vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
Ally Bank allowed more than {$1000.00} in fraudulent transactions to occur on an old checking account debit card that should have been deactivated more than a year ago. This wiped out my balance in a few hours and will take weeks if not months to fix. All due to Ally 's careless mistake.

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 2020-12-03 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: CA

Complaint narrative:
There are a few items reporting on my credit report that does not belong to me. Please remove the following items from my credit file. I have since contacted an attorney because Equifax and XXXX has failed to respond to my dispute and it has been more that 90 days since I disputed the following items. 

XXXX Loan - Bal : {$0.00} ( Equifax Only ) XXXX XXXX - {$1100.00} ( XXXX & Equifax )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capital One, is reporting inaccuracies, amounts and now False Representation of the debt, on a closed/charge off account. I already have a CFPB complaint on file. However in new light, I've been receiving excessive phone calls. My family members and friends from coast to coast, have received calls from the same company. I received messages that it was the SBA, which I was under the impression it was the Government agency for Small Business Association. I called the representative Mrs. M ... who identified herself as SBA Agent. After a moment on the phone she then identified herself as a investigator that was hired by Capital One to find me. She stated that she's been trying to locate me for the debt I owe to Capital One. I don't know this company, I've NEVER heard of them nor do I owe them anything. Capital One has never mentioned them on the phone, by mail or my credit file. 

INACCURACIES REPORTING : ALL 3 BUREAUS different balances different closed/charge off dates different date of last payments dates different account numbers posting past due balance posting late payments ( monthly ) increasing balance ( monthly ) activity after closed dates, today also XX/XX/2020 FCRA VIOLATIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 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: TX

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and fradulent accounts that are on my credit reports. It has been over 45 days and I have not received a response from the credit bureaus. At this point I feel like I am being taken advantage of and my disputes are being ignored. Section 611 ( a ) clearly states that failure to investigate these items in 30 days gives a reason to immediately remove these items from my credit reports. It has been over 45 days so they should be deleted. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten my info into the hands of the wrong person. 
The accounts I am referring to are : XXXX XXXX XXXX {$0.00}, XXXX {$5700.00}, XXXX at Midtown {$2300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: UT

Complaint narrative:
There is no selection for this, so I selected a random item from the list. 

I will not allow this company to collect additional information from me, but am willing to pay the amount owed. I have never received any letter communication from them so I do not have the account number. They are refusing to provide me the account number without agreeing to comply with their collection policies, which I do not have to do. I have repeatedly stated I will confirm my identity ( and have ) by providing my name and address, but will not agree to their collection terms because I am tired of collection agencies using that as an excuse to send me marketing information, or collect information they do not need to allow me to make payment. 

I have recordings of their employees refusing to provide me my account information to make that payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I received a Wells Fargo Bank Transfer statement in the mail. I called Wells Fargo and told them we had cancelled my application in XXXX 2020. I spoke to my bank credit card department and was told that the {$56.00} purchases and adjustments they charged me would be cancelled and there would be no balance transfer. I received a bank statement from XXXX XXXX  that Wells Fargo did a balance transfer. The amount was never discussed and I had not approved of this transter. I called Wells Fargo and was told there was nothing they could do, today, XXXX XXXX, 2020. 
I do not want Wells Cargo balance transfer. I told Wells Fargo unless I can get the entire amount {$2500.00} paid in a balance transfer, I would not agree to their transfer.

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 2020-12-03 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: NY

Complaint narrative:
I have been a victim of identity theft my identity has been stolen and used to open several fraudulent accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 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: NY

Complaint narrative:
I have been a victim of identity theft my identity has been stolen and used to open several fraudulent accounts

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 2020-12-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Hello There, I used to have a checking account and a secured credit card with Wells Fargo. I was not happy with the way Wells Fargo was handling my account and I decided to close all my accounts with Wells Fargo. 

I open the secured credit card as I was advised by Wells Fargo employee that will help me open my credit ; I have never had a credit card before and I open the secured credit card at their advised. I deposited XXXX and received a secured credit card. 

Sometime om 2017 when I close all my Wells Fargo Accounts at the bank the Banker that helped me closed the accounts even took my secured credit card and clipped she also said that I would not need the card since I was closing my accounts. 

