vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
XXXX XXXX XXXX has a personal interest in the assets, funds, and property of XXXX XXXX ( XXXXXXXX )., which has it primary office at XXXX XXXX XXXX, XXXX # XXXX, Washington, DC XXXX. XXXX established a business checking account with M & T BANK. XXXX deposited monies into that checking account. XXXX stores its financial information, including account numbers, credit/debit card numbers, and access codes in its secure computer system. Though it was first believed that someone had broken into XXXX safe and stolen its M & T Bank debit card and access code it was later, after a thorough investigation, determined that it was not the actual card that was stole but rather the information on the card, which was stored in XXXX computer system. Specifically, on or about XX/XX/2021 XXXX computer system was accessed without authorization. Financial information was viewed and printed. Consequently, XXXX staff became aware that funds had been withdrawn from its M & T Bank checking account without its knowledge or authorization. A claim was filed with M & T Bank, based on the information available at that time ( which was incorrect in that the actual debit card was not stolen only its information ). On the following day, after M & T Bank received the claim, it denied it without any investigation into the incident. Internal investigation as well as police reports have been filed with the appropriate authorities. There were at least three unauthorized ATM transactions from the M & T Bank checking account. They total approximately XXXX dollars. M & T Bank has denied the request for the return of these monies. XXXX XXXX XXXX has an interest in these monies as she is the owner of XXXX. According, she files this complaint against M & T Bank. Additional details are attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My California unemployment payments are processed through Bank of America debit card, I did not have my card in month of XXXX, when I did received my card in XXXX, the payment for month of XXXX ( {$2800.00} ) was missing. Been calling B of A on daily basis since XX/XX/2021 ) and so far no resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: GA

Complaint narrative:
There is a company trying to collect debt that I do not have at all. They are attempting to collect {$140.00} I have no idea why, do not owe anything, have never seen this, and have not opened any new accounts. 

The company is : SEQUIUM ASSET SOLUTIONS, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
The year XXXX was a rough year for me. My father passed and he was the glue to the family. Most of our family members have not been found since his passing. However, after him passing I had some hardship and was struggling to even feed my family along with a host of other things. My car loan with Wells Fargo defaulted and the car was repossessed. All my car loans have been through Wells Fargo so this is my seventh or eight car where I have utilized Wells Fargo services. I asked them could they reconsider how they are reporting my loan for the year of XXXX and was denied. I have been a customer with them since the mid XXXX 's and had planned on continuing to utilize their company but would be forced to stop after this loan is paid if they don't see me as a valuable customer. Also last year when the pandemic hit they had a program where they could help you defer your loan for up to 3 months. I took advantage of that program and spoke with a representative there that told me my payments had resumed back in XX/XX/XXXX. Wells Fargo is not reporting my payments correctly. They are just now reporting a payment made in XX/XX/XXXX and I've started paying back on the loan close to a year ago now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: FIRST NATIONAL BANK OF OMAHA
State: MN

Complaint narrative:
XX/XX/XXXX received a letter from First National Bank of Omaha stating they have unclaimed property in my mothers name in the amount of XXXX. I have until XXXX XXXX to respond. I called on XX/XX/XXXX and had to leave a voicemail for Mr. XXXX XXXX to call me back. I received NO RESPONSE so I called again on XX/XX/XXXX and left Mr. XXXX my name and phone number again. I also tried the cell phone number he gave me. The people at the cell phone number I received from Mr. XXXX have never heard of hime and had no idea who he was. Third phone call placed XX/XX/XXXX. The cell phone number that appears to be wrong was given to me by Mr. XXXX own message in what must be his own voice. That gives me pause and the reason for this complaint. Please help or steer me to the correct people who can. Thank 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 2021-07-26 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Nelnet, Inc.
State: OH

