vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-04 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I noticed 3 fraudulent transactions charged on our BOA credit card on XX/XX/XXXX & XX/XX/XXXX. I notified BOA right away, and closed the credit card. My wife filed the police report right away. When we talked to the BOA fraud department, they said that they mailed out duplicate copies of the credit cards ( without our permission and without notify me ) on the week of XX/XX/XXXX. Our family happened to be out of town that week, so we put the mails on hold. According to the BOA record, the mails with the duplicated credit cards was delivered on XX/XX/XXXX, the date that the mails were on hold at our local USPS. I never receive those duplicated credit cards when we come back. This is the evidence that the local USPS lost this particular mail. 
I file the fraud claims, and the claim was declined. I re-appealed and asked for re-evaluation and faxed in the police report. BOA still declined my fraud claim, and refused to give me back the credits for those fraudulent charges. I asked BOA to provide evidence of the merchant receipt of those charges to show the signature. BOA can't provide the proof. BOA stated the reason is that I have made purchases with the same merchants ( XXXX ) before ; therefore, those are not fraud charges. This reason is totally unacceptable.

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 2021-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I already informed you that the items included in the letter I submitted were erroneous and inaccurate. I feel betrayed because the items are still there on my report after your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 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: SC

Complaint narrative:
I'm writing to request that the items shown in my credit report be removed from my profile. These requests for information were not authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 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: OH

Complaint narrative:
I recently sent you a letter requesting that you re-examine the wrong and incorrect information in my file, but your re-examination does not address my problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 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: ENCORE CAPITAL GROUP INC.
State: DE

Complaint narrative:
Midland credit was notified of the dispute on XX/XX/2021. Ive asked for them to provide proof with the original contract which states any obligation that I have to pay them. A representative verified that the account listed on the original contract was indeed not an address that Im associated with. Instead of then responding to this matter, they increased the COLLECTION account balance XXXX  {$1.00} which is ill to do it its a collection account and it doesnt belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have a few accounts reporting inaccurate and misleading information on my reports and would like for these accounts to be investigated. I need debt validation from XXXX XXXX ( XXXX ), XXXX ( XXXX XXXX ), XXXX ( XXXX ), and XXXX XXXX ( XXXX XXXX  ). If these companies can not provide the original contracts with my wet signature then these accounts need to be removed and blocked immediately

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 2021-09-04 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:
Someone has gained access to my accounts and is preventing me from making my largest transaction. I have no idea what it could be or who it could be.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
I got approved for {$350.00} with Aspire MasterCard however there was a fee to pay in order to get the full credit so, I paid this fee. 
I never got to use the card once because when I tried it was always declined so I chatted with them and I was advised that account was closed due to inactivity on XX/XX/2021 and they never sent a message or letter letting me know this. This company ripped me off and they just said the account was closed and thats it. 
I cant believe that here is the US they let this awful people get away with something like this. 
Thank you!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 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:
According to FCRA, if I send you a dispute to fix my file, you must comply. My credit file still shows stuff that I said I don't validate and that shouldn't be there.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
My account was frozen when I ask why they said it was under investigation I still have funds deposit into this account no one has contacted me after several attempts to fined out what is going on my income-tax is being deposit into this account. I live in Louisiana and still filling the effects of hurricane Ida I need my funds available as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Tower Loan of Mississippi, Inc.
State: IN

Complaint narrative:
This guy XXXX XXXX I think is his last name. He has called with multiple last names. He is the manager. I told him me and my husband were separated about 3 months ago. He calls and leave messages daily. I stopped answering his calls and he still calls daily up to 3 times sometimes. 
He also comes to my house. Im a small person also XXXX and XXXX yrs old. He is a big man. Im in bed most of the time and if no one is with me I do not answer my door if not expecting someone. But I can see who it is and. Talk to them if I want. But this man beets on the door like he is trying to break it down. He beats on it hard. Real hard. And he beats on the glass to. I am scared of him. He says he wont leave till he gets money and beat on the door for over XXXX hr. This man reminds me of a muscle man for a crime boss from XXXX or XXXX  XXXX  Ive got a bad XXXX and he give a person a XXXX XXXX waking them up beating on their door like that. 
My name is not on the loan I dont owe him a penny. He has no right calling me, or coming to my house XXXX a week treating me like that. 

He is manager of Tower Loan XXXX XXXX IL I NEED HELP. I know what he is doing is not legal even if I did owe him. But I dont owe him so it should really be illegal big time. 

Can I have him arrested?

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 2021-09-04 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: Portfolio Recovery Associates, LLC
State: DE

Complaint narrative:
Portfolio Recovery was noticed of a dispute on XX/XX/2021. The company agreed on a recorded line to pay for deletion. As of today XX/XX/2021, still has not removed this account fro. My credit file on all three major bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: TX

Complaint narrative:
Self Lender is reporting on my credit as a charge off for a credit card as well as an installment that I was paying into. I got behind on both as a result of the COVID-19 hardship, I explained the situation to Self & they decided to close both accounts as well as keep the money that I paid into the installment loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 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: OK

Complaint narrative:
I recently checked my Equifax credit report and identified these unauthorized credit inquiries. I contacted each of these financial institutions and they were not able to provide me any information in regards to where the inquiries came from or who submitted them and directed me to contact equifax. I contacted equifax and they told me that I would need to contact the CFPB in regards to these inquiries. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-09-04 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: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
On numerous occasions XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I reached out to the credit bureaus and company in charge of this account to get it removed for one XXXX  reporting this account and to remove it due to XXXX  purposes. This account along with its debt does not belong to me or was not authorized by 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 2021-09-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
These accounts are not mine please I need them removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 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: NJ

