vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-11 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: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
Dear Sirs, I have tried to open a bank account back in XX/XX/XXXX. I was denied multiple times by different banks. upon check on the problem of denial, I had seen that there is a " suspected Fraud '' notating by XXXX  XXXX XXXX on my Chexsystem report. I remember having a checking account with XXXX  XXXX  XXXX, never had an issue of any kind. XXXX  XXXX XXXX sent me a letter back in XXXX stating that they will be closing my account without any further notice. I had no problem with that, however, XXXX reported " suspected Fraud on my Chexystem  report which is currently not allow me to open any checking account with any other Bank. 

In XXXX, I disputed the reported directly with Chexsystem, The reporting was updated to " Settled in Full ''. I'm not aware of any amount I owed to XXXX  XXXX XXXX that lead to be settled. In XXXX, the Term was updated to " Settled in full '' and consumer disputes the reported information. Early XXXX, I called Chexsystem and asked them to remove the inaccurate reporting. The rep of Chexsystems stated that XXXX  XXXX XXXX is supposed to remove the reporting. 

I mailed XXXX  XXXX XXXX ( address listed on the report in XXXX FL ) in XXXX to request evidence or at least clarify any of the reporting. Never gotten a response after 60 days. Then I decided to call the number of the department responsible for the reporting, I was transferred to Fraud department, then to Risk Department, then to Closure department. None of these was able to specifically tell me why this reporting is remaining on my consumer report nor why it was reported initially. 

I'm attached a copy of my latest chexsystem dated XX/XX/XXXX report showing the " suspected Fraud, settled in full, consumer disputes reported data.

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 2021-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I have over-draft privileges at the Bank of America yet one of my checks was dishonored by a merchant who then charged me {$35.00} for the dishonored check! 

I have repeatedly complained to the Bank of America that it does not honor my overdraft privileges. 

I have repeatedly complained to XXXX XXXX XXXX, Bank of America, XXXX, New Jersey and to his branch manager. 

But still the Bank of America does not abide by my overdraft privileges. 

THEREFORE, I am commencing a lawsuit for {>= $1,000,000} for the severe damage done to my credit standing with that merchant who now refuses to accept any of my checks. 
This lawsuit shall be commenced in both state and Federal court! Plus interest. Plus court costs. Plus the other costs of the litigation. 


XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PS : Complaints shall be filed with Congress, The White House, and the Comptroller of the Currency. And with the XXXX XXXX XXXX XXXX as the Bank of America is listed on it under the stock symbol BAC

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 2021-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VT

Complaint narrative:
I have now received more than XXXX piece of mail regarding debt that is not mine. I am trying to clear my credit and I believe someone has stolen my identity. 

As you can see on these statements just received the dates are XXXX. There is an odd amounts for limits {$550.00}, there are no charges explained, these are both fraudulent bills. 

I have had previous accounts that were dismissed due to not being mine. 

I have a credit card with Capitol One and this is not it. I do not own this account, nor did I open this account. 

The attached does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT :

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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: TOYOTA MOTOR CREDIT CORPORATION
State: MD

Complaint narrative:
this account with Toyota was in a bankruptcy that was dismissed when the bk was dismissed I sent in the payment to pay in full how Toyota is showing i was XXXX  days late and XXXX late... also they're reporting old late pays that should of been removed from credit... I want to to update my credit report or show when my bk was dismissed versus when I paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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: MD

Complaint narrative:
This is XXXX XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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 have been trying to get the credit bureaus to validate these inquiries as I don't recognize any of them. I have requested by certified for the bureaus to send me signed documents from me authorized these inquiries. All I get is " updated/ Factual '' as a result of their investigation. What does this means? This is not evidence or proof. By law all information on this report must be verifiable. If the bureau can not please direct them to delete it from my report. 
XXXX XXXX XXXX XXXX, 2021 XXXX XXXX XXXX XXXX XXXX, 2021 XXXX  XXXX, XXXX XX/XX/2021 XXXX XXXX, XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc.
State: CO

Complaint narrative:
Colorado XXXX XXXX sent me to a collection agency without any notice that they were going to do so. I was renting a home and the last bill for {$180.00} was for XXXX. I moved from the rental property in XXXX of XXXX. I had ALL mail forwarded to me through the US postal service. The forwarding process was successful and I received all other bills and mail from other vendors. I NEVER received any mail, email or telephone call from XXXX XXXX requesting this amount. My email address was listed on my account associated with the rental property utilities, and still no notification. They claim they sent me mailed notifications to my parents address, I never lived at my parents address and they never received a notification from them. I do not know why they would send it to my parent 's address, it was NOT even listed as the mailing address on my account, according to a XXXX XXXX customer service rep I spoke with on XX/XX/XXXX. I had never missed a payment in any of my previous dealings with the utility company with any other property in which I lived in XXXX  XXXX, which has been for decades! The first time I knew of this outstanding bill was when the collection agency got ahold of me. I payed the collection agency the day I found out about it, just like I would have done if I knew I had an outstanding bill with 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 2021-11-11 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: WA

Complaint narrative:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC
State: OH

Complaint narrative:
This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company was trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, it's not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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: MD

Complaint narrative:
On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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: NC

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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: AZ

Complaint narrative:
MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT 1 LATE PAYMENTS THAT IS NOT TRUE AND ACCOUNTS THAT SAY CHARGE OFF THAT ARE NOT ACCURATE, ALSP A CHAPTER XXXX LISTING I NEVER FILED. ALSO PREVIOUS ADDRESSES THAT NEED TO BE DELETED, AND 2 EMPLOYERS THAT ARE NOT FACTUAL THAT NEED TO BE DELETED. A LETTER OF EXPLANATION IS ENCLOSED THIS IS THE 3RD TIME I AM SUBMITTING THIS ONMY OWN ANDEITHER THE CFPB OR TRANSUNION SAID IT IS NOT FROM ME IT IS JUST A STALL TACTIC SO PLEASE RE SUBMIT THIS AND DO YOUR JOBS

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I opened a dispute back in XX/XX/2021 regarding an airfare with XXXX XXXX. I obtained a temporary credit pending investigation. The airline company fought the dispute and won and so Wells Fargo billed me for the ticket and I had to go through XXXX XXXX refund process. To my surprise, XXXX XXXX is stating that my bank did a reverse charge back so I was already refunded yet Wells Fargo is saying that they did return the money into XXXX XXXX bank account so I should check with them. I have been going back and forth, asking Wells Fargo to help me dealing with the matter by showing proof that the money was indeed return to XXXX XXXX but to no avail. I have asked multiple times for the past 2 months and keep getting false promises that they will E-mail me the letter but they never do. XXXX XXXX is denying it and Wells Fargo is not convincing so who is not being truthful? I want my money back!

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 2021-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: WA

Complaint narrative:
On XX/XX/2020 hackers accessed my XXXX account and three unauthorized orders of cell phones from XXXX were purchased using my HSBC debit card. 

None of these orders were authorized. 

See all three orders attached. Note that one was caught as fraudulent and canceled by XXXX ( when they froze my account as it was hacked ), one was disputed and refunded, and the last was not refunded. Another order was refunded after I initiated a dispute. The third order, for {$960.00}, was disputed, but denied in dispute by HSBC. 

It should be very obvious to HSBC that I would not purchase 3 phones in the span of 2 minutes at XXXX in my local time. This is why XXXX recognized my account had been accessed without authorization and froze my account and reset my password. 

In HSBCs response to me, HSBC made note of the sellers response, but did not reference my letter or evidence provided to HSBC previously. 

This is very obviously a fraudulent purchase and should be refunded in full, as I noted in my many letters to HSBC. No refund was given. 

Im attaching multiple conversations with XXXX customer support, and the merchant, where I alerted them to the fraudulent purchases. Refunds were issued for the {$1000.00} and {$690.00}, but not for {$960.00} as the merchant has been uncooperative. 

HSBC refused to refund the amount and ignored my many letters and didn't return my many phone calls and voicemails.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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 have been trying to get the credit bureaus to validate these inquiries as I don't recognize any of them. I have requested by certified for the bureaus to send me signed documents from me authorized these inquiries. All I get is " updated/ Factual '' as a result of their investigation. What does this means? This is not evidence or proof. Please have them delete these unauthorized inquiries. 

XXXX/XXXX XXXX ( Auto ) XX/XX/XXXX XXXX/XXXX XXXX ( Auto ) XX/XX/XXXX XXXX/XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX ( Auto ) XX/XX/XXXX XX/XX/XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: FL

Complaint narrative:
Account Number : XXXX I am in my final third year of the post discharge monitoring period, Nelnet is responsible for sending me the form to complete of documentation of earned income which is due in XX/XX/2021. As of yet, Nelnet has been negligent in sending me this form. Also, as of XX/XX/2021, I verified with XXXX at Nelnet that they have corrected my address to reflect : XXXX XXXX XXXX, XXXX XXXX FL XXXX. 
Why hasn't the form been sent?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
I have two outstanding collection accounts with Portfolio Recovery Associates. I was sued two times in small claims court by PRA, both cases were dismissed by the courts. Portfolio Recovery Associates continues to report the collection accounts to the credit bureaus and refuses to remove the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I had an collection account with NFCU and it was settled back in XX/XX/2021 this is my second complaint pertaining to this matter because one of the accounts is still reflecting derogatory in the status and still effecting my credit in a negative way. This is past the 90 days to have it fixed properly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Chime Financial Inc
State: PA

Complaint narrative:
On XX/XX/XXXX my Chime account was suspended without any notice. Called to see why they closed my account and all they could tell me was they needed documents to verify my address change. Never really used this card but its been active since XXXX for the purposes of taxes and child tax credit. After finally fixing XXXX and XXXX taxes to be direct deposited. They close account with no explanation. Sent all documents by fax as requested XX/XX/XXXX with no response after. Only direction given was to wait 30 days. Filed a complaint with XXXX. Called again XX/XX/XXXX and at this time was sent a formal email on why they suspended the account. Stating they suspended account due to to many transfers via XXXX XXXX totaling over XXXX dollars between XX/XX/XXXX and XX/XX/XXXX and they needed a explanation. I sent documents of proof of identity and explanation of all money spent. Which was no were near the amount they have provided. XXXX XXXX history to confirm that. Again sending the documents to both emails provided one of which was given in email Chime sent. XX/XX/XXXX got email from Chime that they received all documents sent and they would be under review by XXXX XXXX XXXX  within two days maybe longer if extra documents needed. Called again XX/XX/XXXX for update from Chime to still be told just got to wait with no time frame to be provided. They confirmed all documents had been received as well. Called XXXX XXXX who refuses to speak on the account. 

Dont understand why all money is frozen. No resolution after sending documents three times. Filed a complaint with XXXX  still no resolution just to escalate complaint. Chime says The XXXX XXXX needs to review and needs documents but The XXXX will not discuss or take any credit for suspended card account. Stuck in the middle even with legitimate explanation and documents. Please help. Running out of options. Majority of funds on account are XXXX and XXXX taxes. Child tax credit payments for my child. This has been explained multiple times. XX/XX/XXXX had a reasonable move and during time in question most transactions were made to furnish my familys new home. Feeling very helpless and taking advantage of. 

Added documents but kept out attachments of documents they requested for privacy purposes. 

XXXX XXXX

Company response to consumer: Closed with explanation