vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Cap1/Cabel - account number : XXXX Reporting XX/XX/2019 - all reports reporting 30 days late. this account was never late and they are refusing to provide proof or remove the account information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Brightwater Capital, LLC
State: OH

Complaint narrative:
Received phone call from XXXX with bright water capital XXXX stating that her company bought my original debt from XXXXXXXX XXXX and I owed XXXX. I set up payment arrangement ( XXXX on XX/XX/XXXX ) and 75 monthly payments since that date. In XX/XX/XXXX I received a letter from XXXX XXXX ( XXXX ) XXXX stating that their company bought my debt and I owe them XXXX I then asked XXXX from bright water capital to please send me proof of debt which she only offered to do in an email. 

Brightwaters proof of debt included the whole account number XXXX amount owed is XXXX states that original creditor is XXXX XXXX XXXX XXXX  ( the actual creditor is XXXX XXXX  not XXXX ( thats just where I bought the couch ) also the debt letter email has my old address not miss you current one. 

XXXX proof of debt letter has only the last four digits of the account XXXX, states I owe XXXX states original creditor is XXXX and merchant is XXXX XXXX XXXX XXXX. Debt letter has my correct address. Their debt letter also explains that if I contact them within 30 day in writing they will send me verification of the debt or a judgement against me. Brightwaters email does not state that. 

If XXXX is in fact who I owe the money to then what happens to all the money that I paid brightwater capital on this account? 

I am unsure of which company to pay or if the debt was double sold? I am unsure who actually owns the debt and have tried calling XXXX for help on who they sold the debt to but they state that there is no account with them at all? I need help before it goes on my credit report, and help getting my money back if I have been paying to wrong company. 
Thank you for your assistance Please help, Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
I've been out of work since XXXX of XXXX I have a vehicle with credit acceptance I also co signed with them for a vehicle for a friend which they are not paying I know being that I co signed I am responsible but XXXX XXXX XXXX  which I informed them they sent me a letter an email that until XXXX XXXXthey will not atempt to collect the debt nor will they report to the credit companies an they did late payment for 2payments I've called numerous times about this an basically told me it's there nothing they can do or will do I contracted covid XX/XX/XXXX on XX/XX/XXXX the letter I received end date XX/XX/XXXX the amount is XXXX for two months this is for the XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My name is XXXX XXXX, owner of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Complaint as follows : *on XXXX received a check # XXXX in the amount of {$1600.00} - mobile deposited it into our Wells Fargo business account on XXXX. 
*In XX/XX/2020, I came across the check, looked up in my online business account to see if the check was credited to my account. It did not show credited. I assumed that the check inadvertently did not get deposited so I mobile deposited it again on XXXX. 
*I then received a notice from Wells Fargo that the amount deposited was returned because XXXX XXXX ( customer 's bank ) indicated that the check was previously deposited therefore it was considered a duplicate. 
*Upon contacting my customer, they informed me that the funds were taken from their account on XXXX. My business account has NEVER been credited for {$1600.00}. 
*I have since filed 4 claims with Wells Fargo Bank to research and locate the missing funds, made at least 14 follow up calls, and have physically gone into the bank twice to get answers. 
*Bottom line, I made a deposit into my XXXX account, my clients account had funds taken from their account yet NO FUNDS were ever credited into my account. Somehow Wells Fargo Bank lost my funds and NO ONE has been able to fix this problem.

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 2021-02-23 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: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
JPMCB AUTO, ACCOUNT NUMBER XXXX REPORTING 30 DAYS LATE XX/XX/2020 THIS INFORMATION IS NOT CORRECT. THIS ACCOUNT WAS NEVER LATE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bread Financial Holdings, Inc.
State: DC

Complaint narrative:
XX/XX/2021 I called to make and payment via the phone on my XXXX XXXX Comenity Bank card account number ending in XXXX, the representative decline and refuse to take my payment and instruction me to make the payment in person at a local retail store. Currently, the District of Columbia has no retail store, the next available store to my home is more than 20 miles away. 15 days later, Comenity back reported one 30 days later payment to all credit agencies. 

