vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have an XXXX  card and have paid 50 % of the balance yet they dont report that do they?!?

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 2021-11-06 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I have an XXXX  card and have paid 50 % of the balance yet they dont report that do they?!?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem adding money
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On : Saturday XX/XX/2021 I tried to use the Tap Feature at a Wells Fargo ATM, to access their ATM. It didn't work very 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 2021-11-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
For many years I've been very happy with the service and professionalism with not only the PayPal services but also the PayPal team that have assisted me but since 3 days ago I've been very agitated and annoyed with the way you have handled my current account limitations for simply transferring my money from one of my bank accounts to the other while also gaining membership points in the process for doing so, the reason I use PayPal for these transactions is because it's a lot more quicker and easier this way. 

Just to also take note I had called multiple times while also providing my ID, Bank Statements and all other information required and fully cooperated with your requirements you needed at your end. 

Myself and my legal team had taken a deep look into your assumed 'violations ' to the Acceptable Use Policy along with terms of service and had not found where I have supposedly violated these terms. 

Personally I make sure to read all the legal jargon in regards to the terms of use etc so I know what I'm allowed and not allowed to do. 

Regrettably if this issue has not been resolved in regards to the 'permanent limitations ' account issue I am facing and you do not allow me to withdraw my funds totalling XXXX I will have no other option but to report PayPal to the Financial Ombudsman, Trading Standards along with the XXXX XXXX XXXX until this has been resolved. 

Until I hear a response I'll be making preparations to file these reports. 

Many Thanks XXXX XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Franklin Collection Service, Inc.
State: IN

Complaint narrative:
This organization has failed to provide the following information as well as constant calls and harassment. 
- Explain and calculate the amount owed : Provide me with copies of any papers that show that I agreed to pay the amount you are stating is owed : Provide a verification or copy of any judgement if applicable : Identify the original creditor : Prove the Statute of Limitations has not yet expired on this account : Provide me with the license that you are allowed to collect within my state : Provide me with your license numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: VA

Complaint narrative:
My account was fraudulently compromised onXX/XX/XXXX over XXXX was taken out of my account. I reached out to Chime on several occasions concerning the situation and they keep closing my investigation and dont seem to want to return my funds. They allowed someone to get into my account change my phone number and I had to call them and send it numerous documents so that I could have access to my own account. They admitted to me that someone called and pretended to be me and was able to gain access to my account. I have been fighting for months to retrieve my funds. I know XXXX dollars may not be a lot to some but this was a lot to me. I dont know what to do. I feel like I have exhausted all avenues. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My rights as a consumer are being violated I disputed inquiries that are reporting on my consumer report and transunions Response is that They will conduct an investigation and send me correspondence with an explanation of their results which never happened. 15 US C 1681 States that the banking system is dependent upon fair an accurate credit reporting. And what is happening here is not an example of that.

15 US C 1681B ( a ) ( 2 ) in accordance with the written instructions of the consumer to whom it relates. No written consent was given I am requesting that these inquiries be removed. 
I am disputing the following inquiries XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX  XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX  XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXX XXXX  XX/XX/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 explanation
Consumer complaint received 2021-11-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: General Motors Financial Company, Inc.
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GOLDMAN SACHS BANK USA
State: SC

Complaint narrative:
Hi my name is XXXX XXXX. I have never had any type of business with Apple at all! Ive never even had an XXXX XXXX or anything related to Apple. I am in the process of trying to figure out why no matter what i do i cant seem to raise my credit score. So i keep seeing this Apple card pop up on my report. I have written a letter some time ago and submitted complaints that this was a fraudulent transaction. This debt that i didnt even have knowledge of until it was overdue has been haunting me for 3 years now and constantly hitting my credit score. I want it off immediately! Also i saw on the bill they sent me that whoever had that account had the same name as me and the same social except like two numbers were different ... .have no idea what their birthday was.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Hello, To whom it may concern someone fraudulently applied for a credit card in my name. They never were able to verify my identity so there was no account open. However I had an unknown hard inquiry on my Equifax report from XXXX XXXX  XXXX XXXX XXXX on XX/XX/XXXX which brought my credit score down through no fault of mine, which was flawless prior to this. I tried to dispute it online the next day but wasn't successful. Next I called Equifax and explained the whole situation to the representative. He informed me that I would only be able to get it removed with a hand written cover letter explaining the situation and some documents ( social security card, two forms of personal ID, bank statement, Federal Trade Commisioner report ). As requested I mailed them right away and called them to find out, was informed this can take up to 2 weeks for them to recieve. I checked again in 2 and even 3 weeks but they still claimed that they never received it. They asked me to resend it or fax it so I went to my local bank and asked them to fax it for me as I do not own a fax machine. Then they said they received it but are still unable to remove the inquiry due to some issue which they didn't explain very clearly why. I have then tried to call XXXX XXXX credit services and spoke to the representative, he claimed that he understood the situation but then after putting me on hold for 40 minutes I had another credit inquiry from the same company on XX/XX/XXXX. When I asked him why that is he said not to worry and that both inquiries will be removed however they are both still there to this day and my score is down even more. I went to my local XXXX XXXX  and explained the situation to the banker on premises. He sat with me for 4 hours trying to call every department and also had no luck achieving anything despite this being his profession. I think this situation is absolutely crazy and extremely unfair to me that I spent the last 4 months calling countless amounts of times, being on hold, repeatedly mailing papers that they claim they don't recieve on the other end and explaining the same situation over and over to people who don't even seem to try to understand what I'm saying and as a result just want to either transfer me to someone else or hang up faster. I really hope Consumer Financial Protection Bureau can step in and help me with what seems to be an endless problem for no wrongdoing on my end. I even received a letter from XXXX XXXX credit services saying that I am a victim of fraud which I mailed to Equifax but they also seemed to ignore it. I will attach it here as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Coradius International LLC
State: IN

