vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-17 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 — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
XXXX dropped my score over 40 points Nothing new occurred no new accounts no late charges etc. went from almost 800 down down below 750 Transunion just did the same thing And XXXX  No reason given how can a score dropped over 40 points in less than a month When all my acts are paid off and up to date This is unfair Ive tried hard for a great score 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 2022-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
Capital One got a copy of my report I don't recognize. And also XXXX XXXX XXXX got a copy of my credit report. I don't recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Equifax dropped my score over 40 points Nothing new occurred no new accounts no late charges etc. went from almost 800 down down below 750 XXXX just did the same thing And XXXX No reason given how can a score dropped over 40 points in less than a month When all my acts are paid off and up to date This is unfair Ive tried hard for a great score Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17 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 — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XXXX  dropped my score over XXXX  XXXX  Nothing new occurred no new accounts no late charges etc. went from almost 800 down down below 750 XXXX just did the same thing And experian No reason given how can a score dropped over XXXX  XXXX  in less than a month When all my acts are paid off and up to date This is unfair Ive tried hard for a great score 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 2022-09-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX posted a random medical bill on my credit report but I dont know this company or what they are trying to collect. Addittionally I have never done business with this company I mailed them a certified letter requesting all information about the debt. The letter i sent stated I recently received communication from you attempting to collect the above-listed alleged debt. Your initial communication to me in an attempt to collect the alleged debt was within 30 days ago. Please be advised that I hereby dispute the validity of the alleged debt listed above in its entirety. Further, I request verification of the alleged debt, specifically, a copy of a contract or agreement. Said contract or agreement must be with the original creditor and signed by all parties involved. You are illegally attempting to collect the above-listed alleged debt and money that I do not owe. Cease and desist all collection activity, including all reporting to consumer reporting agencies. Promptly request deletion of any and all prior reporting made to any consumer reporting agencies. If you comply with my deletion request within 14 days, then you are excused from verification. Send me a letter confirming your requests to CRAs to delete your reporting of the alleged debt. This letter and evidence may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this fully matter and receive any related information herein. Be advised, if you fail to comply with this demand letter, I may turn the matter over to an attorney. I have yet to receive a response from the company

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 2022-09-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
On XX/XX/22, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I agreed and she said she would give me {$500.00} a week in exchange for having an honest person to talk to everyday. The same day we started talking she said she would give me my first {$500.00} and gave her financial cashier my phone number to give me the check. A couple hours later the same day she asked me if I could do her a big favor. She told me that her Zelle, XXXX XXXX, and other forms of mobile payment wasnt working, and that she found out that her granny has XXXX. She basically said that she was going to send me some money ( XXXX ) to Zelle to her granny along with my {$500.00}. I agreed and was talking with her financial cashier through a phone number but found out it was actually her I was talking to ( XXXX ). Her financial cashier apparently then started talking to me through another contact ( XXXX ). At that point I had a suspicion that I had been talking to the same person all along and that there is no financial cashier but Im not sure. They both sent me images on how I would deposit the checks that they sent me. They told me to take pictures of the checks from a computer or XXXX which I did. I was sent 2 checks and each was for XXXX. I did it, and just {$500.00} came through within a few minutes and they both kept desperately urging me to send that to the granny right away so I did it. The Zelle info they sent me was to XXXX XXXX XXXX, ( XXXX ). They kept calling me at XXXX asking me to check if anymore money came in. Another {$500.00} was available the next morning so I sent that out as well. They said it had gone through and to keep waiting for one more {$500.00} to go through to send out to granny. The following morning my account was at- {$760.00}. I informed them both and all the financial cashier said is that it was negative because I deposited the first check wrong. However XXXX never replied and when I went to go message her again on XXXX I saw that her account had been deleted. We went to go talk to a banker at XXXX and she had told us that they couldnt do anything because I had used Zelle. A couple days later all the checks had been returned fake/altered. My account is now at a - {$990.00} and is now currently blocked by XXXX, if I do not pay back the negative balance they will close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM

Complaint narrative:
I discovered today ( XX/XX/2022 ) that a person opened a Checking account at Capital One Bank in my name. I went to set up an account with them for the first time ever and found out one was set up already. I was told the checking account was already closed, they did not tell me what banking took place on that account. I was able to obtain the mailing address and email they set up and the last four digits of their cell phone number when changing the account back into my name. I do not know what amounts were opened or what transaction took place on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK
State: SC

Complaint narrative:
XXXX XXXX got a copy of my report I don't recognize. And also Discover financial services got a copy of my credit report. I don't recognize.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Westlake Services, LLC
State: CA

Complaint narrative:
Closed the account XX/XX/2020 and had a settlement of {$1500.00} Company left it at Payment after charge off/collection Settled - less than full balance When trying to to purchase a new vehicle, I keep getting declined

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 2022-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: AL

Complaint narrative:
I was in a debt management program and thought this debt was included. I wasnt aware that I still owed the balance until they reported to my credit report. No phone call, no letter in mail only sent to credit beauru and that is how I found out about the debt from XXXX. I asked them to remove from credit report and told me they didnt have to send me a letter. According to them and call was recorded that they didnt have to send me a letter in the mail. I am paying balance on XXXX but I need this removed from credit report. Company is National credit adjusters. They never notified me that it was sold to them or sent me anything about the debt to be paid or gave me an option to pay before it went on credit report. but they had a note that it was in a debt management program. XXXX collections and needs to be investigated I need this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Advance America, Cash Advance Centers, Inc.
State: AL