Complaint narrative:
I got a call from ( XXXX ) XXXX that only lasted one ring. I looked up the number, and it appears to be spoofing another phone number. The caller, " XXXX, '' left a voicemail ( attached ) saying she was from " XXXX XXXX XXXX  '' and wanted to follow up on my " public '' loans. The number she gave to call back was ( XXXX  ) XXXX-XXXX. I know for a fact that even though my loans are set to come out of forbearance in XXXX, my loan servicers ( Great Lakes Educational Loan Services and XXXX  XXXX  ) have not contacted me. I also have never heard of " XXXX XXXX XXXX. '' I believe this is a scam for student loan consolidation/management.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I paid off a collection account and I was told by a customer representative it will be deleted when I paid it off ... I paid it off and when I called back they claim they will only update the balance ..Its still on my credit report and they lied to me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ascendium Education Group
State: TN

Complaint narrative:
This is my second attempt to get this alleged debt removed from the consumer reporting bureaus. I requested verification on the alleged debt and was not sent a valid contract with my wet signed ink signature on it and also stating I have an alleged debt with Ascendium Ed XXXX. My legal requests were failed to be met and they are in clear violation of the FDCPA. This alleged debt needs to be removed from my consumer reporting immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
On XX/XX/2021 I emailed a " notarized and " certified '' to Convergent Outsourcing, Inc. Convergent Outsourcing, Inc is in violation of several laws according to the 15 U.S Code 1692g of the Fair Debt Collection Practices Act. A debt collector can not say I owe alleged debt, it is a violation and seeking remedy for damages inflicted on me. This debt is not mine. Additionally, Convergent Outsourcing, Inc never sent a notice 5 days before the account was placed on my 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 2021-07-26 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: KY

Complaint narrative:
I recently obtained a copy of my credit report and saw many fraudulent accounts on my 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 2021-07-26 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: Chime Financial Inc
State: TN

Complaint narrative:
I had duplicate charges from merchant XXXX XXXX XXXX, I filed a dispute and XXXX closed my account. I filed a dispute with Chime and Chime came back stating that the dispute was denied and that I did not provide enough information and that the merchant never responded to them. It is not my fault that the merchant never responded to them however I did respond with all information that they needed and I have sent in another request for rebuttal and they will not respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I tried calling Experian about credit inquiries I don't recognize and they're claiming I can't dispute hard inquiries but there's quite a few inquiries I don't recognize on there.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RockLoans Holdings LLC
State: TN

Complaint narrative:
This is my second attempt to get this alleged debt removed from the consumer reporting bureaus. I requested verification on the alleged debt and was not sent a valid contract with my wet signed ink signature on it and also stating I have an alleged debt with XXXX XXXX. My legal requests were failed to be met and they are in clear violation of the FDCPA. This alleged debt needs to be removed from my consumer reporting immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: Waterfall Revenue Group
State: NJ

Complaint narrative:
the accounts below, which appear on my credit report, are not mine, please check them. 
Identity Theft N/A Account Number : XXXX This is not mine. 

2. Identity Theft N/A Account Number : XXXX This is not mine. 

3. Identity Theft N/A Account Number : XXXX This is not mine. 

4. Identity Theft N/A Account Number : XXXX This is not mine. 

5. Identity Theft N/A Account Number : XXXX This is not mine. 

6. Identity Theft N/A Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft WATERFALL REVENUE GROU Account Number : XXXX This is not mine.

3. Identity Theft WATERFALL REVENUE GROU Account Number : XXXX This is not mine. 

4. Identity Theft WATERFALL REVENUE GROU Account Number : XXXX This is not mine. 
Identity Theft WATERFALL RE Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: KY

Complaint narrative:
I recently obtained a copy of my credit report and saw many fraudulent accounts on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: MS

Complaint narrative:
Equifax and XXXX  reported the bankruptcy was verified through XXXX XXXX and the courthouse, both entities report they have NOT verified this information with either party. XXXX  has refused to re-investigate this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: IL

Complaint narrative:
there are fraudulent accounts and inquires listed on my credit report, i am writing this to delete and remove those things off my report. i am a victim of identity theft i've already sent letters to try and solve this problem and it is heavily affecting my life. I've included my FTC report and identity theft affidavit along with the letter that I've sent to the credit bureaus