I recently placed a call on XX/XX/XXXX to inquire about the unfair reporting and was transferred to an account manager who apologized and process my payment of {$66.00} vis my debit card via the phone. 

Had the representative processed my payment in XXXX it could have prevented the negative reporting which lowered my score 31 points. 

Comentiy Bank did not provide fair credit consumer rights nor practice and treated me fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Army and Air Force Exchange Service
State: MA

Complaint narrative:
Military Star card - reporting late on 3 credit reports XX/XX/2019 by 30 days. account number XXXX account has never been late

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 2021-02-23 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: CA

Complaint narrative:
XXXX XXXX continues to report my account on transition as 30 days late. Account was also disputed on my XXXX report and net credit was able to correct the status as account paid and never late.

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 2021-02-23 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nicholas Financial Inc.
State: NC

Complaint narrative:
I tried to get it removed for the right balance amount they say I owe XXXX but it's XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
To Whom It May Concern, I would like to appeal the Chase Banks decision dated XX/XX/XXXX ( Chase letter dated XX/XX/XXXX attached here ) regarding a disputed {$200.00} charge initiated on XX/XX/XXXX. 

I was the victim of an XXXX Refund scam and this charge was a part of an effort to defraud me of a total of {$3000.00}, {$2800.00} of which was stolen from my Chase Bank account. 

Immediately after I understood that I was being scammed, I took steps to dispute and reverse the fraudulent charges. I contacted the XXXX XXXX Police Department to file a report ( Crime Report filed to XXXX XXXX Police Department attached here ) as well as Chase Bank and XXXX XXXX. 

I followed up by filing a report with the Consumer Financial Protection Bureau regarding Chase Banks initial response to my effort to get the disputed charges returned to my account. 

The results of these efforts were the same ; XXXX XXXX and Chase Bank both recognized that I was the victim of a scam, that the charges were made under fraudulent circumstances, and that I was entitled to have the charges reversed and the funds stolen from my bank account fully recovered in my favor. 

I dont understand why this one charge is being singled out for recovery from my account. I believe this is an error on Chase Banks part. 

Two things stick out as problematic for Chase Banks claim ( Chase letter dated XX/XX/XXXX attached here ) that the {$200.00} charge reported on XX/XX/XXXX was processed correctly or was authorized. 
1. The fraud report for a string of suspicious transactions was initiated with Chase Bank on XX/XX/XXXX. 
2. The transaction date on the letter is listed as XX/XX/XXXX to XXXX in the amount of {$200.00}. 

The XX/XX/XXXX charge to XXXX was initiated on XX/XX/XXXX. 

What I dont understand is that after I told Chase Bank on XX/XX/XXXX that a charge of {$200.00} to XXXX was made as a part of the XXXX Refund scam I was a victim to, why did Chase Bank still allow the charge to go through on XX/XX/XXXX? 

I dont understand why all the other charges made to my account as a part of this scam reversed in my favor and this one is now, 2 months later, being considered a correctly authorized charge. 

I believe Chase Bank has made an error in its research on this matter and should immediately rescind its decision to remove {$200.00} from my account. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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: MA

Complaint narrative:
XXXX - account number : XXXX Reporting XX/XX/2019 - all reports reporting 30 days late. this account was never late and they are refusing to provide proof or remove the account information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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: MA

Complaint narrative:
XXXX  - account number : XXXX Reporting XX/XX/2019 - all reports reporting 30 days late. this account was never late and they are refusing to provide proof or remove the account 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 2021-02-23 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: MA

Complaint narrative:
XXXX - account number : XXXX XXXX XX/XX/2019 - all reports reporting 30 days late. this account was never late and they are refusing to provide proof or remove the account 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 2021-02-23 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: ADIR INTERNATIONAL LLC
State: CA

