vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-02 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 received a letter from XXXX XXXX XXXX that they sent a request to Equifax back in XX/XX/2020 to have an incorrect inquiry removed but that same inquiry is still reflecting on my credit report. I sent a request directly to Equifax and recently checked my dispute status and it stated they would not remove it because it needed to stay on my report for 2 years. I was asking to have it removed since the 2 year mark is approaching.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: NY

Complaint narrative:
Date : XX/XX/2020 Amount : {$630.00} I have sent two disputes and this company has been negligent, not specifically not giving me what I am specifically requesting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-02 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax and XX/XX/XXXX are reporting incorrectly a collection/chargeoff in the amount of {$16000.00} on the XX/XX/XXXXpartial account number XXXX. ( Please see page attached from my credit report. ) This account balance is incorrect. I had GAP insurance at the time and the liability insurance paid off any remaining balance due. ( Please see verification of GAP insurance documents attached for reference. ) This account should be reporting a {$0.00} balance and not be reporting as a collection/chargeoff. I have made numerous calls and inquiries to XXXX XXXX to send me an accurate accounting to date. Each representative I have spoken with assured me they would send me my account history and any current information they have on file. They have never reached out to me either by telephone ; email or written correspondence to date. I have contacted the bureaus as well to fix this incorrect reporting however, I have not been successful. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be updated and/or completely removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 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: SC

Complaint narrative:
I AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
Equifax ; XXXX and XXXX are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my multiple requests are being looked into. My most recent credit report shows the following accounts as not in dispute, when in fact ALL of these accounts are in dispute. Chapter XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX - XXXX ; and XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  and XXXX  show the following accounts as not in dispute, when in fact these accounts are in dispute. XXXX - XXXX. Equifax and XXXX show the following accounts as not in dispute, when in fact these accounts are in dispute. XXXX XXXX XXXXXXXX. XXXX shows the following account as not in dispute, when in fact this account is in dispute. XXXX XXXX - XXXX. XXXX shows the following account as not in dispute, when in fact this account is in dispute. Account XXXX. All of the above referenced items are in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
Date : XX/XX/2020 Amount : {$1500.00} Sent two disputes and they have been negligent in not specifically responding to what I am asking for specifically.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I had hardship in the past with my capital one credit card. I had sent a hardship letter to ask for help removes late payments. If they can removed OR clear the late payments from XXXX and XXXX of XXXX and XXXX XXXX of XXXX. I can get my life back on track with my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Winklevoss Exchange LLC

Complaint narrative:
I'm from the XXXX and recently created a Gemini account, linked a bank account and have been verified. I sold an XXXX recently on XXXX XXXX and withdrew the balance to my Gemini. The amount received was around {$1500.00} but when I go to withdraw the only options for XXXX  or XXXX. I've also tried linking a US bank account but the only options are for XXXX or XXXX banks. My account balance says 0.00 but my portfolio balance states 1097, and the transfer was completed around an hour after withdraw from XXXX. 

I've even tried to purchase crypto with the USD in hopes of converting it, but in both the regular and active trader platforms I am only able to trade XXXX or XXXX pairs. I've reached out to support multiple times and messaged the XXXX pages 4 times with no response and I'm beginning to get concerned. 

It's now been almost 3 weeks and I was told my issue had been escalated but my money is still locked and I'm unable to access it at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX and Experian are reporting incorrectly a collection/chargeoff in the amount of {$16000.00} on the XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account balance is incorrect. I had XXXX insurance at the time and the liability insurance paid off any remaining balance due. ( Please see verification of XXXX insurance documents attached for reference. ) This account should be reporting a {$0.00} balance and not be reporting as a collection/chargeoff. I have made numerous calls and inquiries to XXXX XXXX to send me an accurate accounting to date. Each representative I have spoken with assured me they would send me my account history and any current information they have on file. They have never reached out to me either by telephone ; email or written correspondence to date. I have contacted the bureaus as well to fix this incorrect reporting however, I have not been successful. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be updated and/or completely removed from my credit report.

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 2021-04-02 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
This is a formal complaint against JP Morgan Chase Bank located in XXXX, DE. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, JP Morgan Chase Bank has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: NY

Complaint narrative:
Date : Amount : I have sent two disputes and they have been negligent in regards to responding specifically to what I have been asking for. They send general automated responses which are being negligent for what I am asking for specifically.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 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:
Transunion failed to do a thorough investigation on collection account placed on my credit report that was put on by XXXX XXXX XXXX XXXX XXXX. Company is a scam. They never contacted original company XXXX XXXX XXXX XXXX that XXXX XXXX XXXX stated they received charged off from. Whats on my credit is not a company. Transunion states it accurate. Please tell me where company is located. There is a XXXX XXXX XXXX XXXX Which they have no knowledge of this company. So exactly what investigations did transunion.

