vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-19 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I have asked both XXXX MCM, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX to correct the information on my report. This account has been paid off and I was promised a DELETION of this tradeline. The account was closed, then I paid this account off on XX/XX/2020. This account is still showing as an open balance on my XXXX  report, and possibly all of my credit reports XXXX XXXX and XXXX  XXXX! The refusal for these companies to correct their reports has COST ME ALOT in higher interest fees when I have tried to apply for credit! will these 3 companies be paying back the financial damages they have caused my credit???? Or will they be deleting the tradelines of MCM/XXXX XXXX XXXX XXXX XXXX?

It is totally unfair that I should have to wait TEN MONTHS for the correction after I was promised it would only take 30 days!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
This company is attempting to collect money I do not owe this is a falsified debt and also I tried to contact this company and they began to threaten to sue me and they were very disrespectful to me. I asked to see proof of contract between me and the original creditor to see what was going on they didnt send any information I also asked to see proof of the original lease agreement I never received that as well. This is a clear violation of the FCRA and FDCPA they are using untruthful and unfair tactics in order to scam me out of money. I want to see all of the necessary proof that I requested which is my right and failure to produce those documents within 30 days could very well result in a lawsuit in which I will seek compensation for the damage that this company is doing to my life and my credit report. I want the original signed contract by me also I want the original lease agreement signed by me also I want to see the payment history between me and the alleged landlord or company that rented the place as wel as a copy of my ID Card used to obtain this service or property and my SSN card. They have violated numerous of my rights once they threatened me and tried to lie as if I really owed them this amount of money when I do not this is not my debt at all I am also requesting copies of the original security deposit receipt and the proof reimbursement receipt as well

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 2021-06-19 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: CA

Complaint narrative:
There are accounts on my credit report that were open fraudulently by a former partner who was abusive towards me. These accounts are reporting on my credit report with Experian, XXXX, and XXXX  and want them remove as I never consent for the accounts to be open. Having these accounts on my credit report cause me XXXX  and traumatized me since I was a victim of domestic  violence as well as identity theft. 

The accounts reporting on my credit report include : XXXX XXXX  XXXX account shows paid off XXXX XXXX  XXXX account shows paid off XXXX XXXX XXXX XXXX account shows paid off XXXX XXXX XXXX- account shows paid off XXXXXXXX XXXX XXXX XXXX XXXX  XXXX account shows paid off XXXX XXXX  XXXX which was formerly own through XXXX XXXX - collections XXXX  XXXX XXXX - Balance of XXXX XXXX XXXX- Original debt XXXX was paid off XXXX XXXX  XXXX Amounts of XXXX and 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 2021-06-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
I have a recurrent monthly charge being placed on a Bank of America credit card from XXXX  for {$19.00}. This has occurred for 3 years. We have repeatedly call and filed a fraud alert with BOA and XXXX  has repeatedly said we have no account with them. So far BOA has not refunded these fraudulent charges and suggested we contact your site.

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 2021-06-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: MS

Complaint narrative:
I had a older account with Credit Acceptance and was able to pay off as quickly as I could. I called for a good will delete and there being difficult. I paid ahead in the months of XXXX, XXXX and payed off loan in XXXX of XXXX. I now currently have a new loan since XXXX of XXXX  and Im current with my loan. 

Thanks, 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 2021-06-19 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: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/2021 I sent an Affidavit of Truth, FTC report, dispute letters and invoice for violations in accordance with the Fair Credit Reporting Act. According to law, if my Affidavit of Truth does not have a rebut within thirty ( 30 ) days of date of receipt shall convey assent to, and agreement with all the facts within the Affidavit and invoices shall be payed in full. To prevent being charged for actual damages and/or criminal charges, a rebut of the Affidavit or removal of items in dispute letter and payment of invoices shall be received with the thirty days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 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: PA

Complaint narrative:
THIS IS XXXX XXXX XXXX!!! I AM SUBMITTING THIS ON MY OWN BEHALF.I DO NOT HAVE A THIRD THIRD PARTY. I AM STATING THIS BECAUSE I HAVE RECEIVED REPLY BACK WITH A STALL TATIC THAT THEY USE TO PROLONG THE PEOCESS AND I WILL USE ALL DOCUMENTS IN EVIDENCE IN MY LAWSUIT. I HAVE SUBMITTED NUMEROUS LETTERS ON NUMEROUS OCCASIONS TO COMPANY AND CREDIT BUREAU AND ISSUE WAS NOT RESOLVED EXPLAINED OR VERIFY AT ALL!!! I WOULD LIKE THESE UNAUTHORIZED/FRAUDULANT INQUIRIES AND ACCONTS AND ADDRESS REMOVED FROM MY CREDIT PROFILE

