vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-18 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Amscot Corporation
State: FL

Complaint narrative:
On XX/XX/2022 I visited store XXXX in XXXX Florida to make my final payment. I am in possession of the receipt which shows {$0.00} remaining balance. Approximately a week after making my final payment, I am barraged by phone calls from the local store that I still owe on this payday loan. For months I have asked for an accounting ledger showing debits/payments to substantiate their claim that I still owe them money- Amscot refuses to do so. 

I have a receipt signed by an employee which proves the debt was paid in full - at this point I believe the agent who received the money from me stole the cash from the company and did not apply it to my account. 

Amscot refuses to show any type of paperwork to substantiate their claim that I do in fact still owe them on this debt, despite the fact I have provided them the receipt multiple times via email and in store.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: FIRST NATIONAL BANK OF OMAHA
State: PA

Complaint narrative:
Hello, I went through the pre-approval process online and it said I was pre-approved for a personal credit card. I have an XXXX XXXX XXXX but was denied. The reason given was ( identifying information does not verify. ) I called them and verified myself over the phone and wanted to know what specifically they here having a problem verifying and i would send proof but they would not tell me. I already have a business credit card with them so I know I must be verified and in their system.

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 2022-11-18 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 interested in disputing all inaccuracies on my Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have presented transcripts, w-2 forms in person and I requested a XXXX form shipped from the irs to the headquarters of Fifth Third Banking before I had one sent to my home to bring in person The fraud department has been unreachable after Ive presented them everything they asked they decided to close my account, They requested irs to email them certain things when theyve explained that the irs doesnt email and expose information of sort They have maliciously held my money for 2 months with no communication..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Self Financial Inc.
State: TX

Complaint narrative:
I have seen my credit score drop a lot due to XXXX XXXX XXXX I have no knowledge of this account being opened nor do I have a credit card that they claim that I should have. No one from this company has personally reach out to me via email or phone. I've been told to file a complaint/report and save it as a XXXX  to get this problem fixed within the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bonneville Billing and Collections
State: MN

Complaint narrative:
I been receiving phone calls of harassment, profane, abusive, vituperative language, threats of being sent to jail and prison, threats of XXXX and death from Bonneville Collections Debt Collection Representatives for a debt collection account from the original creditor XXXX XXXX XXXX XXXX for {$11000.00}. The debt collection account is a fraudulent account and not my account and is the result of identity theft. Reference Number : XXXX. Bonneville Collections is in complete violation of the Fair Debt Collection Practices Act ( FDCPA ) under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 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: IL

Complaint narrative:
hey please remove this account I know you will understand me in this situation this is becoming a frustration to me. Please be deleted before 30 days If you do not respond within this time period, Thank you for your time. Hoping that I could get some favorable news after this investigation.

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 2022-11-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: NE

Complaint narrative:
Portfolio recovery a third party debt collector refuses to send me the history or the origin of the debt that they are sueing me for. I sent them a certified letter XX/XX/XXXX and I had an attorney send them a letter on XX/XX/XXXX, both of which they are ignoring as they continue to garnish my bank account. Back in XXXX  they told me that the account was resolved and I only have had one account, now they have changed it to two accounts, one is open and one say resolved paid in full. I only had one account. They are refusing to provide and supporting documents

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 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: VA

Complaint narrative:
I have been filing again this dispute to TRANSUNION as you claimed that it was not me who filed the complaint dated XX/XX/2022, with Complaint Number XXXX, then you are mistaken because it is me who is filing this complaint again. Please consider this as my formal complaint against the inaccurate reporting from the bureau. 

I have also attached proofs of this complaint.

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 2022-11-18 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: IL

Complaint narrative:
hey please remove this account I know you will understand me in this situation this is becoming a frustration to me. Please be deleted before 30 days If you do not respond within this time period, Thank you for your time. Hoping that I could get some favorable news after this investigation.

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 2022-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Was called by I thought was my bank on someone trying to make a transfer from my account ended up being a scam lost XXXX dollars bank wow not reverse money because it was XXXX the scammer called my wife originally cause we have business account and my personal they took XXXX from business the bank reimburse my business account but not my personal

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 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: IL

Complaint narrative:
hey please remove this account I know you will understand me in this situation this is becoming a frustration to me. Please be deleted before 30 days If you do not respond within this time period, Thank you for your time. Hoping that I could get some favorable news after this investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I need to unfreeze my credit with Equifax. The website login is unavailable and directs customers to the company XXXX number. 
The automated system uses information from customer credit report to verify identity. 
However, the automated questions have no relevance to my current credit report. The automated system will ask follow up questions for credit report entries that do not exist on my report. 
The customer has the option to choose a keypad option for " no '' but the system will continue to ask questions based on the " NO '' answer. 
The automated system then drops the phone call. 
There is no " get human '' option. 
This is impacting a job opportunity and I am displeased immensely.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
a lot of information is invalid. I've checked my file an I am interested in disputing all incorrect information on my credit report with transunion.

