vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-09 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax, refuses to correct the address that is listed as current address on my credit report. Equifax list an incorrect address as my current address on my credit report. I have lived at my current address for 22 years, my tax documents, drivers license, social security record, all reflect this, yet Equifax knowingly continues to report this inaccurate address on my report.When I apply for bank account they information that they are unable to verify my identity, because the information listed on my report does not match the information on my application. I have sent Equifax proof of my address, and they still refuse to correct my report. Equifax is willingly putting me at risk for identity thief by allowing false information to be listed on a resource that in commonly used by financial institutions to verify identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit report is still reflecting an old account which should have been deleted as of XX/XX/XXXX. My conns account was opened on XX/XX/XXXX and by law of seven years it should be removed from my credit report. I have talked to several agents and can not get them to remove this even after they say they will

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 2021-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd

Complaint narrative:
Dear Sir / Mandam, A few weeks ago I had to transfer some money to XXXX, and then I selected Wise ( https : //wise.com ) for this service. I thought I had provided the wrong banking information, so eventually the fund was rejected. Wise was saying to refund the money to me but I still not yet received my fund at this moment. They claimed to need several weeks to trace the refund status. 

XXXX : System replied me the refund sent to my account and need me wait 5 days to check my account. 
XXXX and XXXX : I have sending send emails to wise to ask I did not receive the refund amount. 
XXXX : I sent email again for chasing the refund status. 
XXXX : got email reply from Wise saying that the money has been refund and attached the recipt to me. 
XXXX : I sent email to them to confirm my refund did not received and the fund transfered to wrong bank, ask Wise how to solve it XXXX : Wise replied me our refund trace is started and need about 6 working days for the result. 
XXXX : Wise replied me they need over several weeks to trace my refund status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I call the company back and no one will answer the phone. They are calling everyday and hanging up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
XX/XX/2021 around XXXX o'clock in morning my vehicle was repossessed by XXXX XXXX XXXX. Credit acceptance violated my consumer rights as federal protected consumer I never discloses to me the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under. They never given consumer the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party. I never gave explanation of how the consumer can exercise that nondisclosure they did not follow the law. Pursuant to 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option I fear for my life disclosing my personal information to nonaffiliated third party

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 2021-06-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
Portfolio Recovery has reported me to credit bureaus stating that I owe them money. However, when I dispute the claim with them, the credit bureaus, the XXXX XXXX XXXX, and state agencies, all documentation they send states " This communication is from a debt collector but is NOT an attempt to collect a debt. '' Everything! They don't ask for money. When I offered a settlement, they didn't even respond. So why are they reporting me as " owing money '' if they are NOT collecting a debt and they refuse to acknowledge offers of payment? This sounds like slander and/or libel. Can you explain to me why they are NOT collecting a debt but are reporting me as owing a debt?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One offered a checking bonus of {$400.00} when opening a new checking account with promo code XXXX. I applied the code and opened the account on XX/XX/XXXX and received two or more direct deposits totaling $ XXXX+ within 60 days of account opening as required but the bonus was denied to me in a XX/XX/XXXX e-mail from the bank for having a previous 360 checking account opened per their terms : " If you have or had an open 360 Checking account as a primary or secondary account holder with Capital One on or after XX/XX/XXXX, you will be ineligible for the bonus. '' I do have another checking product opened, an ING Direct checking account, but nowhere in their terms does it say having an ING Direct account opened makes one ineligible for this offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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:
I have been sending XXXX XXXX XXXX, XXXX, and Equifax letters for the last 11 months regarding a collection they have reporting to my credit reports. I DO NOT KNOW THIS COMPANY. I have not done any business with this company. I have no contract with this company. This company has nothing in writing stating I agreed to any form of a contract. This company would only send me a bill saying I owe { {$590.00} }. This is not PROPER VAILIDATION. I want to see All of the documents opposed to just a bill. I have asked multiple times for any documentation and they dismiss my request. I have also asked that if they can not provide anything then to stop contacting me and remove the fraudulent account from my credit report. 
XXXX conducted their investigation months ago and removed it from my credit report. 
When I first inquired about this account with Equifax, it was listed on my report as a closed account ; derogatory ; collection. After their investigation it was briefly removed and then reinserted a couple of months later now showing as an open account with late payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They other months are showing paid. It shows " Balance Updated '' on XX/XX/XXXX. This makes absolutely no sense to me. 
When I did the same with XXXX, they changed the " Balance Updated '' on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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:
I have been sending XXXX XXXX XXXX, Experian, and XXXX  letters for the last 11 months regarding a collection they have reporting to my credit reports. I DO NOT KNOW THIS COMPANY. I have not done any business with this company. I have no contract with this company. This company has nothing in writing stating I agreed to any form of a contract. This company would only send me a bill saying I owe { {$590.00} }. This is not PROPER VAILIDATION. I want to see All of the documents opposed to just a bill. I have asked multiple times for any documentation and they dismiss my request. I have also asked that if they can not provide anything then to stop contacting me and remove the fraudulent account from my credit report. 
XXXX  conducted their investigation months ago and removed it from my credit report. 
When I first inquired about this account with XXXX, it was listed on my report as a closed account ; derogatory ; collection. After their investigation it was briefly removed and then reinserted a couple of months later now showing as an open account with late payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They other months are showing paid. It shows " XXXX XXXX '' on XX/XX/XXXX. This makes absolutely no sense to me. 
When I did the same with Experian, they changed the " Balance Updated '' on XX/XX/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 non-monetary relief
Consumer complaint received 2021-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Conn's, Inc.
State: TX

