vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-22 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: DISCOVER BANK
State: NY

Complaint narrative:
I obtained writing services from XXXX from XXXX XXXX which I was dissatisfied with their product as it did not meet several requirements. The products were not useable. I complained directly to the company who said they would refund me, but never did. I filed a complaint directly with Discover Card as that is what I used to make the payment for the writing services. Originally, it appeared as though Discover found in my favor against the company and I was not longer charged for the services. 

I started receiving harassing emails, text messages, and calls from XXXX demanding that I have Discover reverse the charges and they will refund me directly. If I did not, they threatened to contact my college and accuse me of plagiarism which was never committed. This occurred in XXXX of XXXX. I contacted Discover and explained to them the situation from the merchant and, I was scared, asked them if I was able to relaunch the complaint should they know reimburse me. I was told yes so Discover cancelled the dispute. A month went by and I received no refund from XXXX and the balance left on my credit card was exclusively and entirely from XXXX in the amount of roughly {$240.00}. I explained this to Discover. We were in constant communication regarding this balance. I could not pay for it and did not feel that I should have based off of the agreement. After getting nowhere with XXXX, I asked Discover to relaunch the dispute and the alleged that they would, but then they could not. 

On my credit report, it shows no payment from XX/XX/XXXX-XX/XX/XXXX. Discover closed my credit card that I had in excellent standing for many years, since XXXX. They closed it abruptly without consulting with me directly. They also had done this despite the fact that I had a case with the Attorney General against XXXX. As a result, my XXXXedit score dropped over 140 points. I want my credit card back opened as I ended up making an agreed payment in XXXX of XXXX after acknowledging that I was not sure how long the AGs investigation was going to go on. During the call with the representative from Discover to make the payment, it was not disclosed to me that my card was closed. Also, the amount was paid and my credit report should reflect that, but it reflects that I missed 27 % of my payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-22 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: NY

Complaint narrative:
I XXXX XXXX has been violated pursuant to Exclusions statue 15 U.S.C 1681a ( 2 ) ( A ) ( iii ), and Notice Of Requirements statue, 15 U.S.C 6802 ( a ), ( b ) Opt-Out ( 1 ) ( A ), ( B ), and ( C ) ; As a federally protected Consumer, I have a right to privacy, pursuant to abusive practices statue, 15 U.S.C 1692a and anything I deem private is in fact private. According to U.S.C 1681a ( 2 ) under Exclusions " consumer report '' does not include ( i ) ... information solely as to transactions or experiences between the consumer and the person making the report ; XXXX, XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX XXXX have all violated my consumer rights to privacy, pursuant to the above statues. Additionally, I was not disclosed of my right to Opt-Out pursuant to 15 U.S.C 6802 ( b ) ( B ) as a federally protected consumer, I never gave written instructions or authorization to ANY information furnisher or reporting agencies to publish any information. These accounts are also in litigation, initiated by myself. I want XXXX to delete this information and to be accountable for their illegal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Social Finance, Inc.
State: OR

Complaint narrative:
I was given the go-around by this company for about a week and a half. I was given different information each time I called about why my loan application was denied and what I could do to provide the information that was needed. After filing a complaint and waiting almost a full week to hear back from management, I was told that I had been denied because I could not provide information that was needed to verify my income and employment. I was told I would not have an opportunity to provide the information needed because they would not approve the loan regardless of me providing it. I asked why they would not consider working with me further and I was told that I could not know why I was denied, and there was nothing I could do. I asked many other times why I was not being given the opportunity to provide the information and the manager simply told me she could not tell me and that she was sorry. I feel that this was a discriminatory decision because of my XXXX last name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I used a money transferring app that is directly linked to my bank account to make 4 payments, but I was being scammed. As soon as I realized this was a scam and not a legitimate company, I called my bank so they would stop the payments. But all they said is they would file a dispute. They allowed the transfer to happen and then told me it was the money transferring apps responsibility. The app blames the bank and viceversa, and none of the involved parties ( Santander Bank and XXXX ) are doing anything to reverse the four transactions. I sent {$4000.00} to the scammers. Please, I need my money back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 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:
A few months back I called all three credit bureaus regarding inaccurate inconsistencies on my credit report. I sent letters via **Certified Mail** including my ID SSN and a utility bill proving my address and identity. Yet, still the multiple inaccurate inconsistencies still remain on my credit report. I've yet to receive any information about an investigation on my report which brings me here. Please help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 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: PA

Complaint narrative:
A few months back I called all three credit bureaus regarding inaccurate inconsistencies on my credit report. I sent letters via **Certified Mail** including my ID SSN and a utility bill proving my address and identity. Yet, still the multiple inaccurate inconsistencies still remain on my credit report. I've yet to receive any information about an investigation on my report which brings me here. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I was sent a money order gifted and 2 days later the sender reversed it and took my money away. When I refused to deposit the 2nd check they sent I began to get harassed and threatened and I never deposited the 2nd check but they ended up taking my first one away when {$1000.00} was gifted to me and the other {$900.00} to be sent to their grandson for medical bills within proves recipients given leaving me over drafted with what I have them {$900.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hello, My checking and saving s accounts were closed by Chase Bank on XXXX, they sent me notification that official my accounts were closed on XXXX I have called them 4-5 times and they will not send me a check or give me back my money, I have spoke to supervisors managers, my savings account was {$15000.00} and checking accounts was {$2900.00}. Its has been 36 days since my money and accounts were closed and have yet to receive a check. I have spoke to XXXX, XXXX, XXXX, and XXXX and they think its funny and laugh the conversions have been recorded. thank you XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 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: TX

Complaint narrative:
I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are fraudulent accounts listed. These have impacted my ability to receive credit and have provided unnecessary inconvenience. Please remove these fraudulent accounts from my credit report.XXXX XXXX XXXX {$1000.00}, XXXX XXXX {$720.00}, XXXX XXXX XXXX {$1000.00}, XXXX XXXX XXXX {$110.00}, XXXX XXXX XXXX {$150.00}, XXXX XXXX XXXX {$540.00}, XXXX XXXX XXXX {$630.00}, XXXX XXXX XXXX {$120.00}, XXXX XXXX XXXX {$710.00} and XXXX XXXX XXXX {$4200.00}. I have attached copies of the FTC Identity Theft reports with this complaints. Te 2 reports numbers are XXXX and XXXX. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. I thank you in advance for your prompt response and resolution of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 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: GA

Complaint narrative:
Ive had car with XXXX XXXX for almost 3 yrs I pay every month ( a ) nothing goes towards the principle, everything goes towards interest which I paid {$2000.00} in XX/XX/2021 and none went to principle ( b ) I pay every month and on my credit report there are a lot of inconsistencies, like XXXX XXXX-ok, then XXXX XXXX- 60days past due ( c ) my balance Im still the same since the first day I got the car. I have disputed with Equifax and XXXX yet nothing has changed. I feel they are and have been taking advantage of me this entireloan, false advertising. Ive contacted XXXX capital they are giving me run around not explaining or caring. I recently asked them for a copy of my payment history which I will attach when prompted to. Please look into this as I know they have recently been identified as loan sharks, taking advantage of ppl with outrageous rates, rates where ppl will never be able to pay their loans off through them. Please help, I am one of their victims

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 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: GA

Complaint narrative:
Ive had car with XXXX XXXX for almost 3 yrs I pay every month ( a ) nothing goes towards the principle, everything goes towards interest which I paid {$2000.00} in XX/XX/2021 and none went to principle ( b ) I pay every month and on my credit report there are a lot of inconsistencies, like XXXX 2021-ok, then XXXX XXXX 60days past due ( c ) my balance Im still the same since the first day I got the car. I have disputed with XXXX and Experian yet nothing has changed. I feel they are and have been taking advantage of me this entireloan, false advertising. Ive contacted XXXX XXXX they are giving me run around not explaining or caring. I recently asked them for a copy of my payment history which I will attach when prompted to. Please look into this as I know they have recently been identified as loan sharks, taking advantage of ppl with outrageous rates, rates where ppl will never be able to pay their loans off through them. Please help, I am one of their victims

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
In May of this year while I was traveling money was taken from my Bank of America checking account without my approval or authorization. A total of {$60000.00} was taken from my checking account by deductions of {$30000.00} on XX/XX/XXXX and {$30000.00} on XX/XX/XXXX. I had no knowledge of these deductions. When I returned from my trip I notified the Bank of America within two days. The Bank of America Fraud Department tried to retrieve this money but was unsuccessful. I did not learn of the results of this investigation until late XXXX. I waited for a long time for the result of this investigation until I contacted the bank myself. I have attached a copy of the applicable page from my bank statement. I believe your bureau has already assigned me a complaint number XXXX which I received by mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
In XXXX, I applied for a Citibank XXXX XXXX XXXX last month, and afterwards received a denial letter stating that I had filed for bankruptcy and a previous account with them was included in that filing. It also stated that my previous or existing account has a history of late payments, and credit privileges on my existing account are currently restricted. The bankruptcy they are speaking of was filed in 2004, and my existing account ( Citi XXXX ) never had a restriction applied. I contacted XXXX, whom they stated was the source ( in whole or in part ) in making this decision. I was informed by XXXX that my ( 17 ) year old bankruptcy no longer existed and I had no other derogatory information in my file. I then contacted Citi and advised them of this information and asked that my application be resubmitted. Afterwards, I received a reply stating that they could not verify some of the information on my application. I called Citi to inquire on what information they required and I was placed on hold for an extended period of time. When they realized that I was going to hang up, someone returned and advised that a letter would be sent to me. It has been over a month, and I have not received that letter explaining what they could not verify.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: KS