Complaint narrative:
I was in a debt management program and thought this debt was included. I wasnt aware that I still owed the balance until they reported to my credit report. No phone call, no letter in mail only sent to credit beauru and that is how I found out about the debt from XXXX. I asked them to remove from credit report and told me they didnt have to send me a letter. According to them and call was recorded that they didnt have to send me a letter in the mail. I am paying balance on XXXX but I need this removed from credit report. Company is National credit adjusters. They never notified me that it was sold to them or sent me anything about the debt to be paid or gave me an option to pay before it went on credit report. but they had a note that it was in a debt management program. XXXX XXXX  and needs to be investigated I need this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I filled for unemployment for the very first time in my life in XXXX during the pandemic .I was receiving my benefits at first it was around {$8300.00} total I have my bank statements from Bank of America where it shows my ending balance. When it was time for me to do my taxes on XXXX i received my 1099G stating i had received {$16000.00} which i never saw in my Bank account i contacted XXXX and the verified that they indeed transferred all that money but The bank never applied it all to my account the same thing happened in XXXX when i received my 1099G it said i had gotten {$10.00}. bit i only received around {$4000.00} so i don't know what i should do.

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 2022-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: TN

Complaint narrative:
On XX/XX/2022, I received a letter from the company Radius Global Solutions, LLC, stating that I owe a debt in the amount of XXXX dollars from a company called XXXX XXXX. I filed a complaint with Radius Global Solutions in XX/XX/2022, stating to them that it is a fraud account and that I did not purchase anything nor applied for any credit and that someone applied for something in my name. I asked Radius Global Solutions to cease and desist all collection activities. I told Radius Global Solutions that the debt is not mines. Radius Global Solutions ignored my demands. I also asked Radius Global Solutions to have no contact with me and don't put the debt on my credit report. Radius Global Solutions sent me a letter on XX/XX/2022, I received a validation letter with just only a transaction history letter. So I decided to file a compliant.

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 2022-09-17 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: NY

Complaint narrative:
Ally is making is very difficult to dispute debit card charges. On the phone they push you to dispute transactions online but the dispute website is non functional and does not let you submit the form. They have not responded to my message about this and ignore the situation.

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 2022-09-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Used drive thru ATM at Wells Fargo location : XXXX XXXX XXXX XXXX XXXX, CA XXXX United States Placed {$500.00} into ATM machine and ATM was not reading all of my bills so Pressed return all items. When it was returning the money, there was a jam and we had to force the last {$50.00} out. We counted the money and only {$400.00} was returned. So the ATM ate {$100.00}. This happened on XX/XX/2022 at around XXXX XXXX. The bank was closed so I called their claims department. They informed me the machine did not register any jams and it says I put in {$350.00} and got {$350.00} back. They denied my claim and said they will not be returning my money and will not be checking the cameras because it will not show the money I put in. I believe there was a discrepancy in their machine because it did not register the jam. They are denying to admit any fault here.

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 2022-09-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: IA

Complaint narrative:
I called XX/XX/XXXX and requested a refund of all the loan payments I made since XXXX of XXXX. They said great, got it submitted and quoted me 4-6 weeks. I got an email on XX/XX/XXXX saying my request was denied, I so called again them again on XX/XX/XXXX and they told me the request wasnt processed correctly and I had to do it again. I then re-reuqested my refund on that call and they told me it was officially submitted. I checked in with them for a status update on XX/XX/XXXX and they werent able to provide any information but quoted me another 4-6 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Searched records seems BoA wasn't the mortgagee in XXXX. They had their XXXX XXXX XXXX XXXX sign in XXXX. 
In XXXX had a service file the changing legal descriptions to add a 2nd house to their forged FHA mortgage. 
Note the FHA loan number on BoA mortgage is fictitious HUD found the mortgage they sold in a pool with the XXXX FHA loan case number a XXXX 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 2022-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/XXXX as I was checking out my Transunion credit report I notice several inquires on my credit report that I did not authorized. Below are documention of inquries in question. 

1. XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Automobile Dealers, Used Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number ( XXXX ) XXXX 2.XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Credit Unions Contact info Address XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX 3.XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XXXX XXXX Additional details Business type Auto Financing Companies Contact info Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX 4.XXXX XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Auto Financing Companies Contact info Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX 5.XXXX XXXXXXXX XXXX XXXX  Important dates Inquiry date XX/XX/XXXX Removal date XXXX XXXX Additional details Business type Auto Financing Companies Contact info Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX 6.XXXX XXXXXXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XXXX XXXX Additional details Business type Auto Financing Companies Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX 7.XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Bank Credit Cards Contact info Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX XXXX XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Automobile Dealers XXXX Used Contact info Address XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( 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 2022-09-17 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: CA

Complaint narrative:
Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).

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 2022-09-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC
State: OH

Complaint narrative:
XX/XX/2018 {$3400.00} XXXX XXXX XXXX, never received any bills or information from this company in 4 years now they got a debt collector trying to get money from me.Don ' know what for. Capital Accounts XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
I am not liable for this collection debt with XXXX XXXX who sold my personal info to Portfolio Recovery Associates " without my consent ''. I do not have a contract with XXXX XXXXXXXX or Portfolio Recovery Associates, I have requested & " They did not provide me with the ( original contract or application ) '' like I asked after explaining that the account was fraud. they sent me a bill not the actual contract or agreement or my consent to even forward my personal information in the first place Account number XXXX

Company response to consumer: Closed with explanation