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: IL

Complaint narrative:
there are fraudulent accounts and inquires listed on my credit report, i am writing this to delete and remove those things off my report. i am a victim of identity theft i've already sent letters to try and solve this problem and it is heavily affecting my life. I've included my FTC report and identity theft affidavit along with the letter that I've sent to the credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I wrote the three credit bureaus, XXXX XXXX  and TransUnion on XX/XX/2021. I sent my disputes certified mail. None of this companies have responded in the past 30 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: FL

Complaint narrative:
I wrote the three credit bureaus, XXXX, Equifax and XXXX  on XX/XX/2021. I sent my disputes certified mail. None of this companies have responded in the past 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: CA

Complaint narrative:
These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XXXX. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
The title loan account was opened in XX/XX/2015 the company did not disclose that they were reporting payments to the credit bureaus, this was optional at that time according to the advertisements, the employee at the store made this determination on my behalf without consent. They are a predatory lender with a much higher interest rate than advertised. They violated XXXX, falsely advertised, and represented rates making it impossible to meet the terms as a consumer. They tried to keep the vehicle as it was in their possession from the time the loan was in place. The loan defaulted, once defaulted we paid the loan in full plus any fees they charged. These fees were never provided upfront or officially disclosed in any documentation, it had to be what they said we needed to pay plus storage fees and other bogus fees. XXXX would not give us the location of the vehicle after payment, we had to go to several local warehouses to try and locate the vehicle on our own with little to no cooperation. This company takes advantage of consumers. I have disputed XXXX 's credit reporting practices over the last 3 years countless times and they continue to falsely report when they were not authorized.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Performance Management, LLC
State: LA

Complaint narrative:
I had an account with XXXX XXXX. The service was absolutely horrible. My service went out and was out for literally 2 months. It was coming upon my contract ending in a few weeks when I call them to end the contract early. I was told that I still had 2 weeks on my contract and that I would have to pay early termination fee of XXXX dollars. I agreed to the XXXX dollars and paid that during the conversation on the phone. They then proceeded to tell me that I had a bill for the services that I kept calling them about and telling them that I did not have services for 2 months. They kept telling me that I needed to pay a XXXX dollar service fee for them to send someone out to check my service so I refused to pay and terminated the service early and paid the early termination fee he said that I owed. Later they put a XXXX dollar collection on my report. I wasn't paying them for services that I wasn't receiving and wasn't going to pay them a XXXX dollar service fee for their equiptment to be serviced. They sent a box for me to send the equiptment back and I sent everything back to them also.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: LEXISNEXIS
State: CA

Complaint narrative:
( LEXIS NEXIS ) THIS IS MY 3RD ATTEMPT CONTACTING YOU.YOUR REPORTING INFORMATION THAT IS HARMING MY PERSONAL LIFE WHICH IS INVADING MY PRIVACY.YOU AND YOUR CORPORATION NEVER SENT ME A LETTER TO LET ME KNOW NOR HAVE I ( XXXX XXXX ) GAVE YOU CONSENT TO SHARE MY INFORMATION WHICH IS A VIOLATION 15 U.S. Code 6802.ALSO IT IS A VIOLATION OF 15 U.S. Code 1681 YOUR COMPANY DIDNT exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.15 USC 1681b a consumer reporting agency may furnish a consumer report under the following circumstances and no other To a person which it has reason to believe or In accordance with the written instructions of the consumer to whom it relates. You have 30days from when you received this letter to respond back if you do not respond I will be force to take actions for the said violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Arena Investors, LP
State: MO

Complaint narrative:
Received letter from North Shore Agency that says it's collecting for XXXX XXXX XXXX. Number provided for North Shore Agency never lets you speak to a real person. I tried contacting XXXX XXXX XXXX directly and they say they don't have access to the information about such debts. We don't recognize the company name and the XXXX  listing for North Shore Agency makes me think this is just a scam they use to target people into paying money on debts that aren't theirs.

Company response to consumer: Closed with explanation