vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken
State: CA

Complaint narrative:
On XX/XX/2022 I attempted to transfer {$5.00} worth of XXXX  ( cypto currency ) to my Kraken ( crypto currency exchange company ) account. I have done this hundreds of times before using other exchanges. This was my first attempt using Kraken. Well the money never shows up in my account. I contact customer service and was told I didn't do the transfer correctly ( Huh? ). I needed include a Memo entry ( Huh? ). I was told to get my money back I need to send the MORE money ( Say what? ) I provided them with screen prints showing where the money came from and the address. I asked simply for them to refund my money to my XXXX wallet where it came from. They insisted that I will need to send them MORE money! Of course, I refused. If a thief steals your money, it would be stupid to give the thief more money to get it back. They are simply scamming people. 

My account number AKA public key is XXXX XXXX XXXX XXXX 

I can provide the same screen prints. I closed my account fearing I could be scammed in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
No permissible purpose was given. Pursuant to XXXX5 USC 1681b ( a ) ( 1-2 ). Pursuant to 15 USC 1681 ( a ) ( 1-4 ) the banking system is counting on consumer reporting agencies to report accurate and fair information to my credit file which you haven't. by reporting inaccurate information without my written consent first, you are violating my right to privacy which is in direct violation of 15 USC 1681 ( a ) ( 4 ) and The Privacy Act of 1974. You also cant claimed you verified any accounts unless you an prove you did what you suppose to do Pursuant to 15 USC 1681a ( e ) Which defines " investigative consumer report '' personal interviews with neighbors, family and friends and must show proof via affidavit of fact. Pursuant to 15 USC 1681a ( e ) stats that my consumer report should not include any factual information obtained directly from the creditor. If all accounts are not removed in 30 days as stated in 15 USC 1681i ( 1 ) ( A ), I the consumer will seek remedy 15 USC 1681n ( a ) ( 1 ) ( A ) ( B ) ( 2 ) ( 3 ). ACCOUNTS AND INQUIRIES WERE CREATED FROM UNAUTHORIZED USE OF MY SOCIAL SECURITY NUMBER AND CARD I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ALLEGED ACCOUNTS TO 15 U.S. CODE 1602 ( p ). BLOCK AND REMOVE THEM. PURSUANT TO 15 U.S. CODE 1681C-2. THIS FTC REPORT W ERROR. I ALSO DID NOT RECEIVE ANY SERVICES. This is fraud pursuant to 18 U.S.C 1028 ( a ) ( 1-8 ) and can be punished not more than 15 years in jail or a fine.18 U.S.C 1028 ( b ) ( 1 ) ( A ) ( I-ii ).

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 2022-04-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
Original creditor, XXXX XXXX XXXX XXXX is paid in full, Credit Control Corporation, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX, is fraudulently stating an account status and inaccurate amount owed.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-04-02 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
I received my consumer report in XXXX of XXXX and noticed inaccurate and falsified information reported by the company, Account XXXX XXXX XXXX, ARS. As a result, on XX/XX/XXXX, I informed the company by mail that the information being report was incorrect, with no avail. I reached out multiple times after XX/XX/XXXX, on the following dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 2022-04-02 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: NY

Complaint narrative:
I n accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02 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: IL

Complaint narrative:
On XX/XX/2022 i filed for Bankruptcy. 1 month Prior to filing, i completely paid off XXXX. I had a XXXX balance as of XX/XX/2022. I asked XXXX to please close my account. For whatever reason they never closed it! XXXX was not on the petition of the bankruptcy because it was no longer a debt. It was completely paid off 1 month prior of filing. This was before i was completely sure if i was going to file. Even my attorney told me it was not required on paid off accounts especially those that were paid off a month before filing. After i filed bankruptcy, XXXX took it upon themselves to report this account including in bankruptcy when it was clearly not part of the bankruptcy petition. It should of stated closed by consumer. They took a 2 year positive exceptional payment history, and turned it upside down into a negative status when there was no money owed! You are only required to include DEBTS THAT ARE OWED in a bankruptcy petition, not every account that are reporting. Paid off accounts are excluded from a bankruptcy. THEY ARE NOT DEBTS!!! Especially since the account was completely paid off prior before filing the bankruptcy petition. XXXX was suppose to close the account back on XX/XX/2022, but did not! They took a positive exceptional account, and turned it upside down! Why??? This is Illegal and is a violation. Who are they to change the laws? I was a good paying customer, and they made it look like the entire account was charged off in the bankruptcy. Why would i pay you then? They are reporting incorrect information on the credit report. When someone pays off a debt, they have to get credit for paying it on time. It was paid early. They are reporting it like i was delinquent when i wasn't! You can not report incorrect information on a credit report! People sue millions of dollars every year for careless acts like this! I want to file a complaint against XXXX for damaging my tradeline with incorrect information reporting. They refused to remove it when i called. They have no clue what they are doing. They are hurting my credit report when they did this! Every account matters even in a bankruptcy. This is the one account i wanted to walk away in good standing. They are making me look bad! If i ever want to get another account with them, They will see i filed bankruptcy on them and burned them, when i didn't! Is this right or fair to me??? Its basically telling the credit reports that i did something wrong, when i didn't. I was in good standing with them, not the other way around!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02 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: FL

