vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-03 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: PA

Complaint narrative:
XXXX XXXX has fraudulently reported this debt back and fourth as closed and charged off account on my credit report each time I dispute for update with different credit bureau XXXX XXXX reports different information going from closed account to account charged off which had destroyed my credit on a debt that's been reported closed and charged XXXX  XXXX  didn't want to take responsibility for the damages that the vehicle had during a repo when. I picked up vehicle it was leaking gas and could not be driven off the lot vehicle was towed to XXXX XXXX XXXX  where XXXX  XXXX  spoke with 3rd party released my account information and have promise mechanic payment for damages XXXX  XXXX  was confirmed responsible for damages in transportation of vehicle when finally repaired no on one wanted me to have the vehicle for months I needed my vehicle to get back to work XXXX XXXX XXXX  kept vehicle almost one year only consultanting directly to XXXX  XXXX  where they released my account information with XXXX XXXX XXXX. XXXX XXXX made negotiation with XXXX XXXX XXXX  without me and retrieve vehicle from XXXX XXXX XXXX XXXX robbed me of my life my job the vehicle my credit when they made me pay for a vehicle undrivable from then I called corporate to investigate they close investigation without merit or concerns that vehicle wasn't drivable upon being redeemed although I was advised before arriving vehicle was drivable XXXX  XXXX  took my money for car and as a result I was never able to drive that vehicle credit was destroyed my credit job lost with no vehicle and my life set back by XXXX  XXXX  not honoring they're mission they also released my account information to XXXX XXXX XXXX and spoke to them and not me about holding on to the vehicle which prevented me from having any use of the vehicle after one year they made a deal with XXXX XXXX XXXX and did not honor the customer XXXX  XXXX  picked up vehicle from XXXX XXXX  XXXX  which has all this information has been monitored and recorded and the information pertaining to this account I want this account remove and updated properly my family and credit has suffered enough at this point this account has fraudulent activity all over it XXXX  XXXX  needs to take accountability and responsibilities for the damages of vehicle disclosure of my account information to 3rd party and still charging me as if this account isn't reported as charged off this entire account was fraud on XXXX  XXXX  behalf of my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 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: PA

Complaint narrative:
XXXX XXXX has fraudulently reported this debt back and fourth as closed and charged off account on my credit report each time I dispute for update with different credit bureau XXXX XXXX reports different information going from closed account to account charged off which had destroyed my credit on a debt that's been reported closed and charged XXXX  XXXX  didn't want to take responsibility for the damages that the vehicle had during a repo when. I picked up vehicle it was leaking gas and could not be driven off the lot vehicle was towed to XXXX XXXX XXXX  where XXXX  XXXX  spoke with 3rd party released my account information and have promise mechanic payment for damages XXXX  XXXX  was confirmed responsible for damages in transportation of vehicle when finally repaired no on one wanted me to have the vehicle for months I needed my vehicle to get back to work XXXX XXXX XXXX  kept vehicle almost one year only consultanting directly to XXXX  XXXX  where they released my account information with XXXX XXXX XXXX. XXXX XXXX  made negotiation with XXXX XXXX XXXX without me and retrieve vehicle from XXXX XXXX XXXX XXXX robbed me of my life my job the vehicle my credit when they made me pay for a vehicle undrivable from then I called corporate to investigate they close investigation without merit or concerns that vehicle wasn't drivable upon being redeemed although I was advised before arriving vehicle was drivable XXXX  XXXX  took my money for car and as a result I was never able to drive that vehicle credit was destroyed my credit job lost with no vehicle and my life set back by XXXX  XXXX  not honoring they're mission they also released my account information to XXXX XXXX XXXX and spoke to them and not me about holding on to the vehicle which prevented me from having any use of the vehicle after one year they made a deal with XXXX XXXX XXXX and did not honor the customer XXXX  XXXX  picked up vehicle from XXXX XXXX  XXXX  which has all this information has been monitored and recorded and the information pertaining to this account I want this account remove and updated properly my family and credit has suffered enough at this point this account has fraudulent activity all over it XXXX  XXXX  needs to take accountability and responsibilities for the damages of vehicle disclosure of my account information to 3rd party and still charging me as if this account isn't reported as charged off this entire account was fraud on XXXX  XXXX  behalf of my credit

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 2020-11-03 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: AL

Complaint narrative:
My identity was used by someone else to open fraudulent accounts. This has resulted in the following FRAUDULENT items to appear on my credit reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.

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 2020-11-03 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: CASHCALL, INC.
State: CA

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 an investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RICHLAND HOLDINGS, INC.
State: NV

Complaint narrative:
Inaccurate reporting. I have had no business with ACCT CORP OF SOUTHERN NEVADA there is two different amounts being reported on my XXXX  account {$290.00} and XXXX  {$300.00}. Last reporting XX/XX/2020.

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 2020-11-03 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, and XXXX with no successful resolution. XXXX, XXXX, and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), also I was never 60 days late ( XX/XX/XXXX ), and I was never 90 days late ( XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I have a loan with AMEX. 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, and AMEX with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 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: Portfolio Recovery Associates, LLC
State: CA

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 an investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 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: CA

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 an investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I applied for the blue cash preferred card through American Express because new members would receive 1. ) the XXXX $ annual fee waived for the first year and 2. ) a bonus {$300.00} cash back after making {$3000.00} in purchases before XX/XX/2020. 
Neither promotional offers have been awarded to my account and upon phoning American Express was told neither applied to my account but he the phone banker couldnt or would not explain why.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 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 EXPRESS COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX I sent a certified letter # XXXX to American Express regarding the issue with Account number ending XXXX. The alleged balance of {$5200.00} ( massive fraudulent charges ) continues to be cited on my credit report by American Express. I tried multiple times to resolve this issue with Amer Exp since XXXX but to no avail. As of today XX/XX/XXXX I haven't received any response from Amer Exp in regards to the letter previously stated above. This account continue to be reported by Amer Exp as owed on my XXXX  credit report. XXXX  continue to report this issue after my submitted dispute on XXXX  website XX/XX/XXXX. I'm requesting that this derogatory report be investigated and removed from my credit report immediately. Additional information and documents can be submitted upon request. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 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: MO

Complaint narrative:
Im disputing the following accounts due to the fact that the accounts are fraudulent and does not belong to me. My identity was compromised and put on the dark web. And this has affected my credit files greatly. I'm demanding the immediate removal of these unauthorized accounts. 

1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX XXXX XXXX 6. XXXX XXXX XXXX  7. XXXX XXXX {$3.00} 8. XXXX XXXX {$110.00} 9. XXXX XXXX {$280.00} 10. XXXX XXXX XXXX {$3.00} 11. XXXX XXXX XXXX {$16000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 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: MO

Complaint narrative:
Im disputing the following accounts due to the fact that the accounts are fraudulent and does not belong to me. My identity was compromised and put on the dark web. And this has affected my credit files greatly. I'm demanding the immediate removal of these unauthorized accounts. 

1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX {$3.00} 8. XXXX XXXX {$110.00} 9. XXXX XXXX {$280.00} 10. XXXX XXXX XXXX {$3.00} 11. XXXX XXXX XXXX {$16000.00}

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 2020-11-03 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: MO

Complaint narrative:
Im disputing the following accounts due to the fact that the accounts are fraudulent and does not belong to me. My identity was compromised and put on the dark web. And this has affected my credit files greatly. I'm demanding the immediate removal of these unauthorized accounts. 

1. XXXX XXXX XXXX XXXXe 2. XXXX XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX {$3.00} 8. XXXX XXXX {$110.00} 9. XXXX XXXX {$280.00} 10. XXXX XXXX XXXX {$3.00} 11. XXXX XXXX XXXX {$16000.00}

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 2020-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: FinCo Services Inc DBA Current
State: IL

Complaint narrative:
I am owed a provisional credit while waiting for investigation I would appreciate that because that transaction should have fell off anyway my money shouldnt have been taken

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BOK FINANCIAL CORP
State: NM

Complaint narrative:
On XX/XX/XXXX I opened a youth savings account for my grandson at Bank of Albuquerque in XXXX New Mexico so that social security can deposit his backpack. I also opened a checking account. In the checking account I deposited {$1500.00} to start the account and {$50.00}. to start the savings account. I have never had a problem with either of these accounts. I went into the bank and opened up these accounts with a personal banker. My grandson got his first deposit of three on XX/XX/XXXX and both accounts are and were in excellent standing. I have problems with the FBI IN XXXX NEW MEXICO. I am currently suing XXXX  XXXX XXXX for allowing the FBI to illegally search my safety deposit box without a warrant. I expressed this concern to Bank of ALBUQUERQUE. There was weird stuff going on with my account so I called the bank several times and asked them questions about my account. For instance I would have charges clear and then they would be tied up again as if to tie up my available money. The bank said noone has asked them for information and they didn't know anything about the FBI. I have 8 calls recorded that I made to bank of ALBUQUERQUE about this problem. I asked bank of ALBUQUERQUE if they were able to give me a time stamp of all the times a bank official had accessed my account? They said yes and told me to call the legal number. I did and left a message. I didn't hear anymore about it until today XX/XX/XXXX when I received a letter from Bank of Albuquerque it was a Notice of Termination account relationship they stated they're closing my account as of XX/XX/XXXX without a reason as to why. They stated all my money would have to be out of the account by then or they will forward it to me in a check they asked me to stop using my bank card. Told me I was welcome to go to a branch to close it out. I have a problem with this because my grandsons social security goes in the account and I have done nothing but tell the bank I don't want the FBI XXXX illegally accessing my accounts with out proper warrants and documentation. The letter they sent to me makes it look like I have done something illegal and I haven't it also makes other Banks not want to have a banking relationship with me. I believe it's retaliation because they have already let the FBI have access to my accounts without a warrant and to avoid liability and responsibility for it they are making it look like I did something wrong which isn't the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 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 {$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/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 ACCOUNT 1. XXXX/XXXX/XXXX XXXX  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 2020-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I deposited cash and a check over the last 2 days with a positive checking balance and somehow my account is showing negative XXXX dollars. What are these thieves at BB & T up to?

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 2020-11-03 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 {$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/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 ACCOUNT 1. 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 2020-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: BANK OF THE WEST
State: IL

Complaint narrative:
This is pertaning to Bank of the West XXXX XXXX XXXX, XXXX ND XXXX XXXX. I reported fraud on this on XX/XX/2020 In the amount of {$940.00} Account XXXX through XXXX  XXXX  and now this bank has tied itself to my current savings account which is now put on hold untill I pay in full or show proof that it has been removed from my report which it needs to be because I did not open this account nor did I write checks. This is Identity theft and I want to report it as so.

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