vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE
State: IA

Complaint narrative:
My problem should be so easy to fix but after several telephone calls and two letters I still do not have faith the problem has been fixed. Both my telephone number and email address has changed and XXXX refuses to update my records. Wow! They did change my address so that I can receive and pay my bill, but not my telephone number or email address. 

When I have called before they always do the same thing. They pass me around like an infectious disease until they put me on terminal hold and no one will pick up. No one will make these simple changes.

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 2021-08-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I'm single male and no other authorized user. I didn't use my VISA for over 2 years. My other credit card purchases are normally under XXXX dollars. When I decided to use this problematic VISA Bank of America last XXXX, fraud charges of over XXXX dollars suddenly appeared on my bill. You can easily spot fraudulent outliers. All the other suspicious fraud charges were reversed except for one transaction with verabradley.com amounting to {$260.00} dated XX/XX/2020 ( see billing statement ). I was working in Alaska for almost 10 months from XX/XX/2020 onwards. The company repeatedly refuse to reconsider the fraud stating that an authorized user ordered it. I never ordered, authorized and have no other user for the card.I am single. My normal charges in other credit cards rarely exceeds {$50.00}. Red flag for that verabradley charge. I tried to complain via telephone 800 call, letters, certified mail, and even going to a branch location & banker in XXXX, WA to discuss but the request fell on deaf ears.

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 2021-08-20 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: MO

Complaint narrative:
I proved XXXX XXXX was falsely reporting to the credit bureaus with a receipt i gave to them from my email clearly showing I paid and the balance at the time of the receipt I found was hundreds less than what they were saying. Because of the lying it should be off my report. You would have to be XXXX to not see it .Period!!!! They didnt fix it what so ever. Its experian who is falsely reporting it now and my dispute is with them

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 2021-08-20 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.

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 2021-08-20 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: CA

Complaint narrative:
To cfpb, Help me, please. I am truly asking for your help. 
I am asking cfpb to protect my credit report and credit score from the Trans Union company. 
I made few complaints to cfpb about the company because of the company 's damage to my credit score and report. I think Trans Union is retaliating and lowering my credit score furthermore for no reason. 

In just two days and without any activities in my accounts, my score went down from XXXX to XXXX for no reason. 

My score was XXXX before complaining to cfpb about Trans Union and before the damage to my credit score by Trans Union. The main complaint was about a false claim made by Trans Union that I have delinquent and derogatory accounts, and I did not. When Trans Union found that I have no delinquent and derogatory accounts, they lower my score any way for the attached reasons. 

In fact, there is a complaint that I recently submitted to cfpb. 

in the complaint, I submitted all the documents that will make Trans Union claims for lowering my score false. 
I am asking cfpb to protect my credit report and credit score from the Trans Union 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 2021-08-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hello, I got scammed on my XXXX  account, XXXX XXXX a hacker ) messaged me saying if I wanted to convert my money into 10x more, I trusted her becase my cousin had already made a video thanking this person, so I sent her XXXX after sending her the money she told me she had a better deal that if I sent her XXXX more shell send me XXXX I sent her the money and after that she told me I just needed to send her a 15 second video thanking her for the money just to find out this was all a scam, after this my XXXX got hacked and she uploaded my video making some of my friends fall for it too.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 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: TX

Complaint narrative:
This complaint is against the following lender : XXXX XXXX XXXX XXXX XXXX Ft. Worth, Tx XXXX Santander Consumer is reporting a vehicle loan as charged off, showing a {$29000.00} balance on a car that was voluntarily surrendered XX/XX/XXXX. It was then sold ( supposedly ) on or around XX/XX/XXXX. This item is reporting as a charge-off, but I am disputing the accuracy of this item, because I believe the company is reporting this item in error, and it should be removed. 

The company states they sent information regarding the sale of this vehicle, but it was never received. For a situation of this nature, it would have been in their best interest to have sent it certified, to ensure that it was received properly. There was never notification that the car was being sold, when or to whom and for how much. 

