vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
I reviewed my credit report and I noticed that there are some inadequate information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 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: FL

Complaint narrative:
Hello, Ive been trying to reach the different Bureaus by letter letting them know wich information its incorrect on my Credit report, I can say that I've tried for 4 times or more, I havent receive an answer, and at this point I just feel they are not going to cooperate with me, As I understand the Law says they are suppose to answer me and I feel they are preventing me from my right to know of what is going on with my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 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: PA

Complaint narrative:
There are false credit card balances being reported to credit reporting agencies from XXXX  XXXX and XXXX. They are inaccurate!

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 2021-09-17 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: DISCOVER BANK
State: PA

Complaint narrative:
There are false credit card balances being reported to credit reporting agencies from XXXX XXXX and discover. They are inaccurate!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 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: Winklevoss Exchange LLC
State: NY

Complaint narrative:
since XX/XX/2021 not answer. around {$10.00}, send many emails to their support account email without any response.I have weeks without a response from the company that I have invested a lot of money and they do not mind answering the emails. Suddenly they took away my access through the application of the cell phone and my laptop. There is no other way to communicate with this company called Gemini. they are very irresponsible without being sensitive to their clients. Now I don't know what to do thinking about all my money invested in this company called Gemini.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmerAssist A/R Solutions, Inc.
State: NY

Complaint narrative:
I feel that I may have been violated by a corporation please see letters attached

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I sent a few dispute letters to the major bureaus requesting verification and they have not sent me any mail back responding to my request

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 2021-09-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
There are false credit card balances being reported to credit reporting agencies from capital one and XXXX. They are inaccurate!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 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: LA

Complaint narrative:
I XXXX XXXX XXXX, recently discovered some unauthorized inquiries i did not consent, authorize nor benefit from and the consumer reporting agency know as Equifax still published this information onto my consumer report. Under 15 USC 1681b- Permissible purposes of consumer reports, In General, Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with written instructions of the consumer to whom it relates. I did not give Equifax any written consent to furnish these alleged inquiries onto my consumer report, no consent is identity theft. I've attached a copy of my identity theft report with the inquiries listed on it. I need the following inquiries blocked and removed. 

1. XXXX XXXX XXXX- XX/XX/XXXX 2. XXXX XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XXXX XXXX, XXXX 5. XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XXXX XXXX XX/XX/XXXX 8. XXXX XXXX XX/XX/XXXX 9. XXXX XXXX XX/XX/XXXX 10. XXXX XXXX XX/XX/XXXX 11. XXXX XXXX XXXX- XX/XX/XXXX 12. XXXX XXXX XX/XX/XXXX 13. XXXX XXXX XX/XX/XXXX 14. XXXX XXXX XX/XX/XXXX 15. XXXX XXXX XX/XX/XXXX 16. XXXX XXXX XXXX- XX/XX/XXXX 17. XXXX XXXX XX/XX/XXXX 18. EQUIFAX MORTGAGE SOL- XX/XX/XXXX 19. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cullimore & Coleman, PLC
State: AL

Complaint narrative:
The apartment complex named : " XXXX XXXX XXXX XXXX '' is attempting to falsify and report negative information on my credit report. 

I have NEVER lived in this apartment, never signed a lease or etc! I am being told to pay {$1700.00} I am being harassed and DEMAND for this to be removed. 

Apartment name : XXXX XXXX XXXX XXXX Address of apartment : XXXX XXXX XXXX XXXX, XXXX AZ XXXX The Creditor : Cullimore & Coleman, XXXX XXXX XXXX XXXX XXXX AZ

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
Recent email to XXXX XXXX Comenity Bank Credit Card. 
I am very upset how you have decided to treat your consumers. I made a large payment of {$310.00} on XX/XX/2021 and you decided to reconsider my payment/credit history on XX/XX/2021 and reduce my credit limit by {$320.00}. Was this a delayed punishment? I have had a good standing and despite the pandemic I have tried to stay afloat with my credit cards. You wait to " punish '' me and my credit as I was in the process of paying this credit card off. This makes me wonder if you are upset that consumers are trying to raise their credit scores and reduce their intertest rates which doesn't pad credit card companies pockets. FRUSTRATING. How dare you take my credit usage from 47.8 % to 94 % instantly. I will be reporting this practice to Consumer Financial Protection Bureau and filing a complaint with BBB. I was logging on to pay my card off, once I do this, I will be closing my account. It's not worth allowing you to control my financial future. I'll take closing this card now then to deal with you. 