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 2021-06-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rushmore Service Center, LLC
State: GA

Complaint narrative:
Rushmore Service Center continues to attempt to collect a debt they can not prove is mine. I have asked on three separate occasions for the documentation indicating my business relationship with RSC and the contract with my wet signature. RSC continues to send a copy of what looks like an old bill. They are using unfair and deceptive means to collect an alleged debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 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: CA

Complaint narrative:
There are accounts on my credit report that were open fraudulently by a former partner who was abusive towards me. These accounts are reporting on my credit report with XXXX, Equifax, and XXXX  and want them remove as I never consent for the accounts to be open. Having these accounts on my credit report cause me XXXX  and traumatized me since I was a victim of domestic  violence as well as identity theft. The accounts reporting on my credit report include : XXXX XXXX  XXXX account shows paid off XXXX XXXX XXXX account shows paid off XXXX XXXX  XXXX XXXX account shows paid off XXXX XXXX XXXX- account shows paid off XXXX XXXXXXXX XXXX XXXX  and XXXX account shows paid off XXXX XXXX  XXXX which was formerly own through XXXX XXXX - collections XXXX  XXXX XXXX - Balance of XXXX XXXX XXXX- Original debt XXXX was paid off XXXX XXXX  XXXX Amounts of XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
This has actually happened with two credit cards, XXXX XXXX and Kohl 's, and both occurred after I thought I'd submitted a payment or set up an auto payment. Both times I apparently didn't hit the confirm button, or made some other mistake because each time the payment was not received ( I have since paid the bills off, but I was charged late fees ). My question/complaint is this -- and I ask here because I can't find any information anywhere about this issue : neither credit card let me know my account was past due. Neither account let me know that a payment was not received. Had I known, I could have simply paid the bills the next day or as soon as they let me know. Are credit card companies permitted to not let customers know that they have an outstanding payment? I have alerts set up for my XXXX XXXX XXXX and my Kohl 's card, which I rarely use. They do not send me paper bills ; everything is via email or on their websites. At what point do credit card companies feel they should tell a customer that their payment is overdue? Are they allowed to say nothing until the lay payment ends up being reported? Since everything is on paper or automated now, this seems like a little loophole for companies to quietly collect late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings
State: WI

Complaint narrative:
This company is attempting to collect money I do not owe this is a falsified debt and also I tried to contact this company and they began to threaten to sue me and they were very disrespectful to me. I asked to see proof of contract between me and the original creditor to see what was going on they didnt send any information I also asked to see proof of the original lease agreement I never received that as well. This is a clear violation of the FCRA and FDCPA they are using untruthful and unfair tactics in order to scam me out of money. I want to see all of the necessary proof that I requested which is my right and failure to produce those documents within 30 days could very well result in a lawsuit in which I will seek compensation for the damage that this company is doing to my life and my credit report. I want the original signed contract by me also I want the original lease agreement signed by me also I want to see the payment history between me and the alleged landlord or company that rented the place as wel as a copy of my ID Card used to obtain this service or property and my SSN card. They have violated numerous of my rights once they threatened me and tried to lie as if I really owed them this amount of money when I do not this is not my debt at all I am also requesting copies of the original security deposit receipt and the proof reimbursement receipt as well

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc.
State: NY

Complaint narrative:
I CONTACTED REMITLY AS SOMEONE TOOK OUT MONEY FROM MY BANK ACCOUNT, XXXXXXXX  AND XXXX ON XXXX XXXX XXXX TH THAT I DID NOT AUTHORIZE NOR DID I EVER OPEN AN ACCOUNT BUT SOMEONE MUST HAVE GOT MY INFO AND DID THIS, AS I AM XXXX  YEARS OLD ON SS AND NOW I HAVE NO MONEY IN MY ACCOUNT AND I HOPE YOU CAN HELP ME WITH THIS MATTER AND GET MY MONEY BACK, THANK YOU, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I applied to a credit card with Citibank. Citibank denied me the card, stating my information on the my XXXX  credit report is does not have enough history. I actually do have plenty of history, it is just that my accounts have been closed. Before I applied, i verified with Citibank for this particular credit card I applied to, and they told me that they are accepting and approving applications this year and last year due to the Pandemic even if applicants do not have much information on credit file. However, Citibank did not keep their promise and denied my application. I am requesting an explanation as to why. 

Application ID : 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 2021-06-19 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Applied for XXXX XXXX unfreeze my TransUnion credit report for 2 days so my application would go through for my application to be processed I entered all my information correctly ( 2 ) times and XXXX XXXX card application can not verify my identity but will place inquiries on my credit bureau 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 2021-06-19 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: NY

Complaint narrative:
On XX/XX/2021 I contacted TransUnion, informing them that they are in violation of my consumer rights. Pursuant to 15 usc 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

As the consumer, I, XXXX XXXX, do not consent to any information being furnished on my report. I have stated this to TransUnion and they have informed me that the reporting on my consumer report was accurate.

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 2021-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
My former partner and a friend obtain my personal information to open an account at XXXX XXXX XXXX in XXXX at a XXXX  Event in XXXX California. The checking account they opened was unauthorized and was not open by me or I gave any consent in opening the account. My former partner was very abusive towards me and I was a victim of XXXX XXXX and identity theft. 

They misused the account and now there is an outstanding balance of over {$500.00} reporting on Chexsystems.

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 2021-06-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: BAM Management US Holdings Inc.
State: WY

Complaint narrative:
Problem : I changed phone numbers on XX/XX/2021, and I have 2 factor authentication ( 2FA ) on my Binance account. I have been trying to contact Binance Technical Support to get back access to my account ever since. I can not transfer/withdraw/deposit or do anything else with my money since this started. 

Estimated Virtual Currency Amounts : BTC XXXX BNB XXXX XXXX  XXXX XRP XXXX I would post an US Dollar estimate of these amounts, but it could change dramatically by the time you read this. 

XX/XX/2021 I changed my phone number. 
XX/XX/2021 I sent a email ( the only way to contact Binance ) asking to reset my 2FA to get access to my account. 
XX/XX/2021 I get an email saying my ticket was merged. 
XX/XX/2021 I get an email saying my ticket was merged. 
XX/XX/2021 I get an email saying that my request was received. 
XX/XX/2021 I get an email asking if I still need help, and I respond that I do. 
XX/XX/2021 I send an email saying that I will submit a complaint to the federal government if they do not resolve my issue Everything that I have seen online says that Binance is very bad at responding to these issues. If it persists, I may look into starting a class-action lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I was never late on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
A recurring payment set up through online banking, with my primary bank, fails to be processed resulting in me receiving a notice from another financial institution that a payment was not received. 

This is the second such occurrence in less than a 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 explanation
Consumer complaint received 2021-06-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
Frivolous charges were disputed after over a year on a credit card ending in XXXX. Initially, thought it was charges made my the authorized person on the account, my daughter. After a year, I questioned her and she provided proof of her own XXXX high credit card with her charges. I requested the card be closed with Chase, instead they removed my daughter from the card. They sent me another card ending like XXXX. To date, they returned all of the frivolous XXXX charges to the new card. I've kindly paid it off and again requesting both accounts with Chase credit be closed, including the XXXX card because new charges from XXXX XXXX starting to emerge. Someone has been calling me too about Chase fraud unit wanting information which I'm reluctant to give over the phone ; also, sent me an email and I refuse to click on anything. Reported this to Chase and more charges were added to the card. I believe someone working with Chase is presumably the culprit. Have read numerous reviews online too to confirm I'm not the only person this has happened to, recently. I've never had an XXXX account with XXXX. I have XXXX and have had it over a decade. Either XXXX or Chase or both conspiring to fluff their business, and this is malpractice ( s ). I want the funds returned to me that I've paid for charges I am not responsible for, and want these accounts closed-for good. No new cards to be issued as I never requested a new card be issued. They are not good for business and have repeatedly exposed my info to data breaches.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: GA

Complaint narrative:
XXXX I contacted US bank to dispute fraudulent charges. Was told my card was blocked but they continued to allow charges to go through for 2 days XX/XX/XXXX I was notified a new card was being sent XX/XX/XXXX I was notified another card was being sent XX/XX/XXXX I receive a card with the exact same number as previous card. 
XX/XX/XXXX I contacted bank and was told anothe card was issued due to mistake. They blocked this second card and told me that they would 2 day me a new card which should have arrived today XX/XX/XXXX I am told the card should arrive tomorrow XX/XX/XXXX no card is received I called and was told that there was no rush put on the card and I would have to wait for regular mail. 
Spoke to XXXX XXXX and was told I would have to wait for card and that was it or I would have to pay to wire money to a new account and pay for it. She refuses to reimburse me for this. 
I was lied to on numerous occasions and now Im sitting here with no acces to my money to buy groceries or gas meanwhile I am a single mother to a XXXX XXXX XXXX son and I need to buy groceries for him and get gas in my card. I was transferred from one person to another with no resolution to my issue. Us bank does not care about its customers and is holding my funds XXXX due to them not being able to do their job correctly. Was told that they would pull the call records and couch the banker that told me the lies. I am so disgusted. I am also 100 % XXXX veteran with XXXX and this whole situation has aggravated my condition.

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