vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I received a text message fraud alert on XX/XX/2021 for {$2.00}. I logged into my BofA app to confirm if the text message was in fact providing correct info. Upon logging into my BofA account I was promoted to the suspicious out of state {$2.00} charge. Since the data matched I ended up calling the BofA phone number provided in the text alert XXXX. I was informed by the agent that my account was hacked and linked to someone elses XXXX account. I was sent a verification text code which I was informed would break the bogus XXXX account. I was also informed that {$2600.00} was transferred from one of my checking outs and {$300.00} from another. To get my money back the agent had me transfer {$2600.00} to myself via XXXX and {$300.00} via XXXX to myself. After completing the transfer I asked the agent why I had to transfer money back to myself and thats when the agent hung up. Afterwords I called BofA fraud department using a phone number I located on BofA web site. I was informed that I was scammed. The {$2600.00} and {$300.00} funds at that time showed as processing however the rep said they couldnt do anything to terminate these transactions. According to my research that might not be true.

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 2021-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
I purchased games from a gaming company XXXX  XX/XX/XXXX and realized I was being charged duplicated charges so I told merchant about it and they responded that there were technical issues with new software and were investigating problem and would refund me. They never did and problem kept happening so I closed my account and disputed charges with my bank chase. They put my claim as a subscription and denied me after a month of being charged over {$7000.00} and then not only telling me but guaranteed my money by the XXXX of XXXX so I was very patient and still have received nothing but poor customer service and told something different every single day.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-31 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Can not log into Equifax account. Spoke with a representative and they were to resolve in a week still can not login.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I just got an alert of an account that has shown up on my credit report that is not mine. Please remove the account information off my account immediately. 
Here 's the information - Account Number : XXXX XXXX XXXX XXXX XXXX Collection Agencies XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX Account Balance : {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 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: TX

Complaint narrative:
I just got an alert of an account that has shown up on my credit report that is not mine. Please remove the account information off my account immediately. 
Here 's the information - Account Number : XXXX XXXX XXXX XXXX XXXX Collection Agencies XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX Account Balance : {$1300.00}

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 2021-07-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I just got an alert of an account that has shown up on my credit report that is not mine. Please remove the account information off my account immediately. 
Here 's the information - Account Number : XXXX XXXX XXXX XXXX Other Collection Agencies XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX Account Balance : {$1300.00}

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 2021-07-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I am a consumer and I have been trying to get this inaccurate reporting fixed since XX/XX/2021. TransUnion, and XXXX  are well aware of my disputes however they keep saying that the information is verified and accurate. Originally XXXX agreed to remove the inaccurate info but the others keep showing the alleged debt and it is causing me stress and hurting my credit. I reached out to the actual debt collector about this alleged debt and they sent me account information that proves these credit bureaus are reporting inaccurate information. Also it has been well over 120 days, they only had 30 days to confirm this information. It is inaccurate and must be removed now.

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 2021-07-31 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 — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I have been trying to get my credit reports since XX/XX/XXXX. I filed a Chapter BK in XXXX of XXXX and it was discharged in XXXX. 

XXXX  has removed 90 % of my history. I had to send a XXXX page fax proving my identity. I still can not access my report. 

TransUnion also has identity issues but I can get to a partial report online. 

XXXX also has me blocked from obtaining my report even after uploading on my phone to the representative who said I would be able to access. 

I have had a 160 point drop in my score. I have been denied PPP, FEMA and SBA assistance and nobody will disclose why. 

I had no issues with my Covid tax stimulus or IRS Tax return but in XXXX when my score dropped, and XXXX  removed most all of my history I can not access ID.me for the IRS, SSA, and I have not gotten my unemployment credit not advanced child tax credit payments. 

I have a medical collection bill that was paid in full by XXXX XXXX XXXX XXXXXXXX XXXX XXXX that was sold to collections for {$250.00} and never got a bill. I have been working with two debit collectors, the insurance and medicaid. Every month its worse.

Multiple debt collectors discharged in BK in XXXX are reporting discharged debt and selling to new collectors. 



