vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: EAST WEST BANK
State: CA

Complaint narrative:
This is a continuous complaint according to a previous complaint : ID XXXX Why had it just been closed? How can I do next? It's a dispute. Where and how can I fight for my right? 

Below is my reply regarding the response from the company : Firstly, as I said before, I respect and have no issue that XXXX bank closed XXXX XXXX 's bank account. Because it's the banks ' right to choose their clients. 
Now XXXX is asking for the damage that occurred by the XXXX bank 's misleading message. Because it was an official message from your bank. Your bank should really NOT continue to send that kind of message if the account was not able to receive any funds. Also, you guys should really NOT returned the fund to any third-party WITHOUT her permission AFTER sending such a confirmation message. She had sent the goods to that sender and there is no way for her to claim it back ( If need, XXXX XXXX could prove all the details ). Obviously, she deserves compensation from your bank because it was totally a technical mistake from your bank. 

Secondly, regarding the so-called 'fraudulent wire recalls ', it's just a unilateral claim from the SENDER 's side. It's not real. It's unfair that you guys judge her before a clear investigation. You guys should give XXXX XXXX a chance to explain the story behind. She is NOT a fraudster. If you guys need or are interested, XXXX XXXX can provide all details to prove she is NOT a scammer. It happened to her before. Actually, some people online bought a virtual tool from her, which is definitely legit and had clear proof shows that the buyers knew that. But people might use that virtual tools to invest in other projects ... If any recalls occurred, probably because some of them might be scammed by those online projects or lost money in their investments and nowhere to trace back. Then they tried to recall the payment from XXXX instead. Some might do it intentionally, and pretend they didn't know. Some of them might be really ignorant. It's totally not XXXX 's fault or responsibility. All the inward remittances are her legal fund. Anyway, this is not the point of this dispute. 

So, I wish, the XXXX  bank, as an honorable financial institution in the market, could face the fact and be responsible for their clients. 

Thanks so much.

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 2020-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I paid this account off in a settlement of {$390.00} on XXXX/XXXX/2020. They said theyd pay to delete. Its still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Choice Recovery, Inc.
State: FL

Complaint narrative:
So I called to pay this collection of {$38.00} off, because I received the last letter stating just that, the lady on the phone stated it is now out of statute of limitations, I also said the coming is no longer a company theres nowhere to pay them. She then told me that it wasnt {$38.00} anymore is was {$42.00}. On my credit report it states collections XXXX XXXX XXXX/XXXX/2020

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 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: GA

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 my investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-30 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: Convergent Resources, Inc.
State: GA

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

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 2020-09-30 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: AES/PHEAA
State: GA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 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: OneMain Finance Corporation
State: GA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$13000.00}, {$11000.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am w riting to request the method of verification for dispute initiated on  XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 


-- XXXX XXXX 3. XXXX XXXX LEASING with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
On XX/XX/2020 Kohl 's for Kohl 's credit card.One at the time I apply I had a XXXX credit score that what they require to get approved.Two they violated and discriminate against under the consumer financial protection bureau law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$13000.00}, {$11000.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/2020 and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 


-- XXXX XXXX 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2020-09-30 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:
I have a loan with CAPITAL ONE, XXXX XXXX, and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, CAPITAL ONE, XXXX XXXX, and XXXX  with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I have a loan with XXXX XXXX, XXXX XXXX, and BRCLYSBANKDE. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, and BRCLYSBANKDE with no successful resolution. There was definitely an error on their part.

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 2020-09-30 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: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
I have a loan with TOYOTA MTR. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and TOYOTA MTR with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC
State: GA

