vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I did not receive my {$200.00} bonus for setting up a direct deposit of {$1000.00} within 90 days. I have attached the promotion.

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 2023-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: COMMUNITY REINVESTMENT FUND
State: IN

Complaint narrative:
Someone must have received an SBA loan when I was incarcerated. I was in prison from XXXX. This loan was received and applied for during that time. I sent SBA a copy of my identity theft claim and my proof of incarceration. They are still saying that I owe for this loan. Someone apparently had been receiving SSI benefits as well as filed income tax for federal but not state with a job I've never had. It has been corrected with the IRS and it's still in process with social security, but SBA is just sending me bills although I've sent them this information more than once, and I have called them. I do not owe them anything. I was incarcerated without a break or pause throughout those years. I can not pay this bill and I've only recently been released from prison. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
I was contacted by phone by a scammer XX/XX/XXXX. I fell for the scam and provided my card information to them for the amount of {$1900.00}. After researching this merchant, I determined it was a scam and contacted my credit card company by mid XX/XX/XXXX. Initially they reversed the transaction but then since the merchant provided the information they applied it again. I called several times and was told that it was improperly filed as a fraud and could no longer be filed as a dispute. I have mailed emails and provided information this exact scam being on the XXXX. I have requested recording of the phone calls I have had because I am not the one who sent it to the fraud department. I have consistently been told to contact the merchant, a scammer does not care and wont refund the money although I have requested them to as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: AZ

Complaint narrative:
On XX/XX/2022 I paid the original debtor in full. The original debtor verified the amount owed and the cashier 's check was cashed. Also, the amount I paid was consistent with amount on the judgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: FL

Complaint narrative:
I have a disputed account with furnisher XXXX XXXX XXXX XXXX I closed my account voluntarily on the phone with its agent XXXX and my XXXX credit report of XX/XX/XXXX correctly lists the account as Account Closed at Consumers Request. Moreover, I received the attached notice from XXXX XXXX stating that your XXXX XXXX XXXX account on your XXXX credit report was recently listed as closed Based on your credit report information from XXXX as reported on XX/XX/XXXX. However, despite the fact that my account was admittedly reported as CLOSED on XXXX, on XX/XX/XXXX, furnisher and XXXX wrongfully changed the reporting of my account to OPEN and my closed account is frivolously now reported as open as of XX/XX/XXXX to XXXX and Trans Union. The CFPB warned every CRA and all furnishers about the need to have interval controls to prevent this and other kinds of Facially False Data ( closed accounts later being reported as open )..

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 2023-03-09 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: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
15 USC 1681 SECTION 602 : I HAVE THE RIGHT TO PRIVACY 15 USC SECTION 604 SECTION 2 : A CONSUMER XXXX XXXX AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 USC 1666B : A CREDITOR MAT NIT TREAT A PAYMENT ON A CREDIT CARD OPEN END END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: CT

Complaint narrative:
I sent Trans Union a dispute via Certified mail with return receipt that they received on XX/XX/2023. XXXX XXXX As you can see, it was sent from my hometown of XXXX  CT, from the post office on the same street that I live on. That being said, XX/XX/XXXX made 30 days and Trans Union had failed to complete the investigation into the disputed accounts on my consumer credit report. It is to my understanding that every account in question that they have failed to investigate now needs to be deleted from my consumer credit report. Attached will be the certified receipt that they did in deed receive the dispute and the copy of the letter I had sent them. I am aware I can now sue in a court of law for violations. If they would like to avoid that, then the accounts they failed to investigate within 30 days need to be deleted from my Trans Union consumer credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: TRUIST FINANCIAL CORPORATION
State: AL

Complaint narrative:
I have never had an account I have a decent XXXX XXXX and was denied to to demographics.

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 2023-03-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Many tender of payments have been made to Capital One and none of them applied..also Capital one has caused me injury by constantly reporting false statements to my credit report when they are the ones that are in dishonor by not applying my payments. According to UCC 3-603 even if the payments are rejected, ignored or otherwise they are still valid and the debt has to be dicharged. Capital one has further caused me harm by closing all my accounts when payments were tendered. Ive written to Capital one to have the interest they are holding on behalf of the principal account XXXX XXXX XXXX applied to the debt and that also has not been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: W&A Intermediate Co., LLC
State: GA

Complaint narrative:
I went to the emergency room several different times once in XXXX XXXX XXXX for treatment plus I have dual insurance that I used and now an 3 party collection company is telling that the doctor working for the hospital is charging me separately in addition to the hospital visits so basically I'm being double billed for the same visits once by the hospital and once by the doctor in which he's representing and working for the hospital. I believe that double billing it wrong.XXXX  set XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: FL

Complaint narrative:
Experian has caused me physical, mental & financial anguish by violating my rights as a consumer. 
Experian reports serious delinquent payments with company XXXX on my credit report, which is inaccurate & inconsistent. I have tried numerous of times to resolve this matter with Experian to no avail. Experian is in violation, and must acknowledge law- - [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the fol- lowing findings : ( 1 ) The banking system is dependent upon fair and accurate credit report- ing. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

-15 U.S.C. 1681s-2 ( a ) ]. Responsibilities of furnishers of information to consumer reporting agencies. ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to a consumer reporting agency if a person knows or has reasonable cause to believe the information is inaccurate. [ 15 U.S.C. 1681s-2 ( a ) 1 ] ( 2 ) Penalties ( A ) Knowing Violations. Except as otherwise provided by subtitle B of the Consumer Financial Protection Act of 2010, in the event of a knowing violation, which constitutes a pattern or practice of violations of this title, the Federal Trade Commis- sion may commence a civil action to recover a civil penalty in a district court of the United States against any person that 72 violates this title. In such action, such person shall be liable for a civil penalty of not more than {$2500.00} per violation. 
Experian must remove ALL inaccurate, inconsistent, negative remarks showing late payments with the XXXX company, from my credit report, immediately.

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 2023-03-09 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: Thaxton Investment Corporation
State: SC

Complaint narrative:
Heights Finance renewed a joint loan with me and my husband, upon approval we were told we had to consolidate a debt I had at the time with XXXX and they issued funds to us minus the amount I owed XXXX. They said they would be printing an issuing a check to XXXX  billing directly and that we didnt have to deal with anything else. The loan with heights was opened XX/XX/XXXX in the loan documents it shows amount paid directly to us and amount paid to XXXX. I have submitted disputes for XXXX  which hve been returned as denied. Heights finance has misreported the balance due to the credit bureaus and has still been reporting negatively even after we agreed to payments with a debt collector. The debt is now almost paid off totally but heights misreported the balance XX/XX/XXXX and reported as charged off showing as charged off even when payment agreements were made and started in XX/XX/XXXX. There was a lapse in employment but payments have been resumed and debt is almost fully paid off showing current balance of {$300.00} with the court docket. But my credit reports span from $ a little over {$900.00} and {$1500.00} and XXXX and XXXX will not accept new disputes with document proof since I disputed the debts previously. 

XXXX never received the check thats disclosed on loan documents and it has also negatively affected my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: NY

Complaint narrative:
I originally contacted Experian via certified mail on XX/XX/2023 to dispute information reported to Experian by XXXX XXXX. The account numbers are XXXX, XXXX, XXXX, XXXX. The report number is : XXXX. I have disputed four XXXX  XXXX accounts on my Experian report that contains incomplete information. Credit reports must have complete information pertaining to up to 7 years of payment history. Status must be reported and updated every month to credit reporting agencies. I have notified Experian of the incomplete data twice. Experian updated these accounts following my dispute with incomplete data. Their investigation failed to update accounts with current information. This is a violation of FCRA LAW! I have the right now to seek damages for violation of FCRA law in federal court.

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 2023-03-09 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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: MD

Complaint narrative:
In XX/XX/XXXX I enrolled to an offer of US bank  : Earn a {$20.00} statement credit when you spend {$150.00} at restaurants XX/XX/XXXX through XX/XX/XXXX. 

I met the spending requirements before XX/XX/XXXX. However US bank did not post {$20.00} statement credit. 

I called back on XX/XX/XXXX and XX/XX/XXXX. US bank still refused to post statement credit. Their representatives were extremely rude. 

The ticket number is XXXX and confirmation number is 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 2023-03-09 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: Affirm Holdings, Inc
State: FL

Complaint narrative:
Multiple loans only reported as late but not reporting on time payments or that they are paid off in full. The company updated information after my dispute but nothing I see has changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
Hello my name is XXXX XXXX and this is the second CFPB complaint I have had to file about the same issue that Navy Federal keeps telling me for 3 years has been resolved. I am not wasting my time telling the entire story again- please read the prior complaint I have attached and see two documents. Due to having spoken to numerous reps for the past 3 years and no one seeming to be on the same page, I am corresponding here to make sure this is handled properly. Someone called after the last complaint and assured things would be handled and here we go again a year later. Navy Federal needs a much better system of accountability in their auto titles department instead of sending out threatening letters out of the blue with no context. Use the Navy Federal portal to communicate with members specifically and notes should be in the system so employees can read the backstory so they know how to communicate with members.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I'm working hard to protect my credit and this account is stopping me from getting a house I disputed it before this account says it was opened at the time I was incarcerated In accordance with the fair credit reporting act LVNV account # XXXX has violated my rights 15 u.s.c 1681 section 602A. States I have the right to privacy.

15 u.s.c. 1681 section 604A section it also states that a consumer reporting agency can not furnish a account without my written instructions I have been incarcerated since 2018 so this debt is a result of fraudulent activity

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: MoneyLion Inc.
State: NC

Complaint narrative:
Ive reached out to the company to close this account or disconnect my bank, they claiming I owe an outstanding balance. There is no where on the website or app to pay this balance and they are refusing to close the account or allow me to disconnect my bank account essentially forcing me to continue to pay them. Considering the CFPB has already filed suit for the exact practices and it is considered deceptive lending this is unacceptable. 

If not I will seek out a lawyer and proceed with arbitration.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-09 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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as 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 non-monetary relief
Consumer complaint received 2023-03-09 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: FL

Complaint narrative:
Multiple loans only reported as late but not reporting on time payments or that they are paid off in full. The company updated information after my dispute but nothing I see has changed.

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 2023-03-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
A hard inquiry was done to my credit report from capital one, and I have not applied for any capital one I already have two that are active

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
This credit card was with XXXX XXXXXXXX bank they sold my personal information to a third party without my consent according to USC code 5 usc 1681 section 602 right to privacy 15 usc 1681 section 604 ( a ) can not furnish a account without my consent or instruction my rights are being violated and my selling my personal to a third party in which that is identity theft

Company response to consumer: Closed with explanation