The letter dated regarding the sale of the vehicle I was recently sent ( XX/XX/XXXX ), was dated for XX/XX/XXXX. The vehicle was picked up on or around this date, so how could they send a letter notifying of a sale if the car was picked up days before this letter was supposedly generated. That A " voluntary repo fee '' was assessed on XX/XX/XXXX, yet the sale of the vehicle was reportedly done around XX/XX/XXXX of XXXX. Basically, the time of voluntary repossession, notification of sale and actual sale, I believe violates my rights as a consumer. 

This company did not grant any of the following during the course of the repossession and sale of the vehicle when asked. There was no verification, or validation of why this item is being reported and how they are lawfully reporting this item on my credit report. 

*EFFECT OF ERRORS OR OMISSIONS *NOTIFICATION BEFORE DISPOSITION OF COLLATERAL *TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL *CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL I would like to have this issue investigated immediately. This is a predatory loan company and their integrity has been in question quite often over the last few years. Please investigate, as they are not being of any assistance in trying to get to the bottom of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This complaint is against the following lender : XXXX XXXX XXXX XXXX XXXX Ft. Worth, Tx XXXX Santander Consumer is reporting a vehicle loan as charged off, showing a {$29000.00} balance on a car that was voluntarily surrendered XX/XX/XXXX. It was then sold ( supposedly ) on or around XX/XX/XXXX. This item is reporting as a charge-off, but I am disputing the accuracy of this item, because I believe the company is reporting this item in error, and it should be removed. 

The company states they sent information regarding the sale of this vehicle, but it was never received. For a situation of this nature, it would have been in their best interest to have sent it certified, to ensure that it was received properly. There was never notification that the car was being sold, when or to whom and for how much. 

The letter dated regarding the sale of the vehicle I was recently sent ( XX/XX/XXXX ), was dated for XX/XX/XXXX. The vehicle was picked up on or around this date, so how could they send a letter notifying of a sale if the car was picked up days before this letter was supposedly generated. That A " voluntary repo fee '' was assessed on XX/XX/XXXX, yet the sale of the vehicle was reportedly done around XX/XX/XXXX of XXXX. Basically, the time of voluntary repossession, notification of sale and actual sale, I believe violates my rights as a consumer. 

This company did not grant any of the following during the course of the repossession and sale of the vehicle when asked. There was no verification, or validation of why this item is being reported and how they are lawfully reporting this item on my credit report. 

*EFFECT OF ERRORS OR OMISSIONS *NOTIFICATION BEFORE DISPOSITION OF COLLATERAL *TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL *CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL I would like to have this issue investigated immediately. This is a predatory loan company and their integrity has been in question quite often over the last few years. Please investigate, as they are not being of any assistance in trying to get to the bottom of this matter.

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 2021-08-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
A debt is placed on my credit report that was never validated by me.

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 2021-08-20 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: GA

Complaint narrative:
I have sent letters to you requesting that you remove inaccurate accounts from my credit file. To date you have failed to comply with the requirements of the Fair Credit Reporting Act by ignoring my requests to perform a proper investigation on the following accounts XXXX  XXXX, XXXX, XXXX XXXX, XXXX, US DEPT ED, XXXX XXXX  and XXXX. I have advised that the The Date of Last activity is showing inconsistent dates on the listed accounts requested you to remove them due to violation, but yet you have ignore my request.

