vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I SEND OVER 5 LETTERS TO GET THIS ACCOUNT DELETED ACCOUNT # XXXX ON TRANSUNION AND ACCOUNT # XXXX XXXX 
I CIRCLE ALL THE DATES ON THE AND MISTAKES ON PHOTOS. 
I SEND A LETTER RECENTLY THIS MONTH AND TOLD THEM IT WASNT MY ACCOUNT THEY SEDN BACK UPDATED I DIDNT ASK FOR ANY INFORMATION TO BE UPDATED.

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 2020-11-20 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
ClarityConsumer report need all items removed somebody is using my IDXX/XX/XXXX checking accounts closed

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 2020-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I received a notice that my account is closing after I deposit a check that is under my Aunts name on XXXX XXXX from chase. I called but couldnt get through and emailed them multiple times and showed proof that my aunt gave me her check with showing her id to them. i finally able to get in contact with their agent and he told me to bring my aunt in to a bank to verify her. I was like okay but my aunt is old and we are in a middle of pandemic and chase lobby isnt open where Im living and its by appointsments only. Im busy so i let it slip and within the next 3 days they just completely shut my account down even though i have XXXX left in my account. Its been a month now and I still have not received my check or anything

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
XXXX XXXX need all items removed somebody is using my ID chase checking accounts closed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 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: VA

Complaint narrative:
I PAID KOHLS IN FULL XXXX XXXX XXXX XXXX WI XXXX AND THEY AGREED TO REMOVE IT FROM ALL CREDIT AGENCIES BUREAUS AND DID NOT!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CAVALRY INVESTMENTS, LLC
State: VA

Complaint narrative:
CALVARY SPV 1, LLC WAS PAID IN FULL THROUGH GARNISHMENT AND NEVER SENT LETTER OF SARISFACTION TO XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ALSO

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 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: CL Holdings LLC
State: VA

Complaint narrative:
THIS ACCOUNT WAS PAID THROUGH GARNISHMENT OVER A YEAR AGO AND XXXX GENERAL DISTRICT COURT WAS NEVER SENT A LETTER OF SATISFACTION! JEFFERSON CAPITAL SYSTEMS LLC COLLECTED ON BEHALF OF XXXX XXXX AND NEVER REMOVED IT OR SENT LETTER OF SATISFACTION AND HAS BEEN OVER A YEAR AND A HALF!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I I have a personal checking account a savings account ANd a business checking account with XXXX bank, I have used XXXX bank with other business of mine for over 15 years, TD/ prior was XXXX XXXX. I received a ppp loan in my business account in XXXX with no issues, then received a eidl SBA loan in my business account in XXXX, when I went to withdraw a certified check td bank told me we have to get this verified and come back tomorrow, I came back the next day and they said the spoke to fraud and they confirmed it was a business account and additionally I had provided my load agreement papers, so they unlocked my account and I resumed my automatic payments out of my account and my cpa instructed me if I would like to make it easier if I had a personal Acct transfer funds into there so you better track your loan funds for the sba, so I did that, then few days after they re opened my account I went back for the certified check for employee for work for the past 10 weeks that they didnt get paid for plus a certified check for a wood chipper that Im 6 months behind on payments and in Repo status, and again they locked my account and wouldnt let me take the funds, then they told me a cell phone # to call I believe his name was XXXX XXXX from fraud gsi in XXXX XXXX nj, I called and he was very short with me and said no you cant transfer anything to another account and you used the funds not for what the loan is for, and 6 weeks later all my accounts are still frozen including my savings personal Acct, my checking account and business account with no access to my funds that Im paying interest on for my business which also I received my unemployment in now that I cant work since they froze my account they also took my unemployment! My business have been in business for generations and I find this insane for how they are treating me especially in this time we are living in today! The man from gsi td fraud # is XXXX ( XXXX ) XXXX. That was the guys cell phone # the branch manager gave me to call him and he wouldnt give me the time of day!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Americas Car-Mart, Inc.
State: GA

Complaint narrative:
Americas Car Mart continues to infringe upon and violate my consumer rights. Upon doing so by law XXXX demand compensation for such violations under 15 U.S. Code 1692k - Civil liability. 
On XX/XX/2020 a letter was mailed to my home address from Americas Car Mart. That letter was titled Notice of Our Plan to Sell Property. The first violations are under 15 U.S.C 1692b. Acquisition of location information & 15 U.S.C 1692d - Harassment or abuse In this letter Americas Car Mart states the following quote THIS COMMUNICATION IS NOT AN ATTEMPT TP COLLECT, ASSESS, OR RECOVER A CLAIM IN VIOLATION OF THE BANKRUPTCY CODE AND IS FOR INFORMATIONAL PURPOSES ONLY. But also, in that letter Americas Car Mart states the following quote You can get the Vehicle back at any time before we sell it by paying us the full amount that you owe ( not just the past due payments ), including our expenses. To learn the exact amount you must pay, call us at : ( XXXX ) XXXX XXXX. That to me is the language of an attempt to collect a debt, which is indeed a violation under 15 U.S.C 1692b. Acquisition of location information & 15 U.S.C 1692d - Harassment or abuse.

