vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I bank with Bank of America ; I started with {$2200.00}. On XX/XX/2021, the mortgage company withdrew {$2200.00}. By the end of XX/XX/2021, my account still had {$42.00} ; According to Bank of America, to combat a pending transaction of {$57.00} that didn't post until XX/XX/2021, they decided to charge me an overdraft fee even though I had an available balance of {$42.00}. My available balance on XX/XX/2021 ( Friday ) was {$1300.00}, and they pulled a pending transaction of {$57.00} ; they also drew a {$35.00} overdraft fee on XX/XX/2021. Even though there were available funds, and my account didn't have a negative balance, they informed me that it isn't possible to take off the overdraft fee. I spoke with XXXX and XXXX, Manager ID XXXX. Them charging me an overdraft fee for a pending transaction is by far the craziest banking issue I have ever run into and is just another way for banks to capitalize on hard-working American people.

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 2021-06-12 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax has not updated my credit account, credit report, and credit score. I filed a dispute on XX/XX/2021 then another XX/XX/2021 and I have not received and updates in my credit report, credit score and credit account. My credit report has not been updated since XX/XX/2021 with Equifax. A "? '' is reflecting on my credit report in place of my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 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: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
I have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 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: PA

Complaint narrative:
This is a section/copy from my credit report : A request for your credit history is called an inquiry. There are two types of inquiries - those that may impact your credit rating/score and those that do not.

Inquiries that may impact your credit rating/score.

These are inquiries made by companies to whom you have applied for a loan or credit. They may remain on your file up to 2 years. 

Company Information Inquiry Date ( s ) XXXX XXXX  XXXX XXXX XXXX XXXX RI XXXX XX/XX/2021 End. 
I have disputed with EQUIFAX and they found this to be Factual? Yet Equifax has Not proven this was me. I strongly dispute this, it was not me! 
My 2nd option was to Contact : XXXX XXXX, which I did and they too have failed to prove this was me. 
I am me, I have said multiple times in writing and vocally that I did not apply to XXXX XXXX for any type of loan/credit. Yet, this must remain on my credit report for 2 years. 
I filed a complain with Pennsylvania Attorney General XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 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: IL

Complaint narrative:
Got a call from XXXX that a loan app was submitted today for a government program for self employed persons affected by Covid issues. I did not apply for it & I want my ID protected. I phoned the agency & told them that I didnt apply for this loan & to delete the application. 

I appreciate your help in this urgent issue.

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 2021-06-12 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

Complaint narrative:
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. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 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: CO

Complaint narrative:
I disputed a balance due on Experian and provided all evidence the amount was paid in full. Experian refuses to update my report and is still reporting a {$35.00} balance with XXXX. I had attic insulation installed in my home in XXXX through XXXX. The total amount due was {$2100.00}. I made three payments ( {$100.00} on my XXXX XXXX card XX/XX/XXXX, {$1900.00} on my XXXX card XX/XX/XXXX, and {$100.00} on my XXXX card XX/XX/XXXX ). Additionally, my online XXXX account is showing " You have no payments due '' and {$2100.00} is marked " paid '' in my paid history. Screenshots of statements and my account were provided to Experian showing the amount was paid.

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 2021-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
My account statement for XX/XX/XXXX has a 3-week gap without any reported transactions from XX/XX/XXXX to XX/XX/XXXX. 

I submitted a complaint to the CFPB earlier about reporting gaps in the XX/XX/XXXX and XX/XX/XXXX Statements for the same account. Gaps : XX/XX/XXXX to XXXX, XX/XX/XXXX to XX/XX/XXXX, and XX/XX/XXXX to XX/XX/XXXX. 

I have also noticed a pattern of unrecognized transactions usually around the XXXX of every month, which I have not reported to the CFPB as I have been able to resolve them directly with the bank. In retrospect, these transactions are likely just a part of the bigger problem at the bank, It seems that the bank is having to eliminate certain transactions that occur around the XXXX of every month from affecting my account balance and thereby eliminating their requirement to report these transactions on statements keeping me unaware of their occurrence. Back-to-Back Debit transactions for the Incoming Credit transactions are no longer sufficient to hide the banks theft or at the least the facilitation thereof of my income.

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 2021-06-12 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: TX

Complaint narrative:
the XXXX XXXX bureaus have failed to correct errors in their reports within the allotted time.