Time went by and I applied for a mortgage and discovered that the card was showing on my report as open and reporting derogatory information on my credit report I hired an attorney to help me clear my credit and they made Wells Fargo return my security deposit however even though Wells Fargo acknowledge that they did not acted in a fair manner towards me. ; They still to this date have not clear the derogatory information on my credit. I called the executive office to put a complaint and the lady that took my call did not know anything about secured credit cards, she did not understand my concern and I have asked for a supervisor she said that she will escalate my concern. 
Weeks passed by and I received a letter from Wells Fargo telling me that after all this years they still need time to resolve my concern.

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 2020-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: MN

Complaint narrative:
Starting back in XXXX I have been receiving calls from Midland Credit looking for someone named XXXX XXXX. I do not know this person, nor do I know anything about the supposed debt they owe but I have asked twice now for Midland Credit to remove me from their contact list as I'm not the person they're looking for ( most recently I asked them to remove me today XX/XX/2020 ) and they are still calling me multiple times a week. Usually they call and when I answer they immediately hang up. I call back, most of the time I get a recording that states the number is not in service. The phone number I was able to call back that worked was XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 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: MS

Complaint narrative:
XXXX XXXX  reported me 30 days late in XXXX/XX/XX/2020. I contacted the company about the credit reporting of 30 days late. They informed me that they never reported me 30 days late. Despite them denying the fact that they reported me 30 days late in XXXX /XX/XX/2020, my credit report still reflects 30 days late in XXXX/ XX/XX/2020. Also, I filled out a credit dispute on the 30 days late with TransUnion, XXXX, and XXXX. My credit reports reflect that dispute was resolved, yet I still have 30 days past due showing on my credit report for XXXX/XX/XX/2020. This issue never was resolved. 
My credit score dropped over 60 points from this misreporting/ error on my credit report. I'm suffering greatly from this misreporting and have been denied for car refinance loan and debt consolidation loan due because the 30 days past due and my credit score dropping over 60 points. Lastly, I contacted XXXX in XXXX and XX/XX/2020 via phone and letter. I never received any correspondence from the letter to XXXX at all.

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 2020-12-03 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: EQUIFAX, INC.
State: MS

Complaint narrative:
XXXX XXXX  reported me 30 days late in XXXX/XX/XX/2020. I contacted the company about the credit reporting of 30 days late. They informed me that they never reported me 30 days late. Despite them denying the fact that they reported me 30 days late in XXXX /XX/XX/2020, my credit report still reflects 30 days late in XXXX/ XX/XX/2020. Also, I filled out a credit dispute on the 30 days late with XXXX, Equifax, and XXXX. My credit reports reflect that dispute was resolved, yet I still have 30 days past due showing on my credit report for XXXX/XX/XX/2020. This issue never was resolved. 
My credit score dropped over 60 points from this misreporting/ error on my credit report. I'm suffering greatly from this misreporting and have been denied for car refinance loan and debt consolidation loan due because the 30 days past due and my credit score dropping over 60 points. Lastly, I contacted XXXX in XXXX and XX/XX/2020 via phone and letter. I never received any correspondence from the letter to XXXX at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
XXXX XXXX  reported me 30 days late in XXXX/XX/XX/2020. I contacted the company about the credit reporting of 30 days late. They informed me that they never reported me 30 days late. Despite them denying the fact that they reported me 30 days late in XXXX /XX/XX/2020, my credit report still reflects 30 days late in XXXX/ XX/XX/2020. Also, I filled out a credit dispute on the 30 days late with XXXX, XXXX, and Experian. My credit reports reflect that dispute was resolved, yet I still have 30 days past due showing on my credit report for XXXX/XX/XX/2020. This issue never was resolved. 
My credit score dropped over 60 points from this misreporting/ error on my credit report. I'm suffering greatly from this misreporting and have been denied for car refinance loan and debt consolidation loan due because the 30 days past due and my credit score dropping over 60 points. Lastly, I contacted XXXX in XXXX and XX/XX/2020 via phone and letter. I never received any correspondence from the letter to XXXX at all.

