vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have a card with capital one.My wife also is a account holder on this card.We purchased a pair of boots from a merchant called the XXXX XXXX.We received the boots and the co sent two left boots instead of a right and left.We made multiple attempts to this co to send the boots back but couldn't get any one to respond to ours calls.The phone would say this callers mailbox hasn't been setup.We also tried to send them a email on XXXX different attempts but got no response.We called our credit card co capital one and asked to do a chargeback for XXXX purchase in the amount of $ XXXXCapital one granted the chargeback on XX/XX/XXXX for $ XXXXThe merchant finally responded 10 days later and asked for pictures of the two left boots.I sent 7 pictures.The merchant said they couldn't tell by the pictures that I sent and That I need to send pictures of the boots side by side so the could see the heels.I did as the merchant requested.The owner of the store agreed the boots were defective.He sent this in a email but wanted me to remove the chargeback.This is 15 days later.I told him the matter was closed.I also offered to send the two left boots back but the merchant didn't want them do to having to pay shipping.I still have the boots.I noticed on XX/XX/XXXX the {$67.00} appeared back on my card and I was now being charged again for the defective boots.I called capital one and they told me the merchant told them the correct boots were sent.I faxed capital one a copy of the email that the owner of the XXXXXXXX XXXX sent me stating the boots were defective and a picture of the boots.The XXXXXXXX XXXX didn't send a invoice in the boot box but capital one told me that I had to fax them a letter stating no invoice was in the box.I did as requested.Capital one is now telling me that I need to take the boots to another boot co and get a written statement from another boot co stating that I have XXXX left boots and send them this written statement. I have never heard of such a request nor does it make any sense to me why I should have to do this last request.My case # is XXXXMy card number ends in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: ADP Inc.
State: FL

Complaint narrative:
On XXXX XXXX @ XXXX, I logged into my my wisely card account unlike any normal day of each month, to notice my account was inactive.I wasnt notified via email nor by phone from this company to let me know about this issue.I have my Social Security benefits to be direct deposit to my wisely card to pay my rent and bills each month. This company made that impossible for me to pay Merchants for other sources this month ; to keep me and my XXXX XXXX XXXX son homeless.I went into my local Social Security administrative of me not receiving my benefits today, and that Wisely card customer service is claiming they havent received any SSDI payment for me. Social Security administration said that money was deposited into the wisely bank and that is showing from the treasury that it was sent off to Wisely bank.Call Wisely spoke with the supervisor she was no help {$1000.00} was on my card {$700.00} Wisely claiming they didnt receive any from Social Security administrator when I seen a pending before I seen my account was inactive. They change my debt card it different from the card I used.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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: CA

Complaint narrative:
15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions Equifax has reported incorrect information on my credit report. There are several accounts that are associated with the bankruptcy that is showing on my credit report that needs to be removed. I have included a PDF that shows everything highlighted that needs to be deleted. Also Incorrect names and addresses

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USU 1681 Account Name : XXXX XXXX XXXX XXXXXXXX ; Account Name : XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any other adverse items of information other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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 non-monetary relief
Consumer complaint received 2022-11-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc.
State: MN

Complaint narrative:
I have a situation where I was promised {$10000.00} by a XXXX trader on XXXX if I invested money on a website and later on they would double it for me but as the trader continued to send more money I was left at a point where I didnt want to so I decided to ask for my money back which was {$3800.00} and at that point the trader refused and continued to state that the only way I can get my money is if I send more so Im left at a point where I dont know what to do, I have further details about my situation attached in the documents I attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
My landlord garnished my bank account in XXXX after winning a {$54000.00} money order in Supreme Court for arrears that he created by refusing rent ( he's been trying to evict me and my children since COVID started ). We also qualified for XXXX relief and he has been paid in full through that relief fund but continues to hold my account. Under the Exempt Income Protection Act of XXXX XXXX, I submitted an exemption claim form stating all the money in my account was money I earned in the 60 days prior to the garnishment, 90 % of which is exempt. His lawyers filed an objection. The hearing on their objection was delayed to XX/XX/24 and the judge has not ruled on the motion. The bank has not released my account even though according to the XXXX they are required to do so after 21 days if they have not been instructed otherwise by the court, regardless of any continuing court action. Additionally we received a temporary restraining order from the court that required the release of my account and the bank has ignored that as well. My account has been held illegally for more than 100 days.