I have not given any written permission to contact me in any form at any time of day which makes this letter in its entirety a violation by law under 15 U.S.C 1692b. Acquisition of location information & 15 U.S.C 1692d -
Harassment or abuse.

In the top right corner of the letter Americas Car Mart has the companys logo which is a violation under 15 U.S.C 1692b. Acquisition of location information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 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: AVANTE
State: PA

Complaint narrative:
A account with Avante that I settled with them XXXX XXXX with a payment of {$590.00}, is still showing on my credit report as being unpaid an open, I called Avante several times and they are refusing to take it off my report even thou the bill has been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 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: CA

Complaint narrative:
In the months of XXXX, and XXXX in the year of 2020 I've sent Equifax two rounds of dispute letters stating that information that is displaying on my credit profile is not accurate and fraudulent information that I did not authorize. Each time of request they have sent me false results stating that the information disputed was not on my credit profile which is impossible to be true because I discovered the information of the accounts I did not recognize on there website myequifax. I have provided all documentation to them with proper verification so there is no reason the disputes have not been granted to be deleted. I stated that I was not able to verify any information pertaining the fraudulent accounts displayed on report because I am clueless to them with me not being the individual to open them. I am looking for issue to be resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In the months of XXXX, and XXXX in the year of 2020 I've sent XXXX  two rounds of dispute letters stating that information that is displaying on my credit profile is not accurate and fraudulent information that I did not authorize. Each time of request they have sent me false results stating that the information disputed was not on my credit profile which is impossible to be true because I discovered the information of the accounts I did not recognize on there website XXXX. I have provided all documentation to them with proper verification so there is no reason the disputes have not been granted to be deleted. I stated that I was not able to verify any information pertaining the fraudulent accounts displayed on report because I am clueless to them with me not being the individual to open them. I am looking for issue to be resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 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: ProCollect, Inc.
State: CA

Complaint narrative:
In the months of XXXX, and XXXX in the year of 2020 I've sent XXXX  two rounds of dispute letters stating that information that is displaying on my credit profile is not accurate and fraudulent information that I did not authorize. Each time of request they have sent me false results stating that the information disputed was not on my credit profile which is impossible to be true because I discovered the information of the accounts I did not recognize on there website XXXX. I have provided all documentation to them with proper verification so there is no reason the disputes have not been granted to be deleted. I stated that I was not able to verify any information pertaining the fraudulent accounts displayed on report because I am clueless to them with me not being the individual to open them. I am looking for issue to be resolved immediately.

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 2020-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: OK

Complaint narrative:
XX/XX/2018, XXXX notified ChexSystems that fraudulant information they are reporting to third parties with my personal/confidential Identification as the result of Identity theft.

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 2020-11-20 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: OH

Complaint narrative:
XXXX account on my credit report needs to be removed as I am no longer on the account, as an authorized user, and it is affecting my credit score. The account needs to be removed from XXXX  and Equifax. I have enclosed the letter from XXXX XXXX. 

Thank you in advance for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 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 account on my credit report needs to be removed as I am no longer on the account, as an authorized user, and it is affecting my credit score. The account needs to be removed from Experian and XXXX. I have enclosed the letter from XXXX XXXX. 

Thank you in advance for your assistance.

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 2020-11-20 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: CBC Companies, Inc.
State: IN

Complaint narrative:
I have filed in a dispute in regards to the incorrect items on my credit report. It has been well over 45 days now and I have not received any investigation results. 

Today XX/XX/2020 make it 60 days now that I have filed a dispute in regards to the incorrect items on my credit report and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
On XX/XX/XXXX night, I tried deposit {$2000.00} cash into my checking acount, at Bank of America, address is XXXX XXXX XXXX XXXX, XXXX, WA XXXX. I use the drive thru ATM, I counted {$2000.00} cash both are {$100.00}, then machine just eat {$800.00}, returned {$1200.00}. 
On XX/XX/XXXX, I walked into that bank talked to staff and manager, they said I will get temporary credit within 2 business days. 
On XX/XX/XXXX, I walked into that bank, talke to the manger and staff again because no one dollar get into my account. Then they ask me to call the service line, the service line staff told me I can get temporary credit within 2 business days. 
Yesterday XX/XX/XXXX, I walked into that bank again, because I still get nothing. The manager ask me to call the service line again, I called, there is a lady on the line, she said I can not get credit until XX/XX/XXXX! She said my account balance is too small, my claim is more than my account balance, she lied, in fact my saving acount have {$7000.00}. And her attitude is not respectful at all, when I said please speak slowly my English is not good, then she made weird noise, I have the phone records.