I need help.

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 2021-07-31 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: KY

Complaint narrative:
Im writing to you because I noticed that my most recent credit report contains a late payment ( s ) reported for the above listed account. 
I want you to know that I understand, and have great respect for my financial obligations. 
Due to Covid-19 forbearance program regulations it states that no late payments are to be reported to the financial credit bureau during the time of covids forbearance period. I have late payments on my report I want removed because I am a victim of covid 19 and legally you should not have put them there. Aside from this unforeseen and unavoidable circumstance, you will see that I have an excellent payment record. 
In the near future, I am planning on applying for a mortgage and it has come to my attention that the missed payments on my credit reports could hurt my ability to qualify. 
In my heart, I know that the missed payment doesnt reflect my creditworthiness and commitment to repaying my debts. I am humbly asking for you to give me a second chance by making a goodwill adjustment to remove the late payments from my credit reports. As I understand it, you can do so in just a few minutes of your time. I would greatly appreciate it! 
Thank you for your consideration. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XXXX XXXX refunded my account but it was closed and wells fargo won't send me a check for the refunded amount {$1100.00}.

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 2021-07-31 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
XXXX But this account closed in XX/XX/2017 and pays that the balance is paid off

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 2021-07-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN ADJUSTMENT BUREAU,INC.
State: CT

Complaint narrative:
On XX/XX/2021 and XX/XX/2021, I sent a certified letters to the American Adjustment Bureau. I have not received anything from them bearing my signature only an itemized list ( enclosed ) from XXXX XXXX XXXX XXXX. Enclosed is my credit report and they have still been reporting this inaccurate item as of XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BMO BANK NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Somebody opened a checking acccount with this Bank BMO Harris Bank at. 
XXXX XXXX. XXXX XXXX XXXX XXXX, Illinois XXXX. I never open account with this bank. already call the bank to close the account number isXXXX

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 2021-07-31 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: KY

Complaint narrative:
Im writing to you because I noticed that my most recent credit report contains a late payment ( s ) reported for the above listed account.

I want you to know that I understand, and have great respect for my financial obligations.

Due to Covid-19 forbearance program regulations it states that no late payments are to be reported to the financial credit bureau during the time of covids forbearance period. I have late payments on my report I want removed because I am a victim of covid 19 and legally you should not have put them there. Aside from this unforeseen and unavoidable circumstance, you will see that I have an excellent payment record. 
In the near future, I am planning on applying for a mortgage and it has come to my attention that the missed payments on my credit reports could hurt my ability to qualify. 
In my heart, I know that the missed payment doesnt reflect my creditworthiness and commitment to repaying my debts. I am humbly asking for you to give me a second chance by making a goodwill adjustment to remove the late payments from my credit reports. As I understand it, you can do so in just a few minutes of your time. I would greatly appreciate it! 
Thank you for your consideration. 
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 2021-07-31 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
Im writing to you because I noticed that my most recent credit report contains a late payment ( s ) reported for the above listed account.

I want you to know that I understand, and have great respect for my financial obligations.

Due to Covid-19 forbearance program regulations it states that no late payments are to be reported to the financial credit bureau during the time of covids forbearance period. I have late payments on my report I want removed because I am a victim of covid 19 and legally you should not have put them there. Aside from this unforeseen and unavoidable circumstance, you will see that I have an excellent payment record.

In the near future, I am planning on applying for a mortgage and it has come to my attention that the missed payments on my credit reports could hurt my ability to qualify.

In my heart, I know that the missed payment doesnt reflect my creditworthiness and commitment to repaying my debts. I am humbly asking for you to give me a second chance by making a goodwill adjustment to remove the late payments from my credit reports. As I understand it, you can do so in just a few minutes of your time. I would greatly appreciate it! 
Thank you for your consideration. 
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 non-monetary relief
Consumer complaint received 2021-07-31 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The Outsource Group, Inc
State: WI

Complaint narrative:
On XX/XX/2021 at XXXX, I sent a debt verification letter, via USPS certified mail, to Medicredit , Inc . The letter asked to cease communication in this manor : " If you have good reason to believe that I am responsible for this debt, mail me the documents verifying the debt is mine. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. '' On XX/XX/2021 at XXXX XXXX, the letter was delivered to Medicredit , Inc . 