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 2021-08-20 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: Convergent Resources, Inc.
State: AZ

Complaint narrative:
In XX/XX/XXXX I received an email from Convergent Outsourcing, INC stating that they were attempting to collect an alleged debt. I responded to these alleged allegations via communication by a written letter on XX/XX/XXXX explaining that the alleged debt does not belong to me. Convergent Outsourcing, Inc, responded back on XX/XX/XXXX with a typed up letter from XXXX XXXX dated XX/XX/XXXX with an alleged balance. To begin I have never done business with Convergent Outsourcing , Inc nor am I aware of this alleged debt that does not contain my wet signature stating that I agree to these alleged debts. Further more, Convergent Outsourcing have violated many of my consumer rights after I strictly advised them to no longer contact me unless they were contacting me with remedy. Without my consent Convergent Outsourcing , Inc has reported this alleged debt to my consumer report without my consent. Included is the communication that I sent to Convergent Outsourcing, Inc

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 2021-08-20 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: Prosper Marketplace, Inc.
State: CO

Complaint narrative:
On XX/XX/2021, Prosper XXXX XXXX listed a hard inquiry on my credit report that I did not make. Upon requesting removal, I was told to file a police report if I thought it was wrong. I have no loan through them and I wasn't even in their system when I called to inquire about its removal.

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 2021-08-20 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:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: HW Holding, Inc
State: CO

Complaint narrative:
Hunter Warfield {$4400.00} XX/XX/2020. 
Disputed an error on the amount and nothing was done by company. The balance owed is {$2300.00}. 
They contacted my family members various of times even AFTER setting a payment plan with them.

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 2021-08-20 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: OneMain Finance Corporation
State: CO

Complaint narrative:
On XX/XX/2020, OneMain Financial ran my credit a total of 3 times consecutively. I did not authorized these inquiries and I want them all removed. I have disputed them with XXXX  and they refused to remove them. I want proof of authorization for these inquiries and if this can not be produced I want them all removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
Convergent Outsourcing inc at XXXX XXXX XXXX XXXX # XXXX, XXXX, WA XXXX has been sending me collection notices in the amount of {$3100.00} the collection has been reported as unpaid balance. I do not know this company. I have never done any business with this company. This company does not have a contract bearing my signature nor did I authorize any services pertaining to this matter.

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 2021-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: FIRSTBANK
State: CO

Complaint narrative:
I was politely asking for a solution. On XX/XX/XXXX, a nice banker allowed me to share my concerns over the phone, but when my father was curious that even though my father had previously accounted openly they were allowing him to open and I'm his son. I have a document to share proving I was exhausted enough. But I insist on this bank because my concerns convinced arms and fees. Please allow, me to listen instead of being against me. That's not correct and it's wrong, after I had conversations in the bank, where my father he gets his bonus, and he had account closed and so that's enough to tell you why my conversation will not end depends on me because, the branch manager XXXX was being unfair, that he could have, just stop me of going in person why can't just leave like this, at least online banking is safe to him and me, that is that if he really hates me and not others customers. 


Please review, my recording of the called mentioned XX/XX/XXXX and one XXXX at the branch. 
XXXX XXXX XXXX XXXX, XXXX, CO XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-20 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: CO

Complaint narrative:
On XX/XX/2020, XXXX XXXX ran my credit a total of 3 times consecutively. I did not authorized these inquiries and I want them all removed. I have disputed them with equifax and they refused to remove them. I want proof of authorization for these inquiries and if this can not be produced I want them all removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 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: NY

Complaint narrative:
THIS IS NOT AN UN-AUTHORIZED THIRD PARTY. I am making this complaint on my own there is no third party involved. 
This complaint is about me getting taking advantage of due to malpractice of while several laws are being broken under FCRA by your company. This has caused financial injuries on my credit report. 
Its caused me Defamation of character. I am unable to get a job, get approved by credit card companies, or buy a house. 
I have tried serval times to apply for loans such SBA loan, but due to the pandemic under this crisis you have hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 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: CBC Companies, Inc.
State: CO

Complaint narrative:
After 10 months of dealing with a company called XXXX and being strung along for a potential refinance I received sporadic and unauthorized hard inquiries from factual data. XXXX also advised me to wait until the last day to pay my mortgage which is horrific advice and lied to me about the hard inquiries from factual data. I have no mortgage through the fraudulent company XXXX, nor should the inquiries that were never authorized be on my account at all.

Company response to consumer: Closed with explanation