vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-04 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: TX

Complaint narrative:
I have paid down these accounts XXXX I have disputed all of them on XXXX, capital one has updated, but did not reflect on the other two credit bureaus. 

Capital one reported balance is XXXX actual balance is XXXX XXXX reported balance is XXXX actual balance is XXXX XXXX reported balance is XXXX actual balance is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Fraudulent Charges Bank of America After some consideration, I request that my ATM Debit charges are removed from the following bank and checking accounts. 
Amount - {$250.00} Please do not send a replacement card. 

XXXX Please remove the said account and closed the debt that is in question as the debit was reported stolen and lost. 

Amount - {$100.00} Please do not send a replacement card. 

XXXX Bank Please note that the accounts in question are closed and noted to be overdrawn. Please remove the account from the credit check. 

Amount - {$110.00}, - {$180.00} Please do not send a replacement card.

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 2020-07-04 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have paid down these accounts XXXX I have disputed all of them on XXXX, XXXX XXXX has updated, but did not reflect on the other two credit bureaus. 

XXXX  XXXX reported balance is XXXX actual balance is XXXX XXXX reported balance is XXXX actual balance is XXXX Chase reported balance is XXXX actual balance is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04 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: TX

Complaint narrative:
I have paid down these accounts XXXX I have disputed all of them on XXXX, XXXX  XXXX has updated, but did not reflect on the other two credit bureaus. 

XXXX  XXXX reported balance is XXXX actual balance is XXXX Wayfair reported balance is XXXX actual balance is XXXX XXXX reported balance is XXXX actual balance is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04 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: IN

Complaint narrative:
In XX/XX/2020, noticed my score tanked. Finally had time to investigate in XX/XX/2020. Discovered that somehow Experian has lumped an installment loan onto my credit card debt and has been reporting that I am way over my credit limit. This is totally untrue, as in fact I am under all my credit limits. This has caused my fico score to tank and I have been tryin to find a way to talk to a real person at this company but it is darn near impossible ... they only have so many prompts which lead nowhere and then they cut you off. There is no way to dispute this problem with them online. I have written a letter and that is all I have been able to do. I did reach someone live one day who said I was correct and they were wrong and he was expediting it to be fixed in a day or two. Not fixed three weeks later and still not able to get thru to anyone live again. This is ruining my life.

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 2020-07-04 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: TX

Complaint narrative:
DATE ASSIGNED XX/XX/2019 AMOUNT {$3900.00} I CALLED TO THE COMPANY ASKING TO REMOVE THIS INCORRECT INFORMATION AND I EXPLAIN THEM THAT THIS NOT MINE, I WAS A VICTIM OF THRFT AND I HAVE A POLICE REPORT. 

CONVERGENT OUTSOURCING, XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX CREDITOR NAME : XXXX 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 explanation
Consumer complaint received 2020-07-04 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: MD

Complaint narrative:
THE DISPUTED BANKRUPTICIES HAS BEEN DISCHARGED IN THE COURT OF LAW AND NO CREDITORS ARE ALLOWED TO REPORT DISCHARGE CASES. THOSE BANKRUPTICES HAVE BEEN HURTING MY CREDIT AND HAS PREVENTED ME FROM ACQUIRING NEW CREDIT, IT HAS BEEN TOUGH BECAUSE THERES SO MUCH THAT I AM TRYING TO ACCOMPLISH FOR MY BUSINESS AND DUE TO THE NEGATIVE ITEMS AND INACCURATE REPORTINGS IT HAS HOLD ME BACK FROM DOING THAT. PLEASE INVESTIGATE THIS AND HAVE ALL THE DISPUTED ITEMS REMOVE. PLEASE SEE THE ATTACHED PAPERWORK FOR THE DISCHARGE INFORMATION.

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 2020-07-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I had submitted a claim stating that a young lady that I raised and no longer in contact with walk into a Bank of America to open account the teller at the branch proceeded to tell her she already had an account but that was my money and old account that I had just deposited my stimulus check into this was and old account that still had her name attached to it but I had opened the account back when she was receiving ssi which she stop receiving in XXXX but kept the account open and was putting my money into the account she knew the money wasn't hers she even admitted it in a text she send my neice were she state that the teller told her about the savings account which allowed her take out every penny in one day all my saving which I feel the teller shouldn't have done I've been with BOFA for over 20yrs this put me in a financial hardship because of one unprofessional bank teller you came to the conclusion that there was no fraud committed but if the teller had not told about that account I'd still have XXXX in my account this was so unfair I think and exception could be made in this matter since you gave 60day to respond to your when I went to site to do so it would not allow me to state my discuss at you decision that I did not agree with I'm XXXXyrs old XXXX woman struggling to pay my bills that money that your teller told her about was my money my stimulus money and I have proof that that if not the teller opening her mouth I'd still have my money that could have paid my car note for 2 months please revisit my original claim I pray that you reverse your previous decision

