vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-29 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: DISCOVER BANK
State: MI

Complaint narrative:
I have a credit card account with Discover Bank. I have had it for over XXXX  years. I have perfect credit history with no a single missed payment in the past XXXX  years. I had set up auto pay on the account years ago, and have been making payments on the account proactively ever since I have had it. I stopped using the card months ago due to issues with the website ; however, it appears a couple of transactions came through unexpectedly and triggered a payment for {$80.00}. Since I had set up auto pay years ago ( probably over a decade ago ) I expected any transactions that come through to be paid automatically. However, it seems that feature had somehow turned off, and I didn't receive any sort of notifications on my updated email to indicate the payment is late. In fact, I only found out after it hit my credit report and XXXX XXXX  alerted me to a change on my profile. The bank had reported the transaction as late XXXX  days. I contacted the bank to no avail, as no one was willing to even entertain the thought of helping. I of course made a payment immediately to pay it off since it was an insignificant amount, but the bank refused to remove the derogatory hit, event though this was the result of a banking error since the auto pay was somehow removed from my account. I request for the bank to remove the reporting of the XXXX  days late from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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: WI

Complaint narrative:
It is the Credit Reporting agencies duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are not. Experian is reporting XXXX inaccurate late payments for the XXXXXXXX XXXX XXXX  property with account number XXXX. This includes late payment XXXX  days from XXXX XXXX XXXX days late payment from XXXX XXXX XXXX  days late payment form XXXX XXXX XXXX days late payment from XXXX, XXXX, and XX/XX/XXXX, to include XXXX  days late payment from XXXX and XX/XX/XXXX. These are incorrect and supposed to be reported as Paid as Agreed. This is a " TIME SHARE '' XXXX XXXX XXXX. We are in litigation to end the time share agreement. Because of XXXX, we were not allowed to use the property. We started legal action to end the TIME SHARE. XXXX XXXX XXXX stopped taking payment from XXXX, we did not stop payment to them. Furthermore, pursuant to 15 U.S.C. 1681 a ( d ) ( 2 ) ( A ) ( i ), a consumer report does not contain information solely as to transactions or experiences between the consumer and the person ( s ) making the report. A transaction constitutes these late payments resulting in Experian violating my Federally protected consumer rights. To add to this, I did not give Experian written instruction/permission to furnish these inaccurate late payments on my consumer report or file, thus violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that EXPERIAN has violated my federally protected consumer rights under FCRA and the inaccurate reporting is causing me undue hardship and my reputation severe harm and discrimination.

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 2023-03-29 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: FL

Complaint narrative:
In XX/XX/2022, I sold a XXXX XXXX XXXX XXXX on XXXX for {$1900.00}. The buyer then opened a dispute with his bank for " item not as described '' and was refunded by his bank the full amount. The buyer then listed the ( now stolen ) laptop on his own XXXX, with my exact listing, description, and photos, and sold the laptop for {$2000.00}. 

XXXX, attempted to collect {$1900.00} from me to settle the buyers fraudulent dispute. I had informed Bank of America that I had been scammed and asked them what to do. Bank of America, on my behalf, disputed the XXXX charge, and opened a new checking account from me so XXXX could not attempt to collect, and bank of America also blocked XXXX from taking money from my account. 

Fast forward some time, and XXXX is trying to send me to collections over the {$1900.00} that was wrongfully stolen from me. I called Bank of America and asked them if I should pay it, to avoid being sent to collections, and then dispute it, to extend the amount of time I have to work on this in small claims and avoid collections. Bank of America TOLD ME this would be a good idea, and they would help me through it. 

So I called back Bank of America, and they advised me " I SHOULD PAY & DISPUTE IT ON MY CREDIT CARD & NOT MY DEBIT CARD. '' Bank of America walked me through the dispute and filed it for me, and came back a week or so later and DENIED my dispute. 

The reason for denial is because " the dispute is against a 3rd party '' This hardly makes sense to me, the dispute is against XXXX, which allowed the buyer of my laptop to blatantly rob me, and XXXX helped the buyer facilitate the fraud against me, XXXX is trying to collect from me, not the buyer. 

Even if it was against a 3rd party, if I use my Bank of America credit card to buy Bananas at XXXX and dispute it, the bananas are made by a 3rd party... not XXXX What really bothers me is I would have never paid it if Bank of America hadn't advised it was a good idea. I would have not disputed it if Bank of America didnt tell me to. Bank of America told me to pay & dispute it on my credit card, and not my debit card. 

Bank of America told me after the fact, disputes against a 3rd party would have been covered if I had paid and disputed with my DEBIT card. 

I was completely mislead and lied to by bank of america. They misguided me and lost me {$1900.00}. It is the rep at Bank of America who TOLD me what do to and how to dispute it, THEY walked me through the dispute process, and wrongfully denied it on a technicality.

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 2023-03-29 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Mitsubishi Motors North America, Inc.
State: ME

Complaint narrative:
I have been receiving threatening phone calls from XXXX XXXX to collect on a debt for a vehicle that was repossessed in XXXX. I was first told that the company was a law firm but when I spoke to someone at the return phone number they only refered to themselves as case managers. They have told me that they are sending someone to my house with a summons, that they will be suing me, that they are in the process of putting a lien on my current vehicle, they threatened my credit and my husbands who was not part of the original debt. Most recent calls were yesterday XX/XX/XXXX and today XX/XX/XXXX. Today 's message also stated that they " firm '' is ready to take legal action and they are having the information forwarded to me and without further notice stating the phone call was my notice. I told them that the debt is outside the statute of limitations and they told me that they still had the right to collect on the debt.

Company response to consumer: Untimely response
Consumer complaint received 2023-03-29 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX I sent a friends and family payment of {$440.00} on XXXX  to what was a mutual on social media in the XXXX XXXX fandom. I believed I was buying concert tickets to XXXX 's XX/XX/XXXX show, and since we were mutual followers and she ran an active fan account I didn't think anything was weird until she kept making excuses not to send the tickets. That's when I found other 's on XXXX  calling her a scammer and pointed this out to her, she told me she already spent my money and then stopped responding. I have filed a police report on top of disputing with my bank and have reported her to XXXX ( who has taken down her account ) However, disputing the transaction has been a nightmare. XXXX told me to contact my bank and they'd be able to send the information on their end to have it charged back, however my bank denied this and told me I need to contact XXXX, then I call XXXX and they tell me to dispute with my bank, this has been back and forth and I just want my {$440.00} back. I never received tickets, they did not ever exist this woman scammed multiple XXXX XXXX fans and XXXX isn't even blocking her account. I just want my money back as it is a fraudulent charge. The charges are XXXX separate charges of {$220.00} labeled ticket XXXX and ticket 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 2023-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I never glad services at this address only stayed there for XXXX weeks with a friend of for work purposes

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 2023-03-29 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: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
In late XX/XX/XXXX, I filed a dispute about late payments and statements on my credit reports. The dispute led to the company updating the information they were reporting in XXXX of XXXX. I have copies of the updated reports with a statement from the company that states they have updated their reporting in response to the dispute. 

However, the updates made by the company didn't come with any documentation or proof that would lend transparency to an investigation. Further, when making the updates, the company 's reporting conflicts from XXXX report to the other. ( For example, XX/XX/XXXX states " Unknown History '' on report A, states " XXXX  days Late '' on report B, and states " XXXX  days Late on report C ). Lastly, to add insult to injury, after being confronted with my first CFPB complaint and responding, " there was nothing to see here ... '', the company reported a correction/ update with XXXX trying to make their overall report more cohesive. This is some XXXX  days later, and still, absent any documentation to support the reporting. 

XXXX documents are included : XXXX. Shows statement of update and thus an acknowledgment of dispute in XX/XX/XXXX XXXX. Shows conflict from XXXX report to the other ( exp : XX/XX/XXXX history & XX/XX/XXXX Date of XXXX delinquency ) XXXX. Shows an attempt to update within the last week ( after the fact )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-29 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: SC

Complaint narrative:
I have several deregatory accounts that are reporting to my credit report inaccurately. I have sent XXXX, Equifax, and XXXX several dispute letters in an attempt to make them either update the account to reflect correctly or remove the account completely. They have failed to update the accounts after several investigations. I have closed accounts that still show a balance, I have accounts that are reporting different account numbers across all 3 credit bureaus. These are all in violation of the FCRA. The listed accounts below need to be updated promptly or removed from my credit file immediately. 

I HAVE ATTACHED SCREEN SHOTS OF THE BELOW LISTED ACCOUNTS REPORTING INACCURATE AND INCOMPLETE INFORMATION WHICH ARE UNDERLINED. THESE ACCOUNTS NEED TO BE REMOVED FROM MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have several deregatory accounts that are reporting to my credit report inaccurately. I have sent Experian, XXXX, and XXXX several dispute letters in an attempt to make them either update the account to reflect correctly or remove the account completely. They have failed to update the accounts after several investigations. I have closed accounts that still show a balance, I have accounts that are reporting different account numbers across all 3 credit bureaus. These are all in violation of the FCRA. The listed accounts below need to be updated promptly or removed from my credit file immediately. 

I HAVE ATTACHED SCREEN SHOTS OF THE BELOW LISTED ACCOUNTS REPORTING INACCURATE AND INCOMPLETE INFORMATION WHICH ARE UNDERLINED. THESE ACCOUNTS NEED TO BE REMOVED FROM MY CREDIT FILE.

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 2023-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: WA

Complaint narrative:
I called US Bank to close my checking account on XX/XX/2023, and there was remaining balance of {$1500.00}. The customer service assistant told me that I would receive a check in around a week. 

After around 1 month without seeing the check, I called US Bank again to check the status on XX/XX/2023. I talked with them for over 2 hours and and was told that they had already sent the check around a week after the account closure. I submitted a complaint to CFPB on XX/XX/2023 and US Bank responded that they had mailed Declaration of Loss form to me on XX/XX/2023. 

I signed the Declaration of Loss form and mailed it back to US Bank on XX/XX/2023, but I still haven't received my new check yet. 

( After I mailed the Declaration of Loss, I received the old check which I declared loss. )

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 2023-03-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
On XX/XX/2023 I XXXX XXXX XXXX returned merchandise bought at XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, CA XXXX which the merchant issued me a receipt of refund of {$3500.00} going to my Coinbase debit XXXX card ending in XXXX. I have already spoken to XXXX XXXX multiple times and they confirmed that the refund went through with approval # XXXX. My Coinbase card has been deactivated since them and no longer have access to any of my funds there. I spoke to Coinbase multiple times and ensures me that no refund was issued and that my card is working. I need access to my funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-29 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: MI

Complaint narrative:
I sent a letter multiple times to TransUnion, XXXX, and XXXX. Here are my tracking numbers : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. However, it has been more than 30 days and I have not received a response regarding my investigation. The status date on my credit report has not changed, which means they are clearly not investigating the accounts. 

I am aware of my consumer rights and demand that all accounts that are negatively affecting my credit rating and violating my consumer rights be removed or blocked from my credit report. I will pursue damages for each account that is in violation if not updated.

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 2023-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax is furnishing accounts on my consumer report that is a result of an alleged identity theft. The accounts are information that does not relate to any transactions by myself and I did not benefit from them. I sent XXXX a written correspondence which included my proof of identity, an identity theft report, identification of such information and as statement as the law requires. They are required to block and delete these accounts within 4 business days or receiving my notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX Account. # XXXX Account name : XXXXXXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX XXXX XXXX  # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: North State Acceptance, LLC
State: SC

Complaint narrative:
The company has stated that they had a right to run a credit report however they did not have my legal permission to run the credit report. Nor did they confirm my address needed for the credit report has they have not documentation from me that the address that they used was my physical address. As far as the 4 mileages concern, they have record that the address that they had on file was my correct address as the documentation they have uploaded has the correct address. As they have lied about the mileage distance from the old address to the new address. Both documents clearly have two different addresses. It is the company 's obligation to keep track and comprehend all the information that they receive and send out to their customers. Falsely accusing a customer of not holding insurance that was obtained at the time. You all repossessed the vehicle in XXXX, and I got the vehicle back the same day. Do make sure that your information is accurate. I had XXXX  yes and you all still received money at the XXXXXXXX XXXX  location before you all had closed that location. Then later accepting multiple payments past XXXX of XXXX per month. which I have receipts for to repossess the vehicle in XXXX and lie and say I missed a payment in XXXX after already receiving payment is scamming and horrible integrity has a company. Then you not only repossessed from my home. You sent me mail three days after the repossession that I owed a payment of XXXX and warning me of a repossession after i've been paying XXXX. My mother was listed as a reference not my legal address and you physically went and harassed her during the first repossession. By law in the state of North Carolina Fair Debt Collection Practices Act 58 70 100. Harassment. No collection agency shall use any conduct, the natural consequence of which is to oppress, harass, or abuse any person in connection with the attempt to collect any debt. By law North state acceptance should have contacted me and requested for permission especially putting a po box address as my address. For future reference since you have not received a notarize documentation from me with signature of an updated address and placed a non-resident address on my credit report after never receiving a written notice from me regarding an updated address. Also using my social security number without my permission especially since I had a credit freeze you illegally ran my credit on XX/XX/2023 during the freeze and used my social without my consent and XXXX has it documented, and it has been reported as identity theft. Now a fraud claim has been filed and lawsuit in action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
No clue what this is and suddenly started getting dings from all the credit monitoring companies I pay for. This is not mine. I looked in my old emails and have not had a loan from this company in over 8 years. Not my debt Deb Recovery Solutions

Company response to consumer: Closed with explanation