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 2020-11-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capital Accounts, LLC
State: MI

Complaint narrative:
Derogatory marks View all accounts COLLECTIONS Capital Acct Opened XX/XX/XXXX Overview You have 100 % left to pay on this collection. 
Balance {$130.00} Highest Balance {$130.00} Original creditor : XXXX XXXX XXXX XXXX : XXXX XX/XX/XXXX Opened XX/XX/XXXX ( 2 yrs, 5  mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX XXXX Creditor Information CAPITAL ACCOUNTS LLC This was a new dentistry in our town, who had bought the old dentistry  where we went for years. The new dentist automatically renewed the annual checkup for my wife and me. I went there for the annual service and the bill was send to my insurance company. My wife did not go there as she was out of the country and I told the dentist at my appointment. I received a bill for both services through my neighbor who forwarded our mail as we were out of the country at that time. 

I called the dentistry who told me that my appointment ( which they has set ) was one day before a year was out from my last appointment, so the insurance company would not pay. ( remember, they set the appointment ) I and explained that I did not feel responsible for that error and that my wife did not have that appointment, did not come for the service as she was out of the country at the time of service. They did not care and wanted to get paid anyway. 

Some time later they sold this debt to a debt collector : Capital accounts LLC. They called me once and threatened to sue me. I countered that I wanted to have them take me to court so I could explain to a judge what happened and they would stop harassing me. The person who called said : I see, you are issuing us a Cease and Desist notice. 

That was the last that i heard from them. However with the service I have : XXXX XXXX, it came to light that this debt is still in my history as not paid. As that can influence my credit rating of financial services : I want this debt removed from my history. Can you help with that? 
Thank you, 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 2020-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc.
State: MA

Complaint narrative:
on XX/XX/13, I realized the amount that I have sent wasn't right so I called them to cancel the transaction at Remitly. At that time, money was still on hold but they said it wouldn't be reversible. They let money go after that. The recipients were scammers. They were using what ever name that would be easier for them to identify it seemed like. They used " XXXX XXXX '' as a recipient for my case. I was thinking talking to XXXX customer service people. originally talking about XXXX XXXX  fees. I got a text message saying they were going to charge annual fees instead of monthly so I just needed to change to monthly .... I will talk about this if you are interested in next time. Anyway I had 2 transaction ; {$1200.00} and {$1500.00}. I tried to reverse it after I thought something wasn't right but they wouldn't cancel it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
The UNNAPPROVED weekly charges added by XXXX SHORTLY AFTER I XXXX 2020 ; AND MORE ADDED IN XX/XX/2020 caused a banking balance system trip. THIS IS A COMMON OCCURENCE, THE WEEKLY RECURRING SUBSCRIPTION CHARGE IS A 'BURNER ' TO BANKING ACCOUNTS. THE SOFTWARE I SIGNED UP FOR WAS ONLY FOR A WEEK TRIAL. I HAD AUTORENEW, BLOCKED ON MY ACCOUNT, AS SEEN IN SIMILAR SUBSCRIPTION TRIALS AT XXXX. PEOPLE ALSO ran hotel fees and caused BALANCE reporting delays. Ultimately, the recurring weekly fees stopped the system as they misreported the account. THEY THEN CLOSED MY ACCOUNT WITHOUT ALLOWING DISPUTE CORRECTIONS. THESE ACTS CAN BE TRACED TO THE INDIVIDUALS INVOLVED. 
THERE ARE incorrect/3rd party notifications and, incorrect balance ; leading to charge decline s at POS. I am always aware of my actual balance. There is a wire transfer from XXXX XXXX XXXX for {$10000.00} confirmation XXXX XXXX XXXX ACCT XXXX I have not received this transfer. There are many XXXX refunds. Total ing {$4000.00}. I have confirmation of these refunds ; but ; they were not reported. I have XXXX in my account in XXXX. I know incorrect reporting has caused my entire balance to be inaccurate. Also a refund from XXXX XXXX for {$3200.00} was not reported. I have email confirmation of all refunds and the wire transfer. They were never reflected on my Wells Fargo account. Please insure my deposits. My account number : routing : XXXX account : XXXX Thank You, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I HAVE A PDF DOWNLOADED FILE OF THE ENTIRE BANK STATEMENT. IT SHOWS RECURRING CHARGES ON ALMOST EVERY LINE. I DID NOT AUTHORIZE THESE.

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 2020-11-20 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: Credit Plus Inc
State: IN

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 45days now and I have not received any investigation results. 

Today XX/XX/2020 make it 60days now that I filed a dispute in regards to the incorrect items on my credit report and I have not received any investigation results.

Company response to consumer: Closed with explanation