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 2020-12-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ACIMA CREDIT, LLC
State: FL

Complaint narrative:
On XX/XX/2020, I purchased a used refrigerator from XXXX XXXX  and obtained a rent to own lease from Acima Credit. I have been making bi-weekly payments to Acima since about a week or two after that date. I have the option to pay the total amount off within 90 days, in order to avoid having to pay any interest. That was what I intended to do. On XX/XX/2020, I determined that the refrigerator was not working. I contacted XXXX XXXX  and was advised that the item had only a 30 day warranty, which had since expired. I contacted an appliance repair person and paid him {$40.00} to have the problem diagnosed. He determined that the fan motor was not working. The following Monday, he attempted to find a replacement part, but was made aware that it could take as long as 30 days to obtain this part. On Saturday, XX/XX/2020, I contacted Acima and was told that I could terminate the contract and have the refrigerator picked up. I decided to wait until Monday, to find out about the status of the part. When I was informed by the repair person that the part could not be obtained for possibly 30 days, I contacted Acima ( on XX/XX/2020 ) to initiate termination of the contract. I was asked to provide photographs of the item, which I did. Now Acima wants me to pay {$270.00} for a non-working refrigerator. This makes no sense to me. I want Acima to either pick up the refrigerator ( Acima does not want to because it is not working ) or allow me to junk it and terminate the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
After reviewing my credit profile on XX/XX/2020 I identified a discrepancy with an account listed under Creedence Resource Management and validation was requested on XX/XX/2020. On XX/XX/2020 I reviewed my credit profile again as Creedence Resource Management had not responded nor was the account reflected as disputed. Therefore a 2nd validation request for the account was sent out on XX/XX/2020. Credit report was reviewed again on XX/XX/2020 and the account was still reflecting on my report and I do not believe the account belongs to me nor that the creditor has authorization to legally to attempt to collect on this account and the account continues to negatively affect me. Please strike and remove the account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and that all information is correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/20 I deposited XXXX In a atm in XXXX az. That same day three atm unauthorized transactions were done totaling XXXX than XXXX at a XXXX XXXX then a XXXX XXXX, XXXX and XXXX transactions unauthorized as welll.I had thought I lost my card the day before I figured I left it at home. On Sunday in order to pay my crew I XXXX XXXX XXXX and became overdrawn thats when I knew something happened. I emailed chase bank locked my card and followed up with a phone call. Only to be rejected disrespected and basically put of business from this ordeal. I was always redirected hung up on and that is after waiting on phone for 30 minutes .Ive been put out of business my insurance for my business has canceled Ive defaulted on my loans I was averaging XXXX to XXXX XXXX dollars a month now Ive been negative for weeks cant even cash checks for jobs Im on now.the chase agreement says zero liability for unauthorized transactions I feel I have been mistreated right from the start because of my race I dont know what else to do Im losing a flourishing business and chase bank has done absolutely nothing in regards to my claim they did reimburse the XXXX XXXX transactions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: NY

Complaint narrative:
I called Amsher Collection Services when I noticed this on my credit report. They said it had been sold to XXXX XXXX. This is fake debt and it is fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: APPLE FINANCIAL HOLDINGS, INC.
State: NY

Complaint narrative:
Apple bank branch on XXXX XXXX and XXXX XXXX has closed for the 3rd time In the past few months. 
They already are operating absurd short hours and now they are closing again using Covid-19 as an excue. 
These repeated closures and reduced hours are making it extremely difficult for myself and other elderly citizens who Bank their regularly during this pandemic. It's uncalled for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: First National Collection Bureau, Inc.
State: TX

Complaint narrative:
This number is calling me at work and they should not be calling me. The number is from a First National Credit bureau and every-time i try to say to stop calling it hangs up. This is a work phone and they should not be calling me at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Choice Recovery, Inc.
State: GA

Complaint narrative:
Credit monitoring service notified me of a collect account added to my credit file for {$41.00} from Choice Recovery Inc. We do not know why or how Choice Recovery posted this information to my credit file is a violation of the FCRA class action settlement

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
on XX/XX/2020 a chair was purchased from XXXX in brown from the online order entry Order confirmation indicated a black chair was shipped. They were immediately advised -- Correct ( brown ) chair shipped and paid for. Order tracking indicated initial black chair rerouted to a XXXX return center. We never ordered or received the black chair. 
We have gone through multiple dispute resolution rounds with Bank of America ; they refuse to credit, in fact, are now charging interest. 
We have a large volume of documentation supporting our claim, however XXXX  ( XXXX XXXX XXXX  ) refuses to credit. We did not reroute the first chair, nor have any idea on its disposition by XXXX 's shipper We would like this credit applied and all interest waived

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