vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-25 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: NV

Complaint narrative:
These are not my accounts listed. I don't have any medical debt, nor did I go to any doctor. Additionally, these medical companies supplying data to the the bureaus is in complete violation of the fair credit reporting act. I am not a credit repair company nor a mortgage company, but looking at the laws, I know this is a violation. Please remove them immediately. This also applies to the inquiries that are listed in this report as I did not authorize these companies to run 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 2020-11-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Riverwalk Financial Corporation
State: TN

Complaint narrative:
I found out that the company XXXX XXXX XXXX XXXX that financed my vehicle was involved in a Class Action lawsuit with XXXX. I received a postcard staying I was included in the lawsuit and would receive but not limited to loan forgiveness, defienciency waiver, and/or monetary payment. This debt was purchased by a collection company ( Deville Asset Management ) was also sued and shut down for unfair practices in loan collections. I was sued by Deville Asset Management who used law office XXXX, XXXX, XXXX XXXX  XXXX to collect on the debt. I recently furnished the law offices all documentation showing the lawsuits and how I was part of the settlement and also Notified them that Deville Asset Management closed down, which no notification was sent to me yet they continued to collect payments from me. Now they're saying I still owe the debt and another company bought it from Deville. I haven't received any paperwork from this new collection agency and I've disputed this debt due to the judgement of the class action lawsuits.

Company response to consumer: Untimely response
Consumer complaint received 2020-11-25 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XXXX. XXXX, 2020, WELLSFARGODEALERSVCS add a hard inquiry on my credit report perXX/XX/XXXX 
On XXXX. XXXX, 2020, XX/XX/XXXXadd a hard inquiry on my credit report per XX/XX/XXXX 
On XXXX. XXXX, 2020,XX/XX/XXXXXXXX add a hard inquiry on my credit report per 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 explanation
Consumer complaint received 2020-11-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: PA

Complaint narrative:
On XX/XX/2019 coinbase attempted to steal $ XXXX+ from my bank account due to a bizarre app glitch. However only {$2300.00} were available, which was stolen. I have been trying to get my stolen value for over a year now. No response. This is a criminal  organization. Please help me. I am contacting news outlets. 

Do not do business with coinbase. Com. This is an illegal front for illegal activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I have been trying to settle this debt with Cach for several months now ( from XX/XX/2020 to present ) and all I get is the run around from them. The debt is in the amount of {$2700.00}. There was a good offer of 50 % but I didn't take because I was short of funds. Then they asked for 70-80 %. WHY????. Do they just scam people and offer one thing then would you tell them you are short funds they ask for more money. If I can't afford it at 50 % what in the XXXX makes them think I can at 70-80 %. I'm offering a deal at 40 % which would be {$1000.00} and is more then fair. This is best and final!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 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: NC

Complaint narrative:
There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/2020 and I never received any reply. I then sent a follow-up dispute on XX/XX/2020. It is now XX/XX/2020 and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes. I know that data was released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. XXXX, XXXX and Equifax must be held accountable and to the standards clearly outlined in the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I received an alert from my bank that my credit rating changed. I looked at my report and saw there was a drop of 104 points from XXXX to XXXX on my credit score. The statement showed the negative report came from XXXX XXXX Barclays Bank Credit Card. I placed a block on my Barclays XXXX XXXX  credit card back in XX/XX/2020 during the Covid Pandemic. On XX/XX/XXXX XXXX  Yearly Plan my security system charged Barclays credit card for {$90.00}. I contacted XXXX XXXX and advised them on XX/XX/2020 that this charge should not have gone through because the card was blocked. XXXX indicated they would reverse the charge and put the charge on my XXXX XXXX XXXX. XXXX  I found out today only credited back to Barclays {$82.00} rather than the {$90.00} stating that it was prorated for two days. I never once received a bill for {$7.00} which now turned into XXXX. XXXX XXXX sent me an email verifying our conversation on XXXX XXXX, 2020 which I will attached below. Also, I spoke with a supervisor at BarclayXXXX who apologized for the error stating " I see you spoke with an agent in XX/XX/2020 and requested to have your card blocked '' she further states " we are sorry for your inconvenience and will notify credit agencies on XX/XX/2020 to remove the negative report. I said that's much to long to wait. XXXX the supervisor said " we only report to credit agencies once a month ''. I am so upset I have never been late on a payment my entire life and to have my credit score drop 100 points for Barclays error is horrible. Please rectify this error as soon as possible. Thank You, 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 2020-11-25 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Pulled my credit report on equifax, there is a late payment from XXXX XXXX  credit card in XXXX, which i do not have. 
I closed the acct years back so there should be no reason the late payment would show up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 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: NV

Complaint narrative:
These are not my accounts listed. I don't have any medical debt, nor did I go to any doctor. Additionally, these medical companies supplying data to the the bureaus is in complete violation of the fair credit reporting act. I am not a credit repair company nor a mortgage company, but looking at the laws, I know this is a violation. Please remove them immediately. This also applies to the inquiries that are listed in this report as I did not authorize these companies to run 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 2020-11-25 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: NV

Complaint narrative:
These are not my accounts listed. I don't have any medical debt, nor did I go to any doctor. Additionally, these medical companies supplying data to the the bureaus is in complete violation of the fair credit reporting act. I am not a credit repair company nor a mortgage company, but looking at the laws, I know this is a violation. Please remove them immediately. This also applies to the inquiries that are listed in this report as I did not authorize these companies to run my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 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: M&T BANK CORPORATION
State: TX

Complaint narrative:
On XXXX. XXXX, 2020, XXXX  add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2020, M & T BANK INDIR add a hard inquiry on my credit report per 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 2020-11-25 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: TX

Complaint narrative:
On XX/XX/2020, XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, FIFTH THIRD BANK add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per TransUnion.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/2020 and I never received any reply. I then sent a follow-up dispute on XXXX XXXX, 2020. It is now XX/XX/2020 and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes. I know that data was released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. TransUnion, XXXX  and XXXX  must be held accountable and to the standards clearly outlined in the FCRA.