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 2022-11-03 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: TX

Complaint narrative:
Dear Sir or Madam : I am writing this letter to request the deletion of inaccurate information I have discovered on my credit report. 

The reference listed under XXXX XXXX, was original XXXX XXXX account is inaccurate and based on CFPB findings, this is due to fraud and identity theft as the full outstanding amount was paid directly to XXXX XXXX. XXXX XXXX should not be reported or shown on my credit because it is inaccurate, and I do not have any legal reseason to be on my credit. Since this fraud and inaccurate report by XXXX  XXXX, I request that this inaccurate account be deleted because it is hindering my life as it is negatively impacts me and it violates my rights. 

Enclosed you will find a CFPB letter after they researched my complaint and found that it was indeed a fraud, including the amount paid directly to XXXX XXXX, so XXXX XXXX  does not have any reason to be on my credit report and must be deleted and removed from my report as stated under 15 U.S.C 1681 Section 602 A States I have the right to privacy. 
In accordance with the fair Credit Reporting act XXXX Account XXXX XXXX XXXX, has violated my rights as it is a fraud account, and it is also paid and should be deleted from my credit report. 

Please evaluate this information and delete this fraud/paid account from my credit file as you see fit. 

Sincerely, Signed XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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 — Their investigation did not fix an error on your report
Company: T.S. Holdings
State: IL

Complaint narrative:
XX/XX/2021 {$2600.00} original {$2800.00} balance... I have sent them two rounds of letters asking for them to provide the original contract with my signature or delete the info. They have not provided to correct documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
I got out of Bankruptcy in XXXX of this year. I contacted Navient in XXXX to see if we can come up with a fair payment I can make monthly. I was told no they stated I was in default before I went into Bankruptcy and they are wanting payment in full. I was contacted again in XXXX and I was told they wanted to get rid of the debt and offered me a settlement of XXXX. I tried to borrow the money with a co-signer and was unsuccessful. Now Navient has contacted my employer and my family members leaving messages for me. This is causing me to have XXXX XXXX every time my phone rings. I really want to make a fair arrangement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act, 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I don't recognize XXXX XXXX XXXX which shows on my account as a Collection. 
I will like to request an original loan agreement I signed with XXXX XXXX XXXX showing the following 1, my signature and that of XXXX XXXX XXXX as proof I borrowed money from them because I don't recall borrowing money from them 2, amount borrowed and payment history 3, proof they are legalized to collect debt in the state of Florida. 
if this can't be provided then I request the collection be taking off my account or I will take legal actions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I reached out to XXXX XXXX concerned about an alleged public record listed on my consumer report on XX/XX/2022, couple of months later received an envelope containing a link and PIN number to access my updated report which allegedly showed the bankruptcy being unverifiable and therefore removed, I contacted them shortly after and they told me they were to communicate to the mayor credit bureaus of the changes and today XX/XX/2022 just found out that they still havent reached to XXXX, XXXX and Transunion further more I learned that they are still housing the XXXX XXXX XXXX in a unverified account department. This company continues to violate the laws, my rights as a consumer and not being held accountable for the inconvenience and damages being inflicted.

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 2022-11-03 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I reached out to XXXX XXXX concerned about an alleged public record listed on my consumer report on XX/XX/2022, couple of months later received an envelope containing a link and PIN number to access my updated report which allegedly showed the bankruptcy being unverifiable and therefore removed, I contacted them shortly after and they told me they were to communicate to the mayor credit bureaus of the changes and today XX/XX/2022 just found out that they still havent reached to Experian, XXXX and XXXX further more I learned that they are still housing the XXXX XXXX XXXX  in a unverified account department. This company continues to violate the laws, my rights as a consumer and not being held accountable for the inconvenience and damages being inflicted.