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 2020-07-04 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I sent XXXX and experian proof of identity theft and fraudulent accounts and fraudulent inquiries and fraudulent address and still no response and they haven't remove anything from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK
State: CO

Complaint narrative:
Had contacted agency XXXX Numerous times verbally told by customer service agents electronically that i had a 0 % interest rate for 12 months now am being told is XXXX out of the blue and they are going to do nothing about it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04 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: FL

Complaint narrative:
I have disputed 2 XXXX XXXX XXXX  accounts with XXXX XXXX XXXX  and credit bureaus and received the attached response from XXXX XXXX  XXXX confirming that both accounts will be deleted from credit bureas. Although XXXX and XXXX  are no longer showing the disputed accounts, as of XX/XX/2020 Equifax is still reporting account XXXX ( see attached ). 
Please delete this false account asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: TX

Complaint narrative:
I have been using cash apps direct deposit option through XXXX XXXX. Ive received many deposits from work and my unemployment benefits, even the stimulus was deposited there for me. However on XX/XX/2020 my cash card all of a sudden stopped working declining every transaction I wanted to make. When I tried to activate my card it kept saying I was not able to then my card disappeared. I then had the option to start a new card but it kept saying it can not activate a new card for me at this time. Ive tried several times and several attempts to speak to cash app but the response is lagging. I am supposed to have received my unemployment benefits by now but cant because they wont let me activate a card. I need help, and have bills to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Tried to link my account to the app XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: CA

Complaint narrative:
I have no business with ENHANCED RECOVERY CO  or XXXX XXXX  is item is fraudulently report on my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was tryimg to close my account due to a low credit limit I was offer back in XXXX 2020 and capitol one refused to close my account because I have a open dispute with a merchant and the chargeback is in place but I wanted to cancel the dispute and have the charge rebilled back into my account I was told that I have to wait 90 days for a response which is stupid and I just want this account closed due to low credit limit and too many declines. and my credit score is good standings. close my dispute with Walmart XXXX ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK
State: AZ

Complaint narrative:
On XX/XX/2020 I attempted to log in to my online account with Discover Card only to find out that my access has been restricted due to a routine identity verification check. I was told I would receive an email with instructions from an individual at Discover with instructions to submit to the IRS in order to verify my identity. I was also advised that my charging ability would be restricted or suspended until the IRS responds, which i was told could take several days to weeks due to the pandemic. These adverse actions were taken by Discover despite not sending a notification in advance to make me aware. 

As far as I'm concerned this action is a violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04 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: MD

Complaint narrative:
THE DISPUTED BANKRUPTICIES HAS BEEN DISCHARGED IN THE COURT OF LAW AND NO CREDITORS ARE ALLOWED TO REPORT DISCHARGE CASES. THOSE BANKRUPTICES HAVE BEEN HURTING MY CREDIT AND HAS PREVENTED ME FROM ACQUIRING NEW CREDIT, IT HAS BEEN TOUGH BECAUSE THERES SO MUCH THAT I AM TRYING TO ACCOMPLISH FOR MY BUSINESS AND DUE TO THE NEGATIVE ITEMS AND INACCURATE REPORTINGS IT HAS HOLD ME BACK FROM DOING THAT. PLEASE INVESTIGATE THIS AND HAVE ALL THE DISPUTED ITEMS REMOVE. PLEASE SEE THE ATTACHED PAPERWORK FOR THE DISCHARGE INFORMATION.

