vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-22 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
After me contacting each bureau personally and creditor personally I do not see an update on my credit report. I contacted the creditor month ago XXXX regarding why a student loans was reporting not 100 % creditor then stated that everything was paid and the bureaus made a mistake on there end. Contacted the bureaus and they confirmed that they will dispute and update it they never did! They lied and keep reporting false information on my report which is against the Fcra section 609. There are wrong balances and payment dates and amounts please fix this issue ASAP I shouldnt have to wait on yall when yall going against multiple laws It was never a response! They never responded to me! or updated anything

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 2021-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was a customer at Wells Fargo bank from XXXX. My information and my account was used witout my permission or authorization. This ruined my credit score for credit card that I did not authorize as well as fees being put on me without my knowledge. I made my complaint to Wells Fargo and other issues with my information and identity theft because of my information and data including my social security number and other information. Mycredit score has been damaged and I still have not got my credit score fix and I am unable to get my credit back to a plus. I am askig for help in how I can get my score fixed. I made my complaint to all three bureaus.My identity is ruined from my information being compromise with banks and I was also scam and ask help from these two banks and XXXX dud nothing to help me as a customer gor my losses as well as my information being use to open credit cards without my permission or even knowing that this was going on. When I ask for help from banks I was treated unfairly and discriminated on.

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 2021-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I am writing this letter in hope of recovering a missing mortgage payment in the amount of {$3400.00} returned to my Bank of America checking account by the XXXX XXXX Mortgage. 
XXXX XXXX Mortgage, my mortgage holder claims, my XX/XX/2021 a mortgage payment was returned to Bank of America on XX/XX/2021 as Revoked. When contacted Bank of America to retrieve the funds, they have denied ever receiving a retuned mortgage payment from XXXX XXXX. 
XXXX XXXX have closed their investigation, and the Bank of America have refused to open a new investigation to locate the missing funds. 
Currently one month behind my mortgage payments to XXXX XXXX, and as a result having a hard time paying the mortgage on time.

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 2021-09-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
I am the victim of identity theft. I became aware of the identity theft over 3 years ago when I was in the process of purchasing a new home. I discovered my personal information had been used illegally to purchase things in my name. I have made a police report for identity theft. I have frozen all of my accounts with XXXX, XXXX, and XXXX. I have also added a statement to all 3 reports that I am the victim of identity theft. I have added a credit alert as well. I received an alert today from all 3 bureaus that my credit reports were flagged for collection for an account I never opened. I received a letter in the mail from a company named " Caine & Weiner '' for the amount of {$110.00} dollars with the original debtor being " XXXX ''. I reached out to Caine & Weiner and explained to the company that I was the victim of identity theft and that this was a fraudulent account. This call took place 2 months ago. And today I am shocked to see that this company still went along with adding a fraudulent account onto my reports. I called Caine & Weiner back this morning, to let them know again that this was a fraudulent account and I was going to make a report against their company because I have already communicated with this company in regards to this issue. I have already disputed this account with all 3 bureaus XXXX, XXXX, and XXXX. I have never had an account with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd.
State: TX

Complaint narrative:
I called Harris and Harris XXXX at XXXX on XX/XX/XXXX. I was inquiring about debt validation and the operator started screaming at me that I know I owe this money and I replied that I am just asking questions to verify the debt. I asked to speak to her supervisors and was placed on hold for 30 minutes. I could no longer wait on hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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: CA

Complaint narrative:
on XX/XX/2021 I have recently reviewed my credit report and notice there are items reporting that I have no knowledge of, I never had any consumer transaction, credit extended, or authorized doing any business with the companies, as a matter of fact, I was never notified that these items were going to appear on my credit report, I have sent you a letter of my concern of the misleading, untrue, inaccurate and unproven items on my credit report but I have not received a response for you yet, I'm positive this is a violation of my consumer rights

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 2021-09-22 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: GOLDMAN SACHS BANK USA
State: MI

Complaint narrative:
On XX/XX/2021, I went into the XXXX XXXX  in XXXX XXXX, Mi to purchase an XXXX with a consumers credit transaction. Apple ran my credit through GOLDMAN SACH BANK USA without my knowledge to get an apple credit card and I was not approved. 

Under 18 USC 1028 ( a ) - FRAUD AND RELATED ACTIVITY IN CONNECTION WITH IDENTIFICATION DOCUMENTS, authentication features and information ( 7 ) knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person with the intent to commit, or to aid or abet, or in connection with, any unlawful activity that constitutes a violation of Federal law, or that constitutes a felony under any applicable State or local law ; or I was not approved based on information that APPLE took from someone else and obtained from someone else other than myself. I, as a consumer am the only who who can extend credit. Apple is in violation of 18 USC 1028 ( a ) ( 7 ).

Under 15 USC 1602 ( p ) - DEFINITIONS AND RULES OF CONSTRUCTION ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 

Apple is also in violation of 15 USC 1602 ( p ), unauthorized use!

Under 15 USC 1681 ( b ) ( 2 ) - Permissible Purposes of Consumer reports ( a ) In General Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Apple did not have permissible purposes. I did not give Apple any written consent. No consent is identity theft. Please send me a copy of the written consent that I, myself gave you.

Apple is in violation of 15 USC 1681 ( b ) ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2021-09-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: R & B Corporation of Virginia
State: KS

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/2021 I received a letter from Capital One saying I'm not eligible for a credit line increase. 

The letter stated : " We want to help you understand why : The credit reporting agency has reported a recent credit delinquency Your current credit score is too low. 
Please see the back of this letter for determining factors. 
" Our credit decision was based in whole or in part on information obtained in a report from the consumer reporting agency listing below. '' " The reporting agency played no part in our decision and is unable to supply specific reasons why we have denied credit to you. " " We also requested your credit score to make our credit decision. Your credit score is a number that reflects the information in your credit report. '' I talked with XXXX ( XXXX ) of Customer Resolution Team on XX/XX/2021. She " supposedly '' filed a complaint. In that phone call she obviously didn't know my rights pursuant to federal law. 

I'm the original creditor, I can't be denied my own credit for reasons they have stated. I have sufficient reason to believe I am being discriminated against for whatever reason. Of course they are not going to admit it but their actions prove other wise because they have no legitimate reason to deny me of my own credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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: MI

Complaint narrative:
After me contacting each bureau personally and creditor personally I do not see an update on my credit report. I contacted the creditor month ago XXXX regarding why a student loans was reporting not 100 % creditor then stated that everything was paid and the bureaus made a mistake on there end. Contacted the bureaus and they confirmed that they will dispute and update it they never did! They lied and keep reporting false information on my report which is against the Fcra section 609. There are wrong balances and payment dates and amounts please fix this issue ASAP XXXX shouldnt have to wait on yall when yall going against multiple laws It was never a response! They never responded to me! or updated anything

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 2021-09-22 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: EQUIFAX, INC.
State: MI

Complaint narrative:
After me contacting each bureau personally and creditor personally I do not see an update on my credit report. I contacted the creditor month ago XXXX regarding why a student loans was reporting not 100 % creditor then stated that everything was paid and the bureaus made a mistake on there end. Contacted the bureaus and they confirmed that they will dispute and update it they never did! They lied and keep reporting false information on my report which is against the Fcra section 609. There are wrong balances and payment dates and amounts please fix this issue ASAP I shouldnt have to wait on yall when yall going against multiple laws It was never a response! They never responded to me! or updated anything

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: OH

Complaint narrative:
I received a phone call from ERC, or Enhanced Recovery Company on XX/XX/2021. I didn't speak to them and hung up, found out they were a debt collector by XXXX their phone number, made a debt validation letter and sent it to them via certified mail. I didn't receive a validation letter with paperwork about the debt until XX/XX/2021. They were supposed to send me a debt validation letter within 5 days and they did not. This debt collection needs to stopped and deleted. I have attached additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: GA

Complaint narrative:
I reported these Transactions last month but I was told the boarding pass had my name on it which is not true. These transactions were not authorized. I have not been able to get any help and when I call the call center, the agents are very rude. Im not understand why i cant talk to anyone in the dispute department. This bank is too big not to be able to talk to anyone in the dispute department. 

XX/XX/XXXX XXXX XXXX Debit Card Purchase XXXX XXXX XXXX XXXX XXXX XXXX Debit Card Purchase XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Debit Card Purchase XXXX ____________________________________________________________________ XXXX XXXX XXXX I have disputed this transaction after fighting with the hotel to refund me my money for a hotel stay that i did not stay at. The room was nasty & dirty and I canceled my stay at the hotel and I was told I wouldn't be charged for this and I was still charged. Well I have provided the bank with all the info that was needed and still I was denied a refund and no one can tell me why.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
I reached out to my bank on several occasions and the bank reached out to company as well. It was a fraudulent transaction so I filed it with the company and they said they would look into it and never did and didnt give me any reason why claim was denied.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
Equifax This is a request to remove the following inquiry that were made without my expressed permission XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CLGF Holdco 1, LLC
State: LA

Complaint narrative:
I XXXX XXXX am in violation of my consumer rights pursuant to the FDCPA 15 usc 1692 by Genesis FS Card Services. 15 USC 1692b. ( 5 ) defines, not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt, Genesis FS Card Services used their company logo on each exhibit I've presented which is a violation of my consumer rights and privacy. 15 USC 1692e ( 2 ) ( a ) defines, The false representation of the amount of any debt. All circled charges are in the positive, if it is a debt that is owed like they " allege '', all charges owed should be in the negative. 15 USC 1692b ( 2 ) defines, not state that such consumer owes any debt. Genesis FS Card Services stated in letter that " This is an attempt to collect debt and any information obtained will be used for that purpose. '' which is in violation of my consumer rights and privacy. Genesis FS Card Services is in violation of The Fair Debt Collection Practices Act ( FDCPA ), and is now civilly and criminally liable.

Company response to consumer: Closed with explanation