vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Section 604 requires a credit bureau to remove this XXXX XXXX XXXX XXXX so many corruptions, human rights violation, Section 604 violations and VAWA act violation ( VAWA Act protects XXXX XXXX life ) and XXXX  hate crime violation ( Windsor Washington is Asian American ) ] in the Honorable XXXX XXXX  credit report. Section 604 and VAWA act protect the XXXX XXXX XXXX and his children. Section 604 instructs credit bureau to remove this in the XXXX XXXX  credit report in this pandemic. XXXX XXXX has resided in XXXX XXXX  capital belt area. ( Not in XXXX  XXXX. 

The United States of America federal government protects the Honorable XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX case # XXXX, special immigrant protection, Approval ) - attached file the XXXX XXXX Governments special protection legal documents. 
This verified federal document gives special protection for The XXXX XXXX XXXX XXXX Full custody ) and his children

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: PRESTIGE FINANCIAL SERVICES INC
State: ID

Complaint narrative:
I could no longer afford any of my bills and had to file for bankruptcy. i need this removed from my account its been 7 years

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
I received a notification from XXXX XXXX that there had been a change to my credit report. When I looked I saw this debt I saw that it was from this collection company that I had never heard of, nor have I ever received anything in writing giving me the opportunity to dispute the debt, or verify the debt. I disputed the transaction onXX/XX/XXXXwith XXXX XXXX. This item just all of a sudden appeared on 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 2021-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
I fell ill due to XXXX  and I was unable to make my payment which caused me to have a 30 day late payment. While being ill I spent a lot of time trying to get ahold of someone who can help me over the phone. The payment was 30 days late. I have NEVER in my life been late. Especially with this company. This is my 3rd account with American Honda finance. I have spoken to customer service and I wrote a letter explaining my unfortunate circumstances and I was denied. I dont think it was right as it was a health related issue that I could not control. I should be able to get a one time courtesy as before and after that late payment Ive never been late. I understand business is business but I was fighting for my life and not able to get this one 30 day late payment removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 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: GA

Complaint narrative:
Transunion has an account listed under my name that is an old, obsolete and out of date account. They have this account with a date of last payment as XX/XX/XXXX If we were to use this date and then count 7.5 years that account should have been removed from my credit file on XX/XX/XXXX yet they still have this account listed. They are costing me financial hard by continuing to publish and report old, obsolete, and out of date inaccurate information on my credit file. 

XXXX TransUnion XXXX  XXXX  Account # : XXXX Account Type : Installment Account Type - Detail : Educational Bureau Code : Individual Account Status : Transferred Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00} No. of Months ( terms ) : XXXX High Credit : {$21000.00} Credit Limit : {$0.00} Past Due : {$0.00} Payment Status : Late 120 Days Last Reported : XX/XX/XXXX Comments : Account closed due to transfer Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Two-Year payment history Month XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK OK OK OK OK OK OK OK XXXX XXXX OK OK OK XXXX XXXX  XXXX  They are also maintaining incorrect personal data. The following addresses are not my address, in fact the second item on this list in not an address anywhere in the world, so can they have it listed on my credit file is beyond me. These two items should be deleted post haste. Time is of the essence. My one and only address is XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX  XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, NY 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 2021-06-01 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: EQUIFAX, INC.
State: NV

Complaint narrative:
1.XXXX  balance is incorrect and I have never paid late 2XXXX 's XXXX was added to my credit report in error this is not my account XXXX XXXX was added to my credit report in error this is not my account These items along with others have been disputed with the credit bureaus and still show on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 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: MN

Complaint narrative:
I submitted a payment dispute with Bank of America for an airline ticket that I had purchased. In XX/XX/2021. In early XX/XX/2021, the airline had canceled my reservation and that my ticket should now be considered void and informed me that I was due a refund. To date I have received no such refund. The relevant dates and details on the fact pattern are below : On XX/XX/2021, I purchased an airline ticket through XXXX on XXXX XXXX. 
On XX/XX/2021, I received an email from XXXX stating that my ticket had been canceled by the airline and should now be considered void. The email further stated, Refund processes have now begun to be processed back for affected tickets to the original form of payment used to make the booking. You should receive your refund as soon as possible. 
After receiving the email, I contacted both XXXX  and XXXX, which each informed me to contact the other party with questions about this refund. 
Around XX/XX/2021, I submitted a dispute with Bank of America because I had not received the promised refund. 
On XX/XX/2021, I received a letter dated XX/XX/2021, stating that my dispute was being declined because it was a situation involving a merchants return policy.