1. debt collection report : fraudulent report. Previously deleted/removed for that reason. A new company is reporting the same item with its new personal date.

I only have contact with a mail service in Texas.

1a. Not mine, also, the statute of limitations for an action on the stated ORIGINAL item is 2 years ( texas ). By which it must be removed.

2. XXXX is not my name. remove it. Crossed accounts?

3. XXXX is not my telephone number. remove it.

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 2021-06-12 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: DC

Complaint narrative:
I have submitted disputes to Equifax regarding information that should be excluded from the consumer report per the FCRA. Additionally, the violation ( s ) that was committed by Equifax. By not honoring my request as a consumer it is not only causing a lack of trust, also breaking the law, and causing defamation of character by continuing to have these erroneous items on the consumer report that Equifax has no consent to have in the first place. The violations that have been committed by Equifax are as follows. Equifax violated 15 USC 1681b ( a ) ( 2 ) when the consumer submitted written request to have listed information removed ( letter attached ). Equifax also violated 15 ISC 1681a ( 2 ) ( b ) as the listed items should be excluded from the consumer report.

I have attached my written instructions per the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Monterey Financial Services LLC
State: OH

Complaint narrative:
XXXX/Monterey financial misleads people into believing they are buying items at same as 0 % interest and locks you into a contract at 30 % interest for 12 months, not enough contractual information given at time of agreement

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 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:
Original Creditor - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX placed my delinquent account with MCM ( Midland Credit Management XXXX collection agency. 

Midland Credit Management keeps reporting my account as delinquent every 7 days on all 3 credit bureaus. I have disputed this repeatedly and they are still reporting the account as delinquent every 7 days. I do understand that my account is delinquent and the account will be satisfied. 

Midland Credit Management is violating my rights under the FCRA by reporting the account delinquent every 7 days instead of every 30 days as a collection account. 

Midland Credit Reporting Dates to all 3 bureaus : XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 Midland Credit Management XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MI XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: CA

Complaint narrative:
On or about XX/XX/2021 I received a collection letter from American Coradius International ( ACI ) advising that I owed {$80.00} to XXXX and attempting to collect on such debt. At the same time, I contacted XXXX and confirmed that no such debt is owed. Based on the same, correspondence was sent to ACI requesting that they perform their due diligence and stop communicating with me. Instead of responding to my correspondence, ACI continued to send me further collection letters for two additional accounts for a total of three accounts all indicating that I owe {$80.00} To XXXX. 

ACI has violated the fair debt collection practices act and California Civil Code section XXXX. They have repeatedly ignored my correspondence and at this stage based on their violation of law I am entitled to immediate relief. 

XXXX indicates prohibits the communication by a license collection agency to a debtor demanding money unless the claim is actually assigned to the collection agency. Again, there is no outstanding debt owed to XXXX and as such XXXX has not assigned a collection account to ACI for collection. As such, this is a clear violation and I am entitled to {$500.00} for each violation in the total amount of {$1500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX is reporting a collection account ( XXXX ) as Open, under the Account Type section of my Equifax credit report, in violation of FCRA and FDCPA reporting regulations. Collection accounts can not ever be described as Open, they must be described as Collection Accounts. 

The attached documents are reflective of my most recent Equifax report, which shows XXXX XXXX XXXX fraudulently reporting this account as Open as of XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX This letter is my LAST request for you to remove your inaccurate and unverifiable accounts from my credit report. Once again, note that this is not a refusal to pay, but a notice sent pursuant to the FDCPA 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested.

The following accounts remain unverified, even after multiple attempts to receive validation from you. I request that these accounts be immediately removed from my credit report with all credit bureaus that you report to : AD ADSTRA RECOVERY Furthermore, I believe I may have received telephone communication from your company even after I specifically requested to not be contacted by phone. As you know, this constitutes a violation of the FDCPA. I will be closely reviewing every call I've received from unknown numbers, but I am nearly certain these calls came from your company. 

According to the FTC, consumers can sue a collector in a state or federal court within one year of the date the FDCPA was violated. Consumers can sue for damages, like lost wages and medical bills. Even if a consumer can't actually prove damages, they can still be awarded up to XXXX} plus reimbursement for attorney 's fees and court costs. A group of people suing as part of a class action lawsuit can even recover money for damages up to XXXX}, or one percent of the collectors net worth, whichever amount is lower. 

