vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-06 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: FL

Complaint narrative:
I was checking my credit score and realize that is very low. I was shocked when I saw it on my credit account. I believe that someone used my personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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: FL

Complaint narrative:
On XX/XX/2021 I sent a letter to the XXXX to notify them that there are some inaccurate accounts as a result of a data breach on their credit report for me. This is well over 45 days ago and I am unsure why this fraudulent inaccurate information has not been removed from my credit report yet. This is also causing an issue because there are several companies stating that I owe money on accounts I have not opened. I sent the bureaus an identity theft affidavit, identification, and proof of address yet these inaccuracies continue to report. Please see the attached affidavit and information sent to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FEDChex Recovery, LLC
State: NJ

Complaint narrative:
FCR improperly calls and emails me about a debt I do not owe from a car rental that was prepaid on the site XXXX. I even received a {$50.00} credit from XXXX for the bad experience yet XXXX refuses to clear the debt with their debt collector FCR. Many people have described the same scheme. 

I rented a car thru the car sharing site XXXX. After driving far from my home, I realized the car I rented was severally broken and I had to pay to fix things such as the headlights to use the car. After incurring this cost, I notified the host that any additional fees are now void since I am already at a loss with the repairs. XXXX gave me a credit of {$50.00} but then improperly created an invoice which they sent to FCR Collection Services. 

I later learned that others had the same experience on the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
The account below is not my account. Please remove off credit profile NCA Last reported XX/XX/XXXX {$1500.00} Opened XX/XX/XXXX ( 1 yrs, 6 mos ) NCA Last reported XX/XX/XXXX {$0.00} Reported balance This account does not belong to me. I do not know who it belongs too. The balance on the account is XXXX. Please remove off credit profile. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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: NY

Complaint narrative:
I have a bankruptcy on my credit report that does not belong to me. I have spoke to TransUnion numerous times over the last 2 years. I have sent certified letters that they claim to never receive. I have disputed this item numerous times over the last 2 years and it keeps coming back as verified as accurate. I keep asking how it was verified and they say with the court. I spoke to the courthouse and they mailed me a letter on their letterhead explaining that I do not have an account and it doesnt belong to me. I have mailed this letter to TransUnion and finally was able to verify that they received it. They still refuse to remove this public record bankruptcy from my report. All TransUnion is doing is filing a dispute but then it comes back as verified. I asked how its verified and they said through the court but I know that isnt true. They have my letter from the courthouse and a letter from XXXX that they have erased this information from my file but still they refused to remove it. TransUnion told me to wait 7 years to have it removed but why if it isnt my information.

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 2021-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CNG FINANCIAL CORPORATION
State: FL

Complaint narrative:
I sent a receipt to the to the creditor showing that I paid the loan off but I was told on XX/XX/21 that the account number doesnt match

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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: SC

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: TX

Complaint narrative:
PRO COLLECT Last reported XX/XX/2021 {$480.00} Reported balance Original balance XXXX The above account is not my account. I do not know who it belongs to. Please remove off credit profile.

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 2021-10-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I opened up a new secured credit card. On their website it says to make a payment by XX/XX/2021. I have no statement mailed to me, and this is fraud on their part. I called them and they are like a bunch of cement bricks, they do not get it!! They said I dont have to make a payment til XX/XX/2021!!! Really??????? Why does their website say make one in XXXX?????????? And I want my statements mailed to me. I am very upset with Cap One, they are no longer a good company at all!! If I get a late fee because they said not to make a payment till XXXX, I will go through the roof!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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: OneMain Finance Corporation
State: SC

Complaint narrative:
On XX/XX/XXXX, my credit report was pulled by XXXX XXXXXXXX XXXX and this was not by my consent. 
I would never try to apply for any XXXX services and I have never been interested in doing so. 
This caused my credit score to drop since it was a hard inquiry. I have tried numerous times to get in touch with this company, with no outcome. 
I am not sure as to why XXXX is on my credit. My parents had an account with them before they passed away and I did have the same home address as them. So I believe this company ILLEGALLY pulled my credit, since I would NEVER even consider them to have credit with. 
I need this taken off of my credit report. 
-- -- OneMain Financial has pulled my credit so many different times and I have contacted them with letting them know I have never put in for a loan from them and to take it off of my credit report, with no help from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On multiple occasions, I have submitted proof of my personal information being incorrectly reporting on my credit report. This company refuses to remove inaccurate address and names that don't belong to me. I will send you my drivers license and a bill as proof of my correct information.

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 2021-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
Midland funding has continued to try and collect a debt from 2010 that was covered under debt insurance. I paid my bill until I was unemployed due to XXXX, filed the claims, and they have continued to harass me. I called them and quoted that the statute of limitations had long expired and that they were to cease and desist collection efforts. The woman said that there is no statute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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: REGIONS FINANCIAL CORPORATION
State: LA

Complaint narrative:
i was NEVER late on this account in XXXX i have no idea why they put this on my credit report but i have tried to get them to correct it and its XXXX and they have not fixed it yet.

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 2021-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I contacted wells fargo to cancel a direct pay payment that had not been sent out yet. I spoke with a rep on a recorded line and she advised that she was able to cancel the payment. We had a several minute long recorded call. The next day I logged in & saw she canceled the wrong payment. I contacted the bank immediately and they saw the previous days reps notes and that she canceled the wrong payment. I was advised they were going to contact the other bank, have the payment reversed, and that I should see the deposit in a few business days. The refund did not arrive. I called a week later and was advised I need to file a claim and was given claim number XXXX. After speaking with several different reps and was advised that Wells Fargo denied wrongdoing and rejected the claim. I was advised that I could appeal to the executive business office so I did an appeal and received reference number XXXX. I never received a call from the rep contact number XXXX ( XXXX ) XXXX after speaking with the switchboard operators 1 once a week ( since XXXX ) and was advised each time she was either not at her desk and she would get the message, she was on another call and would get the message, XXXX and her supervisor would be advised that haven't ever received a call back. I have yet to receive a call from anyone at Wells fargo. XXXX without any input from me or confirming the audio recording of the call with the initial rep ( to cancel the payment ) issued me a {$50.00} customer appreciation credit which was foisted upon me without acceptance ( directly deposited into my account ). As of todays call I was advised that XXXX was not at her desk and her supervisor was on a call and it might be better for me to resubmit the claim. The new claim reference number is XXXX. The switch board number I call XXXX. While the operators are very kind they are some of the slowest talkers I have ever spoken with and repeat & reiterate details ad nauseum. Reading details of the calls that I made and what transpired on each call ( which accomplished nothing ). Reading the denial letter that I holding. Honestly felt like an annoy tactic.

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 2021-10-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: UT

Complaint narrative:
In XX/XX/2021, I paid my Target Red Card balance in full. In XX/XX/2021, I received a notice from XXXX stating that my payment was late 30 days and is now delinquent. I called the creditor and was told that interest had accrued on the card and that two late fees were also applied. Due to a system error, I never received my statement via email and the statement did not show on my account. So I was not aware of any payment due. I called Target that day to resolve this issue. I paid what had accrued to bring my account back to " current '' but the late payment, due to system error, was not removed from my credit. I have disputed this 3 times now and they refuse to remove the 30 day late payment from my credit report because they " reported the missed payment honestly '' and " my statements were sent out on time since. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
The account below is not my account. Please remove off credit profile XXXX Last reported XX/XX/XXXX {$1500.00} Opened XXXX XXXX, XXXX ( 1 yrs, 6 mos ) XXXX Last reported XX/XX/XXXX {$0.00} Reported balance This account does not belong to me. I do not know who it belongs too. The balance on the account is XXXX. Please remove off credit profile. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: GA

Complaint narrative:
This is an additional document for complaint XXXX that was just received on XX/XX/2021 it is the Annual Escrow Account Disclosure Statement. Please see the statement under Account History. this account was paid off XX/XX/2021. 

THIS HISTORY STATEMENT COMPARES YOUR PRIOR ANALYSIS CYCLE PROJECTED ESCROW ACTIVITY TO THE ACTUALESCROW ACTIVITY BEGINNING XX/XX/2021 AND ENDING XX/XX/2021. IF YOUR LOAN WAS PAID-OFF, ASSUMED ORTRANSFERRED DURING THIS PRIOR CYCLE, OR THE COMPUTATION YEAR IS BEGING CHANGED, ACTUAL ACTIVITY STOPS ATTHAT POINT. THIS STATEMENT IS INFORMATION ONLY AND REQUIRES NO ACTION ON YOUR PART

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I deposited a check in my account third party. My account was closed and my balance was XXXX after chase took what i owed from my deposit. They are now holding my funds and will not give them to me. Check was deposited on XX/XX/XXXX XXXX. The bank is holding XXXX of my money..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
My Issue : Barclay Mastercard does not provide a way for me to find out what my XXXX XXXX XXXX is. And they do not provide me a way to apply payments to the XXXX XXXX XXXX. 

What happened : I accidentally used my Barclay Mastercard at an ATM in town on XX/XX/XXXX. I intended to make a withdraw using my bank debit card. The ATM machine did not indicate in any way that it was a cash advance on my credit card. 
I needed {$1000.00}. and thought I was withdrawing from my checking account. I chose Checking account on the ATM. 
I had to do two withdraws of {$500.00}. each. My original {$1000.00}. withdraw was denied by the ATM. 

I was not notified by the ATM or my credit card company that I had done a Cash Advance. 
I noticed a few days later that there were 2 charges of {$25.00} on XX/XX/XXXX in my credit card transactions. 
I called Barclay Mastercard and they told me that I had done 2 XXXX XXXX of {$500.00} each and they would not refund the two {$25.00} fees. 
I asked them how could I see what my XXXX XXXX balance was so that I could avoid paying their % 24 interest fee. 
They told me that only they could see the balance and that I would have to pay it off in full to avoid any interest fees on the XXXX XXXX. 
I paid an additional amount ( {$1200.00} ) in addition to my auto payment on XXXX XXXX, and had to hope that it would be applied to my XXXX XXXX balance. There was no way for me to apply the extra payment to my XXXX XXXX XXXX. 

I then called Barclay back on XX/XX/XXXX to ask how I could see if I had a XXXX XXXX balance. 
I was told I would not be able to see my XXXX XXXX balance and I would just have to wait for my next statement to see if any fees were charged. 
And once the fees were charged, they would not be reimbursed because the terms were in my customer agreement when I signed up for the credit card. 
The terms for a cash advance ( fees and interest rate ) are in the customer agreement, but the fact that I can't see the balance is not. 
I asked if I could disable XXXX XXXX  on my card, they told me I could not. 

Since the credit card company is hiding my XXXX XXXX  Transactions and Balance, then they should not be able to charge me interest or fees on it.

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 2021-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANCORPSOUTH BANK
State: AR

Complaint narrative:
BancorpSouth is denying refund of {$2500.00}. 
Due to the impersonation of an XXXX customer assistant telling XXXX XXXX that he must transfer funds from his BancorpSouth accounts to XXXX, he did so but when this criminal said he must have a copy of XXXX drivers license, XXXX told him this must be a scam and the bank will be notified then XXXX disconnected the phone. 
XXXX immediately called the BancorpSouth info line to report the scam : He reported what had taken place and the BancorpSouth person said the funds were still there and that the same thing had happened to her and that her money was recovered. 
When XXXX followed up in person with the bank the next business day which was a Monday, the bank said the funds were gone and they had him give an affidavit to a bank rep by phone. 
The bank has denied the claim of fraud stating that XXXX gave his permission to transfer funds to zell. The XXXX impersonator repeatedly told XXXX that this method of transfer was required in order for him to do business on XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-06 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: IL

Complaint narrative:
On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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: FL

Complaint narrative:
I have previously disputed this account with you and each time the investigation cambe back as 'verified '. I decided to go directly to the creditor reporting and dispute with them. The creditor was not able to provide proof or documentation to verify this specific account with me. All they sent me was some generic response stating that the account is accurately being reported to the credit reporting agencies. They did not use reasonable measures to ensure the accuracy of my credit reports and it seems credit bureaus are stalling the process further. This is a violation of the FCRA

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 2021-10-06 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: IA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Javitch, Block & Rathbone LLC
State: OH

Complaint narrative:
I am currently under an order by child support enforcement for in excess of 25 % of my wages. XXXXavitch & Block, llc sent me a notice of court proceeding to collect debt. 
i sent them a letter advising of such with relevant case numbers and advising the order is in affect until XXXX they filed a garnishment anyways, at my old job. they sent a second notice of court proceeding to collect debt and i sent emails to the attorney who was on the form and the managing partner. they filed the garnishment anyways. This is legal harassment and i believe it violates the FDCPA if they knowingly attempt to attach funds that are not attachable. I have received no response from Javitch Block. this is also running up the costs on the judgment which seems punitive

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