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 2020-11-25 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: NC

Complaint narrative:
There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XXXX XXXX, 2020 and I never received any reply. I then sent a follow-up dispute on XXXX XXXX, 2020. It is now XX/XX/2020 and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes. I know that data was released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. XXXX, Experian and XXXX  must be held accountable and to the standards clearly outlined in the FCRA.

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 2020-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: NY

Complaint narrative:
I received mutilply calls from a collection agency I answered and was told this is attempt to collect debt I advise I would no longer want to receive calls from this company contact me through mail only and I need a validation letter of debt sent to my current address I havent received the letter nor have the calls stopped the debt is still on my credit report negatively impacting me and slowing down my house search progress in such a hard time with my lease end date approaching and pandemic rising in my area I need this to be remove immediately! Thanks so much for your help

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 2020-11-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Massachusetts Educational Financing Authority
State: MA

Complaint narrative:
The company is refusing to give me my copy of the XXXX for XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 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 sent a total of three letters to TransUnion in reference to accounts listed on my credit report asking for verification. They do not comply with the information requested in my letters to verify the accounts and they do not delete the accounts that they claim to verify. 

Letter Number 1 was sent on XX/XX/2020 Letter Number 2 was sent on XX/XX/2020 Letter Number 3 was sent on XXXX XXXX, 2020. 

I have copies of all three letters that I have sent in addition to return receipts that were requested with each letter.

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 2020-11-25 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I would like assistance disputing several transactions on my account. I did not realize that I could do this and after filing a complaint with the Attorney General I have been advised that my recourse is to go through my bank. I have contacted XXXX  XXXX and been refunded in full but Wells Fargo on teh other hand does not seem to be as helpful so I am turning to you for assistance since I get nowhere when calling. To make a long story short, last year after watching a video on my XXXX feed about a guy who had quit his job because of this program. After speaking to the people I was assured this as a no-risk program and not to worry they will help every step of the way The first payment to XXXX  XXXX  XXXX, XXXX showed on my statement as XXXX  *XXXX  for XX/XX/19 {$590.00}. They also go by the aliases XXXX, XXXX, and XXXX  XXXX, XXXX. Under these aliases on XX/XX/19, I paid {$12000.00} from my Wells Fargo checking account check # XXXX. While I begin sourcing items through XXXX XXXX told I need to have services from XXXX XXXX XXXX for {$8000.00} on XX/XX/19 and then was contacted by a company named XXXX asking for {$4000.00} for tax services they reduced this fee to {$350.00} and never did anything for this payment. Then comes XXXX XXXX  XXXX  who I have already filed an Attorney General Complaint for they were to handle the business end of things and marketing over a weeks time from XXXX I am charged various charges totaling {$9800.00}. Then XXXX XXXX? Charges me {$20.00} and finally, as the company named XXXX XXXX on XX/XX/19 charges me {$2200.00} and another {$2000.00} that was supposed to be for a video and teaching or helping me use Social Media. I am sickened on how things snowballed from a desire to earn an income from home to basically being swindled out of {$35000.00}. These companies completely took advantage of me, they led me to believe I would be making all kinds of money with little effort. Nothing could be further from the truth this seems more like a well-concocted scheme that is meant for failure and I have ever since discover that there is a government injunction on one of the companies. I am pleading to you for assistance in having Wells Fargo help me with at minimum the transactions that were on my card ending in 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 2020-11-25 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: CA

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

The below listed accounts by the Original  Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 


XXXX XXXX {$8900.00} 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 2020-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
On Friday, XX/XX/2020 I went to Capital One Bank located at XXXX XXXX XXXX XXXX, XXXX, LA XXXX. I wanted to do a deposit in store at the branch, however, they were temporarily closed that day. At XXXX XXXX  I decided to deposit a total of {$270.00} cash into the atm, which I do not like doing. The atm prompted me if I would like a receipt, I selected yes. After putting in my money ( which were less than 50 notes ) the machine spit out some bills it would not accept. I was expecting my deposit to show {$220.00} and a receipt to print. However it did not, and a message displayed, your funds have been retained. I immediately checked my checking account online to see if the deposit reflected, it did not. I proceeded to put my card again into the ATM to check my balance there, however it did not reflect also. Since the branch was closed, I decided to call the 1- 800 number on the back of my debit. I filed a claim and told him my concern and they said I would receive a provisional credit. It still has not displayed a credit nor have I received a call from Capital One. After 17 years of being a customer I find this ridiculous. All of their ATMs have a camera and should have a log of what each transaction and user has done. I should not have to wait and he shorted {$220.00} before XXXX!!! The customer service agents portray no empathy and lack of service. I will be closing my account as soon as this resolved if it ever will!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BARCLAYS BANK DELAWARE
State: OR

Complaint narrative:
The company took my information and thanked me for my time saying debt was discharged.

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