vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-10 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
To whom it may concern, Thank you for service. 

This complaint is concerning a XXXX XXXX credit card account. This account was opened XX/XX/XXXX. It reports on my consumer file as XXXX. This account was closed and charged-off as a bad debt and sold to XXXX ( XXXX XXXX XXXX ). I paid the account if full to XXXX XX/XX/XXXX. They in turn removed there mark from my consumer file. This account is closed and reports to TRANSUNION ONLY as CLOSED, PAID IN FULL by XXXX XXXX and still remains on my consumer file today. 
A cancelled debt or a charge-off is considered income according to the most recent IRS instructional publication. Furnishers of information are required to report debt to the consumer reporting agencies, not income. Why is this account still being reported? XXXX XXXX never sent me a 1099c. 
15 U.S. Code 1681s-2 clearly states the duty of furnishers of information. Its states they shall not furnish any information relating to a consumer to any consumer reporting agency if the person ( corporation or company ) knows or has reasonable cause to believe that the information is inaccurate. I have put them on notice numerous times. I have disputed this account personally over 10 times and have hired 2 separate companies to get this item remove from my consumer file. The inaccurate reporting of this account has been detrimental to me and my familys ability to obtain credit and to qualify for a XXXX Veteran Home Purchase. I am demanding that XXXX XXXX remove this inaccurate and invalid information from my consumer report because they are in clear violation of the law. 
Thank you for your time, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-10 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: Kriya Capital, LLC
State: NY

Complaint narrative:
I was alert by XXXX XXXX that there was a collection in my credit report. 

Thats how I found out about credence resource management company. First of all, I never received any letter of intent to collect debt from them. They claimed the sent letter to my house. I told them I moved but my family still live there and I still collect my letters there. So I asked for a copy of proof for original letter they sent. THEY COULDNT EVEN DO THAT. they were stalling. I tell you why I asked for proof because 1. I have a post office account where they scanned all letters into system 2. We can see which letters are going to be deceived each day 3. So if they give me a copy and I can look back to the date of that week and see if it was actually deliever or not. But they couldnt produce it for me. So they lying.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX I wired {$390000.00} from my account with XXXX XXXX XXXX  to Chase Bank to be credited to The Law Firm of " XXXX XXXX XXXX XXXX XXXX XXXX, Account # XXXX on XX/XX/XXXX, I became aware of the account # being compromised/wrong #. I immediately notified Chase Bank via my XXXX XXXX XXXX  of the error and requested a XXXX Wire Recall. Needless to say Chase Bank never verified that the recipient name being " XXXX XXXX XXXX XXXX XXXX XXXX '' & account number " XXXX '' DO NOT MATCH their depositor information. Chase Bank, knowing this information, went ahead and credit my hard earn money into this fraud account. The fraudster account holder then cash out the account and closed it thereafter with Chase. See my letter to Chase Bank herein being attached and make apart of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 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: UPGRADE, INC.
State: CA

Complaint narrative:
I made two purchases for {$300.00} on XX/XX/XXXX from a vendor, XXXX. I never received the merchandise. XXXX issued two {$300.00} refunds on XX/XX/XXXX. Upgrade processed one refund of {$300.00} on XX/XX/XXXX, and charged the credit card for {$300.00} on XX/XX/XXXX. I called Upgrade this morning and spoke to XXXX XXXX. She said they did not process the second refund because there was incoming activity on the card. I dispute that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 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: NJ

Complaint narrative:
discover card is paid off i have tried to dispute with TransUnion and have been unable to access TU

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 2022-02-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Colony Brands, Inc.
State: SC

Complaint narrative:
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by the Scammer, all of which aim at contributing to the goal of robbing and defrauding innocent people. 
Money was transferred from my account via debit card, and through an intermediary named XXXX XXXX, XXXX, XXXX in the total amount of XXXX USD

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 2022-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I received a notice from my credit monitoring service stating that my credit score dropped 31 points because of inquiries. I have not applied for any type of credit since XXXX of 2021. This is why I am constantly complaining about Trans Union adding wrong and erroneous information to my report causing irreparable harm to me and my family. I am very tired of having missing information put on my credit profile. Why do the CFPB exsist if they are not going to make this corporation do the right thing. They should not be in business if they can't report correct information.