Complaint narrative:
they are harrassing me calling between 20 to 30 times a day before XXXX and after XXXX pm i have ask them to stop but they use diffent numbers calling

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
OnXX/XX/2021 A collections was submitted on my XXXX credit, as well as XXXX & XXXX from LVNV Funding for XXXX. Never heard of them. I disputed debt thru XXXX account XX/XX/2021. Requested to Produce & Validate the debt with a original contract with their Company heading & my signature on it. No validation was produced. Instead LVNV Funding updated the debt of XXXX as an active account with monthly installments on my XXXX Credit report. Also checked XXXX & XXXXXXXX. I dont have an account or any business with LVNV Funding llc XXXX 
2.I responded with a dispute thru XXXX account and asked LVNV Funding to remove the false account along with 15USC1681 for reference. The false information is still on my credit report. 
I am trying to refinance my home. The false credit reporting is hurting me from refinancing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Someone used my information and applied for a Bank of America credit card. According to XXXX, the account was opened on XX/XX/2021. The balance was {$660.00} as XX/XX/2021. 

I contacted BOA but they said they did not find any account under my SSN. I contacted XXXX and they helped me remove this account from my profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
on XX/XX/2021 XXXX Certified mailed my disputes to Transunion and they have no CORRECTED the unverified " Charge off '' this is preventing me from getting a new home. 

THEY HAVE NOT SUBMITTED PROOF IN WRITING. 

I DO NOT OWE THIS DEBT REMOVE IT immediately OR I WILL SEEK punitive DAMAGES GRANTED BY THE FCRA FOR FAILURE TO COMPLY I DEMAND that they remove these ITEMS FROM MY CREDIT REPORT AT ONCE. 

CHILDSUPPORT Account Number : XXXX it is inaccurate and this is also an invasion of my privacy They are in VIOLATION OF 15 usc 1692 ( a ) of the FCRA Also these inquires are unauthorized i called and tried to get them removed they are violating my rights by not complying. 

XXXX XXXX Date of inquiry : XX/XX/2021 XXXX  Date of inquiry : XX/XX/2021 XXXX  XXXX  Date of inquiry : XX/XX/2021

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
On XX/XX/2021 I was asked to send money back to someone after they issued me a bad check. The check had already cleared my savings account, and I had no way of knowing that the check was going to be dishonored by the bank, it was a cashier 's check and I have a copy of it. Not only was it a bad check, it was counterfeit and the person who sent it was not the same person demanding it back and making death threats to me and my family. I was pressured into forcing money out of my bank account with the belief that if I didn't do something fast they might hurt me or my children. Then, when I tried to cancel the transaction I couldn't cancel it, and the bank manager couldn't reverse the transaction either. I lost {$1200.00} because of the abuse. Before the transaction took place, there was also a home break in where things were taken from the home, and my email was compromised, so was my home computer. I was told that the bank actually does have the ability to reverse the transaction, however they did not act. The online transfer was done using XXXX, and they were in the amounts of {$500.00} and {$700.00} on XX/XX/2021.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
My account is still showing as behind. They are sending me several letters about being behind when I called in XXXX to clear it up and paid what they said was owed and have not missed a payment since. However they have put my account as delinquent on my credit report. 



On XX/XX/2021 I made a payment of XXXX. On XX/XX/2021 a payment was made on my behalf and a payment of XXXX was made on my behalf. Why hasn't it been processed? There is literally nothing on the site that it updated and you have to call in for everything. I called in on XX/XX/XXXX, and told that my balance was XXXX. It hasn't been updated or changed to reflect current amount due. I also made my XXXX payment and still it is showing online that I owe for XXXX. All of my payments are reflected in the screenshot above. XXXX and XXXX were paid from my sunburst account I have proof. 


Can someone please call and explain what is doing on? I have proof of all of my payments. Why was it put on my credit report when all my payments are up to date XXXX XXXX XXXX

Company response to consumer: Closed with explanation