vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have reached out to Experian and requesting information such as, my consumer file in which I have yet to receive a response. 
Experian is in violation of my rights as a federally protected consumer.

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 2022-01-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
i am locked out of all reports they HAVE THE WRONG INFO and i can not get into my file i have sent in this request in the past and nothing they say one thing there do another

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 2022-01-11 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
i am locked out of all reports they HAVE THE WRONG INFO and i can not get into my file i have sent in this request in the past and nothing they say one thing there do another

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 2022-01-11 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: CAINE & WEINER COMPANY, INC.
State: OH

Complaint narrative:
This is my THIRD time disputing these negative account on my credit report. I have a legal right to dispute anything on my credit report that was not authorized by me. I AM NOT AN ATTORNEY OR THIRD PARTY REP. The accounts are not mines : -XXXX XXXX XXXX # XXXX -XXXX  # XXXX XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX XXXX # XXXX XXXXCAINE & WEINER # XXXX XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
RADIUS GLOBAL SOLUTION MADE AN ATTEMPT TO COLLECT A DEBT ON XXXX FOR XXXX XXXX XXXX FOR AN XXXX  VISIT ON XXXX OF XX/XX/XXXX IN THE XXXX, AL. BALANCE OF OVER $ XXXX I HAVE NEVER LEFT CALIFORNIA. 

I HAVE HAD ISSUES WITH IDENTITY THEFT AND THIS CITY AND STATE ALWAYS COME UP. 

I HAVE NEVER RECEIVED A BILL FROM THIS COMPANY BEFORE OTHERWISE I WOULD HAVE REACHED THEM DIRECTLY AND THE INFORMATION THE COLLECTION COMPANY HAS IS PUBLIC RECORDS THEY ARE ABLE TO OBTAIN USING MY SOCIAL AND BIRTHDAY.

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 2022-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
In XXXX of XXXX Wells Fargo approved XXXX reoccurring charges to my debit card that resulted in my account being accessed XXXX overdraft fees totaling {$100.00}. In the past Wells Fargo denied the payments which did not result in me being charged an with overdraft fees. I contacted Wells Fargo by email about what had occurred and received a response XXXX weeks later stating that the matter was under investigation. The investigation resulted with the overdraft fees being credited back to my account. Today XX/XX/XXXX I received an email saying that my account is overdrawn, I had forgot to cancel one of the reoccurring charges. I know this will result in an overdraft fee for something that should have been declined.

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 2022-01-11 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:
The account was reported late on XX/XX/XXXX for the month of XXXX along with the wrong balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I was contacted by Midland Credit Management about a debt their company was attempting to collect. I sent them a " Method Of Verification '' letter and they never sent over any documentation to connect me to the alleged debt. The collection account in question, was reporting to all three Credit Bureaus, I was able to dispute the account, which resulted in the collection account being removed from my XXXX XXXX and XXXX credit reports but it is still showing up on my XXXX credit report and the company has repeatedly sent " Debt Collection '' pamphlets and tried to contact my via phone after proper hours. I have tried to contact Midland Credit Management on several occasions to settle this matter, but I only receive additional collection letters. Can someone please assist me in correcting this issue?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-11 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
On XX/XX/XXXX a charge appeared on my credit card for {$1000.00} from the XXXX XXXX. I saw this and knew it to be a fraudulent transaction so I reported it as such. A temporary credit was issued for my card, however, on XX/XX/XXXX they denied the claim and charged my card a fee for {$1000.00}. 

I filed a CFPB complaint and the issue was escalated. On XX/XX/XXXX, they once again denied my request. In this document, they got the dates wrong and and simply said no fraud occurred because this charge was in line with my previous charges with the merchant. I have never bought anything from the XXXX XXXX, so this is ridiculous. 

The resolution specialist from Bank of America I dealt with has stopped responding to my calls and emails. The only people I have been able to get in contact with is their fraud department. They have been absolutely no help and told me to talk to XXXX. I attempted to contact XXXX, but they will not give me any information regarding this ( fraudulent ) purchase. 

If I can't get this resolved via the CFPB, then I think my only option left is small claims court.