Complaint narrative:
On XX/XX/2022, I requested my XXXX Credit Report. Included in the Credit report, I discovered that two of my oldest CAPITAL ONE credit cards were not being reported on the report. These two accounts are almost XXXX XXXX XXXX and pay a huge role on my CREDIT SCORES. Both other Credit Bureaus, XXXX and XXXX were being reported correctly with all FOUR of my CAPITAL ONE accounts. Multiple attempts to add the other two CAPITAL ONE accounts to my XXXX report have failed miserably. I contacted XXXX by phone on several occasions, and was instructed to contact CAPITAL ONE directly to correct the matter. I wrote a certified return receipt letter to CAPITAL ONE explaning the situation, hoping that an easy fix would resolve the matter. CAPITAL ONE wrote back to me notifying that they have been reporting the FOUR accounts to XXXX, and could not explain why i was have this issue correcting it with XXXX. I asked CAPITAL ONE to provide me the documentation that they claim they made to XXXX, asking them to resove, so i could forward to XXXX. They did provide me documents to send to XXXX, I then sent another certified return receipt letter to XXXX with CAPITAL ONE 's documentation, so that they could fix my XXXX credit file adding the other TWO missing accounts to my file. INCREDIBLY, but not unexpected, XXXX said they could not correct the situation ONCE AGAIN SENT ME BACK TO CAPITAL ONE to resolve. THIS IS CRAZY! and should not be happening to consumers fighting to correct their deserved Credit Reports. I have exhausted all efforts to de the right thing, and I ask that you please get involved. I need your help, and I know this is what you specialize in to help consumers. Recapping the situation and my request to resolve this matter, I am asking that you make contact with XXXX if you can, because its impossible to speak to UNITED STATES OF AMERICA representative in customer service, Its located and calls are directed to the XXXX. I ask that you please help me have the two missing CAPITAL ONE accounts ending in XXXX and XXXX ADDED correctly to my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
I opened a savings account online with XXXX XXXX and it wouldnt let me create a login after putting in all my information and scheduling a XXXX deposit from our chase checking account. I called numerous times and was told they see my profile and the pending deposit, so she said she reset everything and gave me a temporary user name and password, which still didnt work and she didnt know why, so she told me to wait a couple of hours then try it again. So I waited and still couldnt log in, so I called back and then I was told there is no deposit pending and to wait another couple hours. I told her I wanted to talk with a supervisor and got stuck on hold indefinitely. I hung up and called back and I got another person and explained everything and I told her to just cancel the account and cancel my electronic transfer, she told me it would take up to 3 days to cancel the account but ensured me my electronic transfer was canceled. This morning the transfer is pending in our checking account. After doing research on this bank EVERYONE has the same complaint. I called XXXX this morning at XXXX to put in a stop payment. This online bank is fraudulent and needs to be looked into. I am going to the bank this morning to make sure this doesnt go through. Also I tried logging into the account with the information they gave me and it still doesnt work.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am unable to access my Equifax credit report. It has been like this for the past 8 months!! I have sent multiple letters to Equifax about this issue, I have even called them. They said there was a issue with my report and they will fix it. 8 months later nothing has been done. As of today XX/XX/2022 I am still not able to see my report. I have included a screenshot of the message that I get when trying to access my credit report!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
This complaint is in regards to the Department of Education 's and FedLoan Servicing 's mishandling of the PSLF program under the Limited Waiver. Numerous borrowers pursuing PSLF are attempting to remove an in-school deferment via the " School Related Deferment Waiver Form '' ( Records Code : XXXX ; Version Date : XX/XX/2010 ). Some, but not all, FedLoan Servicing employees are rejecting these submitted forms, perhaps at the direction of the Department of Education, informing borrowers that the form only applies to pre-consolidation Direct loans. Nowhere on the form, which has not been updated in almost 12 years, does it state that. This is therefore causing a considerable amount of confusion, XXXX and frustration among borrowers. Borrowers do not trust the Department of Education and FedLoan Servicing because of outdated forms ; inefficient processes ; and unclear, fabricated, and misapplied PSLF policies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I went into the branch. 
I was told by XXXX, the rep that I could not open an account at all. 
I had one previously. 
She printed the statement. 
It shows all kinds of fraud but yet Well Fargo never notified me at all. 
She had no explanation for me at all. 
I call their 800 number ; they didn't have any answers either.

