vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-30 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: I.C. System, Inc.
State: NY

Complaint narrative:
review the following accounts that appear on my credit report, without any authorization, do not belong to me Identity Theft DEPT OF EDUCATION/XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft DEPT OF EDUCATION/XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft I.C. SYSTEM INC. 
Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine.

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 2021-08-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I XXXX XXXX the Consumer and Natural Person is the Original creditor, Pursuant to 15 usc 1692 a ( 4 ). No corporation can validate a debt. Also debt means any obligation or alleged obligation, Pursuant to 15 usc 1692 a ( 5 ). I am sending a copy of the letters being sent to my place of abode. This company harasses me with debt collection letters on the regular. I have several stacks they keep sending to me claiming that I owe them something. Pursuant to 15 usc 1692b ( 2 ) they can not say that a consumer owes a debt. I have tried resolving this with them directly but they keep saying this is validated. That is not a true statement because I XXXX XXXX the original creditor, consumer and natural person can only validate this alleged debt which I am NOT validating. Furthermore I will be filing a complaint with the XXXX  and attorney general. I do plan on contacting the media as well and release the information about my rights being violated as a consumer and natural person. Per Congress I have rights and your organization has violated them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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: Nelnet, Inc.
State: NY

Complaint narrative:
review the following accounts that appear on my credit report, without any authorization, do not belong to me Identity Theft DEPT OF EDUCATION/NELN Account Number : XXXX This is not mine. 

2. Identity Theft DEPT OF EDUCATION/NELN Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX. 
Account Number : XXXX This is not mine. 

5. Identity Theft XXXX  Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: IN

Complaint narrative:
I have a Frontier credit card through Barclay Card. When I applied for the card online it was indicated that there would be no annual fee for the first year. I saw that I was charged for a {$79.00} fee. 

I called the first time after originally seeing the charge and they said it would be refunded after I met the intro offer which also came with XXXX bonus miles. 

I called a second time after it had not been refunded and they informed me that the fee would be returned at the end of the calendar year. I thought about this and decided that this was not the original agreement and I didn't think it was fair to charge me and keep the funds for 1 year before returning the fee. 

Today I called a 3rd time and they told me that this had been escalated and that I was not eligible for the annual fee to be waived for the first year. I informed them that I would escalated this complaint through an outside agency as I did not agree with this and opened the card with the understanding that I would not be charged an annual fee the first year.

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 2021-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: MN

Complaint narrative:
In the last 90 days, Ive file 3 complaints against NCA. Each time theyve responded saying they would take specific actions to correct their mistakes but never did. An account ( XXXX ), which per MCAs admission, that has been paid in full since XX/XX/XXXX has repeatedly submitted to credit reporting agencies as being severely past due. Another account ( XXXX ), which per NCAa letter dated XX/XX/XXXX, should have been placed in a fraudulent status, never was. Both accounts ( XXXX and XXXX ), per NCAs letter dated XX/XX/XXXX, were to be placed in a cease and desist status never were and have repeatedly been reported to the credit bureaus. I checked my credit on XX/XX/XXXX and both accounts are still being reported to the bureaus. Ive contacted an attorney and, before taking legal action, wanted to reach out to NCA, one last time, to get this fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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: LA

Complaint narrative:
Last XXXX XXXX I've sent a letter about those accounts were used without my permission. but It's almost 2 months now don't have any response yet. I was so stressed, I got a low credit score. I need Help to resolve this issue. I already contacted credit bureaus and furnishers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) and as well as 15 USC 1666 ( b ) the former was reporting inquiries without my permission, and the latter was truth and lending act. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
I had lost my wallet around the time the loan was taken out which was XXXX the loan was taken out I lost it the previous week the birthday on the account not right and I know my social security card was in there and I had to get everything replaced I never received any payment from cash net usa I dont bank with XXXX XXXX I bank with XXXX XXXX  for the amount of {$2100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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: FL

Complaint narrative:
I have reached out to the companies listed on this report and have also hired an attorney that has helped me with getting a few accounts resolved and removed from my credit report. I have also made complaints about the bureaus failure to provide there verification process in validating these fraud accounts that I did not consent to. I have since placed a fraud alert on my reports in efforts to take precautionary measures and I am very disappointed in the outcome of my past dispute.