Complaint narrative:
Conn Credit Corp. is reporting inaccurate information on my credit via XXXX  and XXXX. Conns basically is re-aging the account when the original reported date of chaarge-off was in XXXX. They have since, began reporting on closed account on XX/XX/XXXX. Which is illegal. Please assist me, the company has not been very responsive. XXXX is no longer reporting this older account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CT

Complaint narrative:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. I demand an investigation and removal of this collection account that does not belong to me. The Monthly Payment, Terms, Credit Limit, Past Due and Date of Last Payment are missing in this report. I demand this will be deleted.

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 2021-06-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Alum Financial, LLC
State: CO

Complaint narrative:
Alum Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Email : XXXX | Phone : ( XXXX ) XXXX Contacted me about loan forgiveness through the XXXX XXXX XXXX loan forgiveness program. They accurately told me my loan information unprompted and represented themselves as a company representing the United states department of education. They told me that after 8-9 months of payments ( {$150.00} ) under their loan forgiveness program in coordination with the department of education that nearly all or all of my federal loans would be forgiven. 

Because they had my information it seemed as though it was legitimate and they said it is first come first serve so it must be done promptly. They rushed me through the sign up process and began a consolidation on my loan ( XX/XX/XXXX ). After I got off the phone, it began to seem it was too good to be true. I looked at the contract and indeed there was no mention of loan forgiveness after 8-9 months. They are a company not affiliated with the Dept. of Education. The information was very deceiving and designed to rush me through the process. I found others online sharing the same story who ended up saddled with fees associated with the company that ended in no loan forgiveness as far back as XXXX. So it was not a time-sensitive matter that needed to be addressed immediately. 

I promptly contacted my loan provider and Dept. of education. It seems it is basically a scam to rope you into services. 

The next day ( XX/XX/XXXX ) I contacted XXXX XXXX XXXX and cancelled the consolidation that Alum Financial had already submitted. I then contacted Alum Financial who tried to convince me that I still should use their services. I declined and said I want to cancel my contract that rushed me through the process. They threatened that I would still be obligated to make the payments I agreed to and if I did not they would send me to collections. No money has been exchanged, no services were provided. Their practices are predatory and not at all clear and apparent.

Company response to consumer: Untimely response
Consumer complaint received 2021-06-09 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: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
There are five steps to submit your complaint : Step 1 : What is this complaint about? 
XXXX XXXX I paid my credit card off. 
Went to bed and forgot I paid it off and when I woke up i paid it off again the XXXX of XXXX. 

Step 2 : What type of problem are you having? 
The XXXX of XXXX I realized what I had done and called the credit card company and asked them to please deposit my money back into my checking account and was told the bank would have to do it and get InTouch with them Monday. 
Monday came and I went to three branches and never go an answer other than they have the right to keep your money for three days. 
Three days came and went and my bounced accounts kept adding up.

Step 3 : W
hat happened? 
I'm now up to about XXXX XXXX in insufficient funds, if not more by now. 

Step 4 : What company is this complaint about? 
My Checking account is with Regions Bank and my credit card is with Regions bank. 

Step 5 : Who are you submitting this complaint for? Myself, 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 2021-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit report is still reflecting an old account which should have been deleted as of XX/XX/XXXX. My conns account was opened on XX/XX/XXXX and by law of seven years it should be removed from my credit report. I have talked to several agents and can not get them to remove this even after they say they will

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 2021-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit report is still reflecting an old account which should have been deleted as of XX/XX/XXXX. My conns account was opened on XX/XX/XXXX and by law of seven years it should be removed from my credit report. I have talked to several agents and can not get them to remove this even after they say they will

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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: GA

Complaint narrative:
The status is incorrect for the following account.

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 2021-06-09 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
" Credit Coll '' is collection agency reporting to my credit in error. The original creditor is XXXX. XXXX mistakenly entered the wrong information when I returned my equipment. XXXX then billed me for not returning my equipment but I had already did. Attached is proof of receipt that I returned all equipment. I even went into a comcast location and the representative owned up to the mistake that had happened. XXXX sold the debt to " Credit Coll ''. This is a complete error and violation. Delete this from my credit immediately.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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: NJ

Complaint narrative:
Experian is reporting a bankruptcy that is not mines. XXXX XXXX has removed the bankruptcy from my record therefore Experian needs to remove the bankruptcy 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 2021-06-09 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TN

Complaint narrative:
Recieved an email from a law firm called XXXX XXXX XXXX demanding XXXX in fees or to settle for a little over 800.00 by this Friday and stating they are going to contact FBI, etc. That I know I didnt borrow those enormous amounts. Feel harassment. Leave me alone. Stating accounts going to be levied?????? I dont have a job.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
Hello I bought and sent XXXX USDC using the Coinbase app and they marked the withdrawal as complete although the withdrawal was never completed and I never recieved the money and Coinbase refused to help and kept closing my support tickets. I also contacted the reciever, XXXX XXXX, who also refused to help and claimed to never obtain my funds. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief