vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-25 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: GA

Complaint narrative:
On XX/XX/XXXX, I phoned Experian and spoke with a wonderful Experian employee. I explained that I have repeatedly challenged an incorrect account on my credit report and that it has not been deleted. I also explained to her that since I have disputed the account so many times the system will not allow me to open another dispute so I had to resort to calling in order to open another dispute. The account is provided by XXXX XXXX XXXX. She opened my dispute and after talking with her, I felt it would eventually be removed since I have a history of paying my credit card balances off each month. 

On XX/XX/XXXX, I received an email stating that the dispute had been verified and my score was down. I do not know how Experian got proof of a factory reporting company such as XXXX XXXX XXXX verified a debt that is not mine. I reported XXXX  XXXX XXXX to CFPB in XXXX : XXXX and then again in XXXX CFPB number XXXX. I also reported the original creditor XXXX XXXX XX/XX/XXXX CFPB number XXXX. I received a response from XXXX, a XXXX XXXX Senior Specialist, Corporate Consumer Relations about my concern and spoke to her. Subsequently, XXXX  and XXXX, and Experian took XXXX out of my credit report. XXXX XXXX XXXX  have deleted XXXX  XXXX XXXX from my credit report. 

I went to the source of the issue, XXXX, and I was able to get it resolved with them they removed the negative information from my credit file. XXXX, subsequently sold incorrect information about me to XXXX  XXXX XXXX before they removed my information from their database which is the cause of my nightmare. If I had spoken to XXXX from XXXX prior to them selling an incorrect file to XXXX  XXXX XXXX, I would not have XXXX XXXX  XXXX showing in my credit file.

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 2021-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BBVA FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I logged into my mobile app and looked at my checking account. I noticed two charges on my account and i went to look for my debit card, which it had been stolen out of my wallet. I called SIMPLE and reported the debit card missing and the fraudulent charges, i was informed that i needed to wait for the charges to post to my account and no longer be in the pending status. While i was ending the call and before they cancelled my card a 3rd charge became pending in my checking account. so now it was a total of 3 charges that were pending and one that had already gone through. After receiving my new card i would be checking my account waiting for the charges to clear and not be in pending status any longer. so i could call and file the fraud claim. After i filed the fraud claim i waited for the investigation to finish and for the funds to be put back into my account. I received the outcome of the investigation today and they said they made a final determination on my dispute claims and based on our investigation, we have concluded that no error occurred ; therefore, no funds will be credited to your account and that this matter is considered closed. 
The reason for denial is stated The cardholder was active in the account at the time the disputed activity took place, logging in simultaneously with the disputed charges also that there were no excessive PIN declines. Let me just say that whoever stole my card obviously didnt know my PIN number and therefore they used the Credit option, hence the reason why the transactions were pending for so many days. i was logging in simultaneously due to the fact that i was checking to find out when the charges would no longer be pending and they would post to my account so that i could file the fraud charges and they could begin working the investigation. I have reached out To SIMPLE asking for a detailed log of everytime i was logged into the system and from which device, either my cell phone or computer. i have asked for the paperwork to which they used to come up with the findings of the investigation. I am going to be seeking legal action again SIMPLE and would love to find out how many other people have had fraudulent charges on their accounts but SIMPLE refuses to refund them the money???? This i will be taking to my Attorney Generals office as well to see if this is something they can investigate or look into as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: GLA Collection Company, Inc.
State: KY

Complaint narrative:
as I checked my credit report, I noticed some of inaccuracy with the late payments and this is completely an FCDA false reporting Violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: CCS Financial Services, Inc.
State: KY

Complaint narrative:
as I checked my credit report, I noticed some of inaccuracy with the late payments and this is completely an FCDA false reporting Violation.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
I contacted the national credit adjuster and the offered me a settlement of XXXX and it had to be paid by XX/XX/XXXX. I made to separate payments XXXX and XX/XX/XXXX and when I tried to dispute it they are saying i still owe XXXX dollars and when I tried to get on there website to see what the reason is for the balance it is saying it is locked for security reasons but it was open when I made the payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
AD ASTRA REC is claiming that I owe them {$670.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: WA

Complaint narrative:
We started to apply for 2 refi loans in XXXX and prepaid XXXX dollars. We spent 3 months trying to refi with them and it was a complete cluster. Multiple requests for the same docs already provided, turn and burn sales strategies and an apparent lack of knowledge when it comes to tax filings. We had a closing scheduled 3 times and they pulled out at the last second. For this great service, you get to pre-pay a fee, which they will never return when they XXXX up.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
I contacted the national XX/XX/XXXXand the offered me a settlement of XXXX and it had to be paid by XX/XX/XXXX. I made to separate payments XXXX and XX/XX/XXXX and when I tried to dispute it they are saying i still owe XXXX dollars and when I tried to get on there website to see what the reason is for the balance it is saying it is locked for security reasons but it was open when I made the payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: IN

Complaint narrative:
Equifax has failed to send dispute results and is reporting the following items inaccurately ( see below ). This violates the FCRA. 

ACCOUNTS XXXX XXXX XXXX XXXX not mine XXXX  XXXX XXXX XXXX not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Credit bureaus have failed to send dispute results and is reporting the following items inaccurately ( see below ). This violates the FCRA.

ACCOUNTS XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine

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 2021-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc.
State: AP

Complaint narrative:
Hello, Using binance.us/en/buy-sell-crypto, I purchased XXXX. I bought over the course of several days and mistakenly incurred a " chargeback '' ; I thought I had more in my bank account with US Dollars than I actually had. I purchased XXXX without keeping track of my starting value in the bank account. I expected that the system would keep track well enough for me, as I was not making purchases more than once a day. That was an honest mistake and it was my fault. Binance.us locked my account, not allowing purchases or withdrawals until the chargeback was taken care of. No negative account was visible ; I had to contact customer support and wait over a week to find that the corrective action was to deposit {$5000.00} US Dollars. After learning this, I made two deposits, one of {$200.00} and another of {$4800.00}, which satisfied the requirement. My bank account shows that the money was sent to Binance.us. I contacted customer support and requested my account be unlocked. I followed up by replying to a support ticket email numbered XXXX on XX/XX/2021 stating that I had made the deposit and requested the account be unlocked. I have had no response and opened another ticket numbered XXXX on XX/XX/2021. Throughout this period of time starting with the first support ticket opening, I have attempted to contact binance.us support through twitter @ binanceushelp ( my account being @ XXXX ) to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: NY

Complaint narrative:
I had cash app and as being scammed asked for payments to be frozen but not security features were available besides dispute transaction. I did so and told 2 days later no fraud was committed. Ended up in the hospital for months in ICU and XXXX XXXX, when able I tried to reopen the case which was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: BTH Management
State: TN

Complaint narrative:
These accounts have been transferred or sold. According to my findings, I am no longer responsible for this alleged debt, there is also no written communication, contract, or signature. A bill without a signature does not imply that the debt is legitimate, and anyone may submit a bill and claim ownership. They have violated my consumer rights, and I am seeking legal action to have them removed. I don't owe this debt so this is clearly a violation of the FCRA section 602 ( a ) & FDCPA section 809 if you can not validate the debt, you must request all credit reporting agencies delete the inaccurate information from my credit report IMMEDIATELY!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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:
simply they are difficult to get anything done, I cant get a mailed response from this credit agency after sending several complaints. I call and sometimes get through after holding XXXX XXXX min, get disconnected and other times be told I have to mail in my complaint or use their website and get error messages of all sorts. Furthermore, I feel these kinds of issues is to discourage me from enacting my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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:
Transunion has had something in progress since lest year, I cant get a mailed response from this credit agency after sending several complaints. I call and sometimes get through after holding XXXX XXXX min, get disconnected and other times be told I have to mail in my complaint or use their website and get error messages of all sorts. Furthermore, I feel these kinds of issues is to discourage me from enacting my rights under federal law.

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 2021-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: NY

Complaint narrative:
I have been trying to close any XXXX XXXX XXXX account on my file and they just keep reporting more late payments and adding money to the balance. I do not have any accounts with XXXX XXXXXXXX and they are destroying my credit! I need this company stopped and banned from inquiring or placing any more fraudulent information on each and all my credit files. Per the FCRA, I require immediate removal of these accounts from each of the credit bureaus and any other associates to remove all this information immediately. They are just making up remarks and reporting them whenever they see fit, and creating enormous problems for my finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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 — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: RI

Complaint narrative:
I see multiple XXXX days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2021-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax and XXXX  should not be reporting me as an Authorized User on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted XXXX XXXX XXXX  as well as the bureaus to remove this account however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item need to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: Autovest, L.L.C.
State: MN

Complaint narrative:
Such as I viewed my credit report and noticed an account that i have never applied for nor had communication with.

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 2021-03-25 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX  ; Experian and XXXX  should not be reporting a collection/chargeoff in the amount of {$530.00} on the XXXX  XXXX  partial account number ****2426. ( Please see page attached from my credit report. ) This account is over ( 7 ) years old and should not be reporting at all. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax and Transunion should not be reporting me as an Authorized User on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. This account is also over ( 7 ) years old and should not be reporting at all. I have contacted XXXX XXXX as well as the bureaus to remove this account however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item need to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: Commonwealth Financial Systems, Inc.
State: TN

Complaint narrative:
These accounts have been transferred or sold. According to my findings, I am no longer responsible for this alleged debt, there is also no written communication, contract, or signature. A bill without a signature does not imply that the debt is legitimate, and anyone may submit a bill and claim ownership. They have violated my consumer rights, and I am seeking legal action to have them removed. I don't owe this debt so this is clearly a violation of the FCRA section 602 ( a ) & FDCPA section 809 if you can not validate the debt, you must request all credit reporting agencies delete the inaccurate information from my credit report IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: CURO Intermediate Holdings
State: TN

Complaint narrative:
These accounts have been transferred or sold. According to my findings, I am no longer responsible for this alleged debt, there is also no written communication, contract, or signature. A bill without a signature does not imply that the debt is legitimate, and anyone may submit a bill and claim ownership. They have violated my consumer rights, and I am seeking legal action to have them removed. I don't owe this debt so this is clearly a violation of the FCRA section 602 ( a ) & FDCPA section 809 if you can not validate the debt, you must request all credit reporting agencies delete the inaccurate information from my credit report IMMEDIATELY!

Company response to consumer: Closed with explanation