They have reduced my credit limit multiple times. Most recent was after a substantial payment from me and reduced my credit availability and limit substantially. I have been update to date for the past 5 months, and when I wasn't I was in communications with them. 6 months later and when my credit score was actually highest in the past year, they use that and decide to reduce my limit. This becomes a vicious game from credit card companies to keep interest rates high by adversely effecting the score they dare use to evaluate credit worthiness for. This is also the same credit card company that has closed my XXXX account with no notice when the limit was {$1500.00} I owed roughly {$200.00} and was paying on time. I understand they have a " right '' to do this but they are unfairly applying that right and with no notification or valid reasoning until after the fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I believe that I am a victim of identity theft. Due to the CoronaVirus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I did. I did not receive an actual proof, physical firsthand documentation of the payment history and proof of last payment and these violations persist on my credit report. I just had to escalate to 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 2021-09-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MS

Complaint narrative:
I purchased a vehicle from premier Nissan on XX/XX/XXXX. When purchasing this vehicle I traded in a XXXX XXXX. The dealership is refusing to pay off the vehicle. I was informed today by XXXX XXXX that I am still responsible for the payments on the XXXX XXXX even though I do not have the vehicle. I have attempted to speak to several people. I went to the dealership and waited for 3 hours to speak to someone. The receptionist finally put me on the phone with someone who said that she will call me back. I am not able to purchase a tag without them paying off the car. The state charges extra for late tag purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 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: AES/PHEAA
State: GA

Complaint narrative:
I already reached out to the credit bureaus ( XXXX, XXXX, XXXX ) and notified them of their error posting of information on my report. The account balance is in fact wrong. A charge-off should show a zero balance. I was never late on these accounts. I have been monitoring my credit report for any changes, but I am yet to see the correction that I asked for and desperately need. I requested to generate a detailed description of the procedure designed to verify the account is " real '' but as of the moment no information was received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations persist on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nationwide Recovery Systems, Ltd
State: GA

Complaint narrative:
I believe that I am a victim of identity theft. Due to the CoronaVirus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple Equifax Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I did. I did not receive an actual proof, physical firsthand documentation of the payment history and proof of last payment and these violations persist on my credit report. I just had to escalate to CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I believe that I am a victim of identity theft. Due to the CoronaVirus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I did. I did not receive an actual proof, physical firsthand documentation of the payment history and proof of last payment and these violations persist on my credit report. I just had to escalate to CFPB.

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 2021-09-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Date XX/XX/XXXX CFPB Case # XXXX We received your response and over the last months have been working with the builder and our attorney to move our project along. Not having any financial leverage has put us in a bind and our project is still not completed. 
On XX/XX/XXXX TD Bank received a draw request from our builder. On XX/XX/XXXX I advised TD Bank that this draw would put us at 97 % complete and we were FAR from that. We spoke with the TD Bank rep and I sent current photos of the house. I was advised they would not release funds. On XX/XX/XXXX, after months of no progress we finally reached out to TD Bank for help and were advised that TD Bank had in fact released the funds. We are still not at 97 %, we still dont have a specific date as to when we can expect to be completed or when we will get a TCO or CO for our building. 
In your response to CFPB, you offered to protect your concern on our property with a title search and not charge us interest on the funds you released without our authorization. This is not sufficient. 
I have attached a detailed spreadsheet of expenses we have incurred and continue to incur due to your banks error. The amount, as of last month, is {$140000.00} which I have broken down for you to review further. On another tab, TD Bank paid our contractor for items that he did not do. Money he was not entitled to and would not return. This amount, {$36000.00}, already exceeds the amount of the final draw on our loan. 
We are currently seeking the {$140000.00} as a reasonable accommodation for your mistake. This mistake is the major reason we have been able to move this project along and move into our home. 
We understand that the CFPB may allow you another 30 or 60 Days to respond, but these additional delays continue to cost us money which you should also be responsible for. With that said, we would like a response and/or restitution in 2 weeks, or as of XX/XX/XXXX. 
Attachments : E-mail we sent to not release the funds, spreadsheet showing our incurred expenses since you released the funds without our authorization.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I AM A CUSTOMER OF WELLS FARGO FOR CHECKING AND SAVINGS ACCOUNTS, ON XX/XX/2021, MY SAVINGS ACCOUNT WAS HACKED, AND A {$5000.00} WIRE TRANSFER WAS MADE TO A PERSON, WITHOUT MY AUTHORIZATION, TODAY XX/XX/2021, I RECEIVED A LETTER FROM THE FRAUD DEPARTMENT, STATING THE CASE WAS " CLOSED '', HOWEVER, THE MONEY ( {$5000.00} WIRE TRANSFER + {$30.00} PROCESSING FEE ) HAS NOT BEEN RETURNED TO ME. I CALLED THE BANK IN MEANS OF GETTING SOME HELP AND I KEPT BEING SENT TO DIFFERENT DEPARTMENTS, IN WHICH NO SPECIFIC ANSWER WAS GIVEN TO ME. AS PER MEANS OF THIS COMPLAINT, I REQUEST HELP IN BEING ABLE TO GET MY MONEY BACK. THANK YOU SO MUCH, HAVE A GREAT DAY.