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 2021-06-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I lived at this complex for 5 months and they are now trying to collect money for damages I did not do. The only damages to this unit is the damages I constantly complained about and was never repaired. There is no truth to this whatsoever. I should not have had any of these issues for the amount of money you pay for these overpriced projects and all the outrageous fees they tack on to the base rent. How can people survive paying excessive fees which is always {$100.00} plus more dollars a month. I just can't and will not reside under these conditions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I received a phone call XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX from someone claiming to be a representative of PNC. They alerted me that my account had been compromised and that action needed to be taken immediately. They asked me to confirm my address, phone number, a recent purchase and my login credentials. Then informed me that my money might be moved or frozen temporarily until my account is back secure and that it may take 30 days. XXXX dollars was removed from my account. After 30 days my money did not return, so called PNC and informed them that I believed Ive been a victim of a fraud and a scam. The perpetrators posing as a PNC representative tricked me into getting my information logged into my account and XXXX themselves my money. I reportedly the incident but PNC concluded there was nothing they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XX/XX/, {$600.00} I have contacted Experian. They told me to file a police report. When I went to the police station I was told that the company XXXX XXXX was a collection agency. Meaning someone that makes up or buys peoples debt. Stealing information and putting someone else 's debt on me. While stealing my information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 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: AmeriCollect
State: NV

Complaint narrative:
XX/XX/XXXX {$600.00} I have contacted XXXX. They told me to file a police report. When I went to the police station I was told that the company Americollect inc was a collection agency. Meaning someone that makes up or buys peoples debt. Stealing information and putting someone else 's debt on me. While stealing my information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XX/XX/XXXX {$600.00} I have contacted Experian. They told me to file a police report. When I went to the police station I was told that the company XXXX XXXX was a collection agency. Meaning someone that makes up or buys peoples debt. Stealing information and putting someone else 's debt on me. While stealing my information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT

Complaint narrative:
On XX/XX/2021 I initiated a transaction with another user in XXXX. The transaction amount was {$2500.00}. I had the user refund the money through the XXXX interface. The balance of the transaction that was from my XXXX account was refunded but the remaining {$2400.00} was not refunded back to my account. I provided the bank, Citizens bank, with all of the tracking numbers that XXXX provided so they could trace the refund. XXXX keeps saying the card issuer has to find the money but the bank insists they are not responsible or liable for it. The bank has traced all the IDs provided by XXXX and concluded that XXXX issued and then recalled the refund. XXXX keeps saying it is a hold on the money and the bank has to release the hold. I have done everything both sides have asked of me. In an attempt to continue pursuing my money I requested something from the bank stating they had exhausted all of their avenues to obtain the money. The bank refused to provide this. The attachments show the repeated responses from XXXX as well as the rejected claim filed through the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 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:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: FL

Complaint narrative:
I XXXX XXXX is writing in reference to an account that was recently closed by chime with an balance left in my spending account and credit builder account. They closed my account out of nowhere without access to my funds. I am now facing eviction and being without power due to Chime holding up my funds. I have XXXX kids and don't want to go through the hardship of being homeless because Chime is holding up my funds. I request that they expedite my funds so I can handle this eviction process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have been working on my credit score and finally got it up to XXXX couple months ago then XX/XX/2021 it was a steady XXXX ; XX/XX/XXXX ; 2021 TransUnion dropped me XXXX points to a XXXX, because they said my one credit card increased by XXXX. But when I pay credit cards down they do not increase by 85 points nor is it reported.XX/XX/XXXX they also said my account XXXX XXXX decreases by {$140.00} yet I still dropped 85 points. They also say to maintain your credit score do not use more than total of 30 % total usage. They show XX/XX/XXXXmy usage is 29 % so how did I drop XXXX points. Total limit is XXXX. And balance is XXXX. 
I do believe some how this is systemic racism against minorities. My XXXX  friends score do not drop if balance on a credit card increase by {$90.00} and stripped 85 points. If do this with 4 more credit cards my Credit Score would be under 100. 
I havent missed payments in the last 7 months and TransUnion took 85 points off and even if I pay the credit card XXXX they will not increase my score by 85 points. I had this same credit card down to almost zero late XXXX early XX/XX/2021 and no increase with credit score. They just take drastic points off if you use. This takes months to achieve and they take 85 points off for one card not overall usage as they show under 30 %.

