vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: NC

Complaint narrative:
Received letter advising that debt was for XXXX insurance. Did not have any of my information on the letter. Only 2 vehicles and payment dates. No information verifing or validating that the vehicles belonged to me. Additionally, no payment method advised to confirm payment was made by me. 

Again, this company is in violation of FCRA reporting standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PR

Complaint narrative:
Requested information about my 1099 IRS tax form to Bank of America verbally and in written form with negative results.it is urgent to receive this information in order to fill my tax report this 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 non-monetary relief
Consumer complaint received 2022-03-23 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: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
I rented a car from XXXXt and made the full payment. However my account was sent to collections. I believe this is fraud. As I have already paid for the services, the company is in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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:
I keep trying to login to my Equifax account but recently had to reset all my passwords, so I need help getting into my account. I keep getting an error page that states " We are temporarily unable to complete this request. 
Please try again later. '' I've cleared my cache/cookies/etc. I've searched online for solutions and found out that filing a complaint with this agency is the only thing that has worked for several other people.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am submitting this complaint against Capital One Financial Corporation. I recently had an auto loan with capital one that I paid off in full in XXXX of 2021. On my consumer report, it has 10 inaccurate payments listed. These items are inaccurate and the date opened is reported differently across all three credit bureaus Also according to THE LAW USC 1666 it's against the law for creditors to have billing errors on consumer reports. I WAS NEVER LATE ON MY PAYMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I filed a complaint with the CFPB previously about Navy Federal reporting incorrect information to the credit bureau. They contacted me within 3 business days and corrected the problem. Navy Federal is now reporting more wrong information and when I contact them they tell me that they dont see it. The incorrect information is on their site and on the 3 credit reports. The information theyve falsely reported is significantly bringing my credit score down. The amount is XXXX dollars with 8 late payments. Never ever made this charge and they wont allow me to close this account. I want that charge removed and my account closed. 

Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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: MD

Complaint narrative:
This XXXX XXXX XXXX  card account was taken over by XXXX XXXX XXXX, XXXX. My settlement with XXXX & XXXX was agree to by both parties and upon full payment of our agreement, the XXXX  XXXX Account derogatory information would be permanently removed from my XXXX, XXXX, EquifaxXXXX XXXX XXXX credit bureau reports files. 
In the past year and a half or so, I have spent well over {$1500.00} on credit repair companies, XXXX XXXX and XXXX, to have XXXX XXXX XXXX  delete all of their derogatory credit bureau report information reported to XXXX, XXXX, Equifax, XXXX XXXX  credit bureau, to no avail. 
XXXX XXXX Bank sold my account to XXXX XXXX XXXX, and I paid XXXX & XXXX the full agreed to amount, and XXXX XXXX XXXX  refuses to remove their derogatory information from all credit bureau report files, even though they sold my account to XXXX XXXX XXXX. 
Once I paid XXXX & XXXX in-full, then my original debt was completely paid off, as agreed to by XXXX & XXXX and myself! 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: FL

Complaint narrative:
I have chime bank. My card was fraudulent, I sent bank over the documents to show I was never in that area, card was with me.I never shared my account information with anyone I was in a store shopping which miles away from where card was used and bank still denied my claim. This issue has caused me a financial crisis and I want my funds back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: ROBINHOOD MARKETS INC.
State: NV

Complaint narrative:
In attempting to close out XXXX trading platform accounts and unable to close out XXXX ) XXXX, XXXX ) XXXX XXXX, XXXX ) XXXX XXXX Account, and still unable to via customer service standard operating procedure. At least, what I would consider standard operating procedure. The account values are not of any great amount. I could just say 'at least you'll never go broke with them owing you XXXX Federal Reserve System XXXX '. But I have a certain standard that I must live up to, since I am also a XXXX XXXX XXXX veteran, who resides in the XXXX XXXX XXXX sphere. That accountability stretches to all financial matters, so that the Homelessness task force, all government organizations have a full accounting of my financial picture. Granted all I have is the Name, address, and other biometric data. for each of the XXXX accounts and no relevant data such as account numbers, as though I invested in a ponzi scam or some other nefarious activity. I need for the accounts, to be XXXX ) closed as of today if at all possible, XXXX ) a statement that tells the government organizations that the accounts are closed, XXXX ) the Statement to be sent to Honorable XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX. XXXX ) that my biometric data such as the social security number be removed from their files. XXXX ) that anything that remains after account fees, be sent to the address on file in a money order and or cashiers check to : Rev. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Payment of {$320.00} was sent on XX/XX/2022 through USPS and was traveling from XXXX, Texas to XXXX, Texas. Company did not process payment till XX/XX/2022 which incurred a late fee assessed on XX/XX/2022. Enough time was given to send payment through USPS going XXXX miles within a state. The company is holding payments and processing them after they are recieved and causing late fees to be assessed. I have asked the company for proof of when they recieved the payment and they have not replied with any proof of the date payment was recieved. I have requested the late fee to be removed and they have denied the request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-23 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-03-23 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: Allied Collection Services, Inc. (Nevada)
State: NV