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 2022-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISSIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I am a college freshman at XXXX XXXX and was the victim of a phishing scam. The scam included several XXXX students whereby we thought we were working for a XXXX XXXX and needed to make purchases as part of our Research Assistant duties. 4 days into the job, I became suspicious and alerted the university as well as filed a police report. Once I submitted my documents to TD Bank, they chose to make me liable for the {$2500.00}. 
Any help regarding this matter would be greatly appreciated. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I received a phone call twice from XXXX ( XXXX ) XXXX ( XXXX, NC ) I answer the call assuming it was spam. The caller told me he is from chase bank calling to confirm suspicious activity on my account. He states that there is a {$900.00} charge on my account reported in XXXX. He asked me if this was indeed not me who made this purchase. 
In XXXX I received a slew of text messages with a similar ordeal. I do not know how they have my phone number, Im not sure if they know anymore info about me other than my phone number. I do not want to receive these calls anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 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:
The account was reported late on XX/XX/XXXX for the month of XXXX along with the wrong balance.

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 2022-01-11 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:
The account was reported late on XX/XX/XXXX for the month of XXXX along with the wrong balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 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: PA

Complaint narrative:
The account was reported late on XX/XX/XXXX for the month of XXXX along with the wrong balance.

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 2022-01-11 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: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
nationstar mr cooprt is way out of line with this reporting a missed payment from XX/XX/XXXX as late in XXXX XXXX XXXX XXXX and XXXX of XXXX almost 3 years kater my dates are off a little but 3 years is a lot to long to wait to report it late payment

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Foris DAX, Inc.
State: CA

Complaint narrative:
This is a straightforward complaint, if for no other reason than I was stymied so fast in the process! At the urging of a friend, I buckled and attempted to sign up with crypto.com for purposes of bitcoin trading, etc. They made various demands for information, which I assume were part of the mandatory Know Your Customer policies of the company. For ID, I presented to them my Passport card, issued by the US Dept of State ( of course ). They refused it, saying their system ls are not set up for that kind of ID. ( See attachment ) Ahem. I assert that they dont have a choice in the matter. This has been true for ages, most recently affirmed by the REAL ID act, and many others. 

( They also required biometric data, in the form of a selfie-photo, which troubles me greatly, but I don't know what laws or regulations would apply to that, including the fact that crypto.com is actually based in a foreign country! )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 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: Choice Recovery, Inc.
State: OH

Complaint narrative:
This is my THIRD time disputing these negative account on my credit report. I have a legal right to dispute anything on my credit report that was not authorized by me. I AM NOT AN ATTORNEY OR THIRD PARTY REP. The accounts are not mines : 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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 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: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
This is my THIRD time disputing these negative account on my credit report. I have a legal right to dispute anything on my credit report that was not authorized by me. I AM NOT AN ATTORNEY OR THIRD PARTY REP. The accounts are not mines : -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 -LVNV FUNDING LLC XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings
State: AZ

Complaint narrative:
This account was sent from XXXX XXXX to IQ Data International sometime mid-XXXX. The amount at the time was {$5400.00}. I saw it on my credit, got the number, and I called IQ Data to discuss settling in XX/XX/XXXX. They were rude, talked down to me, made threats if I didn't pay in full. I offered {$3000.00} to settle and I was told they do not settle, and because I wasn't calling to pay out of the kindness of my heart, they were not obliged to help. 

I then called and talked with the new manager at XXXX XXXX. She told me the amount owed was actually incorrect, and that I really owed {$3200.00}. It took from XX/XX/XXXX through XXXX of XXXX to finally correct the amount in their ledgers and with IQ Data. I tried calling IQ Data again in XXXX and offered {$2000.00} to settle. I was told they don't settle and was literally yelled at every time I tried to speak. I finally hung up. 

I started researching options to deal with debt collectors and read that one should never call, only communicate in writing. So XX/XX/XXXX I wrote a debt settlement offer to them and mailed it certified mail with return signature receipt. That letter was received and signed for on XX/XX/XXXX. 
On XX/XX/XXXX I received a bill from IQ Data asking for the full amount ; they totally disregarded my debt settlement offer and acted like they never received it. Aggravated, I asked an attorney to help. 
On XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX issued a letter to IQ Data requesting validation of the debt and listed off all documents to be collected and sent to me within 30 days from the date of their letter, otherwise they were to cease and desist collections efforts and I could file a complaint against them. The law firm also stated should the debt prove valid I would offer to settle the debt for {$2000.00} issued in one lump sum by cashiers check to be paid no later than XX/XX/XXXX should they agree. I received nothing from IQ Data. 

