vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-30 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: WI

Complaint narrative:
I have repeadly disputed a XXXX XXXX Account with Equifax that is incorrectly reporting. XXXX continues to " verify '' the incorrect dates and Equifax will not use the supporting information I have provided to verify that there was a missed payment in XX/XX/XXXX. 

As verified by both XXXX and XXXX, the XXXX XXXX XXXX was reported as 30 days late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Both of those reports will be attached. 

I will further include XXXX XXXX XXXX that list dates and payment amounts. The payments are numbered CLEARLY indicating that payment XXXX was made XX/XX/XXXX and the next payment, number XXXX, was made XXXX. 

Payment XXXX of XXXX made XX/XX/XXXX XXXX XXXX of XXXX made XX/XX/XXXX XXXX XXXX of XXXX made XXXX *note payment XXXX was on XX/XX/XXXX and payment XXXX was on XX/XX/XXXX ( clearly confirming a missed payment in XXXX, XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
XX/XX/2022 I was involved in a almost fatal car crash. And merrilledge turned their backs on me completely false representation and advertising as well as no compassion being showed on behalf of their companies. They provided me with a lot of their tools then striped them for no reason what so ever with facing injury physical and mental. I expected more out of this experience. they understand ultimately. 

CFR 12 ( 1-1-12edition )

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 2022-04-30 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
N.Accordance with the fair credit reporting act XXXX  Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-04-30 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Account # XXXX, XXXX  XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction
s.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC
State: TX

Complaint narrative:
Lexington law charged me a " first work fee '' of XXXX on XX/XX/22 They also took two separate fees of XXXX from my account. One withdrawal on XX/XX/22 and one on XX/XX/22 The service was not actually provided, as the " letters sent on my behalf '' were returned to me via usps as undeliverable. 
The service was canceled after searching for hours on how to actually cancel it. 
Since I signed nothing with them, they did not actually have any authority to take any money. Nor did they have any legal right to send anything on my behalf. 
They took additional money from me without authorization, and once I canceled, they refused my refund, even though they did no work for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
On XX/XX/2022 I received a fraud alert message on my phone for {$2500.00}. Upon replying no to the message, I received a phone call from Capital One customer support number, which I verified before proceeding. I did not disclose any personal information on the phone call, as the rep repeatedly told me they would not ask for any. I was informed that the money had been transferred via XXXX, and as it was a third party app, the only way to retrieve my money would be to send it back to myself. I proceeded to add my cell phone number and email address to a XXXX account via my Capital One app and sent {$900.00} to my personal phone number. Once sent, I received a notice that the transfer was successful to another individual named XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 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: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
I have had multiple car loans with Chase Bank with no problems. However, on my loan number XXXX, Chase Bank is inaccurately reporting {$58.00} as delinquent. 

I had taken advantage of their Covid 19 program to extend the loan. I have made all payments on time and have never been overdue. I made my last full payment in the amount of {$260.00} on XX/XX/2022 for the payment that was due on XXXX XXXX. 

I realized that there was small payoff amount due so I contacted Chase Bank via phone on XXXX XXXX and paid off the remaining balance due of {$58.00} which I believed to be the finance charges from the Covid XXXX extension. 

While checking my XXXX credit report on XX/XX/2022. I am informed that Chase Bank reported the amount of {$58.00} as delinquent loweirng my credit score by XXXX points. 
I contacted Chase Bank and was informed that there is nothing that they can and will do. 

I have consistently made my payments on time with Chase and have had multiple car loans through the bank. Now, they are refusing to update my credit report to say Paid in full and remove the delinquency of {$58.00}. Had I been aware of a payment due in this amount, I would have most definitely made the payment before Chase considered it delinquent. I relied on making my payments via phone since I have not been able to og into my Chase loan account for over a year. 

Chase agents stated that normally courtesy calls are made to customers but I never received a call from them about this matter. I would not jeopardize my credit score over {$58.00}. 

I am requesting that my credit report be updated to show paid in full with the delinquency removed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-30 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: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an pan end consumer credit plan as late

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Several mistakes occurred at the end of XXXX and XXXX in which the lender/servicer admitted fault and submitted requests to credit bureaus, including Trans Union , to reverse their reporting as it was a mistake. On XX/XX/XXXX I submitted a dispute with Trans Union to dispute the inaccurate reporting. I had also submitted a dispute with CFPB on XX/XX/XXXX where XXXX Mortgage 's XXXX of Customer service XXXX responded that corrections would be made within 1-3 business days with bureaus and to refer to the correction code AUD # XXXX. I attempted to log into the Trans Union account XX/XX/XXXX as I received a message that there was a dispute result and I was shown an error code XXXX Access Denied per the message after I clicked log in. I had thought this was partially cleared as XXXX XXXX reports my points being added back and no delinquency with XXXX Mortgage. On XX/XX/XXXX I went to take out a personal loan for some home projects at a local credit union who reported that my credit was XXXX. It appears Trans Union has not fixed my credit report despite the request from XXXX Mortgage. I called XXXX Mortgage who reported that I must dispute again this Trans Union as they have already reversed the credit reporting. I was never delinquent with XXXX Mortgage. I urge Trans Union to do the right thing and correctly report 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 non-monetary relief
Consumer complaint received 2022-04-30 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
IN Accordance with the fair Credit Reporting act convergent, XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. I have the right to privacy.

15 U.S.C 1681 section 602 A. Section 2 It also states a consumer reporting Agency can not furnish a account without my writte n instructi
on.

