vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My purse was snatched with all of my Identification information in it. I called and spoke with a representative and explained what happened. They instructed me to send in a identity theft with the information that was created by the thief to have that deleted 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 2021-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
I consumer XXXX entered into a consumer credit transaction in XX/XX/XXXX while extending my credit to ALLY FINANCIAL pursuant to 15 usc 1602 ( g ), the original creditor. This consumer credit transaction involved a finance charge in which is the SUM of all charges pursuant to 15 USC 1605 ( a ), in which this transaction doesn't require any monthly payments because the debt was already paid for. ALLY FINANCIAL continues to use abusive tactics in calling my phone several time and sending communication via mail using prohibited offensive language. This is a violation of my consumer rights under 15 USC 1692d ( 2 ). As the natural person and consumer, 18 USC 8 is obligated to pay on my behalf. I was not informed of my right to rescission by ALLY FINANCIAL with full disclosure pursuant to 15 USC 1635. ALLY FINANCIAL ignored my cease and desist sent out on XX/XX/XXXX and stated that federal law and my federal rights doesn't apply to them. I'm being harassed all the time by this company for a debt not owed. ALLY FINANCIAL has caused me financial harm and has ruined my reputation.

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 2021-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Hi My Issue is bit complex and tried my best to talk to banks to get my money back but no one helped and did an useless investigation, I tried many ways but CFPB is the only hope please help me here On XX/XX/XXXX i made an Balance Transfer of XXXX $ from my XXXX credit card to my Bank of america checking account, on XX/XX/XXXX I used my Bofa mobile app deposit check option to desposit those XXXX $ into my bofa checking account, Till here everything was fine On XXXX, My Bofa account got charged XXXX $ saying " Debit Adjustment Duplicate item '' when i called the Bofa customer care they said i have cashed my check twice which i did not. then i informed Bofa fraud team that i only cashed the check once and second time is a fraud which i did not commit, then the Bofa fraud team mentioned that if its Fraud i need to complain XXXX as the check belongs to them When i talk to discover Fraud team they say that those XXXX $ already got credited to My Bofa checking account and we are not responsible for any fraud. 

I never cashed my check second time its an fraud attempt done by someone, i have crushed and trashed my check after the money got deposited to my account, But the bank of america wrongly charged my account saying i cashed the check twice Now i lost XXXX $ due to bank of america mistake and had to pay back XXXX $ back to discover with Process fee The Check has my name and my bank account details, No one should be able to cash that, due to Bofa mistake i lost money Its purly BOFA mistake to charge my account. 

Please help me

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 2021-07-19 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: FIFTH THIRD FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 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: The Best Service Co.,Inc
State: NM

Complaint narrative:
The Best Service Co is reporting Negative Account - Collections on behalf of original creditor XXXX XXXX XXXX XXXX. Balance of {$460.00} is being reported as below : Individual ; Open ; Unpaid ; Collections- {$460.00} In fact this was a Joint account ( checking ) not an Individual account. On XX/XX/2018 XXXX account ( checking ) was Closed per XXXX XXXX XXXX XXXX. Financial institution XXXX XXXX XXXX XXXX is also reported Joint account ( checking ) within other financial institutions as Account Abuse. There was discrepancies with the Routing and Account numbers being incorrect and different than what was printed on the ( 4 ) books of checks issued by the financial institution XXXX XXXX XXXX XXXX. I was only able to use my Joint account ( checking ) on 2 occasions as neither account holders were able to pay for goods using the above mentioned bank issued checks anywhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I was a victim of violent crime. I am not responsible for this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-19 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-19 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: General Motors Financial Company, Inc.
State: MA

Complaint narrative:
GM Financial is the company I used for my auto loan. They were incorrectly reporting information on my credit which caused so much damage to my financial situation. I paid off my car loan over 3 months ago and have yet to receive the title for my vehicle. I contacted them and was told I had to wait 45 days. It's now 3 months and still nothing. Dealing with this company has been a total nightmare and would never recommend anyone to take a loan from them. They completely damaged my credit and I'm not sure how to fix what they have done.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-19 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: MI

Complaint narrative:
Equifax refuse to properly investigate accounts on my report which is now in my opinion fraud. 
XXXX Last reported XX/XX/XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX XXXX XXXX Last reported XX/XX/XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX XXXX  XXXX XXXX Last reported XX/XX/XXXX I've ask for and investigation multiple times, Equifax never sent me any notification of dispute nor results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: SD

Complaint narrative:
I recieved a paper bill in the mail with a statement closing date of XX/XX/2021 for PayPal Credit. It says on this paper bill I can ( and have in the past multiple years ) go to the online website to make my payment. The paper invoice simply says " To receive electronic statements or make online payments visit PayPal.com '' When you go to PayPal.com a home screen comes up with " PayPal balance '' that says {$00.00} and an " add money '' button, along the left side, reading down, it says " insights '', " Money in ' " Money Out '' all around this home page nowhere does it say " PayPal '' payment options, or abilities to look at the PayPal Credit card balance, payments, history any of the information on this paper mailed statement. None of it shows on this website. I emailed after spending hours going over the " paypal.com '' site, help page, and all other forums to find out where the PayPal Credit site is for payments and viewing. It appears it is linked to Synchrony bank and you have to make payments through synchrony bank, nowhere on the home website does it give you a link that is easily accessible to synchrony bank to make payments. This very difficult and challenging experience started about 3-4 months ago and over and I have spent hours trying to find the link to make my payments. Last month I emailed them and said no link was connected and the website had an " updating '' access limited message preventing and limiting user availability to the account. I do not believe making payments to a credit card should be this challenging and present with what feels like deceptive marketing - it is not PayPal I am paying or working with it is marketed that way but held by Synchrony bank - a completely different website, provider, customer service, logo, brand ... it's very confusing to get PayPal marketing/brand invoicing website directions but really be working with Synchrony bank.