On XX/XX/XXXX, Medicredict, Inc sent a letter acknowledging I disputed the debt and they were investigating the matter. They asked that I call them to provide additional information and threatened that if I didn't call them, the debt would be considered mine. The letter also had " Payment Options, '' but did not require payment. This seems that they are still trying to actively collect this debt without proof. In the letter, no where did it verify the debt was mine and there were no documents from the original creditor showing this debt was mine or was outstanding. 

This is why I filed a complaint. The only communication I wanted was verification that the debt was mine and that they cease all other communication. Medicredit contacted me and verification was not provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
I used Cash App to pay {$1000.00} for a service for my business, but the employee didnt complete the service and disappeared. I contacted Cash App support and they rudly refused to investigate or even learn more about my situation. They did not solve my case or do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: DISCOVER BANK
State: MI

Complaint narrative:
My student loans were recently in an in-school forbearance that ended in XX/XX/2021. Around XX/XX/2021, I made several phone calls to Discover Student Loans regarding financial hardship affecting my ability to repay these student loans as my in-school forbearance was close to ending. At that time, a Discover representative told me that as an option to help, they could offer me an interest only payment plan for up to a year if I was still suffering financial hardships. 

Upon my loan forbearance expiring, I made several phone calls around XXXX 2021 to request an interest only payment option on my account and the representative refused to honor this. I am suffering a financial hardship at this time as I am working full time but only earning minimum wage. I can not afford these monthly payments at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: MN

Complaint narrative:
Mrs XXXX thank you for your response but Im not happy that your office did not send me proper notification via US mail stating that you needed verification of proof normally and per the FCRA you are to send a written letter to my home address indicating that you need specific information but I received nothing is why I file a CFPB complaint this is a violation of the FCRA I got your first requested letter in the mail saying that I needed to go onto your company website to submitted information to get a copy of my Lexius nexus report and thats what I did.I been sitting here waiting for 3 to 4 weeks now. I have enclosed the information via email via the CFPB Portal. Also I challenge you that you are reporting in accurate information on a bankruptcy chapter XXXX on my public record file about the file number! What I need from you is a certified statement writing from the clerk of court that you spoke with the clerk to verify this information. Per the clerk of court they do not provide information to 3rd party or any of the credit bureaus. Also this information must be on the US bankruptcy court letterhead. I also requested of you again to freeze my lEXIS-NEXIS credit report since I cant get a copy of my credit file and the negative information that is reporting on me. All information must be 100 % accurate. Please delete the public record from my credit file immediately. I have sent you what you asked for now I asked the same of you.ms XXXX I have enclosed another copy of my Identification along with a big white envelope that states LEXIS-NEXIS at the top showing that you did send me the information but there was no indication that you needed identification so typically this is a failure to respond on your behalf XXXX  XXXX  XXXX  states that they got the public record information from you is how I know that you are reporting and furnishingIn accurate information please be respectful and send me all the information requested thank you so much

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 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 — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Good Afternoon, My bank XXXX XXXX XXXX XXXX, Had been reporting my credit under the wrong social security number, My social ends in XXXX, and they had been reporting under XXXX from around XXXX period. After multiple attempts, we were able to fix this issue and primary credit recording companies were notified such as Experian, and XXXX. They were notified back over last summer and had gone to a less direct route for inquires. After multiple attempts over the year, my credit is not accurate and not allowing me to check my credit. As the regulating agency can you please step in and help me fix this issue. 

Thank you, 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 2021-07-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
XXXX {$250.00} A lady was hosting a womens boot camp & after I paid I was shocked to find out there was no actual boot camp. I was SCAMMED & blocked. I hate this! 
I contacted my bank who said they can not do anything about XXXX.

Company response to consumer: Closed with explanation