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 2021-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
i am unemployed due to covid 19 with no income, i have told them snd they call 9-10 times a day every hr/half hr right at 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 2021-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Recently I got a job with XXXX XXXX XXXX  as XXXX XXXX I was in constant touch with the hiring manager XXXX XXXX via emails and chat .I received a check for {$9200.00} from XXXX XXXX XXXX for XXXX XXXX XXXX XXXX I was then asked to deposit the same in my personal account ( wells Fargo ) and issue a cashier check in name of a vendor XXXX XXXX XXXX XXXX account number XXXX ) and deposit it in XXXX XXXX  XXXX 

This hiring XXXX asked me to deposit the cashier check to the vendor in order to get the XXXX office Setup. 

The next day XXXX got email from my bank stating that I have overdraft ( negative ) balance of $ XXXX lost my existing amount ( {$950.00} ) in my bank plus I have to pay an additional overdraft amount to the bank. When I tried contacting XXXX XXXX XXXX they stated this as a part of a big scam and I was victim to this scam. No one from the company ever interviewed me, there was no communication exchange between me and the company.so the guy who interviewed me, send me check and the chase bank account holder XXXX XXXX who emptied my bank account was a fraudulent. 

So now I have to pay the overdraft amount of {$8000.00} to the bank. I understand I was the victim to this scam but I expected few actions from the banks end.

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 2021-06-01 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: Kikoff Inc.
State: NY

Complaint narrative:
This investigation is not right it has to violate some type of law. They have disregarded a police report that was sent out to them. They are not following human law. They are completely not caring or giving any insight into how it is even possible for this account to be on my report. This account is not right. I HAVE DISPUTED THIS ACCOUNT MORE THEN THREE TIMES WITH A POLICE REPORT THEY TOLD ME THAT THE ACCOUNT WOULD BE REMOVED BUT THEY NEVER EVER REMOVED IT. Its been more then to long for a fraudulent account to be on my report. If I dispute account as fraud it should be removed then a reinvestigation should take place. This is totally wrong why are y'all doing this to a loyal client it is FRAUD it is FRAUD it is FRAUD. I have attached a police report for the 4th Time this is not my account. Proof of my id & police report attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have tried 30 different phone numbers to contact Experian, XXXX  and XXXX for a free Credit Report with no luck. I've also sent emails with no luck. I have an online account with the Bureaus and can't access my online account as well.

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 2021-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: MN

Complaint narrative:
ROBINHOOD trading platform has had my account in " restricted '' status for a month without cause. I used their " instant deposit '' feature and have emailed them through their website about this several times. Each time, I got a boilerplate, AI response that failed to address the issue. As a result, I have ( 1 ) incurred debt ( 2 ) been unable to pay bills and ( 3 ) now can not pay my tuition.

This company uses its " instant deposit '' scam to hold customer funds for long periods of time. Despite the fact that I have a Robinhood debit card with an ACH and account number ( through XXXX XXXX ) 1. RH does not permit inbound wires 2. RH does not have a way to make debit card purchases 3. RH does not have customer service via telephone 4. RH benefits by pooling funds and holding them in violation of the Electronic Funds Transfer Act

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
This account is still showing on my credit report and its over 2-3 months. Ive contacted Transunion and the collection agency. No information given. No status update. Nothing. I never entered contract with any of these companies and Transunion and XXXX XXXX and I never gave permission nor notified of this account even adding to my credit report. This account was added without my knowledge and now Transunion is ignoring my investigations. 

Also for the US DEPT ED account - no contract with this as well. This account is discharged as well. I do not even owe any student loans, that's how I know they XXXX not investigating into anything. 

Please know, I do have ALL of the tracking for these investigations and I have filed report with FTC as these account shouldn't even be on my 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