Complaint narrative:
Reported By : RECEIVABLES PERFORMANCE Account Balance : {$1300.00} * Open Date : XX/XX/2020 They are putting a derogatory mark on my credit report when it is known that this was agreed by XXXX to be closed. The contract was ended and I sent all the equipment back. Now they are harassing me and saying that I owe this debt. My contact was ended. My balance was {$0.00} after they assured me that since the service didn't work in my area they would waive the cancellation fee of the contract. They are making false claims and hurting my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
They are putting a derogatory mark on my credit report when my identity was stolen and used on XXXX. I had to close all of my cards and bank accounts because this happened. I am even enrolled in a credit freeze program because of the damage done. They continue to falsify marks on my credit. They also have the same company 4 times on my credit report for the same debt they accuse me of. They are making false claims and hurting my credit report. They bought the debt and are going under another name which is on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$9900.00}, {$9800.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated onXX/XX/XXXXand the subsequent response  received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OPEN ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9900.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$9800.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2020-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
Contacted Midland funding XX/XX/20 and attempted to pay a bill owed to a credit card company XXXX XXXX XXXX. I paid XXXX for the bill receipt XXXX. I advised them my employment was lessened by covid 19 and that I might be filing for bankruptcy. They stated, " you have another bill that is 15-20 years old. '' I advised them I was not aware of the bill but that it was over 7 years old. Company " removed '' the bill that I paid as opposed to listing it as paid. Credit report shows total debt  owed decrease by XXXX dollars bill is still showing as unpaid. Advised me that they would mail a receipt. I never received a receipt. I requested the receipt be faxed several weeks later and was advised it would take an additional 7-15 days I am a covid victim and have enough to deal with and believe this to be inappropriate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 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: CA

Complaint narrative:
Experian is stating on my credit report that I have 1 late payment but I never been late and all my accounts are exceptional payments history 100 % I have called and ask politely if they can removed the 1 late payment comment on my report because its inaccurate information when creditors pull my credit it state that I have a late payment delinquency. I dont think its fair that this mistake was made on my report when clearly you will see when investigating that I have never been late on any of my closed and open accounts as I mention my payment history is 100 % exceptional so it doesnt make sense that Experian has misinformation on my credit report. I am asking that you can help me by removing that comment on my report. I appreciate your time and sorry for inconvenience.

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 2020-09-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: VA

Complaint narrative:
On XX/XX/2020 at XXXX XXXX.XXXX.i made a payment of XXXX dollars to be processed on the XXXX I called back to cancel the payment because the bank had issues with a XXXX deposit I made on the XXXX XX/XX/2020 On the XXXX I was told I couldn't cancel the payment and I made another pay me t of XXXX dollars and some change directly from my checking The payment was taken out of my account and still does not show my avail balance And the other XXXX dollar isn't showing up nor the other bank DOESNT even show where the payment was submitted XXXX XXXX Master Card who service this card is US BANK and this bank has made a complete mess for 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 2020-09-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
JP MORGAN CHASE AND CO - CHASE FREEDOM AND CHASE AMAZON CREDIT CARDS. 

Without any consideration, notice, etc. they cut my credit limit, decreased to the exact balance owed, DROPPING MY CREDIT OVER 40 points and putting my credit utilization over 70 %. I now can't get a loan that I wanted for a new home purchase or even refinance. I was going to pay off the balances of the credit cards once either action had taken. I have contacted them several times and they do not respond or follow up and send me to other departments. I need a response and I need action. This is criminal and they should at least notify or consider the impact the changes make. I've always paid my balances and never had any late payments. RIDICULOUS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: VW Credit
State: HI

Complaint narrative:
I am contacting you with a complaint of unfair business practices and discrimination against VW Credit. 
I am scheduled to XXXX  to XXXX as a XXXX  XXXX  XXXX XXXX   employee with the XXXX XXXX on XX/XX/XXXX under military orders. 
VW Credit wont authorize me to ship my car which is ( XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) Hawaii License # XXXX with the following XXXX # XXXX According to VW Credit the only vehicle owners authorized to ship their POV are XXXX XXXX  military. As an XXXX XXXX Veteran with ( 4 ) XXXX XXXX, I feel highly discriminated against. I have tried to refinance my vehicle and found the following issues : 1. XXXX will not ship to XXXX 2. XXXX XXXX XXXX denied my loan request 3. I can not use XXXX XXXX 4. I can not sell the vehicle as the balance on the car is more than the car is worth. I bought the vehicle in XXXX XXXX from XXXX XXXX. The dealership can not help me in this situation. 
5. Due to the car being upside down, it is almost impossible to sell the car to a private individual. 
6. At this short period of time, it looks like I must surrender the vehicle to the dealership I purchased it with and that becomes a repo. This will affect my career with the federal government and my secret security clearance status.

7. I have contacted a law firm and was told to contact your company regarding this issue. 
I am appalled that after several attempts to reason with VW Credit, they refuse to help resolve this issue. My XXXX XXXX is the second XXXX  I have had with VW Credit. I can no longer trust VW Credit as a veteran friendly company, not only for me, but other veterans, federal government civilian employees in the same predicament. Is there anything you can do on my behalf? 

XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX

Company response to consumer: Closed with explanation