vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Walmart capital one added that I was late XX/XX/2021 when I had a auto payment scheduled. Regardless the fact I have two payments paid that month overall there excuse when I talked to them was that because the auto payment wasnt enough cover the exact amount needed be paid it showed as I didnt pay which is not my fault because I have them on auto payment and they should be okay with raising it if needed if I supposedly owe more not wait and give me bad remark and I always pay everyone I have no other negative remarks on my credit cards. I want keep it professional keep my 7 year relationship with them. I called tried speak for help three times last day was today XX/XX/XXXX and they stated they cant do anything about it. They wanted me send them what my credit report was saying because they are stating they did not add that I had a late payment. this is only negative thing on my account Im thankful for my partnership want to make it keep lasting but I would need help assisting me with this issue. I would really appreciate that this is removed from my credit report. I make all my payments on time and very grateful. Im just very confused why they keep saying they never reported it as a late payment when all my apps clearly state late. This is not right judgement i am very unhappy with them not making sense if autopay wasnt enough there system shouldve been the ones to update it they have my approval through autopay! I am not getting this!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 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: CA

Complaint narrative:
There are multiple multiple accounts on my credit report that are not mine I have tried going thru the ftc systema writing to the bureuas calling them going thru the furnishers and calling them and nothing is breing done this is criminal to have these items on my account when they dont belong to me!!!!! 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : US DEPT OF ED/XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : U S DEPT OF ED/XXXX/XXXX Account Number : XXXX Reason : This is not my account Account Name : U S DEPT OF ED/XXXX/XXXX Account Number : XXXX Reason : This is not my account Account Name : U S DEPT OF ED/XXXX/XXXX Account Number : XXXX Reason : This is not my account Account Name : U S DEPT OF ED/XXXX/XXXX  Account Number : XXXX Reason : This is not my account Account Name : U S DEPT OF ED/XXXX/XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : U S DEPT OF ED/XXXX/XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account

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 2021-06-16 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 multiple multiple accounts on my credit report that are not mine I have tried going thru the ftc systema writing to the bureuas calling them going thru the furnishers and calling them and nothing is breing done this is criminal to have these items on my account when they dont belong to me!!!!! 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : US DEPT OF EDXXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : U S DEPT OF ED/XXXX Account Number : XXXX Reason : This is not my account Account Name : U S DEPT OF ED/XXXX Account Number : XXXX Reason : This is not my account Account Name : U S DEPT OF ED/XXXX Account Number : XXXX Reason : This is not my account Account Name : U S DEPT OF ED/XXXX Account Number : XXXX Reason : This is not my account Account Name : U S DEPT OF ED/XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : U S DEPT OF ED/XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: American Credit Acceptance, LLC
State: FL

Complaint narrative:
I have been with American Credit Acceptance for my car loan for 25 months, out of those 25 months I had 4 late payments in which I reached out to the company to make a payment plan or get assistance due to the corona virus pandemic. American Credit Acceptance told me over the phone there was nothing they can do, even though we are in a global pandemic and I have XXXX children. These four late payments are from XXXX, XXXX, XXXX and XXXX of XXXX, in which each late payment was individual not consecutively four months straight. The car payment was still made every single month just late. Prior to XX/XX/XXXX and after XXXX of XXXX I have not had a single late payment. My loan original date started in XXXX of 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 2021-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I received a letter saying you guys were going to close all 3 of my accounts on XXXX XXXX with no explanation. Ive been a client for 5 years

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Continental Finance Company, LLC
State: IN

Complaint narrative:
On XX/XX/ 2021 at approx. XXXXXXXX XXXX this company called and harrassed my mother trying to locate me. No family members numbers where ever given. This company said they were XXXX XXXX  and repeatedly tried to get a phone number from relative. When I called the number they provided, they said they were " administration '', once they verified it was me calling, then they said they were a law firm trying to collect a debt that was {$790.00} when debt owed was just over {$500.00}. They have continued to call my number up until XXXX XXXX several times a day.

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 2021-06-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
my name is XXXX XXXX XXXX XXXX XXXX XXXX and PayPal closed my account for no reason and will not help me with getting it back up and going. i am not sure if this is some mistake as i assume it has to be since i never did nothing wrong with my 14 years old account. i have not been able to get help from them for weeks but i just remembered i could file a report on here as i feel they are not doing their job properly and it is effecting me a great deal as i used PayPal quite frequently. My email linked to PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
XX/XX/2021 attempted to purchase a new vehicle. When dealership ran credit check my score came back a zero. Contacted Transunion in regards to the zero credit score and they verified my information and then told me nothing was wrong. Would not provide me further information or give me what my score was so that I would be able to complete the loan application for the new vehicle.

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 2021-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XX/XX/XXXX, a cashier check ( {$11000.00} ) was deposited to my account by a potential client, and several hours later, on the SAME day he asked for a refund in cashier check. The reason he wanted a refund was verified to be a false statement. As a credit risk personnel with 15 years banking experience, I know I was at the risk of cashier check scam. 
I requested Wells Fargo to cancel the transaction and investigate the check on XX/XX/XXXX, and 15 days later, I still havent got an update after multiple phone calls to Wells Fargo. 
What is even more frustrating is that my case seems to fall into the cracks : I got a reference number XXXX on XX/XX/XXXX. I was told it didnt enter the system on XX/XX/XXXX and I was given the 2nd reference number XXXX. On XX/XX/XXXX, I was told the first two claimed didnt enter the system and I was given the 3rd number : XXXX. A couple days later, a letter saying the claim number was routed to the wrong department, then I was given a 4th number : XXXX. Why is it so hard to register a claim? Is there any body actively working on the investigation? 

I would like to know when I can hear the final investigation results. And Ill need the result in written. Thank you very much for your help.

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 2021-06-16 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I was scammed on Saturday, XX/XX/2021. I immediately reported to American Express that my card from them had been compromised and to stop all charges made that day. I called the police department and filed a report with them on th same day. I called and gave the police report number to American Express and they then told me that I would have to wait on them to investigate. I never heard back from them. I proceeded then to write a letter to them and sent it to 3 different American Express offices. The first was sent to American Express, XXXX. XXXX # XXXX, XXXX XXXX, CA XXXX. The second to American Express Sr. Acct. Exec. 
American Express XXXX XXXX, XXXX XXXX XXXX, New York, XXXX XXXX XXXX. And a third to American Express XXXX XXXX. XXXX # XXXX, XXXX XXXX, TX XXXX. I sent these three letters on the same day Tuesday, XX/XX/2021. On XX/XX/XXXX, I received a letter from American Express stating that the {$400.00} unauthorized charges where credited to my account. Then on Monday, XX/XX/2021 I received a second letter saying to disregard the previous letter on my fraud dispute. My complaint is that it is not fair to say that they would credit my account the unauthorized charges and then turn and renege on what they said they would do. Attached are all documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 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: NC

Complaint narrative:
XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax 1 XXXX  - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX  XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 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: IL

Complaint narrative:
I sent a letter regarding inaccuracies on my credit report on XX/XX/2021. It has been over 50 days and I still have not received a response. These inaccuracies have negatively impacted my life tremendously. According to section 611 ( a ), disputes should be investigated within 30 days and if not done it gives reason to remove those items from credit report, which it has already been over 50 days already. My information has also been impacted by the XXXX  and Equifax data breach as well and I am worried that my information may have fell into the wrong hands. I will not continue to be ignored and not have this issue resolved. I will file for litigation if this is not handled properly and the accounts are not deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
LVNV appeared suddenly on my credit report when I checked my reports one day. I proceeded to write a letter and sent it certified. I informed them that I do not know who they are collecting for and ALSO to validate this alleged and fraudulent debt by validating their right to collect with a valid license to collect in my state and, more importantly, an ink signature on a contract I signed with the creditor. ( Keep in mind I still do not know who this phantom creditor is at all at this point! ) To date I have no validation and no creditor to contact!

So I need this account DELETED IMMEDIATELY!

They are violating my federal and state rights, damaging my reputation and ruining any chances for credit enhancements by this item appearing on my credit files!