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 2021-08-30 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have reached out to the companies listed on this report and have also hired an attorney that has helped me with getting a few accounts resolved and removed from my credit report. I have also made complaints about the bureaus failure to provide there verification process in validating these fraud accounts that I did not consent to. I have since placed a fraud alert on my reports in efforts to take precautionary measures and I am very disappointed in the outcome of my past dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
This item is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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: NJ

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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: NJ

Complaint narrative:
I have filed a dispute on several occasions for this creditor XXXX XXXX XXXX XXXX listed on my credit report. On XX/XX/21 I called XXXX XXXX XXXX  asking about information on this account. The creditor told me that they do not have this account and this account has been sold to XXXX XXXX XXXX. I called XXXX XXXX XXXX on wanting to find out information about the account that XXXX XXXX XXXX  said they do not have and XXXX XXXX XXXX who is a junk debt buyer gave me a reference number if XXXX. I then proceed to go to their website with this information and I get a message that they do not have this account ( please refer to attached document ) because it has been sent to another junk debt buyer called XXXX XXXX. I called XXXX XXXX back and ask them why did they tell me they have this supposed debt from XXXX XXXX Bank when now Convergent Outsourcing has that whatever debt. I then called XXXX XXXX with my issue and this company gave me an account number of XXXX. I log this number into their website to see if there is an account and I get a message of no information found. ( see attached document. ) I want to know how is this credit bureau listing an account that does not belong to me and that you keep verifying that it is mine when XXXX  XXXX XXXX  says they do not have the account. What are you verifying this information from? Why are you allowed to post information on my credit report that is WRONG? For the final time I am asking you please to get physical information from XXXX XXXX XXXX  that shows this account belongs to me because they are telling me they dont have the account and a junk debt buyer has it. You are allowing XXXX XXXX XXXX  to continuously report this account every month to you when I do not owe them anything. Since this is my very last time asking for the removal of this account from my credit report, if this matter is not resolved within 15 days I am filing a lawsuit in small claims court for violations of the FCRA. I take my credit seriously. Please delete this erroneous information from my credit report for the last 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 2021-08-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: ME

Complaint narrative:
My daughter sent me {$1000.00} she owed me through Venmo on XX/XX/21. I set up an acct. on their site with XXXX of my debit cards to transfer the money. When I went in to do the transfer it was locked so I tried entering the bank acct the cards are attached to but Venmo wouldn't let me. I've called their customer service multiple times every day. I've had to send them a picture of my drivers license, copy of bank statement and even had a rep from the bank talk to them. I sent them a letter from my bank verifying the acct. and they still won't release the money. You can't talk to anyone from the dept that fixes the issues only email but they don't respond. I've emailed the service dept 10 times .I 've talked to customer service 5-6 times and supervision 3 times but all they do is raise the priority for the tech dept. My wife and I are both XXXX VETs living on a fixed income and need this money ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-30 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I file a dispute with equifax and no one couldnt help me at all

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1692 ( b ) ( f ) reporting inquiries without my authorization or permissible purpose. I am in distress and this matter has affected me from getting access to different forms of credit which is needed during these time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
1. I had a checking account for my small business, XXXX XXXX XXXX XXXX XXXX, with Bank of America. 

2. The account had an overdraft fee in error on XX/XX/21 in the amount of XXXX dollars. There were funds available in the account to cover the ATM transaction when I made the transaction ; and in the ledger balance to cover the transaction when it posted on that evening. 

3. On XX/XX/21, I called BOA customer service and I attempted to get the fee reversed, but the agent, XXXX id XXXX, insisted there was no error. 