Best Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Corp Solutions Inc.
State: MD

Complaint narrative:
I am consumer, natural person and my federally protected consumer rights have been violated repeatedly by Credit Corp Solutions. I provided Credit Corp Solutions an signed notarized affidavit of truth & Cease & desist on XX/XX/2021 regarding the alleged debt and find that they are using abusive practices against me for this alleged debt which is a violation of 15 USC 1692 by continuing to contact me without my written consent Credit Corp Solutions is choosing not to follow federal law. Based on the definition and federal laws : Truth In Lending Act, 15 USC 1692 and 15 USC 1681. Credit Corp Solutions , Inc is a debt collector and here by fail under 15 USC 1692. Since loans dont exist and the alleged contract is a consumer credit transaction and I sold my credit to Credit Corp Solutions , Inc pursuant to 15 USC 1602 H, the alleged contract in question is fraud and thus null and void. I am in distress and is causing me grave concern that Credit Corp Solutions Inc continues to contact me although they were notified of the Cease & desist from me on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MoneyLion Inc.
State: NY

Complaint narrative:
Money Lion allowed a fictitious account opened with there company. They used my stolen Social Security number. Then the fake account withdrew funds from a online Bank Account at XXXX XXXX. I contacted Money Lion and spoke to rep about the Fake account and the clerk disconnected call. I also advised XXXX XXXX fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
i sent XXXX vaildation XX/XX/2021 not vericatiion they was not able to provide infomation i requested I never signed hipaa release form with the following alleged medical creditors Therefore these are inaccurate hipaa violations and i want these deleted off my credit report immediately Hippa laws protect my medical and personal information and without my consent now you are aware and i must have those deleted off my credit report immediately 45 CFR Part 160 Pursuant to 45 CFR part 160 and part 164 subparts a and ( c )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX This letter is my LAST request for you to remove your inaccurate and unverifiable accounts from my credit report. Once again, note that this is not a refusal to pay, but a notice sent pursuant to the FDCPA 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 

The following accounts remain unverified, even after multiple attempts to receive validation from you. I request that these accounts be immediately removed from my credit report with all credit bureaus that you report to : EXPERIAN Furthermore, I believe I may have received telephone communication from your company even after I specifically requested to not be contacted by phone. As you know, this constitutes a violation of the FDCPA. I will be closely reviewing every call I've received from unknown numbers, but I am nearly certain these calls came from your company. 

According to the FTC, consumers can sue a collector in a state or federal court within one year of the date the FDCPA was violated. Consumers can sue for damages, like lost wages and medical bills. Even if a consumer can't actually prove damages, they can still be awarded up to {XXXX plus reimbursement for attorney 's fees and court costs. A group of people suing as part of a class action lawsuit can even recover money for damages up to {XXXX}, or one percent of the collectors net worth, whichever amount is lower. 

Best Regards, 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 2021-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
I paid for services from someone I never received it from and Ive been trying to get my bank to cancel the services at this time but they said I dont have enough evidence to cancel it but they never asked me for any evidence

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 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: BROKER SOLUTIONS, INC.
State: SC

Complaint narrative:
I received an unknown call asking if i wanted to continue with my application for a loan refinancing. I told the caller that i did not make the application and that i was in the process of buying a home. he said he understood. I asked could my name be removed from what ever application or database he may have had. He agreed and the next day multiple inquiries showed on my credit report for an auto loan refinancing which i did not give authorization for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 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: AXOS FINANCIAL, INC.
State: SC

Complaint narrative:
I received an unknown call asking if i wanted to continue with my application for a loan refinancing. I told the caller that i did not make the application and that i was in the process of buying a home. he said he understood. I asked could my name be removed from what ever application or database he may have had. He agreed and the next day multiple inquiries showed on my credit report for an auto loan refinancing which i did not give authorization for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 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: TX

Complaint narrative:
the usa credit bureaus have failed to correct errors in their reports within the allotted time. 

1. debt collection report : fraudulent report. Previously deleted/removed for that reason. A new company is reporting the same item with its new personal date. 
I only have contact with a mail service in Texas. 
1a. Not mine, also, the statute of limitations for an action on the stated ORIGINAL item is 2 years ( texas ). By which it must be removed. 

2. XXXX is not my name. remove it. Crossed accounts? 

3. XXXX is not my telephone number. remove it.

Company response to consumer: Closed with explanation