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 2022-11-03 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: TX

Complaint narrative:
Dear Sir or Madam : I am writing this letter to request the deletion of inaccurate information I have discovered on my credit report. 

The reference listed under XXXX XXXX, was original XXXX XXXX account is inaccurate and based on CFPB findings, this is due to fraud and identity theft as the full outstanding amount was paid directly to XXXX XXXX XXXX XXXX should not be reported or shown on my credit because it is inaccurate, and I do not have any legal reseason to be on my credit. Since this fraud and inaccurate report by XXXX  XXXX, I request that this inaccurate account be deleted because it is hindering my life as it is negatively impacts me and it violates my rights. 

Enclosed you will find a CFPB letter after they researched my complaint and found that it was indeed a fraud, including the amount paid directly to XXXX XXXX, so XXXX XXXX does not have any reason to be on my credit report and must be deleted and removed from my report as stated under 15 U.S.C 1681 Section 602 A States I have the right to privacy. 
In accordance with the fair Credit Reporting act XXXX Account XXXX XXXX XXXX, has violated my rights as it is a fraud account, and it is also paid and should be deleted from my credit report. 

Please evaluate this information and delete this fraud/paid account from my credit file as you see fit. 

Sincerely, Signed XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2022 I filed a dispute with all three bureaus : XXXX, Trans Union and XXXX involving a Parent Plus Loan for {$1600.00} with XXXX for XXXX XXXX that was fraudulent. All bureaus responded back that the merchant validated the dispute by verifying my name and address solely, which is not a thorough investigation of any kind especially considering that with fraud that information is already knowledgeable to the person or body committing this offense. At no point did they cease the reporting of the erroneous information until a thorough investigation was completed mainly due to the fact that they failed to conduct a proper investigation. I provided all bureaus with tangible proof and information, and they still failed to investigate what was being reporting to them as well as refuse to remove the negative marking as well.

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 2022-11-03 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: GA

Complaint narrative:
On XX/XX/2022 I filed a dispute with all three bureaus : XXXX, XXXX XXXX and Equifax involving a Parent Plus Loan for {$1600.00} with XXXX for XXXX XXXX that was fraudulent. All bureaus responded back that the merchant validated the dispute by verifying my name and address solely, which is not a thorough investigation of any kind especially considering that with fraud that information is already knowledgeable to the person or body committing this offense. At no point did they cease the reporting of the erroneous information until a thorough investigation was completed mainly due to the fact that they failed to conduct a proper investigation. I provided all bureaus with tangible proof and information, and they still failed to investigate what was being reporting to them as well as refuse to remove the negative marking as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
Received phone call today XX/XX/XXXX from XXXX XXXX stating they are litigation office and trying to resolve a debt that I took out with Allied Cash Advance back on XX/XX/XXXX or XX/XX/XXXX I received two different dates from two different people. I don't recall this payday loan and plus I never received a letter in the mail. They called me from a local number XXXX. My Reference # is XXXX. The first call the lady was rude stating they are going to take me to court if not paid, then hung up on me once I said I don't recall this loan. I called back and spoke to a XXXX XXXX XXXX. They knew all my information and plus I confirmed it over the phone. I told him I never received a letter in the mail he stated they mailed it out on XX/XX/XXXX, in which I told them I never received because I go through ever piece of mail. I also stated that I was not going to make a payment over the phone if I don't know who exactly I'm talking to. He asked for my email address and said he would email me the letter through XXXX  He also could not confirm where I took this loan out. I feel this is a SCAM. I called Allied Cash Advance corporate number XXXX, they confirmed that I was never in there system. I fell this is a fraudulent call and I would like it to be alerted plus I don't want no negative action on my credit report.I looked up this company 's name on the internet and all I'm reading is that it's a SCAM don't give them your money. I'm willing to pay my debt if this is legitimate. I'm trying to build my credit at this time and don't want no fraudulent activity. Please help me detect if this is real company or not?

Company response to consumer: Closed with explanation