Complaint narrative:
I contacted the company XX/XX/XXXX & XX/XX/XXXX ' XXXX to dispute this account as a fraudulent account not belonging to me, after receiving a alert from my credit union that this account was opened in my name and showing up on my credit report. The account was opened XX/XX/XXXX. I didn't open this account and had no knowledge of this company. I disputed this account with all three credit bureaus as well as notified my bank. When I called the company ( CURACAO ) directly as noted above, they refused to talk to me, as my information/phone number did not match that of the account. Well wouldn't that be a possible indicator of fraud? Now the card holder is delinquent on her account, that's being reported on my credit report and it's causing my credit score to fall. I do not get any correspondence such as billing ( The bill does not come to my address that I've lived at for nearly 18 years ) due to this not being my account. Not only does my phone number not match this account, neither does my address match this account. Because it was obviously opened by someone other than me who did not have my phone/address information.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
XXXX XXXX card - reporting late on 3 credit reports XX/XX/2019 by 30 days. account number XXXX account has never been late

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
XXXX XXXX card - reporting late on 3 credit reports XX/XX/2019 by 30 days. account number XXXX account has never been late

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 2021-02-23 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: MA

Complaint narrative:
XXXX XXXX card - reporting late on 3 credit reports XX/XX/2019 by 30 days. account number XXXX account has never been late

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 2021-02-23 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: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
ally finacial account number XXXX this account is in dispute because XX/XX/2018 the vehicle was deemed a total loss by means of a tree falling on it. The insurance company settled this debt and the GAP insurance provided the difference. THIS ACCOUNT WAS NEVER LATE. HOWEVER THEY ARE STILL REPORTING ON ALL 3 REPORTS LARE 90 DAYS, 60 DAYS AND 30 DAYS.

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 2021-02-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I submitted a certified letter to all three credit bureaus requesting how they verified a public record. There response was this section includes a public record items obtained from local, state and federal courts through a third party vender, XXXX. 

I contact XXXX XXXX and they could not verify and removed the public record. 

XXXX XXXX submitted 3 disputes 3 times to the credit bureaus they never responded. 

I also contact the Western Tennessee Bankruptcy Court and received a letter from them that they also do not verify. 

so, how can the bureaus verify this 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 2021-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I submitted a certified letter to all three credit bureaus requesting how they verified a public record. There response was this section includes a public record items obtained from local, state and federal courts through a third party vender, XXXX. 

I contact XXXX XXXX and they could not verify and removed the public record. 

XXXX XXXX submitted 3 disputes 3 times to the credit bureaus they never responded. 

I also contact the XXXX Tennessee Bankruptcy Court and received a letter from them that they also do not verify. 

so, how can the bureaus verify this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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: MA

Complaint narrative:
XXXX XXXX, ACCOUNT NUMBER XXXX REPORTING 30 DAYS LATE XX/XX/2020 THIS INFORMATION IS NOT CORRECT. THIS ACCOUNT WAS NEVER LATE

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 2021-02-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, we made an additional payment of {$1200.00} towards the principal of our BOA mortgage. Due to a BOA system glitch, this amount was double posted and then incorrectly reversed twice, instead of once. Since then, Ive been calling BOA customer service numerous times and the wait was almost 2 hours each time and the need to repeatedly explain the same story. Some reps could easily understand the issue but some couldnt. However, they all needed to create case # to escalate this issue. We had received 4 cases # on the same issue because some of them were closed without any resolution. 

After 3 months of back and forth, this issue was still not revolved by XXXX when we refinanced our mortgage with another bank. In the past two months in XXXX, we even went to our local BOA branch seeking for the managers help. However, BOA mortgage department now claimed they couldnt do anything since our mortgage account has closed. BOA may consider {$1200.00} not a big amount for them, but its critical for me as a retiree especially during the current pandemic. The key issue Im fighting for is our customers right. We desperately need your help to resolve this for us. Thanks.

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 2021-02-23 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:
Just share with you our current situation. We were under " no visa '' status for the last 6 months due to immigration status and pending XXXX. We have not had any incoming source at all. Nobody contacted me before this decision.

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 2021-02-23 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
Ive detected ID Fraud. I noticed once I ran my credit to purchase a home and seen accounts that I did not open.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
NET credit continues to report my account on transition as 30 days late. Account was also disputed on my XXXX report and net credit was able to correct the status as account paid and never late.

Company response to consumer: Closed with explanation