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 2021-04-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: WI

Complaint narrative:
We received a bill on XX/XX/2021, from the Convergent Outsourcing , Inc. debt collection company for debt owed to XXXX. I have never subscribed to any XXXX services in my life. I tried calling them and they did mention that the bill was associated with a XXXX XXXX that lived in Virginia but when I told them that was not me, they did not immediately drop the claim. They wanted me to fill out an online form that asked me to give them my drivers license number and full social security number. I do not feel safe doing this. The bill is for {$770.00}. 

Client Acct. # XXXX Convergent Acct # 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 2021-04-02 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I bought two airline tickets to XXXX from an online company called XXXX for {$1400.00} on XX/XX/2020 using my Capital One credit card. The tickets were canceled by the airline and XXXX told me I was entitled to a refund but I never received one. I filed a dispute with my credit card company but lost the dispute. Now XXXX tells me they will refund the money if Capitol One will write a letter saying the dispute has been withdrawn. Capital One tells me disputes can not be withdrawn legally and refuse to write a letter for me. I am out {$1400.00} for airline tickets I was never able to use.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
BB & T closed my account and blocked it from receiving new funds. Despite this, BB & T has continued charging maintenance fees XXXX minimum balance XXXX to my account. 
It's impossible to meet the minimum balance to avoid the fees since 1 ) the account is closed and 2 ) BB & T is blocking the account from receiving funds.

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 2021-04-02 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: MI

Complaint narrative:
State of Michigan keeps reporting that I haven't made a payment in over 120 days I have disputed it 2xs with experience now and they keep telling me state of Michigan is accurately reporting they are not. State of Michigan has been receiving {$81.00} every 2 weeks for at least the last 5 or 6  months as it comes directly out of my unemployment the most recent was Wednesday XX/XX/2021 that they recieved an {$81.00} payment but still claim nothing is being paid and making my credit go down every month and I can't reach anyone at the state of Michigan

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 2021-04-02 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:
A hard inquiry appeared on my credit report from XXXX XXXX, XXXX XX/XX/XXXX. I contacted the creditor that same time frame and advised them I had been compromised & this account inquiry was fraudulent and it needed to be removed from my report. They conducted their research & it was removed from XXXX reports but still remains on Equifax. I've since put a 7 freeze on for all the credit bureaus. I contacted XXXX, XXXX XXXX again in XXXX, they advised me they had sent another request to have this removed from my report & I received a letter the 2nd time from them stating this fact. XXXX this was still on my report I had filed an online dispute w/Equifax and reached back out to XXXX again to request this removal. There was no change. I submitted section 609 letter Equifax sent certified mail at the beginning of XXXX requesting this to be removed from my report along w/documentation from the creditor advising they had 30 days to have verified. As of XX/XX/XXXX I contacted Equifax and they have my documents on file but state the were not able to remove from my report due to the letters from XXXX were not proper form of docs they can use to remove & advised me to process form on FTC.Gov and fax a copy to them for faster removal..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
A fraudulent credit card was opened in my name in XXXX. I had no knowledge of this account until I seen XXXX XXXX XXXX on my credit report. I called XXXX and sent them Identity theft reports about capital one credit card being fraudulent. Ive been fighting this fraud amongst other from being in the XXXX  XXXX XXXX in XXXX my life has been a ton of fraud accounts including this one. I have completed a Federal Trade Comission report as well! Ive resolved this with XXXX and they also sent XX/XX/XXXX to Capital One documentation of there findings of facts and this account being fraudulent! I have filed dispute after dispute with capital one and they keep telling me there is no fraud on the account! The account ending in XXXX is hindering my ability to get other accounts and I pay my bills on time and have good credit. Capital One keeps telling me this account is not fraudulent when all my documents and police reports saying it is identity theft! Please help me resolve this haunting account. The account is stuck to my social security number and I need it to please be deleted so Im not looked at negatively anymore with the company and other lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 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 consumer recently sent in letters of unauthorized false invalidated information on my credit report and hasnt been sent back my investigation as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Avant Holding Company, Inc.
State: NC

Complaint narrative:
I noticed fraudulent charges from a VPN service that had been cancelled. I filed a dispute in XXXX or early XXXX and nothing has been done. I called them today to see what's going on with it and the customer service rep said she had to transfer me to another department because the card is late. I told her the card is late because they never addressed the fraudulent charges that I am not paying for and I only wanted her to transfer me to someone that I could discuss the fraudulent charges with. She advised me that this is the department that could help with this. I get on the line with the next guy and explain the situation and he tells me that he is attempting to collect a debt. So I cut him off and tell him that he attempted nothing. That I called him to discuss fraudulent charges. He tells me if I continue to use " profanity '' that he will have to hang up. I think I told him that treating me like a low life that doesn't pay his bills when I'm the one that called in to try to resolve this is XXXX and so to just knock it off and let 's figure out the fraudulent charge issue. I didn't curse him out. I didn't call him names. We're all adults here and we all know what XXXX is. He continued to try with his attempt to collect a debt XXXX and once again I pushed back, without " profanity, '' and I was then hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 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: NJ

Complaint narrative:
I AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.

Company response to consumer: Closed with explanation