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 2022-02-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: MARINER FINANCE, LLC
State: GA

Complaint narrative:
i ran into financial problems the account was charged off the company continue to add interest

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: OPTUM BANK, INC.
State: NY

Complaint narrative:
I initiated a transfer of funds from an XXXX account held by Optum XXXX on XX/XX/22. I filled out a transfer form on XXXX 's web site to make the transfer, and updates on the XXXX site indicated the transfer was in process and should be completed by XX/XX/22. 

I called XXXX on XX/XX/22 to ask why the transfer wasn't complete, they had no information, had not done any follow up with Optum, and told me I had to call them. So this is complaint XXXX - their website implies they will handle the transfer, but there is no follow up. 

I called Optum on XX/XX/22, they had no available record of the transfer request and said they will " investigate '', but warned me it can take 6 weeks to transfer the account. I'm guessing they're not sending rolls of coins on horseback to XXXX, this is a ridiculous amount of time to transfer an account, while charging me monthly fees. So complaint 2 is why Optum doesn't have record of a transfer request and why it will take 6 weeks to do an electronic transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Army and Air Force Exchange Service
State: VA

Complaint narrative:
I am a 29 year service member who have given years to this country and is being treated horribly by my own organization. I had an account with the Army and Air Force Exchange Service since XXXX and was in good standing until I had an emergency health crisis in XXXX. I had an account balance of {$4400.00} ( XXXX ) with a credit limit of {$7400.00} which I paid regularly. When I had my emergency XXXX XXXX I hired a organization to handle my financial situation since I wasn't able to and unfortunately they didn't keep their policy, took my money, I lost my home and they filed numerous bankruptcies illegally. After I regained my health I became aware of the financial situation the organization put me in and started reaching out to my creditors. None of them including Military Star would not talk to me because of my " bankruptcy status ''. Thankfully the US trustee became involved and took my case to court and won. I tried to reach out and explain several times to Military Star that I wanted to resume payments on my account and they refused to accept my payment due to the bankruptcy situation even though I explained my identity was compromised and those were not legal bankruptcies. I have been charged interest for years without them being willing to take monthly payments from me even to this every month for a situation I didn't cause. My total has risen to {$6900.00} almost {$3000.00} in fees. How is my account in collections but I'm still being charged interest years later? Even before the account was put into collections they would not let me resume monthly payments. It is reported on my credit report that I made a payment in ( yet it isn't reported in the payment block, so many deceptive practices ) XXXX I haven't made one payment since XXXX. When I request to make payment or request documents showing they can charge interest on a collection the representatives were rude, refused to work with me and threatened me ( told me they are the government ). I have never been treated so badly by a business. I have a block on my SSN and can not use the Post Exchange that is supposed to be for me. Now they are also taking my tax returns this is totally ruining my chances of getting a place to live as I am now homeless. Because this is on my credit I can't even get a place to live. I will be filing a complaint with the XXXX XXXX XXXX and whoever else I need to because Noone especially a service member should be treated this way. I am discomposed and disillusioned by XXXX XXXX and XXXX because it is supposed to be supporting the service members and their families.

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 2022-02-10 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
WELLS FARGO DEALER SVC  / 30 days late 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) 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.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) 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.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) 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.

( 7 ) 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 explanation
Consumer complaint received 2022-02-10 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
Date : XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Navy Federal Credit Union XXXX XXXX XXXX XXXX, VA XXXX XXXX : DXXXX XXXX XXXX XXXX  : ADVERSE ACTION DATED XX/XX/2022 Recently, I, XXXX XXXX, was denied an extension of credit by Navy Federal Credit Union XXXX On XX/XX/2022, I applied for the Cash Rewards Visa. 

As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). Navy Federal Credit Union has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 Since the letter you sent me dated XX/XX/2022 is both a proof and evidence that I have been discriminated against, you are also criminally liable. Navy Federal Credit Union should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. 
Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. 

BEST, XXXX, XXXX Without prejudice, all natural inalienable rights reserved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WAKEFIELD & ASSOCIATES, INC.
State: SC

Complaint narrative:
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 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: AES/PHEAA
State: NY

Complaint narrative:
I was alert by credit karma that there was a collection in my credit report. 

Thats how I found out about credence resource management company. First of all, I never received any letter of intent to collect debt from them. They claimed the sent letter to my house. I told them I moved but my family still live there and I still collect my letters there. So I asked for a copy of proof for original letter they sent. THEY COULDNT EVEN DO THAT. they were stalling. I tell you why I asked for proof because 1. I have a post office account where they scanned all letters into system 2. We can see which letters are going to be deceived each day 3. So if they give me a copy and I can look back to the date of that week and see if it was actually deliever or not. But they couldnt produce it for me. So they lying.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Outsource Group, Inc
State: PA

Complaint narrative:
I was contacted 3 times by Medicare prior to receiving a statement from them. I received the statement regarding a bill from XXXX XXXX. I called Medicare and requested additional info. They said I had to call XXXX. I requested information from XXXX XXXX. I then contact Medicredit to advise I was awaiting additional information but would make a one time good faith payment of {$50.00} until I receive the requested information. XXXX at Medicare took a one time {$50.00} payment over the phone. The next day I received notification from my bank of 2 {$25.00} charges from a company name I did not recognized. The 2 {$25.00} payments were flagged and my debit card marked hot and I did not recognize the name of the company nor the amount of the charges. I had to leave work early and go to the bank to correct the problem. I called Medicredit after finding out the charges were from them. However, the charges appeared as 2 {$25.00} payments and the name of the company was not Medicredit. I asked to speak with a manager and was told I would receive a call back. I did not. I called again today. I spoke with a manager XXXX and explained I believed the 2 charges of {$25.00} to a company name I was never given was fraud. XXXX said I have 2 balances with XXXX. Their system is set up to apply the payments to the oldest bill. I advised her that I did not give Medicredit permission to make 2 {$25.00} charges. No one told me the charge would be split nor did they tell me the charge would be made under a completely different name. I gave permission for one {$50.00} charge only. I believe Medicare committed fraud by making 2 separate {$25.00} charges to my account without permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I received a text message in XXXX that I had a balance due on my Citi Bank credit card ending in XXXX. I paid the card off and had a {$0.00} balance. I looked at my account and there were 15 charges occurring from XXXX totaling an amount of {$530.00}. I immediately called the credit card company and reported the charges as fraudulent. They removed one of the charges to XXXX XXXX XXXX XXXX for {$11.00}. I further disputed the case sending them documentation were I work and I was working in a city 3 hours away on those dates. I am still going back and forth with the Citi Bank credit division. I filed a police report with XXXX Police Department, XXXX, TX. Report # XXXX with 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 monetary relief
Consumer complaint received 2022-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Capital Link Management, LLC
State: NC

Complaint narrative:
Multiple calls from two numbers : XXXX Call asking for an " XXXX '' ( After finally calling the company back, the communication was EXCEEDINGLY rude, and I was hung up on after asking for them to identify themselves and WHY they continued to call me. Particularly when I had said I didn't know who this person was. ) and XXXX Call asking for a " XXXX '' ( Multiple calls. Final call was with harsh communication stating there had been " several letters sent on letterhead ; very much a lie. And threats of legal action. Also tried to call back, left messages to have them call back and identify themselves, with no response, after I stated I was NOT XXXX nor did I know who this person was. )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 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: Synovus Bank
State: TX

Complaint narrative:
XXXX XXXX, the consumer sent out a notice with my id and bank statement for proof f address regarding the transaction and experience reporting on my consumer report. First Progress is reporting utilization on my credit card which is a clear violation of 14 USC 1681a2 ( A ) ( i ). Not only that but late payments are being reported which is a clear violation of 15 USC 1666b.

Company response to consumer: Closed with explanation