vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-25 00:00:00
Product: Debt collection — Other debt
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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS

Complaint narrative:
In XXXX I attempted to pay this company some of my balance and I was told I couldnt do that. I paid the amount of {$860.00} and the clerk pocketed the payment and didnt report it. I would like this report off 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 explanation
Consumer complaint received 2021-05-25 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 — Investigation took more than 30 days
Company: LEXISNEXIS
State: NC

Complaint narrative:
In XXXX of 2021, I contacted Lexis Nexis Risk Solutions Consumer Center via certified mail to challenge the validity of an alleged bankruptcy that Lexis Nexis have listed on my consumer report. Lexis Nexis responded via mail that their bankruptcy reporting is accurate, and that Lexis Nexis verified the bankruptcy by contacting Virginia Federal Bankruptcy Court. I, too, contacted Virginia Federal Bankruptcy Court on XX/XX/2021, and was informed in writing on XX/XX/2021 that Virginia Federal Bankruptcy Court did not verify any information with Lexis Nexis. On XX/XX/2021, I contacted Lexis Nexis via certified mail and requested that Lexis Nexis provide me with the detailed method that Lexis Nexis used to verify the the validity of the alleged bankruptcy. Lexis Nexis has failed to respond within the allotted 30 business day time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC
State: VA

Complaint narrative:
Gemini app i purchased doge coin XXXX dollars and lost XXXX tried to withdrawal the rest its been 8 business days no answer from emails the number they have is not the number for the company belongs to an individual i have exhausted all resources they provide for contact still no anwer and on XXXX  they had atleast 400 complains about the same thing dont know what else to do

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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: AZ

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: MoneyLion Inc.

Complaint narrative:
On XX/XX/2021, I received emails to my email account from Moneylion.com telling me that my phone number had been changed on the account, that a bank card was on the way to the address listed on the account, and that a virtual card was ready for use. 

The problem is : I never opened a Moneylion account, and though I am American, I do not live in the United States and have not for several years. The address on the moneylion account is an American one in my hometown, but not an address I recognize. 

The phone number on the account is in XXXX, Texas, a place I have never visited. My name, though misspelled, is on the account. I can not view the social security number they used so i can not confirm if they used mine or someone else. I subsequently changed the password on the account to lock out whoever was using it, so all they have done is upload {$190.00} to a XXXX account. 

The same day, I submitted two complaints to the company via their online submission form telling them that someone had opened an account in my name and with my email and that I wanted it closed. I only received one response telling me to call. I have called, via XXXX XXXX ( which used an American phone number ), and got no answer. 

There are no options on the website, either computer or mobile, to close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Klarna AB
State: PA

Complaint narrative:
Klarna rep XXXX reffered a issue of klarna merging a unknown balance on to my account and was told that this required a speacilist team more than 30 days went by and no speacilist had contacted me. Tried to message klarna and was told I was reported to collections. Under the FRCA, and Fair Debt collection practice act. a account balance In dispute does not constitute going to collections

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: PRIORITY FUNDING, LLC
State: AZ

Complaint narrative:
This entity has a manufactured home title fraudulently registered in my name, in XXXX XXXX, AZ. During the title transfer process, the same entity continuously engaged in forging documents, threats and extreme harassment.The incidents occurred less than 48 months ago. The same lender refuses to transfer any tile.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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: OK

Complaint narrative:
I attempted to amend the past due balance and also clear the past missed payments Account is charged off and have not had success getting an resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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: OK

Complaint narrative:
I attempted to amend the past due balance and also clear the past missed payments Account is charged off and have not had success getting an resolution

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 2021-05-25 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: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I applied for the Apple credit card and was notified that all I needed to do was added XXXX XXXX wlet to use. Apple XXXX keeps making me apply again because I not using the correct apple ID. Contact apple to notify them that I never open through a different apple I'd but she in the process of fixing it The person that open account already called and close the account. They are able to pull up my social is so that I have had an account open but show that it was closed. Now theyre not allowing me to open up a new account because he keeps on denying me. Purchases which also made all my XXXX XXXX XXXX do you Apple and XXXX And I provide them all information and they are still unable to pull up any information even though I have receipts proving it. The person is calling in changing information and blocking my accounts so Im unable to access them and purchase anything to Apple. I have 10 college and I need to purchase equipment in order to finish my degree in an able to need assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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: CA