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 2021-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allegiant Capital Recovery LLC
State: TX

Complaint narrative:
I XXXX XXXX the consumer and natural person am seeking remedy from Allegiant Capital Recovery. They are in violation of Federal Law they violated FDCPA Laws, On XX/XX/2021 at XXXX I received a text message from Allegiant Capital Recovery which is a violation of the FDCPA. They did not have prior consent to contact I XXXX XXXX the consumer, natural person which violates 15 USC 1692c ( a ) It was an extremely inconvenient time when I received this text. That violates 15 USC 1692c ( a ) ( 1 ) The message in Exhibit A states if you pay you balance today! 
The us of! was The use of obscene or profane language which is to abuse to me the reader 15 USC 1692d ( 2 ) The message in Exhibit A states We are offering you a 50 % reduction Which indicates The advertisement for sale of any debt to coerce payment of the debt. Violation of 15 USC 1692d ( 4 ) Pursuant to 15 USC 1692k - Civil liability, 15 USC 1692k ( a ) ( 1 ) and 15 USC 1692k ( 2 ) ( a ). I want remedy by paying the invoice included of {$10000.00} Please investigate this matter and help me from further harassment. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I, the consumer, XXXX XXXX have been violated by CAPITAL ONE pursuant to Fair Debt Collection Practice Act. CAPITAL ONE has violated XXXX XXXX XXXX by not providing the required items, they have violated XXXX XXXX XXXX by receiving my Cease and Desist and still contacted me about this alleged Debt. 

Reference : Capital One Case : XXXX & CFPB Case : XXXX. 

Please refer to the attached documents for my documents, proof, and demand that was received my CAPITAL ONE on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/21, the same day my grandmother died, there were two {$140.00}, one {$500.00}, and two {$80.00} ATM withdrawals taken out of my account. When this happened I received a phone call from a person pretending to be from Wells Fargo. The man told me my account was hacked, and wanted to sign me up for a new secure service through Wells Fargo, where at that exact time I gave him my information, the money was taken out of my account. Most of this money was apart of a federal grant from XXXX for my education. These withdrawals happened at XXXX XXXX XXXX  XXXX in XXXX XXXX CA at an ATM with the ID XXXX when I was at my home in Northern, CA, nearly 10 hours north. These withdrawals were fraudulent and I was scammed. I am a struggling XXXX  XXXX  and I expressed all of this to Wells Fargo, where I filed a claim about these fraudulent charges. At the same time I also filed a police report with the XXXX County Sheriffs department. Wells Fargo denied my claim, even though the sheriff department classified the case as fraudulent, because I authorized the charges on my phone. I did not know what was happening when I received the scam phone call, my grandmother died on that day, I have the death certificate, and I did not understand what I was authorizing. I also received {$410.00} in overdraft charges, which I had to pay, even though I did not make the transactions that caused the overdraft fee. Wells Fargo told me that I originally would not have to pay those, but in the end I did. I have been completely scammed out off nearly {$1300.00}, and that is a lot of money for a broke 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 monetary relief
Consumer complaint received 2021-09-17 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: NY

Complaint narrative:
I sent a few dispute letters to the major bureaus requesting verification and they have not sent me any mail back responding to my request

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 2021-09-17 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: NY

Complaint narrative:
I sent a few dispute letters to the major bureaus requesting verification and they have not sent me any mail back responding to my request

Company response to consumer: Closed with explanation