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 2022-04-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
A savings account was opened at Bank of America by 3 people a few years ago. At that time the 3 individuals designated a power of attorney ( POA ) All monthly statements received by the account holders, for many years, showed the power of attorney 's name which appeared under their names ( " as POA '' ). But then, a few years later, as the power of attorney was at the branch making a transaction, he was told by the manager that " the card with the 3 signatures did not appear in the system '', and said that to fix this problem all 3 account holders must again appear together to sign a new card. This has been impossible to be done as two of the cardholders are now living on two different overseas locations and can not make a simultaneous trip just to sign this card. ( Alas, that was the reason in the first place that a POA was assigned! ) The local account holder suggested that the signature card could be signed by each account holder one at a time at the branch, on different occasions, allowing the account holders to travel to the US at their convenience. This idea was flatly and categorically refused by the branch, affirming that it is BOA policy to have all accountholders sign together the POA card. This is just ridiculous.

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 2022-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: KY

Complaint narrative:
I provided a digital service to another person in exchange for {$80.00}. I had been doing so for a number of months. ( years? ) the individual was unhappy that would not be providing the service. Therefore the individual filed a complaint with Paypal, even though they had no issue with the service already received and paid for. The individual made no claim that there was any issue with the service. 

Paypal refunded the individual simply because they asked. Paypal did not perform due diligence or act in good faith by refunding the individual.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
PayPal was used by a buyer that was purchasing some items from me .items were shipped in good condition nothing broken on my end .but the person who received the items claims some where broken. Buyer is responsible for packing materials which he did not want to do he only paid for a box which was to late to purchase after I had gotten my own box to ship the items off.i send the items it's free but nothing more is free so anything extra will cost. money I didn't have buyer is responsible for all that. A dispute was placed on me due to items he claims wasn't the original items when clearly the site I posted them on has pictures showing the items and the condition they were in .I was told to send pictures to prove that there was nothing wrong with the items when I sent them off did so and PayPal told me the pictures were pretty much not going to help my case and that they were not going to go off that. But the buyer did the same and they refunded his money and all mines as well. The XXXX I had in my account PayPal took it for no reason .and now they say I still owe them {$36.00} and some change.i had to pay for the dispute fee when i was not the one who filed the dispute in the first place. I was told that only the dispute fee would be taken out {$15.00} for one and {$21.00} for the other. PayPal took all my {$160.00} and some .I was never told anything else about extra fee 's. I read threw some of the agreement and found nothing that states any extra fee 's being paid. I feel it's unfair that someone can get there money back and I get my items returned to me broken and now I can't do anything with them due to the Buyer 's Own fault. And now I have to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: UT

Complaint narrative:
A fraudlent phone account and two phones were purchased through XXXX XXXX. I was notified this when I received a bill for this ( I had a XXXX account years ago with different numbers, but I have been with XXXX for the last 4+ years ). 

I spent hours on the phone and online with a multitude of XXXX XXXX departments, the XXXX XXXX Police Department, and the three credit bureaus. My credit was frozen ( at my request ) and I was assured by XXXX that this was a fraudulent account and things were settled. Luckily my credit was frozen as an attempt was made to open a fraudulent phone account with XXXX. 

Today I received a collection notice from Convergent collection agency. I have disputed this account and provided copies of the erroneous bill as well as the police report. I am unable to reach Convergent as it is a weekend. Unfortunately, I will be out of the country XXXX and so will not be able to contact them before I leave. 

My credit score has been stellar and I hate to see this be erased. I also am unsure what else I can do on my end to prevent further action on this fraudulent matter involving 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 2022-04-30 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX  Account # XXXX, XXXX  XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-04-30 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: CITIBANK, N.A.
State: AZ

Complaint narrative:
My identification was stolen and the person opened a Citibank account and I keep receiving letters regarding fraud charges.

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 2022-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have had multiple car loans with XXXX Bank with no problems. However, on my loan number XXXX, XXXX Bank is inaccurately reporting {$58.00} as delinquent. 

I had taken advantage of their Covid 19 program to extend the loan. I have made all payments on time and have never been overdue. I made my last full payment in the amount of {$260.00} on XX/XX/2022 for the payment that was due on XXXX XXXX. 

I realized that there was small payoff amount due so I contacted XXXX Bank via phone on XXXX XXXX and paid off the remaining balance due of {$58.00} which I believed to be the finance charges from the Covid 19 extension. 

While checking my Experian credit report on XX/XX/2022. I am informed that XXXX Bank reported the amount of {$58.00} as delinquent loweirng my credit score by XXXX points. 
I contacted XXXX Bank and was informed that there is nothing that they can and will do. 

I have consistently made my payments on time with XXXX and have had multiple car loans through the bank. Now, they are refusing to update my credit report to say Paid in full and remove the delinquency of {$58.00}. Had I been aware of a payment due in this amount, I would have most definitely made the payment before XXXX considered it delinquent. I relied on making my payments via phone since I have not been able to og into my XXXX loan account for over a year. 

XXXX agents stated that normally courtesy calls are made to customers but I never received a call from them about this matter. I would not jeopardize my credit score over {$58.00}. 

I am requesting that my credit report be updated to show paid in full with the delinquency removed.

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 2022-04-30 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: OneMain Finance Corporation
State: NY

Complaint narrative:
In accordance with the fair credit Reporting act OneMain financial Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 XXXXXXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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