vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland Credit is attempting to collect on a debt and I have no affiliation with this collection agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-31 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: Resurgent Capital Services L.P.
State: WI

Complaint narrative:
I sent a dispute to credit bureau about a collection ( collection name ) and I have not received and response back or any results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 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: CA

Complaint narrative:
I XXXX XXXX XXXX am disputing the term late payment from the creditor XXXX XXXX  on my Equifax report, I XXXX XXXX XXXX entered a consumer credit transaction with XXXX XXXX  on XX/XX/2008, due to this being a consumer credit transaction a finance charge was involved, XXXX XXXX code XXXX states the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges. So there shouldn't be any late payments due this being a finance charge because it was the SUM OF ALL CHARGES paid indirectly by my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have had my Wal-Mart Credit card for years now. I'm always on time in payment and I am never late. Capitol One Bank took over the Walmart card. Now they want me to provide information about My address were I live that they already have. I have conversed with them on several occasions about this problem. I told them its the same address that is has always been. Even on my regular Capitol One credit card I told them its the same address as that one. 
So they suspended my Wal-Mart account because I wont tell them what they already have on file for my address. All that information transferred when they bought the accounts from the previous holder. But in the meantime I Will continue to make my payments on the Walmart card. All the information is the same. 
They should use it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT

Complaint narrative:
THE BANK FINANCE MY CAR THAT WAS OVERVALUED AND FAIL TO CHECK THE REPORT FOR THE CAR. 
AND ADITIONAL, THE BANK DENIED A REFINANCE APPLCATION BECAUSE THE CAR IS NOW DEVALUATE OVER 50 % IN JUST TWO YEARS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 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: NC

Complaint narrative:
so i contacted this company about my credity report having false and misleading information on it and not only is the false items still on my report but also they have yet to respond to me and it has been like over XXXX  months. I dont know whatg i am supose to do if i have already wrote them and didnt get anything back.

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 2021-03-31 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: CT

Complaint narrative:
Hello. I am submitting this complaint due to no communication regarding a status on a investigation from Equifax. I wrote Equifax on XX/XX/2021 about 4 inaccurate items on my credit report. I provided everything they needed for a investigation and again I am supplying it her in this complaint. In the beginning of XXXX I was told after going through the verification over the phone that my disputes have been received but could not tell me whats going on expect its in progress so I sent another letter on XX/XX/2021 to see if I can get a response in writing. It is now XX/XX/2021 45 days since my first complaint and still nothing. It's been 45 days since my first request and this company keeps reporting inaccurate information in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 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: IL

Complaint narrative:
I, XXXX XXXX, am a consumer of the United States and anything purchased with my credit card remains the obligation of the United States pursuant 15 USC 1601. I the consumer never gave XXXX and associates any written consent to report anything on my consumer report which is a direct violation 15 USC 1601B ( 2 ). I never signed a contract or entered a credit transaction with XXXX and associates. XXXX and associates has used abusive practices violating my privacy pursuant 15 USC 1692 ( A ). I never gave XXXX and associates ( third party debt collector ) consent to obtain any of my information. Pursuant 15 USC 1692 ( B ), a debt collector can not state this is an attempt to collect a debt. XXXX and associates has violated 15 USC 1692 ( C ) 1 by mailing my home between XXXX at an inconvenient time without my consumer consent. XXXX and associates has abused me by harming my consumer reputation, poorly affecting my credit score and worthiness and harming my chances of purchasing a home. Pursuant FCRA 15 USC 1681A ( 2 ). XXXX and associates used profane language in their letter sent to my home pursuant 15 USC 1692D ( 2 ). XXXX and associates repeatedly knowingly and willingly violated my consumer rights protected by FDCPA and FCRA. You will be held criminally liable pursuant 15 USC1640 and civically liable for all violations of 15 USC 1692K. Attached to this letter labeled is Exhibit A and Exhibit B shows proof of these violations. Also is attached an invoice for violating my federally protected consumer rights which is to be paid by check. Also as remedy, I demand this account to be immediately removed from all my consumer reports, from all consumer reporting agencies, and to be zeroed out immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
I have submitted many complaints against Wells Fargo Bank. I would just like to submit more documents to support my allegations against the fraud and deceptive practices of this financial institution. 

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 2021-03-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I had asked for an extension on my auto payments. I had asked to delay 3 months of payments. Luckily, I didn't need to extend my loan. I noticed a discrepancy on how my payments were being applied. They over charged me interest on my last three payments. 

Date Days Between Payment Correct Interest Amount Overpaid Amount XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX Total amount that needs to be applied as principle {$87.00} I Called BBVA today ( XX/XX/2021 ) to fix this issue but they did not want to help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am writing to express a complaint regarding a claim. On Saturday, XXXX XXXX, 2021, I visited the Bank of America ATM, located in XXXX XXXX XXXX XXXX, XXXX, FL XXXX, XXXX, and made a deposit of {$7000.00} at XXXX p.m. The {$7000.00} were brought from my home country, and this amount was less than {$10000.00}, so I did not have to report it at the airport customs. The ATM machine only processed {$300.00} and kept the rest of the money inside the machine. The ATM gave me a receipt, apologizing for the inconvenience, saying an issue record was created and attached to my transaction, which acknowledges that the ATM was problematic. I immediately called the bank and filed a claim. 

After many efforts of escalating the claim, I received the provisional credit. I called the claim department numerous times, but no one was updating me with information. I visited the Bank of America XXXX XXXX at XXXX XXXX XXXX, XXXX, FL XXXX, and spoke with Relationship Banker XXXX XXXX, who reassured me my problem was going to be resolved. She also told me that the specific ATM is balanced twice or three times a week, so it was not normal for me to have waited more than 40 days for my claim to be resolved. 

Once my claim was resolved, my claim amount was adjusted to {$4400.00}, instead of {$6700.00}, which is the amount of money the Bank of America ATM owes me. I called the claims department at XXXX as indicated by the claim resolution letter to request copies of the documents Bank of America used to make this decision, but I was told there were no documents on my claim by XXXX, ID number : XXXX Therefore, I am kindly requesting Bank of America to adjust my claim amount to the initial amount of {$6700.00}. My bank accounts have been closed because I am moving to a different country, but I still need to resolve this 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 monetary relief
Consumer complaint received 2021-03-31 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:
I've submitted information to Experian multiple times, once on XXXX and again on XXXX, advising them that certain account weren't mine and were fraudulent accounts. This bureau is the only bureau that will not remove XXXX XXXX XXXX accounts from my credit report. One is saying it is an charge account or credit account with a balance of {$8900.00} and an installment loan account with a balance of {$22000.00} I've asked the bureaus as well as the creditor to provide me with documentation showing my signature to show that I authorized these accounts to be opened, and never received any of the requested documentation. I've filed a complaint with the FTC and The Attorney General, and was advised that it would be investigated but that I also needed to file a complaint directly with you all The CFPB because you all work directly with the reporting agencies.

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 2021-03-31 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: IL

Complaint narrative:
I, XXXX XXXX, am a consumer of the United States and anything purchased with my credit card remains the obligation of the United States pursuant XXXX XXXX XXXX. I the consumer never gave XXXX XXXX XXXX XXXX any written consent to report anything on my consumer report which is a direct violation of XXXX XXXX XXXX ( XXXX ). XXXX XXXX XXXX XXXX has used abusive practices violating my privacy pursuant XXXX XXXX XXXX ( a ). XXXX XXXX XXXX XXXX has abused me by harming my consumer reputation, poorly affecting my credit score and worthiness and harming the chances of me purchasing a home. Pursuant FCRA XXXX XXXX XXXX ( XXXX ). XXXX XXXX used profane language in my consumer report pursuant XXXX XXXX XXXX ( XXXX ). XXXX XXXX has repeatedly knowing and willfully violated my consumer rights protected by FDCPA XXXX FCRA. You will be held criminally liable pursuant XXXX XXXX XXXX and civilly liable for all violations XXXX XXXX XXXX. Attached to this letter is labeled as Exhibit A shows proof of these violations. Also attached is an invoice for violating my federally protected consumer rights which is to be paid by check. Also as my remedy I demand reversal of late payments from all my consumer reports, from all consumer reporting agencies and an increased credit limit of {$2000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 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: MD

Complaint narrative:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc.
State: CA