4. On XX/XX/21, I closed my account. 

5. Then XXXX stated that there could be additional overdraft fees because the account was closed if other items came in after the closure, and asked, was that okay with me? 

6. I said it was not and she said the account was already closed. 

7. I asked for a supervisor and am still currently waiting for a supervisor. 

8. I have lost online access to the account. 

9. After a long wait of nearly an hour on hold, XXXX attempted to transfer me to XXXX, but instead transferred me back to the call queue. 

10. Then, after waiting again in the queue, another agent came on the line, XXXX, who reopened the account in order to consider waiving the fee but then did not waive the fee. 

11. I asked for a supervisor again. Was told a manager would come on the line. Spoke with XXXX XXXX. 

12. I advised XXXX XXXX that I am expecting a refund from XXXX in the amount of {$86.00}. Ms. XXXX concurred that that transaction was the cause of the fee and that if the refund processes to the account, then the fee will be waived. Otherwise, BOA refuses to waive the fee. 

13. XXXX said I have to keep the account open both to receive the XXXX refund and fee refund.

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 2021-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Once again, On XX/XX/2021, Capital One has frozen funds in my 360 checking account in the amount of {$34000.00}. The first time was on XX/XX/2021. 
The actions that Capital One has taken, appears to be both retaliatory and discriminatory. The source of the deposited funds has been documented with the bank. The funds are the proceeds of an SBA EIDL program. Capital One is trying to circumvent Congresses intent for the funds. Could it also be that the majority of this shameful behavior is directed at account holders / small business owners XXXX  XXXX? Clearly, the time has come for a XXXX XXXX to investigate, the inner dealings of Capital One as it relates to their banking relations within communities XXXX  XXXX or lack thereof. 
I have tried to contact XXXX at XXXX ext XXXX to discuss a resolution, but that individual has ignored my requests. I have on several occasions sent via email and per their request, sent supporting documentation regarding the source of the funds. 
I hereby demand an immediate release of all monies held within 360 account # ending in XXXX or a copy of an court order authorizing said seizure.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Management Control, Inc.
State: NC

Complaint narrative:
On XX/XX/21, I called Credit Management Co. regarding a {$54.00} collection on my XXXX report. I had to search for their contact information, as the telephone number and address that they have listed on the report is incorrect. I spoke with an agent XXXX, and then a supervisor XXXX. 

XXXX advised me that on XX/XX/21, Credit Management had sent requests to XXXX  and XXXX  to remove the collection from my reports. However, only XXXX  removed it. I contacted XXXX  on multiple occasions over several months and it was not removed, so I decided to call Credit Management and request that they submit another request. 

XXXX stated that they could NOT submit another request, and that I would have to contact XXXX. When I told him that's what I had done for almost 5 months, he told me that he couldn't help me unless I filed a police report??? I'm not exactly sure who I would file against, and XXXX couldn't tell 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 2021-08-30 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: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I paid Wells Fargo in full on my Home Equity line. I tried to do a settlement option with Wells Fargo in XX/XX/2021 to pay less than owed but they wanted me to apply for a settlement but I only wanted to pay them in full. They led me to believe that they may accept my settlement offer. That is the only reason that I did not pay them sooner as I had already sold stock in my IRA acct to pay them in full. The acct was closed and is still closed but they are reporting to XXXX  that the acct is still open and that I have not paid them in full when I paid them in full with a wire transfer on XXXX for the full amount owed of XXXX but they are still reporting to XXXX  and other credit agencies that the account is still open and that I am late for payments. I disputed this with XXXX  and provided them with the statement showing it was paid but they ignored it and still reported incorrect information.

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 2021-08-30 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: LA

Complaint narrative:
Last XX/XX/XXXX I've sent a letter about those accounts were used without my permission. but It's almost 2 months now don't have any response yet. I was so stressed, I got a low credit score. I need Help to resolve this issue. I already contacted credit bureaus and furnishers.

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 2021-08-30 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: OK

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation