vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-31 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Credit Systems, L.P.
State: VA

Complaint narrative:
Originally I was dissatisfied with service from XXXX internet service. Could never get anyone on phone. Eventually stopped paying. They sent it to collection with Southwest Credit. I wrote to XXXX XX/XX/XXXX explaining. Contacted Southwest Credit XX/XX/XXXX and we negotiated and I paid agreed amount. Now do not owe anything but Southwest Credit refuses to clear me resulting in a poor credit score as they have a " no deletion policy ''. This is bogus because although the account has been cleared this sits out there affecting my credit score and I want to refinance while rates are low. I am being adversely punished for something that has been taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
4 years on years this company has been harassing me with medical bills that do not belong to me the latest one at {$10000.00} medical bill that is absolutely named to a company that doesn't exist and any directory or any corporate Ledger XXXX XXXX XXXX XXXX XXXX 's is a new name for some other entity they probably made up to continue to XXXX and honestly get away with extortion. XXXX XXXX XXXX does not think of themselves as having to comply with any laws that the XXXX peep without there nor the fcra or congress. There are giant criminals with thousands of complaints across the internet and we continue to let them do business. this latest piece of extortion opened XX/XX/2020 is with a company I've never heard of nor have anything to do with or have signed any bill or promise to pay

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 2021-01-31 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: CA

Complaint narrative:
4 years on years this company has been harassing me with medical bills that do not belong to me the latest one at {$10000.00} medical bill that is absolutely named to a company that doesn't exist and any directory or any corporate Ledger XXXX XXXX XXXX XXXX XXXX 's is a new name for some other entity they probably made up to continue to XXXX and honestly get away with extortion. XXXX XXXX XXXX does not think of themselves as having to comply with any laws that the XXXX peep without there nor the fcra or congress. There are giant criminals with thousands of complaints across the internet and we continue to let them do business. this latest piece of extortion opened XX/XX/2020 is with a company I've never heard of nor have anything to do with or have signed any bill or promise to pay

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I receive unemployment benefits. Bank of America card services supply cards for those people receiving such benefits. On XXXX XXXX I called the card services to let them know I had fraudulent activity on my account.XXXX XXXX my card was closed. Received a letter a week later stating my account was closed, contact your sponsor. 
I contacted my sponsor, emailed all my identity documents. Received a phone call on XXXX XXXX from unemployment stating that they emailed Bank of America saying to open account. Weeks of speaking to BOfA telling them unemployment sent documents needed to open my case. Still not open. Second email send on XXXX XXXX, stating to open case. Been told so many different stories from card holder. Still no money. They owe me money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-31 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ZuntaFi Corp
State: MI

Complaint narrative:
On XXXXa company called ZuntaFi said I had a coborrower requesting a payment of {$90.00} to be deducted from my bank account. 
On XX/XX/21 ZuntaFi indicated fake tax documents were ready for me to download serviced at XXXX On XX/XX/21 I have reported this fake company to the local authorities and emailed them back to please stop harassing me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Background report stated that a former name of mine was previously XXXX XXXX. My mothers name is XXXX XXXX and I have no association with that name whatsoever and I want it removed from my 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 2021-01-31 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: VA

Complaint narrative:
Wells Fargo has an account charged off on my creit report showing that I owe {$440.00} updated to {$0.00}. As I lve stated before I did not open this account and I filed a police report. Wells Fargo and XXXX then sent me a document with a signature that is not mine! It is forged and fraudulent and I will not keep suffering from this Identity theft result! I need the company to show a video of me signing but upon me reading the verified letters the card was opened electronically. Ive never opened a card with this company EVER yet XXXX  is the only bureaus who would not take my police report serious If it was mine it would be paid!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-31 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: VA

Complaint narrative:
XXXX XXXX has an account charged off on my creit report showing that I owe {$440.00} updated to {$0.00}. As I lve stated before I did not open this account and I filed a police report. XXXX XXXX and Experian then sent me a document with a signature that is not mine! It is forged and fraudulent and I will not keep suffering from this Identity theft result! I need the company to show a video of me signing but upon me reading the verified letters the card was opened electronically. Ive never opened a card with this company EVER yet Experian is the only bureaus who would not take my police report serious If it was mine it would be paid!

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 2021-01-31 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
XXXX your XX/XX/XXXX response to CFPB XXXX : After careful review, we have determined your complaint includes a dispute of information appearing on your credit report. Consumer Relations will enter your dispute into our system and review all information and any additional documentation you provide to determine next steps. We may also need to contact the data furnisher to verify the current status of the account. If the item has been disputed previously and verified as accurate, we will review any new information you are able to supply to determine whether we can take action. Within 30 days, we will close out your dispute and advise you of the results in writing. If after the completion of our investigation you have questions regarding the results, we encourage you to contact the creditor ( s ) directly. The business name, address, and, if available, telephone number of the source ( s ) of information contacted in connection with your dispute can be found in the Investigation Results document sent at the conclusion of your investigation. If you need to dispute information on your credit report in the future, you may dispute directly with XXXX online at XXXX XXXX XXXX Should you have any further questions, please contact XXXX  ( XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, PA XXXX merely represents your insisted continuance of 194 day obstructions of fact and deliberate participation with NMACs fraud. 

Mr. XXXX was the lessee and intended transferor. I am the falsely alleged transferee. In response to Mr. XXXX misrepresentations I was pleased with NMACs XX/XX/XXXX denied lease transfer ; one of NMACs many written evidence denials being : From : XXXX, XXXX XXXX Sent : Friday, XX/XX/XXXX XXXX Subject : RE : XXXX XXXX Good Afternoon : I received a call back from Mr. XXXX because notes on the account say : RCVD TOL CONTRACTCONTRACT HAS EXPIRED XXXX..WILL HAVE TO START TOL PROCESS OVER AGAIN *SENT OUT CREDIT APPLICATION VIA REGULAR MAILXXXX I never received anything back and Mr. XXXX and I assumed that it would be okay for this to come in to usis there any way that we can just run this for Mr. XXXX? 

Thanks. 

XXXX XXXX XXXX Customer Service | NMAC | XXXX AS now requested by me in 91 separate written communications to NMAC and XXXX  since XX/XX/XXXX please return email a true copy of Transfer of Lease Agreement you allege to have been signed and duly executed by me ( transferee ) after XX/XX/XXXX including NMACs approval, date and title consent to this Transfer of Lease Agreement OR communicate by return email the non-existence of a true copy of Transfer of Lease Agreement signed and duly executed by me ( transferee ) after XX/XX/XXXX and immediate removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Capital one and XXXX accounts and credit reports and cards are delinquent and have been featured and used without my knowledge and it is affecting my credit score it was almost XXXX points until some charges were put on with out my knowledge I would like a fresh start and my credit report to be revised

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK
State: PA

Complaint narrative:
I, the consumer XXXX XXXX entered into a credit transaction sale in 2015 with DISCOVER CARD. I extended my credit to them by way of 15 USC 1602 using my social security number. This is a finance charge in which is the sum of all charges. DISCOVER is continuing to use abusive tactics trying to collect a debt that was already paid. I've sent three cease and desist and three Affidavits of Truth and DISCOVER refuses to stop contacting me in reference to a debt. This is also a violation of my federally protected consumer rights in which is 15 USC 1692. DISCOVER has also violated my privacy on several occasions by reporting my information to credit reporting agencies without my permission. DISCOVER has never given me an opportunity to opt out of being reported in which is in violation of 15 USC 6802. DISCOVER has caused me financial injury and has ruined my reputation in which is in violation of 15 USC 1681b. I want this harassment to stop immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I logged onto XXXX and filled out the COVID-19 request free weekly credit report page, as directed by the consumer.ftc.gov website. N
ot one of the 3 reporting companies, XXXX, TransUnion nor XXXX is able to supply me with the report online. 
The only option is to fill out a PDF form AND send copies of my personal information ( SSA card/Driver 's License ) etc through the mail. This is not secure, nor is it what is promised by the FTC. The FTC states that I can receive copies of my credit report ONLINE. I use a VPN, so I know the information sent/received online is secure.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I logged onto XXXX and filled out the XXXX request free weekly credit report page, as directed by the consumer.ftc.gov website. 
Not one of the 3 reporting companies, Experian, XXXX nor XXXX  is able to supply me with the report online. 
The only option is to fill out a PDF form AND send copies of my personal information ( SSA card/Driver 's License ) etc through the mail. This is not secure, nor is it what is promised by the FTC. The FTC states that I can receive copies of my credit report ONLINE. I use a VPN, so I know the information sent/received online is secure.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Army and Air Force Exchange Service
State: MO

Complaint narrative:
I paid my Military star card amounting to {$140.00} last XX/XX/2021 but when I looked at my bank account after a few days I had a charged of {$270.00} from AAFES. The Credit card company over drawn more than I actually paid which is the only amount I can afford and allowed for that bill. This is not the first time it happened to me and I looked the other way that time. But what they did is not right! Why would they take out {$270.00} when I just authorized to pay {$140.00} which is the XXXX statement. I even received a confirmation email stating the amount paid, the date and a confirmation number. 
The 2nd time I called and talked to the customer service representative the person I talked to sounds like smirking and laughing at me. Like seriously, my issue isn't a laughing matter. What if it happened to her? How would she feel if she got an overdraft because the credit card company withdrawn more than what you paid for and have a budget for? Sometimes people need to show more empathy which nowadays is lacking especially if you are working in a customer service job.

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 2021-01-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
I have disputed the same charges with multiple companies!

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 2021-01-31 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I have been communicating with Chase Card since XXXX about fraudulant charges from various companies. There are roughly 50 charges in question. On 2 occasions Chase closed and reissued new cards and charges were again processed on the new cards when the cards were not even activated yet. I have spoke with a dozen + agents and still no logical resolution. I cherish my good credit history but now again at a brick wall. I have been paying amounts I know are not correct and now have charges, again not made by us.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: FL

Complaint narrative:
I have disputed the same charges with multiple companies!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I was the victim of a sophisticated wire fraud and lost {$25000.00} in this fraud scheme with Chase. I have been dealing with a Chase representative who has guaranteed and assured me that after following all the procedures and necessary reports, Chase would reimburse me. I have lengthy documentation of my case and have written directly to Mr. XXXX XXXX, CEO of Chase. After nearly 6 months of working with Chase and being misled, they told me they will not reimburse me. Chase has had all of our reports and document filings for months -- if I did not qualify for reimbursement as guaranteed by the branch manager, why did it take all of this time for them to now reject my claim. Chase is being negligent and reneging on their promise to reimburse me for the wire fraud. 

I have attached the police and XXXX reports, my attorney 's demand letter, and detailed emails sent directly to Mr. XXXX XXXX, the Chase branch manager from the XXXX. XXXX, NJ Chase office who assured and guaranteed me I would receive my {$25000.00} reimbursement for the last 6 months as well as the emails sent to Mr. XXXX XXXX. My father has also been helping me with this case and has spoken directly to Mr. XXXX XXXX, the branch manager and helped with emails sent directly to Mr. XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31 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 — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Citibank failed to send a monthly statement of my account to either my physical address or electronically notifying me of charges. I do not use the credit card often and I didn't remember the charge that particular month when I did not receive a bill. I was reported to a credit bureau as being over 30 days late, even though the account was paid off in full, when they did reach me by phone after it was 31 days late. The agent removed the late fee as a billing error after I paid it if full, and told me it would not be reflected on my credit report, but it was. I checked all e mail correspondence for statements and there was not an electronic statement sent to me. I simply would like the negative action taken off of my credit report. It is the only late payment I have on the report in an over 30 year history. I wrote a letter to dispute the error but they said it was correct. I am currently disputing this a second time.

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 2021-01-31 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
On XX/XX/2018 my bill for account COMENITY BANK/XXXX did not go through when it was on the auto-bill in the bank XXXX  XXXX. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31 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: CITIBANK, N.A.
State: PA

Complaint narrative:
CitiBank sent a 1099 to the IRS for an alleged credit card from over 10 years ago that I never had. I requested via Certified Mail a copy of the backup, charges, i.e., all information regarding this account while I also notifying CITIBANK and the IRS that all charges or claims that I had this card are disputed and to send verification of the debt. CITIBANK refuses to send this information and the IRS says that if they don't I will have to pay the IRS over {$2000.00} for a card that I never had. 

The first notification I received about this alleged credit card was from the IRS, not CITIBANK. At no time within the last 10 years have I received information or notification of such debt from CITIBANK. They refuse to discuss over the phone and will not honor my requests for information via USPS Certified Mail.

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