vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/21 an unauthorized wire transfer in the amount of {$29000.00} was deducted from my Citibank checking account. On that day my cell phone went dead for XXXX, during this time, the account was hacked. I XXXX learned of the unauthorized wire when I went to XXXX to see whats the issue with my phone, they informed me that my sim card is defective. When I replaced the sim card and rebooted my phone, the security alerts came in from my gmail account stating it was compromised, and at this time I also received an email stating that {$29000.00} has been released from my citibank account. I immediately called the fraud department, informing them of the fraud and that I did not authorize nor initiate any type of wire transfer. I explained to them that I might have clicked on a citibank text that took me directed to my citiapp, and they informed me that this could possibly be a scam. Where is the protection for the consumer, I clicked on a citibank link that took me to my citiapp, how would the consumer know. When I was in the app, I simply logged in, nothing else. The bank denied my claim, and said they will not credit back the {$29000.00}. I am a XXXX XXXX XXXX of XXXX, and a citibank XXXX for the past XXXX, I expect to be treated as a productive citizen. Please assist.

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 2021-11-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Higher Level Processing
State: TX

Complaint narrative:
Ive been with the the company higher level processing for at least 7 years. I was told when I enrolled that my loan withdrew be forgiven after 5 years in a title 1 school. And yet Im still paying. They constantly change the story and plan even when I dont authorize it. Ive tried to ask to talk to a supervisor and never get to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I wanted to apply for capital one quick silver but it seems they have another card as well capital quick silverone as well which has a yearly fee .The names are so similar and as XXXX without desktop amd looking stuff up on a tiny mobile I accidentally clicked on that ..if the product are different shouldnt they try maybe different names so that for people like me applying for a card while juggling a lot of things accidentally click a wrong one..or is that what they are hoping for? That people accidentally click and they get money? i got a email immediately confirming my approval in which they mentioned my benefit which was same a quick silver but convienently didnt mention the fee ..i realised it was different only when i noticed the charge .now i am stuck with it because closing will effect my crdit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have filed a complaint with Bank of America with theft off a prepaid card. This card had prepaid money on it that was stolen directly from the bank. There is not an active card open but stealing from the balance of this card. I received a {$6.00} check from this bank but this is NoT the correct amount

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 2021-11-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Fairway Capital Recovery, LLC
State: TX

Complaint narrative:
I am being charged {$290.00} from Fairway Capital Recovery on XX/XX/XXXX for XXXX XXXX XXXX Headquarters. I have not been a part of this organization since the end of XXXX. I have NEVER received an email, call, or notice of debt collection or fines when i was in this organization and when i had left this organization. There is no proof that I owe this.

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 2021-11-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX5 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to UPDATE or REMOVE completely from my Credit Report : XXXX XXXX XXXX XXXX Owed : {$17000.00} Date Opened : XX/XX/2021 XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Owed : {$0.00} XXXXF XXXX Owed : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX Owed : {$1100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Owed : {$930.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX APARTMENTS XXXX ) XXXX Owed : {$3000.00} XXXX XXXX COLLECTION ( XXXX XXXX XXXX ) XXXX Owed : {$14000.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX ) XXXX Owed : {$870.00} ( Original Creditor : XXXX XXXX ) XXXX Owed : {$4100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
On XX/XX/21 It was just like a normal day. I went to chase bank to do a domestic wire transfer. An employee from the bank did the job for me.he verified me identity and he went ahead and made the wire transfer. The money was supposed to show up on my other account XXXX XX/XX/21 as it was indicated on the receipt that was given to me by the employee at the bank. On XX/XX/21 I went to the bank asking them why my money is not showing up my other account and why the delay. They didnt have any idea on how to help me. And I came to realization that chase has hold my money to verify my identity. I went to the bank once gain on XX/XX/21 to see if someone from the bank can talk to the wire transfer department and they can verify my identity. Unfortunately they couldnt get through to the wiretransfer department and it was like an hour we were calling them and it was almost closing time of the bank and they told me to come back next day we can help you. I came the next day. They couldnt get through the wire transfer department. So I was frustrated by the whole thing going on. So I went home and went to my chase online banking app. And sent out my documents through secure messages. Just to see if someone can verify my identity. At this point I was really needing my money because of medical emergency issues. And chase was delaying my money for no reason at all. A banker verified my identity when I was sending the money to myself but to a different bank. So I dont get why I need to verify myself again. And on top of that no one from the chase bank was able to solve my issue for a whole week. And now its almost XXXX weeks and I still dont have any information about my funds and chase secure message isnt providing me any information about my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I would like for the NAVY FEDERAL CR UNION to show proof of verification that I owe them {$3.00}, XXXX with ACCOUNT # XXXX. As of date, you have not provided me with a 1099c for my review and my records. I am asking that you do this now. 
In addition, if you reported this alleged debt as a loss to the IRS, I request that you pull this account back from any collection agency you may have placed it with or from any debt buyer you may have sold this to. 
Please provide this within 30 days. Until this has been provided, I am requesting that any negative reporting to my credit by your company or any company trying to collect this debt is immediately stopped.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
The following Capital One XXXX Rewards Card ending in : XXXX is a fraudulent account. I never applied for the credit card account. The account is fraudulent and not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX Date Updated : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and XXXX XXXX XXXX completely from my Credit Report : XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX FI XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX FI XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX FI XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXXXXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX  XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX  XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion

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 2021-11-22 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: EQUIFAX, INC.
State: NV

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : Repossession : XXXX XXXX XXXX  XXXX Balance {$4700.00} ; Accounts included in Bankruptcy : XXXX XXXX NEVADA, XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Balance {$0.00} ; Collection : XXXX XXXX XXXX XXXX Balance {$1600.00} ; Public record : XXXX XXXX : Bankruptcy Reference Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Waypoint Resource Group, LLC
State: CO

Complaint narrative:
I would like for the WAYPOINT RESOURCE GROU  to show proof of verification that I owe them {$190.00} with ACCOUNT # XXXX. As of date, you have not provided me with a XXXX for my review and my records. I am asking that you do this now. 