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 2021-07-19 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I WAS A VICTIM OF IDENTITY THEFT I HIRED A LAWYER TO HELP WITH MY SITUATION. IT WAS SUCCESFUL THE NAME OF THE COMPANY IS AMERICAN EXPRESS A FEW YEARS LATERS I WAS CONTACTED BY AMERICAN EXPRESS AS I OWED MONEY THEY TOLD ME NO I DIDNT THEY REQUESTED INFORMATION TO VERIFY THIS WAS SENT I WAS NOTIFIED I STILL OWED MONIES TO ONE CARD ( ONE ) THIS IS IMPORTANT TO REMEMBER. 

MY CREDIT REPORT WAS HIT. I WAS THEN OFFERED A DEAL TO PAY THEM OVER XXXX US DOLLARS TO CLEAR MY NAME TO GET A CARD ... .I PAID ONLY TO RECOVER MY CREDIT. 

AFTER A FEW MONTHS TO PAY THEM THEY SAID THANKS AND THEN THEY SENT ME A NEW LETTER TELLING ME I OWE FOR THE OTHER CARDS THAT WAS REMOVED BY THEM IN SUPPORT OF EVIDENCE OF A POLICE REPORT AND VERIFICATION FROM THE XXXX COUNTY DA OFFICE THE PERSON DOING THIS WAS ARRESTED HE NOW SITS IN JAIL. 

NOW THEY RE HIT MY CREDIT REPORT WITH TWO NEW HITS OF THE OLD ACCOUNTS AND TOLD ME I OWE THEM YEARS LATER FOR NO OTHER REASON THAN I OWED IT ORIGINALLY AND I HAVE TO PAY. MY LAWYER WHO IS ASKING TO GO THIS ROUTE BEFORE CLASS ACTION SUIT FILED PLEASE CAN YOU HELP ME WITH THIS? 

THANK YOU XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
Transunion be advised that there has been a mistake and misunderstanding concerning the XXXX XXXX  Account # XXXX. This XXXX XXXX  is not in a Bankruptcy and never was put in a Bankruptcy. The pay Status showing this account to be included in a Bankruptcy is inaccurate reporting, please update and remove the Bankruptcy Status. As far as the 3 late payments that were showing on my XXXX XXXX  Account, I have contacted XXXX XXXX, and they will be sending you notification that those 3 late payments are 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 2021-07-19 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: MA

Complaint narrative:
Submitted a dispute to Equifax about incorrect information reported from XXXX XXXX on my credit report and they updated the account with information that I still owe XXXX money. I tried to submit a new one and it was rejected. XXXX XXXX is reporting a repossession/charge off on this account and that is incorrect because I paid off the account and still have the vehicle. XXXX XXXX has yet to send me my vehicle title and it has been over 3 months now. XXXX  still has incorrect information on my credit that is destroying my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Submitted a dispute to Experian about incorrect information reported from XXXX XXXX on my credit report and they updated the account with information that I still owe XXXX money. I tried to submit a new one and it was rejected. XXXX XXXX is reporting a repossession/charge off on this account and that is incorrect because I paid off the account and still have the vehicle. XXXX XXXX has yet to send me my vehicle title and it has been over 3 months now. XXXX  still has incorrect information on my credit that is destroying my credit.

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 2021-07-19 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX 1995 ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc.
State: MD

Complaint narrative:
Better.com is advertising 15 year refinance interest rates on XXXX at lower pricing than what they are actually able to offer me as a consumer. I entered in all of my information accurately ( zip code, property value, loan amount, credit score, loan term, occupancy status, property type, etc ) and then when you get redirected to Better.com they are only able to offer worse pricing ( higher interest rate, more points, higher APR ), this is a clear example of bait and switch advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Ive contact your office along with all three credit bureaus Trans Union, XXXX  and XXXX  about the account named XXXX. On or around XX/XX/2021 it was removed from XXXX  and XXXX  but so some reason Trans Union is still reporting incorrect information which is in direct violation of the 15 USC 1692. Trans Union also keeps contacting me via post card stating person statements about my request to dispute this information which again is direct violation to 15 USC 1692 validating my right to privacy. 

Please have this item removed from credit report and also put them on notice that they are violating my right to privacy by sending post cards stating any of our business for whom ever hands and eyes can see and touch. 

also they are giving me hard removing name and addresses and employers that do not belong to be listed below 1. XXXX XXXX 2. employer ; XXXX  XXXX XXXX 3. employer : self employed

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 2021-07-19 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
Found a collection on my credit report for {$670.00}. No notification sent to me. This is alleged to relate to a hospital stay at XXXX XXXX. I have XXXX as well as XXXX XXXX at the time XXXX covered my hospital stay and my insurance covered the rest of the bill. This bill should be XXXX. 

I disputed the item snd Medical Data Systems responded it is accurate and IT IS NOT snd should be removed

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 2021-07-19 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: SC

Complaint narrative:
I have written Transunion again. And also I have called them. I have fraudulent inquiries on my credit report and they need to be removed ASAP. I filed an FTC report for them as well. Im also getting a police report filed.

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 2021-07-19 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: LEXISNEXIS
State: MI

Complaint narrative:
I have contacted Lexis Nexis on countless occasions and have not recieved any responses. They have failed to verify who furnished this information. I have contacted the courts directly and they state they do not furnish any information. This bankruptcy reporting needs to be deleted because it is unverifiable information according to FCRA.

I contacted Lexis Nexis o
n XX/XX/2021 And on XX/XX/2021 XXXX

Company response to consumer: Closed with explanation