Complaint narrative:
I sent mail twice to Equifax with copy of SSN and driver 's license etc in order to correct my personal information. 
They did not process my mail and did not correct my info. 
They do not seem to process mails.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have filled a dispute in regards to the incorrect information on my credit report. It has been well over 30 days and I have not received any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I need my previous address delete immediately because I never live there

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 2021-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc.
State: WA

Complaint narrative:
Binance asked for a memo on my transaction. I input the memo incorrectly. I have tried reaching out to recover my funds. But it has been two months now and they have yet to look into my claim. Binance is a FRAUD

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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: EQUIFAX, INC.
State: CA

Complaint narrative:
There are 4 inquiries on my credit report that I dont recognize I have not approved or know what these are for I have not approved these inquiries and I need to remove these from my credit report since they do not belong to me. 

XXXX - Inquiry date : XX/XX/XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
Rushmore loan servicing is refusing to work with us during the pandemic. Rufuse forbearance for our hardship. Sent us into foreclosure. Now what?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are 4 inquiries on my credit report that I dont recognize I have not approved or know what these are for I have not approved these inquiries and I need to remove these from my credit report since they do not belong to me. 

XXXX - Inquiry date : XX/XX/XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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: AmeriCollect
State: TX

Complaint narrative:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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: Affirm Holdings, Inc
State: TX

Complaint narrative:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
They tried to compromise and stole my information and account without my consent.

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 2021-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
They tried to compromise and stole my information and account without my consent.

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 2021-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
They tried to compromise and stole my information and account without my consent.

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 2021-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
They tried to compromise and stole my information and account without my consent.

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 2021-05-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: American Credit Acceptance, LLC
State: FL

Complaint narrative:
I took out a used auto loan with American Credit Acceptance LLC in XX/XX/2015. 
The interest rate was very high but I had terrible credit due to a divorce and bankruptcy so I was alright with that. I set up auto pay for my monthly payments which were due on the XXXX of each month. Almost immediately each statement reflected late charges and additional fees not to mention the interest charged was most times twice what was applied to the principle. This continued on for about a year and suddenly my statements only showed my payments being applied to interest only. I even paid well above the minimum payment for several months but it never went to the principle. I contacted ACA a few times but was never given a good explanation why this was happening and why the late/additional fees. I continued to make my payments for approximately another 3 1/2 years and gained very little ground on the principle. I lost my job and could no longer make payments but the vehicle should have been paid off by then. I received a repo intent letter and I jumped through hoops and was able to convince a family member to help me out with a settlement. I contacted ACA and made a fair pay off offer but they refused it. Covid hit and ACA had to pull back on the repo but they still contend that the only way I can get the title is to pay off the existing balance including all the late/additional fees that has accrued since this all began. The balance payoff is nearly as much now as the original cost of the vehicle. As soon as the Covid crisis is over and they can legally come after my vehicle they will initiate another repo attempt. I have already paid thousands of dollars over the original price and I feel that this company is heartless and predatory in nature and someone needs to stop them from continuing this way.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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: CA

Complaint narrative:
XXXX, Equifax and XXXX are reporting 9 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to Equifax, XXXX and XXXX since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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: Flagstar Bank, N.A.
State: FL

Complaint narrative:
In the month for XX/XX/2021. I was dealing with XXXX  XXXX XXXX complications but was able to submit my payment through flagstar online payment portal for some reason they are saying that they didn't receive the payment when I made the payment. They have added a late remark on my credit reporting when the payment was made. I would like the remark removed especially since I logged in to pay. They have no sympathy for anyone especially since I was sick and still managed to pay them throughout the entire Pandemic. This is not Company that is for the people.

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 2021-05-25 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: American Coradius International LLC
State: PA

Complaint narrative:
Received a letter stating I owe to XXXX which doesn't make any sense since I have a credit and my account is attached to several forms of payment. This is obviously a scam.

Company response to consumer: Closed with explanation