Complaint narrative:
On numerous occasions XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I reached out to the credit bureaus and company in charge of this account to get it removed for one XXXX  reporting this account and to remove it due to XXXX  purposes. This account along with its debt does not belong to me or was not authorized by 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 2021-09-04 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: NJ

Complaint narrative:
On numerous occasions XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I reached out to the credit bureaus and company in charge of this account to get it removed for one XXXX  reporting this account and to remove it due to XXXX  purposes. This account along with its debt does not belong to me or was not authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
On numerous occasions XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I reached out to the credit bureaus and company in charge of this account to get it removed for one falling reporting this account and to remove it due to fraud purposes. This account along with its debt does not belong to me or was not authorized by 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 2021-09-04 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: LA

Complaint narrative:
Lexis nexis has several inaccurate and fraudulent accounts on my credit report. Ill list them below : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX, XXXX  XXXX XXXX, XXXX XXXX, and several student loans from an address I never lived at. This is influencing the credit bureaus to give me a negative credit rating and I need this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 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: DISCOVER BANK
State: NJ

Complaint narrative:
These accounts are not mine please I need them removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Good evening, I will try to make this as short as possible ; taking out emotion and giving facts only. 

XX/XX/2021- my tenant writes a check for her rent. {$400.00} She banks with XXXX  XXXX XXXX XX/XX/2021- I mobile deposit the check in front of her and hand the check back to her for her records. 
We live at the same residence. Her being in control of the check, never being late or having prior issues, built trust to hand her back the check. She still deserves the trust. This issue is not a result of negligence Unbeknownst to her and ( and I ) the check was stolen. 
On XX/XX/2021 the same exact check, endorsed by me, was deposited into an account at JP Morgan Chase Bank. Fraudulently. 
My tenant noticed it right away and called her bank. 
XXXX  XXXX XXXX reversed the fraudulently cashed check. My check remained valid. 
On XXXX XXXX I received an email from my bank XXXX ( XXXX XXXX, XXXX ) stating that they had reversed the check that was deposited on XXXX. 
I called my roommate immediately to see if they stopped payment on the wrong check. 
She called XXXX  XXXX XXXX, confirmed they had not stopped payment nor received funds from my bank. 
I called my bank. Started a fraud claim. Stride took the money out of my account and sent it to Chase. 
My tenants account was never credited for my reversal, Chase Bank will not talk to me. Ive spent 3 hours on the phone, gone to the physical branch, and went to XXXX all to no avail. My bank points the finger at Chase. Chase points the finger at anyone else. XXXX XXXX XXXX has no idea whats going on. 
I know there is information about the thiefs account on the back of the check. There is a batch number, a branch location. I know they could figure this out- who stole the check, who deposited it, and where my money is. Thing is, no one will help me! 
Stride says contact the issuer. The issuer is showing the cleared check to me at stride. They reversed the Chase deposit. How did XXXX end up giving my money to Chase? Why wont anyone help me?! Ive filed a police report. Ive done everything I can in my power to fix this. I need intervention from someone with a stronger fist than me. I want to press charges. I want my money back. I need this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: VA

Complaint narrative:
I am the victim of fraud. While I was researching XXXX XXXX, I saw a XXXX LIVE video today at XXXX XXXX XXXX XXXX By who I thought was the XXXX XXXX, and it had a free coin giveaway, where if you send coins, you get double back. I sent XXXX XXXX coins, that is {$6400.00} USD worth today, from my https : //pro.coinbase.com account, to the wallet address listed below. 

The website that I went to ( that was being advertised on XXXX, below the LIVE video, was XXXX : XXXX The scam artist 's wallet address is : Destination Address : XXXX Transaction Hash : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA

Complaint narrative:
California check cashing located in XXXX XXXX is falsifying XXXX XXXX checks and telling me I owe {$630.00} demanding full payment using XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. By Law I had to vacate that property XX/XX/2021 at XXXX. I never paid XXXX XXXX {$5.00} to print checks using XXXX XXXX XXXX XXXX XXXX sf CA XXXX.they sent the notice to XXXX XXXX XXXX XXXX XXXX XXXX : XXXX CA XXXX and the post office forward it to XXXX XXXX. I got it today. They are going to try and tax my sis money just like they did last month even though I closed the checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XXXX XXXX all debt to XXXX XXXX was found invalid and dismissed. Documents were forwarded to the company and credit bureaus from the Probate Court. XXXX XXXX continues to report XXXX, XXXX, etc as bad dent and all 3 of the bureau agencies have been no help.

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 2021-09-04 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: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
XXXX XXXX all debt to Comenity bank was found invalid and dismissed. Documents were forwarded to the company and credit bureaus from the XXXXrobate Court. Comenity bank continues to report wayfair, XXXX, etc as bad dent and all 3 of the bureau agencies have been no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.

Complaint narrative:
Coinbase has flagged my XXXX account that i have since 2017 for manual review. Cant withdraw my funds. I don't think they have the right to keep my assest hostage like this. Case number # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 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: HW Holding, Inc
State: IL

Complaint narrative:
I have filed a dispute in regards to the incorrect item on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-04 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: Kriya Capital, LLC
State: IL

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with non-monetary relief