-09-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
COMENITYBANK/XXXX  failed to give me proper validation of this debt. 

I mailed COMENITYBANK/XXXX  a debt validation request on XX/XX/20 certified mail # XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 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: MI

Complaint narrative:
I am disputing XXXX  cred agency, because of the covid 19 disaster, I had to shut down 3 businsseses, all of my loans and credit cards have reported delinquent starting from XX/XX/XXXX, They should not be able to be reporting lates during the covid 19 when everything was shut down, and I still have 2 of my business shut down, I would like these late payments removed as I am trying to get an sba loan to help get them up and running and this is hurting my credit, I have disputed with my creditors and with XXXX and nothing was resolved to take off the late payments that were reported, when it was not my decision to shut these businsses down and have no money to pay these bills on time, since then I struggled to get them all up to date but the late payments from XXXX to XXXX should be 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 explanation
Consumer complaint received 2020-09-01 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: General Motors Financial Company, Inc.
State: WA

Complaint narrative:
I am receiving collections calls and see in my report accounts and loans that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: WI

Complaint narrative:
I made my first purchase with coinbase on XX/XX/2020 for {$1000.00} and it took almost 2 months before it appeared in my wallet and I had to verify my identity about six times before it ever appeared in my wallet. So it took that long to get that one settled and now I had made a second purchase of {$1000.00} in coinbase on XX/XX/2020 and that one has yet to appear in my wallet or history or anywhere in my account. I have the bank statement that shows coinbase took the money from my account. I have emailed the complaint department several times with no results. I have verified my identity with them several times and it always comes back stating it will take up to 10 days for an answer and no results. I can't believe a company that works with millions of accounts can be so sloppy in their work. Can you help me? My email address is XXXX. 
Thank you for your time, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 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: AR

Complaint narrative:
I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. XXXX/XXXX  XXXX XX/XX/XXXX XX/XX/XXXX {$5000.00} XXXX/XXXX  XXXX XX/XX/XXXX XX/XX/XXXX {$500.00} XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XX/XX/XXXX {$6100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 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: AR

Complaint narrative:
I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. XXXX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$5000.00} XXXX/XXXX  XXXX XX/XX/XXXX XX/XX/XXXX {$500.00} XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XX/XX/XXXX {$6100.00}

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 2020-09-01 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: SYNCHRONY FINANCIAL

Complaint narrative:
I paid Care Credit by mistake online on XX/XX/2020 for {$4800.00}. Care Credit account is handled by Synchrony bank. The payment was meant to pay my Visa account. 

XXXX XXXX  tried several times to contact Syncrony bank to return the mistaken payment but did not get any respond. Then I tried to fax the details of the payment I got from XXXX XXXX with request to return the mistaken payment. I did this three times in three weeks of XXXX but also went unanswered. 

I tried reaching out to Synchrony Bank customer service to get connected to their department that handled unapplied account payment but always put on hold and then disconnected. 

I used to have Care credit account but it was closed a long time ago. I don't owe them anything.

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 2020-09-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc.
State: WI

Complaint narrative:
SWISS COLONY failed to give me proper validation of this debt.

I mailed SWISS COLONY a debt validation request on XX/XX/20 certified mail # XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 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: NY

Complaint narrative:
On XX/XX/XXXX I reached out to Transunion in order to dispute inaccurate negative accounts on my report. I never received any investigation results from them to date ( XXXX ). Transunion received my dispute on XX/XX/2020 and have not investigated these incorrect accounts. This is hurting my credit immensely! The incorrect accounts are from XXXX XXXX XXXX {$800.00} and from XXXX XXXX for {$1300.00}. I have disputed the accounts with the creditors directly with no response for my debt validation request.

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 2020-09-01 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: FC HoldCo LLC
State: TX

Complaint narrative:
This complaint is related directly to Flagship Company who I am in a current contractual agreement with regarding my vehicle. On XX/XX/2020, I called in and spoke with XXXX who is a manager in  collections provided a verbal authorization for a 1 month deferment for my XX/XX/2020 payment ( which would be 14 days past due at the time ). Upon calling to make my XX/XX/2020 payment on XX/XX/2020 I was advised that I was still due for the XXXX payment. I informed that although the verbal authorization was notated on the account, the required paperwork was not sent out to me to complete the deferment. I would have no indication of that just being a borrower not an employee and in regards to speaking with a manager I would have thought that all the necessary requirements were completed. Due to Flagships negligence, I received a 30 day marker for my XXXX payment in which I have never been late on the account since I've obtained the loan. I feel that because this is an error on Flagships part in regards to NOT sending the required paperwork, I should not be penalized because the ball was dropped on their end. This 30 day late marker has impacted my credit report tremendously. I hope that you will take the time to review my request and find it have this corrected expeditiously.

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 2020-09-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
KOHLS/CAPITAL ONE failed to give me proper validation of this debt. 

I mailed KOHLS/CAPITAL ONE a debt validation request on XX/XX/20 certified mail # XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation