vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: EAST WEST BANK
State: CA

Complaint narrative:
From XXXX, I had transferred the money from XXXX to East-West bank in the USA, I found that I missed some money after each transfer, For example, in XX/XX/XXXXXXXX, I totally transferred the amount is XXXX $ in five transactions, finally, I only received XXXX , and then East-West bank still charged me another XXXX $ for wire transfer-in service fee. the final balance which I got was XXXX XXXX I totally missed XXXX $ just for that transfer. 

This happened more than once, Both the international transfer fee and service fee were charged in every transaction of wire-in during XXXX. I made a list of all the charged fees in the attached file. 

I called more than once the East-West Bank to explain, their explanation was the money was charged for international transfer by a third party, and even they didn't know the name of the agency or organization that had charged me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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: Conduent Incorporated
State: SD

Complaint narrative:
I had XXXX worth of fraudulent charges made to my On XXXX XXXX debit card..starting from XX/XX/2020 to XX/XX/XXXX XXXX.I called to start my claim..Finally received my paperwork to fill out XXXX XXXX..Filled it out immediately and tried to fax to the numbers they provided to me. Had problems getting the fax to go through ( tried multiple times on a daily basis ) ..called on XXXX XXXX and they told me to scan and email it to them to a email address they provided me..called back 2 days later and they told me to wait a couple weeks..so around XX/XX/XXXX I called them and they told me they do not accept the fraudulent forms by emailso I sent it in the mail and kept trying to fax it..finally on XX/XX/XXXX the fax finally went through..I immediately called and they told me my claim was denied..XXXX XXXX I got a letter say I was denied and I could call there number and get a reasoning on why the investigators denied my claimI called at least 5 times wanting the reasoning on why I was denied and I needed my statements cause I was unable to log into my account to see all the fraudulent charges..after a month I finally got my statements but still never got a reason on why I was denied..I contacted local law enforcement and have a police report stating I was nowhere even close to where these charges were made. I also have documentation on my XXXX vaccination on dates that fraudulent charges were made showing I was in South Dakota when charges were made in California

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am completely fed up with being done unjustly concerning the dispute of fraudulent furnishing of late payments on my credit report. I sent letter to the agencies ( Transunion, XXXX & XXXX ) on XX/XX/XXXX and XX/XX/XXXX disputing this issue and they have for years broken the law of FDCPA. 

Under 15 U.S. Code 1666b Timing of Payments. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

In addition to that I did not as the consumer give these agencies permission to report these invalidated reports of Late Payments. I am the " natural person '' which is the only person who can validate such furnishing. 

The following account payment history needs to be updated to paid as agreed. 

Fraudulent reports of Late Payments is a violation of my consumer rights under 15 U.S. Code 1666b XXXX Account Number : XXXX Please removed inaccurate reported late payments and update to paid as agreed

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 2021-07-12 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: GA

Complaint narrative:
I am completely fed up with being done unjustly concerning the dispute of fraudulent furnishing of late payments on my credit report. I sent letter to the agencies ( XXXX, XXXX & Equifax ) on XX/XX/XXXX and XX/XX/XXXX disputing this issue and they have for years broken the law of FDCPA. 

Under 15 U.S. Code 1666b Timing of Payments. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

In addition to that I did not as the consumer give these agencies permission to report these invalidated reports of Late Payments. I am the " natural person '' which is the only person who can validate such furnishing. 

The following account payment history needs to be updated to paid as agreed. 

Fraudulent reports of Late Payments is a violation of my consumer rights under 15 U.S. Code 1666b XXXX  Account Number : XXXX Please removed inaccurate reported late payments and update to paid as agreed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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: Fidelity National Information Services, Inc. (FNIS)
State: MN

Complaint narrative:
Theres numerous inquiries listed on my Chex Systems Consumer Report. All the checking accounts and credit inquiries listed on my Chex Systems Consumer Report are fraudulent and unauthorized. There shouldnt be any checking accounts or credit inquiries listed on my Chex Systems Consumer 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 explanation
Consumer complaint received 2021-07-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Synovus Bank
State: NE

Complaint narrative:
On XX/XX/2021 I sent XXXX a cease and desist stating to stop all illegal activity and stating my demands one being to send an audit trail so I can dispute the validity of this consumer credit transaction. I have yet to receive any correspondence from XXXX as the consumer and natural person when I exercise my right to validate an alleged debt the debt collector shall let it be known that they have received said correspondence and that they are or have investigated pursuant to 15 USC 1692g my rights to validate the debt has been violated. I have attached proof in EXHIBITS A and B of green receipt. I also have attached original correspondence as well Exhibit C

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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: NC

Complaint narrative:
I am a victim of identity theft

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 2021-07-12 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: NC

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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: MN

Complaint narrative:
The following credit inquiries listed on my Equifax, XXXX  and XXXX XXXX credit report are all fraudulent and unauthorized : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Full Name : XXXX XXXX XXXX, DOB : XX/XX/XXXX, SSN : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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: CA

Complaint narrative:
I have sent credit bureaus letters since the beginning of XXXX. To this date, I have sent FOUR letters to EACH, which I let them know what the errors are. All the bureuas have done is change numbers in the accounts which are STILL wrong ( date of last activity, amounts, balances, last reported, date opened, some show open status but are collections etc. ) I still see everything on my report so I am reaching out to you, in hopes of resolving the issue and getting these accounts DELETED from my reports. I have attached my report so you can see exactly. 

I sent letters on XXXX XXXX XXXX XXXX ACCOUNTS WITH ERRORS THAT SHOULD BE DELETED. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX, Equifax and XXXX are reporting 4 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 6th dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: NE

Complaint narrative:
On XX/XX/2021 I sent ADS/COMENITY/VICTORIA a cease and desist stating to stop all illegal activity and stating my demands one being to send an audit trail so I can dispute the validity of this consumer credit transaction. I have yet to receive any correspondence from ADS/COMENITY/VICTORIA as the consumer and natural person when I exercise my right to validate an alleged debt the debt collector shall let it be known that they have received said correspondence and that they are or have investigated pursuant to 15 USC 1692g my rights to validate the debt has been violated. I have attached proof in EXHIBITS A and B of green receipt. I also have attached original correspondence as well Exhibit C. I also have attached debt validation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-12 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: NJ

Complaint narrative:
On XX/XX/2021 I sent out a letter to each bureau. They have not given me a response in regards to the letter I sent to correct some late payments in XXXX. I just want these payments corrected to paid as agreed as soon as possible.

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 2021-07-12 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: CA

Complaint narrative:
I have sent credit bureaus letters since the beginning of XXXX. To this date, I have sent FOUR letters to EACH, which I let them know what the errors are. All the bureuas have done is change numbers in the accounts which are STILL wrong ( date of last activity, amounts, balances, last reported, date opened, some show open status but are collections etc. ) I still see everything on my report so I am reaching out to you, in hopes of resolving the issue and getting these accounts DELETED from my reports. I have attached my report so you can see exactly. 

I sent letters on XXXX XXXX XXXX XXXX ACCOUNTS WITH ERRORS THAT SHOULD BE DELETED. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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: NY

Complaint narrative:
I disputed a collections account that was flagged to my account through Experian. Experian claims it has confirmed that the account belongs to me but thats not accurate. XXXX  and XXXX law has both confirmed that they have verified and removed the collection account. This is a company who claims to have bought my debt from the the original company and has been trying to collect {$670.00} from me and flagged the account to my credit report which has brought down my credit score and affects my credit. Ive tried twice to dispute this with Experian but it seems like they are property investigating the debt or are going based on what this debt collector company is saying and ignoring that I have already several times confirmed is not mine and other credit reporting agencies has removed and fixed this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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: LA

Complaint narrative:
I submitted a letter on XX/XX/2021 about inaccurate and unverified information on my credit report, and I have yet to receive a response, ignoring the fact it has been over 60 days. I feel as though I'm being used and that my complaints are being ignored. It has been over 60 days, and they should be erased immediately. I demand that these accounts be removed immediately, or I will file a litigation to compensate me for the pain you have caused me. My information was also leaked as a result of the Equifax data breach, and it may have got into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Asset Management Outsourcing, Inc.
State: NE

Complaint narrative:
On XX/XX/2021 I sent ASSET MGMT/NATIONWIDE REC a cease and desist stating to stop all illegal activity and stating my demands one being to send an audit trail so I can dispute the validity of this consumer credit transaction. I have yet to receive any correspondence from ASSET MGMT/NATIONWIDE REC as the consumer and natural person when I exercise my right to validate an alleged debt the debt collector shall let it be known that they have received said correspondence and that they are or have investigated pursuant to 15 USC 1692g my rights to validate the debt has been violated. I have attached proof in EXHIBITS A and B of green receipt. I also have attached original correspondence as well Exhibit C

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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: AL

Complaint narrative:
I contacted Equifax a few weeks ago letting them know that I had been a victim of identity theft and they refused to remove these inquires. I am contacting them again with the information they requested to have the remaining things deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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:
I contacted Experian explaining that I am a victim of identity theft. They only placed a fraud alert but did not deleted this information from my report. I am requesting again that this information is deleted.

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 2021-07-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I have already paid a settlement offer XX/XX/2021 over the phone to get this debt deleted off of my account. 
XXXX  reference number - XXXX Capital One. 
Please update my account as Ive paid the agreement and illy account keep getting fasleey flagged every month for no reason, and spamming / harassing my phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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: AR

Complaint narrative:
After waiting over 90 days for a response, they send a template response back that I should wait LONGER. This is unacceptable. The FCRA gives them 30 DAYS. They have taken over 90 ; this is a violation and they are required to remove all of the accounts that they have failed to investigate. There is no way that the FCRA should be ignored and I have to suffer, especially during a time when credit is needed for employment, dwelling, insurance, and more. There is too much going on right now to request a consumer to wait EVEN LONGER than federally mandated. The FCRA was created for a reason. They are to follow it. Every item should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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: Mountain Run Solutions, LLC
State: NY

Complaint narrative:
I disputed a collections account that was flagged to my account through XXXX. XXXX claims it has confirmed that the account belongs to me but thats not accurate. XXXX and XXXXXXXX XXXX  has both confirmed that they have verified and removed the collection account. This is a company who claims to have bought my debt from the the original company and has been trying to collect {$670.00} from me and flagged the account to my credit report which has brought down my credit score and affects my credit. Ive tried twice to dispute this with XXXX but it seems like they are property investigating the debt or are going based on what this debt collector company is saying and ignoring that I have already several times confirmed is not mine and other credit reporting agencies has removed and fixed this account.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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: OH

Complaint narrative:
I have been working on my credit for over a year and a half. I've corrected most of the errors. Now they have put an old disputed collection back on my credit. I thought they couldn't do that. 2nd I've called the credit companies only to have them tell me they don't have any control over my score. My score hadn't changed in 6 months no matter how good I'm doing. So to sum up my complaints, I'm writing because they put an old collection back on my credit. I'm also writing about my score not changing. If they don't control what our credit score is them who does.

Company response to consumer: Closed with explanation