In addition, if you reported this alleged debt as a loss to the IRS, I request that you pull this account back from any collection agency you may have placed it with or from any debt buyer you may have sold this to. 
Please provide this within 30 days. Until this has been provided, I am requesting that any negative reporting to my credit by your company or any company trying to collect this debt is immediately stopped.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 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: EQUIFAX, INC.
State: CA

Complaint narrative:
This is XXXX XXXX, who is submitting this XXXX complaint myself, and to inform you that there is no third party involved in the process. I sent letters to XXXX XXXX XXXX the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means XXXX has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
I would like for the MIDLAND CREDIT MANAGEM to show proof of verification that I owe them {$64000.00} with ACCOUNT # XXXX. As of date, you have not provided me with a 1099c for my review and my records. I am asking that you do this now. 

In addition, if you reported this alleged debt as a loss to the IRS, I request that you pull this account back from any collection agency you may have placed it with or from any debt buyer you may have sold this to. 
Please provide this within 30  days. Until this has been provided, I am requesting that any negative reporting to my credit by your company or any company trying to collect this debt is immediately stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 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: EQUIFAX, INC.
State: OH

Complaint narrative:
Attempted to process a temporary lift of a security freeze on XX/XX/XXXX on my Equifax credit report to apply for a credit card. I have the confirmation paperwork that Equifax sent me on XX/XX/XXXX when I initially placed the freeze on my credit report, which includes the PIN number required to lift or remove the security freeze in the future. I first attempted the lift by phone. The system never asked for my PIN number and tried to verify my identity by asking questions about accounts that did not apply to me. They never asked about accounts that are actually on my credit report to verify my identity. They then said that they can't process my request and that I have to mail copies of sensitive documents in the mail to process the request. That is a major security issue and I should not have to do that since I have the PIN number required to lift the freeze. I also tried to process the lift online and got the same result. I will not risk my identity by sending sensitive documents by mail when I have the PIN number required to lift the freeze. Equifax should only lift the security freeze with a PIN. If an identity thief knows my personal information without my PIN, he/she can lift my freeze and steal my identity. My paperwork says that the security freeze can ONLY be lifted with the PIN number I was provided. It should not be lifted ANY other way. That is a huge liability issue for Equifax if an identity thief unfreezes my credit report without my PIN number. This issue needs to be corrected so that I can manage my security freeze by phone or online with the PIN number I was provided with. If Equifax was serious about people 's security, they would not be bypassing the PIN number system that was put in place to protect consumers with security freezes. As it stands right now, my Equifax credit report is permanently frozen for life since I am unable to manage the freeze. Sending sensitive documents in the mail is NOT and should NOT be the solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint by myself and there is no third party involved. 
I XXXX XXXX is a consumer, natural person and the original creditor and I know my rights. As a consumer I have the right to privacy and no third party has my permissible purpose to put anything on my consumer report. This is a violation/s Pursuant to FCRA XXXX XXXX XXXX XXXX XXXX ) and XXXX XXXX XXXX XXXX By reporting any payment history and transactional history not limited to student loan, auto loans, credit cards, installment loans and other accounts without my permissible purpose, Equifax is found to have violated XXXX XXXX XXXX ( XXXX ) ( a ) ( i ). As a consumer, natural person and original creditor, I will exercise my rights and pursue ANY damages incurred for willful noncompliance and negligence on behalf of Equifax. Equifax Does NOT have my permission to report any of my PRIVATE business from any creditor on my consumer report. Please remove all the accounts listed below and all the inquiries listed on my consumer report. I have in fact NOT given written consent to Equifax to furnish. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX College PLEASE REMOVE FROM MY CREDIT REPORT IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 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: CA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. DELETE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : ( Original creditor : XXXX, XXXX XXXX, Original creditor:XXXX, Original creditor : XXXX, Original creditor:XXXX, Original creditor:XXXX, Original creditor:XXXX, Original creditor : XXXX, Original creditor:XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of the Hudson Valley, Inc.
State: NY

Complaint narrative:
I would like for the CLLCN BUREAU OF THE HU to show proof of verification that I owe them {$1500.00} with ACCOUNT # XXXX. As of date, you have not provided me with a 1099c for my review and my records. I am asking that you do this now.

In addition, if you reported this alleged debt as a loss to the IRS, I request that you pull this account back from any collection agency you may have placed it with or from any debt buyer you may have sold this to.

Please provide this within 30 days. Until this has been provided, I am requesting that any negative reporting to my credit by your company or any company trying to collect this debt is immediately stopped.

Company response to consumer: Closed with explanation