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 2022-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
XXXX I need your assistance I attempted to withdraw {$500.00} from the ATM at XXXX XXXX in XXXX in XXXX the ATM went thru with the function however No money was dispense..I had the 2 Managers in charge of the ATM run the Surveillance Cameras and they confirmed No money was dispense to me so for peace of mind they had the Technician open the ATM and showed when the Transaction was declined. I checked my account online and my money was taken out. The next day I went to a Citizen 's Bank spoke to the banker who requested my money return I got it on my account within a few days. In XXXX I received a letter from Citizens Bank that they taking back the money and they took the money back I went to Citizens Bank where another Banker name XXXX called the investigator advised her he saw the proof that I didn't get the money from the ATM she said she would send a link so I could forward her the proof. She never sent the linked but instead denied the case or claim..I need my money I am stressed out I have had 2 deaths to deal with in my family within the last 3 months I have to pay bills because of this .I need my money please help me I am sending my proof if you should need anything more please contact me by email .... XXXX XXXX XXXX...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: DC

Complaint narrative:
I received a XXXX XXXX XXXX XXXX  while working for XXXX XXXX. I no longer work for XXXX and would like to cash out this card. The original card is lost. I am being blocked from accessing my funds which I believe are in the amount of {$2600.00}. XXXX 's customer service is awful. There is no direct way to get in touch with a live agent at XXXX. I call up, am asked to provide my social security and birthday but no account is found under that name so the automated system hangs up. My old employer XXXX is unable to update my address/ phone number and correct the information that XXXX has so that my identity can be verified and I can get a new card sent out. Fifth Third is the bank that holds the money and issues these payroll cards. I have called them and they tell me the employer need to resolve it. The employer refuses to contact XXXX to resolve this issue but did let me know that when a card goes unused for over 100 days the funds may be taken by wisely as abandoned. The employer is well aware of the issues XXXX has with customer support. I have made multiple calls to Fifth Third Bank and have not been helped with this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 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: IN

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be 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 non-monetary relief
Consumer complaint received 2022-11-18 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: IN

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be 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 non-monetary relief
Consumer complaint received 2022-11-18 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 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: CCS Financial Services, Inc.
State: AZ

Complaint narrative:
My identity was stolen now there are bills popping up on my account

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I was rejected for a Marcus Goldman Sachs savings account because I am XXXX and their system can't handle this. This is a human rights violation to deny someone a basic service. 

I am a XXXX XXXX with a legally updated name. My gender and name are updated with the Social Security Administration. Goldman Sachs categorically rejected my application due to my " personal information '' being inaccurate, without allowing specifics. 

I then proceeded to out myself and had to gave the old deadname information. An hour on customer service and they still rejected me. They said they can't verify it through their online system and as an online-only service they must reject me. 

I deserve equal access to high-quality savings accounts. Marcus Goldman Sachs needs to allow access for XXXX people by fixing their identity and credit search system.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: PA

Complaint narrative:
JEFFERSON CAPITAL SYSTEM located at XXXX XXXX XXXX XXXX. XXXX MN have been calling and harassing me about a collection in the amount of {$590.00} that has been reported as a past due balance. I do not know this company. I have never done business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 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: FL

Complaint narrative:
All incorrect addresses and names should have been removed from my Credit Report. I called XXXX, Experian, and XXXX in XXXX of 2021, and nothing has happened. I mailed out letters to the above Credit bureaus, and nothing has happened.

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 2022-11-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NE

Complaint narrative:
On XXXX XXXX, XXXX I initiated {$100.00} to XXXX but XXXX deducted {$1000.00} and sent it to my recipient in XXXX, I initiated a dispute against XXXX but the recipient returned the balance of the funds to me. 
To my dismay, Bank of America charged me twice for these transactions making total money debited on my account to be {$2000.00} which I intend to file claims on {$1000.00} on it but I was unable to do so because I was told until it was processed and posted. Some of the payments I made was revised because of lack of enough funds as a result of this transactions. 
I have called severally but no positive solution to resolved this issues, there is no Bank of America branch in Nebraska in order to go there for resolution and my landlord gave me ultimatum till XXXX to resolve my issue and pay the deposit of new house I want to rent. 
Please as a matter of urgency want you to assist to resolve it today in order to pay my rent because XXXX told me that they did not collected {$2000.00}, they only received {$1000.00} To resolve the problem, I would appreciate the {$1000.00} charged refunded back to my account. I want the Bank of American post this transactions so I can be able to dispute it. 
I enclosed my statement of Account, on XX/XX/2022 and XX/XX/2022 where {$1000.00} was charged on each day respectively, the letter from XXXX that they only received {$1000.00} and the letter from my landlord referring to reverse of {$600.00} pay for my house rent because of insufficient funds as a result of this. 
I have contacted Bank of America XXXXorporate Office, no response. 
Please contact me at the above address at XXXX Sincerely, 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 2022-11-18 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
Credit card balance paid off XX/XX/22 and balance should have been reported to credit reporting agencies as XXXX. Contacted Comenity director XX/XX/22 and was told system updated taking place I would need to wait 2 billing cycles. Recontacted Comenity XX/XX/22 after bill cycles passed and information was still inaccurate. 

Ive contacted all 3 credit reporting agencies to report they have received false information from Comenity. Each one told me to wait 30 days for updates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-18 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: Grant & Weber
State: CA

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 USC 1681. 

Grant & Weber : XXXX XXXX & XXXX : XXXX 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.

15 U.S.C 168c. ( 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.

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 2022-11-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the transactions listed in the attached letter. I am requesting this information be blocked and deleted. My request to block and delete is not in error, nor is it made on the basis of a material representation of fact by me relevant to the request to block the identified transactions.

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