Complaint narrative:
I deposited money into my Binance.US account which ended up resulting in a chargeback ( total of {$770.00} ). The very next day I fixed the issue and within a few days I successfully deposited the original funds and brought my account back to good standing. However Binance.US took it upon themselves to completely lock my account down due to " risk management ''. I have appox {$2500.00} in my account that I had previously deposited way before this chargeback that they have completely locked down and will not let me move or withdrawal any of the funds. None of this original money has ANYTHING to do with the chargeback, and even still I already deposited the chargeback amount ( {$770.00} ) and my account currently sits at a positive balance. This happened about 3 weeks ago and I have been trying to get ahold of any support at Binance.US to help me with this. I've sent multiple emails, submitted multiple tickets, sent direct messages to their twitter account ( that they frequently use for support ), and posted multiple tweets on twitter trying to get a human response from anyone. They don't have a support number, nor do they have a support chat or any way to get in contact with them for that matter, other than just submitting another ticket. I wouldn't feel the need to file a complaint if they had at least even responded a single time to my requests. I have a lot of money in my account that has nothing to do with the chargeback and its insane that they can just lock me out of my account without any reason for holding my {$2500.00} hostage. I've run out of ideas on what to do and I just want them to lift the lock so I'm able to access my funds again. I've done all the work for them. I'm filing this complaint because its been over XXXX weeks and they show no desire to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 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: AMERIS BANCORP
State: AL

Complaint narrative:
I got behind on my mortgage payments. I worked hard and paid three months at one time. I paid XX/XX/2020, XX/XX/2020, and XX/XX/2020 all on the same date, XX/XX/2020. XXXX and XXXX were late. XXXX was not late, but Ameris incorrectly reported XX/XX/2020 as being more than 30 days late. I have struggled to correct this issue since last XXXX when I noticed the mistake. I can not get them to understand that XXXX was not late. I am not disputing that XXXX and XXXX were late. I have been told numerous times that it is being worked on and they recognize the mistake, but it has to be corrected through the research dept, but there has been no resolution. I am out of options of how to correct this mistake, but I am desperate for it to be fixed on my credit report. It is affecting my life with interest rates being higher than they should if this were not reported incorrectly

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 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: WI

Complaint narrative:
I sent a dispute to credit bureau about a collection ( collection name ) and I have not received and response back or any results.

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 2021-03-31 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I sent a dispute to credit bureau about a collection ( collection name ) and I have not received and response back or any results.

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 2021-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hello, I have an XXXX Bank of America savings account where my unemployment money goes into. On eXXXX XXXX, 2020 I discovered that my account has been a victim of fraud and {$8600.00} were stollen from my account. At the time I was overseas and I had the debit card to the account with me. When I called BOA they assured me they will be able to review security cameras and see who stole the money and that the would start an investigation. 
They never sent me any paperwork to fill out nor asked for proof or evidence from me even though I told them over the phone multiple times I could provide proof. They froze my account and I was unable to access it for 4 months. This week I was finally able to unfreeze it but they have not returned the money into my account. They closed my fraud claim and never gave me an answer as to why. I filed a " reconsideration '' but I find it incredibly unjust and feel at this point like BOA has robbed me. This is unemployment money that I need during a global pandemic and I have tried sorting this out for months and keep hitting a wall with them. I am not sure what do to at this point - Take this to the media? Get a lawyer? your help would be greatly appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-31 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: SC

Complaint narrative:
I the consumer noticed information that I did not consent to, authorize nor benefit from on my consumer report with EQUIFAX. No consent is identity theft. On XX/XX/XXXX, I called EQUIFAX and spoke with XXXX XXXX id XXXX and told the agent that the inquiries being reported on my consumer report is identity theft and I did not give consent to, authorize nor benefit from. I told him that I have mailed them a Identity theft report, an Identity theft affidavit, copies of the law and a letter with my written instructions to remove and block the inaccurate information from my consumer report. He then told me he was unable to remove the information because they stay on my file for 2 years. I told the agent that according to the FCRA 15 USC 1681b ( a ) ( 2 ) consumer credit agencies are to provide a consumer credit report by the written instructions of the consumer to whom it relates. I told the agent that I have a right to privacy and did not benefit nor consent to these credit inquiries. I also told the agent under the FCRA 15 USC 1681 ( a ) ( 4 ) that they have a grave responsibility to be fair, impartial and respect my right to privacy. I also told the agent identity theft under the FCRA 15 USC 1681c-2 that information being reported from identity theft must be removed and blocked from my consumer report. The agent then proceeded to explain that he could not delete the information and can do a dispute. I told the agent that this is my reputation, my character and credit standing that this is bearing on and the agent cut me off and would not allow me to speak. I told him that I'm contacting the cfpb about this. He stated that he could not assist and to go ahead with my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
In XXXX of 2020 I purchased 200 rounds of XXXX from a fraudulent website called XXXX. The product for the last 9 months has shown in stock on the website. Their are countless reports of this vendor ripping people off, and they have a XXXX rating of an F. I have disputed this with my Apple card 4x and lost each time. I still do not have the product. I have threatening emails from the merchant telling me he will be my worst nightmare and ruin my life, and the credit card provider refuses to do anything.

Company response to consumer: Closed with explanation