vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-09 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hello, i leased a vehicle with XXXX XXXX and made all the payments as agreed in our contract. Covid19 hit when it was time to turn the car in and i had a XXXX XXXX at home so i couldn't come in contact with anyone because no one knew what was going on with this new pandemic. I offer for them to come pick up the car and they came 8 months later. Now they're showing on my credit that i had a repossession when i made all 38 payments 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 explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: M&T BANK CORPORATION
State: VT

Complaint narrative:
M & T Bank has been originating mortgages without a license and is targeting XXXX and XXXX owned mortgages for foreclosure all while denying them loans at a rate inconsistent with their share of the population. Claim for state of Vermont, currently. Can provide proof of violations in all 50 states. This complaint makes me fill out a mortgage address. While this address fell victim to foreclosure by predatory lenders, M & T Bank was not the lender. This complaint is a general consumer complaint, separate but related.

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 2021-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2017, in XXXX XXXX County Court, Florida, XXXX XXXX XXXX XXXX case # XXXX was dismissed voluntary without prejudice ; yet, they took the initiative to use my identity and fraudulent sell this debt to FCO ( XXXX XXXX XXXXXXXX ) whom on XXXX XXXX opened this account up and reported this derogatory account to all credit report agencies. They have violated my rights numbers of times ; under 15 USC 1681 by misleading false reporting and using my identity ; 15 USC 1681 ( b ) which I never gave them written consent ; this is harassment and abuse under 15 USC 1692d ; and according to FDCPA Section 807 this violation is misleading and false reporting inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 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: TX

Complaint narrative:
I filed a dispute with the creditors due to invalid information on my credit report and there was no response within the 30 days. Per the companys policy I would like these items removed off my credit report due to companies not responding in a timely manner.

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 2021-11-09 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: BMW Financial Services NA, LLC
State: GA

Complaint narrative:
Hello, i leased a vehicle with BMW finical and made all the payments as agreed in our contract. Covid19 hit when it was time to turn the car in and i had a new born at home so i couldn't come in contact with anyone because no one knew what was going on with this new pandemic. I offer for them to come pick up the car and they came 8 months later. Now they're showing on my credit that i had a repossession when i made all 38 payments on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
My business checking and money market were closed by BB & T bank, now Truist, and the local branch and customer service are not able to tell me if my account balance will be paid out to me. It is just over {$53000.00} and the account was closed on XX/XX/XXXX. I still have not been told WHY my account was closed. They are not legally required to explain that to me. It is illegal for them to hold my funds. In addition, my online access has been revoked and I can not access account statements for the last several 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 2021-11-09 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: EQUIFAX, INC.
State: MO

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Took out a loan to move for employment for my son and I, the loan was deposited on XX/XX/2021, and it was stolen out of my account on XX/XX/2021, how convenient, this is not a consequence, my check was stolen from the Postal Service middle of XXXX for my son 's credit card bill, mailed it from work, have witnesses, and have a witness who watched me write the check. It was first deposited supposedly, which it says on the back, mobile deposit to XXXX, well they have competent people apparently, XXXX and Chase Bank do not have competent people. I will be made Whole again, I am a victim and I am not going to eat this, XXXX and Chase Bank will pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2017, in XXXX XXXX XXXX XXXX, Florida, XXXX XXXX XXXX XXXX case # XXXX was dismissed voluntary without prejudice ; yet, they took the initiative to use my identity and fraudulent sell this debt to XXXX ( XXXX XXXX XXXX ) whom on XXXX XXXX opened this account up and reported this derogatory account to all credit report agencies. They have violated my rights numbers of times ; under 15 USC 1681 by misleading false reporting and using my identity ; 15 USC 1681 ( b ) which I never gave them written consent ; this is harassment and abuse under 15 USC 1692d ; and according to FDCPA Section 807 this violation is misleading and false reporting inaccurate reporting.

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 2021-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2017, in XXXX XXXX XXXX XXXX, Florida, XXXX XXXX XXXX XXXX case # XXXX was dismissed voluntary without prejudice ; yet, they took the initiative to use my identity and fraudulent sell this debt to XXXX ( XXXX XXXX XXXX ) whom on XXXX XXXX opened this account up and reported this derogatory account to all credit report agencies. They have violated my rights numbers of times ; under 15 USC 1681 by misleading false reporting and using my identity ; 15 USC 1681 ( b ) which I never gave them written consent ; this is harassment and abuse under 15 USC 1692d ; and according to FDCPA Section 807 this violation is misleading and false reporting inaccurate reporting.

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 2021-11-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
XXXX XXXX contacted me by phone offering a credi card account to boost credit score, I was a student, low income. I accepted after was promised coverage on balance if I couldn't pay if I paid extra for insurance to cover card. I did end up having trouble financially, even unable to attend school for that quarter. I called to explain and asked to close the account and settle owing only approx. {$62.00}. They refused to close so interest wouldn't compile, then I asked about insurance so was given a number to call which I was told I'd been charged for insurance but they never paid so no coverage. Unable to resolve. Now they have agreed to close acct but repost to credit agencies under different names. Currently XXXX XXXX XXXX refusing to remove and shows open acct. AND closed. Keeping my score down is lowering quality of life as I am unable to attain loans etc. for a home. Please help. Thank you, XXXX 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 non-monetary relief
Consumer complaint received 2021-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
On XX/XX/2017, in XXXX XXXX XXXX XXXX, Florida, XXXX XXXX XXXX XXXX case # XXXX was dismissed voluntary without prejudice ; yet, they took the initiative to use my identity and fraudulent sell this debt to FCO ( Fair Collections Outsourcing ) whom on XXXX XXXX opened this account up and reported this derogatory account to all credit report agencies. They have violated my rights numbers of times ; under 15 USC 1681 by misleading false reporting and using my identity ; 15 USC 1681 ( b ) which I never gave them written consent ; this is harassment and abuse under 15 USC 1692d ; and according to FDCPA Section 807 this violation is misleading and false reporting inaccurate reporting.

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 2021-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: TX

Complaint narrative:
1. On XX/XX/2021 I withdrew {$700.00} from my BBVA checking account to fund a {$690.00} transfer ( plus {$5.00} transfer fee ) by means of BBVA " XXXX '' money transfer system. 
2. On XX/XX/2021 the transfer was not sent and BBVA, in an attempt to correct the failed transfer, withdrew {$700.00} from my checking account instead of depositing the {$700.00} back. 
3. On XX/XX/2021 the recipient of the transfer alerted me to the situation that the transfer had not occurred. I checked my BBVA checking account online and realized that instead of depositing the {$700.00} back into the account, BBVA had withdrawn {$700.00} from the account. 
4. On XX/XX/2021 I visited the XXXX branch of BBVA in XXXX to have the bank correct their mistakes and deposit the {$1400.00} to my checking account. The bankers at the branch recognized the mistakes totaling {$1400.00}, and said they would work to solve the issue with the corporate office. By XX/XX/2021 BBVA USA bank had fused with PNC bank, and branches were not able to correct mistakes like these any longer. 
5. On XX/XX/2021 I emailed all information about the {$1400.00} mistakes to XXXX XXXX, BBVA/PNC XXXX area branches district manager. I talked on the phone with her and she also acknowledged the {$1400.00} mistakes the bank had made. 
6. On XX/XX/2021 XXXX emailed me to ask me how would I like the {$1400.00} transferred back to me. I requested the {$1400.00} to be deposited in my checking account. 
7. On XX/XX/2021 I was contacted by XXXX XXXX from the PNC corporate office, with whom I talked on the the phone the next day XX/XX/2021. XXXX advised me neither he nor the corporate office could correct the mistakes as they did not have access to BBVA transactions. 
8. As of XX/XX/2021 my {$1400.00} have not not been deposited in my account yet, and have not been given a date of when the {$1400.00} will be returned to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-09 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: VA

Complaint narrative:
Fact I The Affiant Is Aware And I Have Proof That Experian has and continued to violate my consumer privacy rights. I the affiant observed 11 violations on my consumer Credit report. Experian is and continues to be in Violation of 15 U.S. Code 1681b ( 2 ) 15. U.S Code 1681a ( q ) ( 3 ) 15 U.S Code 1692 ( a ) 15 U.S Code 1692 15 U.S Code 1692g ( c ) Even After Being Informed Numerous Times that information was incorrect and should not be on there. I Have been injured Numerous Times from Experian Gross Negligent And Willful Behavior These Injuries Include. And Are not limited to being denied of credit. My Reputation has been ruiend. Loss of business income. XXXX, XXXX XXXX the following accounts need to be removed from my credit report and stop illegal activity I have never gave written instuctions to Experian to furnish these " Alleged '' accounts. XXXX XXXX  ( XXXX XXXX XXXX ( XXXX ) my information was also stolen in the XXXX Data Breach Experian needs to make this Right And Remove These Accounts Also Experian And XXXX Are XXXX with each other A XXXX Name XXXX XXXX '' In the Fraud Department Confirmed This On A Recored Line I Also Have The Recording And I Plan To Seek Litigation Because They Should Not Be Reporting Any Information About A Consumer To A 3rd Party I Have Sent A Affidavit Of Truth And The Laws They Are Breaking And A {$8000.00} Invoice That They Owe Me For Violating My Rights I Need These 2 Accounts Removed Or I Will Seek Litigation

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 2021-11-09 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: International Computer Systems, Inc.
State: AR

Complaint narrative:
I've reviewed a copy of my credit report and I see there is a collection item listed that I'm not aware of. I attempted to contact the collection company on XX/XX/2021, and request verification and I received nothing back. I understand that this is a violation of 15 U.S. Code 1681I ( A ) ( 1.A ) and need to have account deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One Auto Finance has reported false and misleading information. This loan was paid off in full. I did not make any late payments during the term of the loan. This company is reporting that this account was charged off when it was NOT. This company is reporting many violations against such as : 15 us code 1692e ,15 us code 1681e ( b ) and 15 u.s code 1692k ( a ) ( 1 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Hello, On XX/XX/2021, I had my entire balance of {$100000.00} in XXXX XXXX transferred out of my Coinbase wallet to an unknown wallet address without my authorization. I have tried contacting Coinbase regarding this matter, however they kept restating that if balance was withdrawn from my wallet without approval, it means my account phrase was compromised. I created my Coinbase wallet account less than 2 weeks ago, and I know for a fact that I did not share my recovery phrase with anyone. No one could possibly have access to my account, especially when I have a password too. The total amount of {$100000.00} XXXX lost is my life saving, If I can't get this money back, I don't know what to do anymore... If there are any additional information I could provide, please let me now. Please help me... 

Thank you very much...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I call Experian and sent letters. Asking to delete and remove inquiries

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 2021-11-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I wrote this letter to Capital One in regards to removing late payments from my credit report so it will help me refinance my vehicle.. they refused and said that the FCRA requires them to report accurately but they have the power to courtesy remove it from my report To Whom It May Concern, Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains late payments reported on XX/XX/XXXX and XXXX of XXXX for my XXXX XXXX  Credit Card account ending in XXXX. 

I want you to know that I understand my financial obligations, and if it werent for my financial hardship during those months, Id have an excellent repayment record. I made a mistake in falling behind, but since then, Ive been working and have been consistent with managing my money. I also have started a new full time job. Since then, Ive had a spotless record of on-time payments. Im planning to apply for a mortgage and also refinance my vehicle, and its come to my attention that the missed payment on my record could hurt my ability to qualify. 
I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payments from XX/XX/XXXX and also XXXX of XXXX. Thank you for your consideration, and I hope youll approvemy request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have used a capitalone card for online purchase of {$3100.00}. I never received the merchandise so I disputed. Later the merchant responded stating the items were behind. I called the credit card company in beginning of XXXX and said what the merchant have responded. I was following up with capitalone and no where they have told me that there is a deadline for the dispute and failed to mention it. I've called couple of times and one of the agent advised me to email the correspondence from the merchant. I did email that to capitalone email provided. I've received the letter on XXXX that capialone is stating that I no longer want to dispute the charge and where that comes from after sending the proof of email communication between me and the merchant. I've called in today XXXX and capitalone agent is stating they can not help me with the dispute so I told that I like to talk to the supervisor and got XXXX with ID number XXXX. I've explained to XXXX and his record shows the call on XXXX and after that was on XXXX. I have asked him that you do not have any information about this case what I was going through including the email correspondence sent. He stated no record showing and I was totally broke down. He keeps saying they can not do anything. This is a lot of money for me. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Other XXXX XXXX XX/XX/2021 XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX

Company response to consumer: Closed with explanation