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 2020-07-04 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: MD

Complaint narrative:
THE DISPUTED BANKRUPTICIES HAS BEEN DISCHARGED IN THE COURT OF LAW AND NO CREDITORS ARE ALLOWED TO REPORT DISCHARGE CASES. THOSE BANKRUPTICES HAVE BEEN HURTING MY CREDIT AND HAS PREVENTED ME FROM ACQUIRING NEW CREDIT, IT HAS BEEN TOUGH BECAUSE THERES SO MUCH THAT I AM TRYING TO ACCOMPLISH FOR MY BUSINESS AND DUE TO THE NEGATIVE ITEMS AND INACCURATE REPORTINGS IT HAS HOLD ME BACK FROM DOING THAT. PLEASE INVESTIGATE THIS AND HAVE ALL THE DISPUTED ITEMS REMOVE. PLEASE SEE THE ATTACHED PAPERWORK FOR THE DISCHARGE INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: DE

Complaint narrative:
I have been a customer of XXXX XXXX XXXX for 9 years, not once did I miss a payment due to being enrolled in auto pay with XXXX military credit card. I canceled services in the beginning of the year due to many reasons. 
1 ) XXXX  continuously upping rates ( went from {$25.00} military gurantee rate to {$58.00} ) 2 ) we had pre paid cameras installation with a ring door bell threw XXXX which was never installed due to the tech and service mgr claimed due to our front foundation there was not enough room for the ring which required a min of 4 '' 3 ) there is currently a worldwide emergency know as covid 19 with millions unemployed and out of work ( which leaves someone home 24/7 not needing to waste {$58.00} for services no longer needed We have requested a copy of the alleged XXXX contract they're trying to charge us {$860.00} for after being a loyal customer for 9 years not to mention the numerous harrasing phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I have an account with PNC. I am trying to link my XXXX account and PNC has made me unable to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: TN

Complaint narrative:
On XX/XX/2020 at XXXX XXXX I made a money transfer of {$400.00} via the Western Union to a family member in another country. After I sent it, my family member called to tell me he was " not allowed to receive the money because the receiver name on the transaction didn't match his government identification '', so, I thought, " I'll fix it, no worries, let me call the Western Union and ask to change the receiver name ''. So I called and was transferred a million times only to be told " there's a hold on the money '' by the " Compliance Team ''. So, I went in person to the place where I made the transfer and the man at the counter had the same issue with the office over the phone for A WHOLE HOUR only to be told at the very end " the sender needs to call and cancel the transaction to get a refund, we can't change the name ''. So, I'm currently calling them to cancel the transaction and am being ignored on hold. I want my money back, this is some kind of a scam. I called the company several times over this issue and nothing has been fixed. HELP ME. This was my grandmother 's funeral money, where does Western Union get off eating funeral money??? Someone fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
reported the ftc violations to FTC and now CFPB please get this corrected accounts : {$420.00} Original creditor : XXXX XXXX XXXX XXXX  XXXX  Opened XX/XX/XXXX + {$50.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX - {$47.00} Original creditor : XXXX XXXX  XXXX  XXXX  XXXX XXXX   XX/XX/XXXX Creditor Name XXXX XXXX XXXX  XXXX Account Type Secured Credit Card Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit {$300.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$110.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status Creditor Name ATTORNEY GENERAL-XXXX Account Type XXXX XXXX   Account Status Open Opened Date -- Closed Date -- Limit -- Term -- Monthly Payment {$370.00} Responsibility Individual Account. 
Balance {$25000.00} Highest Balance -- Payment Status 120-149 Days Late XX/XX/XXXX Creditor Name XXXX XXXX XXXX Account Type Auto Account Status Closed Opened Date XX/XX/XXXX XX/XX/XXXXClosed Date -- Limit -- Term 65 Months Monthly Payment -- Responsibility Individual Account. 
Balance {$10000.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$10000.00} Times 30/60/90 Days Late 14/1/1 Remarks Charged off account un XXXX, XXXX Creditor Name XXXX XXXX XXXX Account Type Auto Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 64 Months Monthly Payment -- Responsibility Joint Account Balance {$0.00} Highest Balance -- Payment Status Collection/Charge- XX/XX/XXXX Collection Agency XXXX XXXX  XXXX  Original Creditor XXXX  XXXX  XXXX  XXXX  Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$420.00} High Balance {$420.00} Remarks Medical XXXX XXXX  XXXX  {$50.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX  XXXX  Original Creditor XXXX   XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$50.00} High Balance {$50.00} Remarks Medical XXXX XXXX XXXX {$47.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX  XXXX  XXXX  XXXX  XXXX PA Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$47.00} High Balance {$47.00} Remarks Medical

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 2020-07-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: CA

Complaint narrative:
I have not subscribed to XXXX XXXX XXXX XXXX services for over 5 years. This is an attempt by them to collect on charges that used to be on my credit report and was removed by the CFPB due to them illegally re-aging the account.

Company response to consumer: Closed with explanation