How can I dispute anything when I'm not aware of them.

Bank never notified me.

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 2022-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
NCA is the bureau name type of account is not reported. Current balance is {$310.00}? 
Last date reported XX/XX/2022. 

However, I have never been contacted on this account. Theyre was a breach with information exposed including my social, date of birth and mailing address. I did have a payday loan over 7 years ago which I settled with speedy cash. But I was never contacted by NCA. Ive called the number provided pre recorded system says they are closed. And to call back at a later time XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: CO

Complaint narrative:
Navy Fed held my checking and savings deposit for six months causing my accts to go delinquent on purpose ( {$19000.00} ) To date XXXX has not furnished a print out of these funds ( 2019 ) Navy has lied and said they returned the funds when indeed they did not but wont disclose where they went It is illegal to hold funds for over thirty days Navy wants me to settle these accts which I am willing once I know where and why my funds were being held This has been going on since 2019 and Navy is knowingly reporting false info causing damage

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02 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: NC

Complaint narrative:
I've tried disputing this account with this company numerous of times and haven't got a response. Instead of the company deleting the alleged debt like they did on my XXXX profile they decided to decrease the debt 50 % turning the debt from XXXX $ to {$1700.00} and fail to comply with the letters I sent them. This company did not do a correct investigation. I never got any supporting documents stating that the debt is mines.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02 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: IL

Complaint narrative:
On XX/XX/2022 i filed for Bankruptcy. 1 month Prior to filing, i completely paid off XXXX. I had a XXXX balance as of XX/XX/2022. I asked XXXX to please close my account. For whatever reason they never closed it! XXXX was not on the petition of the bankruptcy because it was no longer a debt. It was completely paid off 1 month prior of filing. This was before i was completely sure if i was going to file. Even my attorney told me it was not required on paid off accounts especially those that were paid off a month before filing. After i filed bankruptcy, XXXX took it upon themselves to report this account including in bankruptcy when it was clearly not part of the bankruptcy petition. It should of stated closed by consumer. They took a 2 year positive exceptional payment history, and turned it upside down into a negative status when there was no money owed! You are only required to include DEBTS THAT ARE OWED in a bankruptcy petition, not every account that are reporting. Paid off accounts are excluded from a bankruptcy. THEY ARE NOT DEBTS!!! Especially since the account was completely paid off prior before filing the bankruptcy petition. XXXX was suppose to close the account back on XX/XX/2022, but did not! They took a positive exceptional account, and turned it upside down! Why??? This is Illegal and is a violation. Who are they to change the laws? I was a good paying customer, and they made it look like the entire account was charged off in the bankruptcy. Why would i pay you then? They are reporting incorrect information on the credit report. When someone pays off a debt, they have to get credit for paying it on time. It was paid early. They are reporting it like i was delinquent when i wasn't! You can not report incorrect information on a credit report! People sue millions of dollars every year for careless acts like this! I want to file a complaint against XXXX for damaging my tradeline with incorrect information reporting. They refused to remove it when i called. They have no clue what they are doing. They are hurting my credit report when they did this! Every account matters even in a bankruptcy. This is the one account i wanted to walk away in good standing. They are making me look bad! If i ever want to get another account with them, They will see i filed bankruptcy on them and burned them, when i didn't! Is this right or fair to me??? Its basically telling the credit reports that i did something wrong, when i didn't. I was in good standing with them, not the other way around!

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