I have never in my life been treated so poorly by people I am trying to offer money to. There is no judgment on this amount. Every other collections agency I've had to work with over my 41 years on this earth has been more than willing to settle ; I know that they do. Why IQ Data insists on insulting me and not cooperating is baffling.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: VA

Complaint narrative:
I am a man/natural person and this is not a credit repair company. On XX/XX/XXXX, I was discriminated against as I exercised my right as the consumer/benificiary in a consumer credit transaction when I applied for a credit card with DISCOVER which is a violation of the Equal Credit Opportunity Act. My personal information was used on the application as well as my location information to submit application. From my understanding, banks do not lend money or extend credit as we have been bankrupt since XXXX. 12 usc 83 - No national bank shall make any loan or discount on the security of the shares of its own capital stock. DISCOVER became trustee to my social security trust as this is a trust action. They deprived me of my rights to extend credit which is a violation of 18 usc 242. They have committed trust fraud, bank fraud, and securities fraud. Each holding a fine from {>= $1,000,000} to {>= $1,000,000} Pursuant to 15 USC 1, 15 USC 2, 15 USC 78ff. I received no benefit which is unauthorized use of my credit card 15 USC 1602 ( p ). In order to clarify that there has not been any false claims of securities, illegal securitizations, trades, hypothecating, interest, and proceeds fraud entry misapplied in my name, as benificiary of the account Pursuant to 15 USC 44 Im asserting my rights to acquire documentary evidence for the books of account as defined in IRS 583. Id like to access record keeping of both journal and ledger credits of the account, as well as ledger and debits of the account, in order to verify the current accounting and taxes related to this account. This will allow me to reaffirm my status as the benificiary and you in fact have been loaned the amount in question. This will also confirm aggravated identity theft as you are conspiring to profit without my knowledge or benefit when you are trustee to my trust. Failure to produce said documents will be deprivation of rights as described before and {$10000.00} and/or 5yrs in prison for any. You have committed theft by deception and embezzlement both federal crimes. 18 usc 656- theft by embezzlement by bank officer or employee shall be fined {>= $1,000,000} or imprisoned not more than 30yrs. I would like this published for the public to see how corporations defraud consumers by the millions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 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: OneMain Finance Corporation
State: KY

Complaint narrative:
There is a hard credit on my report from One Main Financial. I have not tried to get a loan with them and they have no business checking my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
This is what i got from Experian The dispute for the bankruptcy named US BKPT CT XXXX XXXXXXXX was not changed as a result of our processing of your dispute. The company that reported the information has certified to Experian that the information is accurate. 

Source : Experian Date Submitted : XX/XX/2022 Report Number : XXXX Court Name : US BKPT CT XXXX  XXXX Address : XXXX  XXXX XXXX XXXX, XXXX XXXX TN XXXX Type of Record : Bankruptcy Reference Number : 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 2022-01-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Paypal credit has been extremely deceptive. They are using what I feel are fraudulent deceptive practices. I payoff my 6 month promotions way before the end date. I am still being charged interest. Something is not right,, PayPal is not applying my extra payments towards the 6 month promotions. They are practically stealing.They force you to call in to have your payments allocated this is not ok.

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 2022-01-11 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: IL

Complaint narrative:
XXXX  XXXX XXXX is way out of line with this reporting a missed payment from XX/XX/XXXX as late in XXXX XXXX XXXX XXXX and XXXX of XXXX almost 3 years XXXX my dates are off a little but 3 years is a lot to long to wait to report it late payment

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 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: IL

Complaint narrative:
XXXX  XXXX XXXX is way out of line with this reporting a missed payment from XX/XX/XXXX as late in XXXX XXXX XXXX XXXX and XXXX of XXXX almost 3 years XXXX  my dates are off a little but 3 years is a lot to long to wait to report it late payment

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