Violations of the FACPA, FCRA, and various state laws have already been violated!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
I have been a victim of identity theft by someone whom I do not know. I am unsure how long this has been going on. This is severely impacting my financial wellbeing. If you see any suspicious activity this was not done by me.

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 2021-06-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
I am requesting this comply remove/delete this item from my credit profile. I have reached out to them numerous times in regards. 

I also am a victim of identity theft, my credit profile was once locked before with all 3 credit bureaus and all 3 credit bureaus also have my identity theft police report. 

PROFESSIONAL DEBT Original creditor : XXXX XXXX  {$12000.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Incomm Holdings Inc.
State: KY

Complaint narrative:
I purchased a {$100.00} Visa Gift Card from a local XXXX. When the gift card package was opened there was a {$25.00} XXXX XXXX card in the package instead of the Visa gift card. I contacted Visa Gift Card services and explained the situation and provided the receipt information that was requested. I was informed that they could see the card had not been used and that the original card that I did not receive would be deactivated and a replacement card for {$100.00} would be issued. I received the replacement card in the mail and upon activation found that there was only {$12.00} on the card. I immediately called Visa gift card services again. I was informed that the previous rep failed to deactivate the card and while the card had been mailed purchases had been made using the original card. Now Im being told that I have to complete paperwork to dispute the charges and the investigation could take up to 90 days. Im having to do extra work and wait for an investigation when the company can verify that it wasnt me to begin with. At this point I feel like Im never going to get my money back and any help is appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 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: NC

Complaint narrative:
XXXX Miscellaneous XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXn XX/XX/XXXX TransUnion XXXX Travel/Entertainment XX/XX/XXXX TransUnion XXXX XXXX  Automotive XX/XX/XXXX TransUnion XXXX XXXX Bank  XX/XX/XXXX TransUnion XXXX XXXX Automotive XX/XX/XXXX TransUnion XXXX XXXX XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX  XXXX Miscellaneous XX/XX/XXXX TransUnion XXXX Miscellaneous XX/XX/XXXX TransUnion XXXX  Miscellaneous XX/XX/XXXX TransUnion XXXX Miscellaneous XX/XX/XXXX TransUnion XXXX XXXX  XXXX XX/XX/XXXX TransUnion XXXX Miscellaneous XX/XX/XXXX TransUnion XXXX  Miscellaneous XX/XX/XXXX TransUnion XXXX XXXX XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX XXXX Bank XX/XX/XXXX TransUnion XXXX XXXX Automotive XX/XX/XXXX TransUnion XXXX XXXX Automotive XX/XX/XXXX TransUnion XXXX XXXX Bank XX/XX/XXXX TransUnion XXXX XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX XXXX XXXX Home/Office Furnishings XX/XX/XXXX TransUnion XXXX Miscellaneous XX/XX/XXXX TransUnion Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.

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 2021-06-17 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:
I AM IN THE PROCESS OF BUYING A HOME. I HAVE NOTICED ERRORS ON MY CREDIT PROFILE THAT COULD POSSIBLLY HURT MY SCORE. PLEASE REMOVE THESE ERRORS AS SOON AS POSSIBLE. SECTION 605 B STATE THAT IF THESE ACCOUNTS ARE A RESULT OF INDENTITY THEFT, THAT IT MUST BE REMOVED OFF OF MY CREDIT REPORT.PLEASE REMOVE.

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 2021-06-17 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 AM IN THE PROCESS OF BUYING A HOME. I HAVE NOTICED ERRORS ON MY CREDIT PROFILE THAT COULD POSSIBLLY HURT MY SCORE. PLEASE REMOVE THESE ERRORS AS SOON AS POSSIBLE. SECTION 605 B STATE THAT IF THESE ACCOUNTS ARE A RESULT OF INDENTITY THEFT, THAT IT MUST BE REMOVED OFF OF MY CREDIT REPORT.PLEASE REMOVE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 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: CITIBANK, N.A.
State: IL

Complaint narrative:
I have tried for the past three years to remove the accounts of Macy 's XXXX from my credit record. I never charged that amount at Macy 's. 
My cousin and I suffered a great deal due to these charges being under my name. 
Please have the company remove any negative data from under my name in the credit bureaus. 
Please have them refund me {$500.00} for faulty items.

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