Complaint narrative:
On XX/XX/2021 I XXXX XXXX validation letter was sent to ( ACI ) AMERICAN CORADIUS INTERNATIONAL LLC This company has only provided a transaction history with both paid and unpaid amount from original creditor XXXX . 
This company/ organization has failed to provide original agreement and exact amount owed plus the following below : What is the dollar amount owed? 
Explain and calculate the amount owed : Provide me with copies of any papers that show that I agreed to pay the amount you are stating is owed : Provide a verification or copy of any judgement if applicable : Identify the original creditor : Prove the Statute of Limitations has not yet expired on this account : Provide me with the license that you are allowed to collect within my state : Provide me with your license numbers and Registered Agent or Agent of Service/s.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 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: Exeter Finance, LLC.
State: FL

Complaint narrative:
Exeter Finance is reporting my Date of First delinquency as XX/XX/XXXX but the date is incorrect. It was first delinquent in XXXX and this account should be deleted off all 3 bureaus due it being past the reporting date.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07 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: EQUIFAX, INC.
State: VA

Complaint narrative:
A number of personal incorrect information such as Name, address, phone number, on my Credit repot

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
This is regarding my bank of america credit card. The payment was set to auto pay ... the selected payment option was as follows : You're automatically sending payments for your bank of america personal card e-bill Deliver by : on the due date Pay : statement balance Limit : {$300.00} The bill was not paid. I am told that the above setting is that the bill should ONLY be paid if the statement balance is less than {$300.00}. My interpretation is that this would be autopayed up to {$300.00} of the statement balance. 

This needs to be clarified as it seems to be a system for generating fees for Bank of America and headaches for consumers. 

Further, if you adjust the auto bill pay, they apparently do not implement the changes for a period of time determined by them and not shared with the consumer. 

Every other bank I deal with is fully transparent as to what will be paid and by when. 

I view the above as deceptive practices.

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 2021-11-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft JPMCB CARD Account Number : XXXX This is not mine. 

2. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Dear Representative : I am writing because I found some information that is inaccurate on my credit report. You are reporting a late payment on XX/XX/2017 on the XXXX XXXX XXXX XXXX  account. 

This is not true, I was not late on XX/XX/2017.

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 2021-11-06 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: EQUIFAX, INC.
State: PA

Complaint narrative:
My rights as a consumer are being violated I disputed inquiries that are reporting on my consumer report and Equifax response is that they will conduct an investigation and send me correspondence with an explanation of the results they found and that never happened. I disputed these inquiries and it is Equifax responsibility to check the validity of these inquiries and find out how they were verified, written signatures etc. 15 US C 1681 States that the banking system is dependent upon fair an accurate credit reporting. And what is happening here is not an example of that. 15 US C 1681B ( a ) ( 2 ) in accordance with the written instructions of the consumer to whom it relates. No written consent was given I am requesting that these inquiries be removed. 15 usc 1681d says I would be informed and this never happened. I am disputing the following inquiries 1. XXXX  XXXX XXXX  XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XX/XX/XXXX 5. XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
My timely mortgage payments have not been credited since XX/XX/2021. I have paid these on time and gotten confirmations, then learned the next month that Bank of America did not record them. This has happened repeatedly and each time I have submitted proof ( cancelled checks, confirmation for electronic payments, etc. ) and spoken at length to customer service representatives. Once the payment was credited to my credit card. I have challenged the adverse credit reporting through those bureaus : Bank of America simply denies it despite the evidence. 

After a flurry of odd activity on my account last month, I called Bank of America again to inquire what was going on. Its representative insisted there was no late payment reported. Today my credit report shows they reported my XXXX and XX/XX/2021 payments as late. I have confirmation from my bank that these were submitted on time. 

I believe this is happening because I told Bank of America I need to refinance my home ( I'm paying nearly 6.5 % interest ) This is how they are preventing that, because my credit union will not refinance when I have allegedly missed mortgage payments. I have been a long-time customer, have always paid my mortgage on time, and have spent DOZENS of hours on the phone trying to make this stop - but nothing I do makes any difference. My equity is significant and- but for these false reports - my credit is good. 

I don't know what else to do. This has gone on nonstop since XXXX, no matter what I do. They have my money and at the moment show I am current, but that has regularly changed without warning and I am back to calling, writing, challenging the credit reporting- with solid proof that indeed they got my mortgage 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 non-monetary relief
Consumer complaint received 2021-11-06 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian is reporting a charged-off account and updating it every month. If the account is charged-off it should not be reported every month. In addition the account is reported 120 days late XX/XX/2018 and XX/XX/2018. This account is inaccurate. PLEASE DELETE IMMEDIATELY. 

I AM NOT A CREDIT REPAIR COMPANY

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