Complaint narrative:
I Supplied XXXX with detailed information and Legal Federal regulations in reguards to the cares act it took them over 30 days and I recieved back the same results I spoke with a lady on XXXX XXXX @ XXXX XXXX confirmation # XXXX and stated they have to remove this imediatly as Allied Collection has not provided anything relevant to proceed with the negative report XXXX is operating against federal reporting guidelines

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 2022-03-23 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'm working really to fix my credit report. I was able to dispute a transaction on my credit report as I had no knowledge of this collection account. Due to my hard work and research I was able to get it remove. However it was remove and they dropped my score XXXX points. I've called Transunion and for some reason I guess their outsource in XXXX in which they're very rude and wouldn't let me finish my sentences. I don't know what to do at this point. 

XXXX XXXX XXXX  - Removal date on Transunion report XX/XX/2022 2022

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 2022-03-23 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: Continental Finance Company, LLC
State: TX

Complaint narrative:
I have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2022-03-23 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: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  account XXXX XXXX  # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without MY written instructions.

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 2022-03-23 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  account XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without MY written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
They have repeatedly called. Asking for someone that is not even at the number. The number is a business number. They immediatley say the call is being recorded and when I ask them not to record, they wont. Which in Pennsylvania it is a crime, wire tapping, to record without permission or a warrant. They usually will not identify themselves or the company they are calling from.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XXXX  XXXX  LN XXXX  CHASE BANK XXXX XXXX XXXX XXXX  XXXX, CO XXXX  MY LOAN OPENED ONXX/XX/XXXX WASHINGTOM MUTUAL BANK I HAD PLACED 10 PERCENT DOWN TO QUALIFY WITH P.M.I. TOTAL $XXXX AFTER 2 YEARS BY XXXX MY HOME VALUE HAD EXCEEDED 20 PERCENT EQUITY WHICH QUALIFIED BY FEDERAL LAW THE REMOVAL OF THE P.M.I. XXXX X 12 MONTHS= XXXX X 13 MONTHS FROM XXXX TO XXXX XXXX XXXX IS OWED TO ME. CHASE BANK IN OVER 13 YEARS REFUSED TO DELETE MY P.M.I. I NEED HELP TO RECIEVE A FULL CREDIT REFUND OF WHAT IS OWED TO ME. 
RESPECTFULLY, XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
This pertains to a previous CFPB complaint ( # XXXX ) against XXXX that was inappropriately closed by CFPB, due to lack of resolution. Bank 's response was woefully insufficient. 

We have had dozens of interactions with SunTrust/Truist bank reps, but the upshot is that Truist STILL has not reimbursed us for a {$7900.00} counterfeit check that it ( as SunTrust ) allowed someone to cash from our account on XX/XX/2022. We have had dozens of interactions with many different bank customer service reps -- including XXXX XXXX and XXXX XXXX, who were both understanding and sympathetic, but ultimately unable to bring about resolution. We have NOT been allowed to speak directly with anyone in the fraud department. 

Both we and Truist possess clear evidence that SunTrust was at fault. We sent XXXX XXXX XXXX at Truist a picture of the BLANK check -- still sitting in our pad of checks -- with the same number that was used on the counterfeit. We SAW an image on the cashed counterfeit check on SunTrust 's before that account was closed -- and saw that it was obviously NOT an authentic signature. SunTrust employee XXXX XXXX can tell you that on XX/XX/XXXX there was a similar attempt -- quite possibly by the same party -- to cash a *second* counterfeit check, but fortunately XXXX XXXX noticed XXXXrregularities, such as the signature mismatch, and stopped it. We have written acknowledgement from XXXX XXXX that SunTrust/Truist 's Fraud Department mishandled our case because it did not carefully read the case details. He therefore re-opened and re-escalated the case, but we have heard nothing since. 

This issue has inexplicably and inexcusably dragged on for more than two months. These funds are FDIC-insured, and multiple third parties ( including the police ) have said the money should have already been refunded, and expressed incredulity at the delay. 

We want ( a ) our full {$7900.00} refunded ; ( b ) full results of the investigation; and ( c ) reimbursement for other related fees. We would also be very happy to speak directly to an investigator to clarify and/or provide any additional information that might be helpful.

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 2022-03-23 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
Midland Funding has been attempting to collect on a debt by way of Mail Fraud.I demand they cease and desist all communications in regards to this debt including removing it from my consumer report. I have already identified these items to the NCRA 's and this complaint will serve as notice that by law they have 4 Days to remove any information identified by the consumer as identity theft. XXXX  has already removed one of the accounts but I have been met with resistance in a matter that shouldn't be this hard to remedy. If federal laws are not upheld I will initiate the litigation process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-23 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: IL

Complaint narrative:
hi MY NAME IS XXXX XXXX I AM NOT A THIRD PARTY XXXXhas a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 710. XXXX has me at a score around 592. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given im XXXX XXXX XXXX help me please Im XXXX

Company response to consumer: Closed with explanation