vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX. XXXX  XXXX XXXX  XXXX, XXXX XXXX Last 4 of SSN : XXXX RE : Account Number XXXX To whom it may concern, I am contacting you because I have found some information that is in-accurate on my credit report. You are reporting a late payment on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX on the account XXXX XXXX  Account Number XXXX This is not true, I was not late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I request that you verify the information and update the payment history on this account as PAID, NEVER LATE with all 3 credit bureau. I was on the Coronavirus-Related Mortgage Assistance Plan and I have been making my payments on time.

After doing so please provide me with an updated credit report reflecting the changes.

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 2021-07-14 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Experian wont report my credit card. Initially they told me that I had to request my credit card issuer report it to the credit bureaus. I did, and XXXX  and XXXX  reported it. Its been over a month now and Experian still wont report it on my credit report. Ive emailed them constantly but they just ignore my request completely.

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 2021-07-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was part of a romance scam where the scammer scammed me out of ~ {$190000.00} by pretending to be a love interest over a 5 year period. Scammer pretended to be medical school student who needed assistance with school tuition, housing, etc. I recently contacted Bank of America 2 weeks ago to discuss this issue but they are unable to reverse any charges as scammer had my banking information. Scammer 's credit card was linked to my account and was able to charge my account. Scammer also asked for direct transfers via Bank of America 's XXXX so all of the stuff should be in the system. Bank of America pretty much told they couldn't do anything despite her even charging my account as recently as of XX/XX/2021. I even told them I reported this to the FBI

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 2021-07-14 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: DISCOVER BANK
State: CA

Complaint narrative:
I used Discover card to purchase a XXXX  branded camera as advertised for {$59.00}. However, when I received the camera, it was a generic counterfeit product instead of the XXXX  brand. The selling website is a business located in XXXX with a warehouse in XXXX California. After trying to resolve the issue with the seller with no resolution, I reached out to the Discover card customer service to open a dispute. I have submitted the following proof to the discover card : 1. Screenshot of the website product display showing the XXXX  branded camera.

2. Photo of the actual product received showing not a XXXX  branded door camera.

3. Order comfirnation and correspondance with the seller showing the seller is unwilling to provide me with a return address or prepaid shipping label. And the " warning '' from the seller that I need to bare huge return shipping cost sending the product to an unknown destination. 
It took Discover card more than a month to process the dispute, during which time, I received just one email saying that they are still investigating. 
During the week of XX/XX/XXXX, they sent me a final decision that they can not dispute the charge because the seller showed proof that I authorized the purchase, so the purchase is valid. 
In my honest opinion, the seller was able to show that I make a purchase and they sent me something. But Discover card totally disregarded the documentation and evidence I submitted showing the different product I received and the unwillingness of the seller working with me to resolve the issue. In this case, Discover is the only party that can protect a consumer, however, they chose look the other way around so they can keep the merchant fee of the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I made a reclamation cause {$130.00} Wells Fargo ' Bank and they answer to me : " The purchases was made for you or someone who had your permission '' It is ridiculous cause I am victim identity theft from 2017. Who can think being victim identity theft I can to give or provide my card pin to other person? I need my money A.S.A.P.

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 2021-07-14 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AP

Complaint narrative:
I am a United States citizen XXXX  at XXXX XXXX XXXX in XXXX my wife is an XXXX XXXX member of the United States XXXX. I arrived at XXXX in XX/XX/2021, and in XXXX arranged to purchase a car from a XXXX auto broker. 

I contacted Bank of America on XX/XX/XXXX to inquire about wiring the cars purchase price to the broker to complete my purchase, and was assured by the XXXX XXXX  customer service agent that, although the default limit for an international wire transfer was {$1000.00}, they would able to wire as much as {>= $1,000,000} ( which well exceeded the vehicles purchase price of approximately {$65000.00} ). After receiving the final invoice and payment instructions from the broker, I logged in to BofAs website to initiate the wire, but the website refused to allow a transfer above {$1000.00}. 

I contacted BofAs representatives again on XX/XX/XXXX, who then informed me that due to an ongoing change to their verification system, they would be unable to process the wire until at least the end of the month. They did note that they would be happy to verify and complete the transaction if I visited a BofA branch, but as the spouse of an American XXXX  XXXX  in XXXX, that is not a possibility for me. While some representatives were kind enough to escalate the situation to their superiors, those persons, when I was even able to reach them, refused to provide any solutions to allow me to wire my money. Furthermore, I was informed that I could not even make a domestic wire of greater than {$1000.00} had I not had a previously linked account with another financial institution, I would have had severely limited ability to withdraw nearly {$100000.00} I had in BofA accounts. 

To say this situation is absurd is an understatement the essence of a banks purpose is to move capital between persons that have capital and need it, and for BofA to take such a critical system offline defies logic and violates their fiduciary obligations. I understand and appreciate the need for proper verification of the person making a wire in order to prevent fraud and theft, but refusing a customer any means of verifying their identity in order to make a needed transaction in a timely fashion is comparable to theft in its own right. Furthermore, the utter disregard for American XXXX, their families, and other Americans unable to physically visit a branch is astounding.

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 2021-07-14 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: FL

Complaint narrative:
According to the FCRA and the FDCPA by law, XXXX, XXXX  and Transunion are supposed to report information accurately on our ( the consumers ) credit file.

I have already sent information to these creditors negating these accounts. It is imperative that the bureaus report information with accuracy, otherwise, they are reporting information that brings defamation to my name. 

XXXX XXXX : XXXX I've sent documentation to have this company prove and verify this account. At the bottom, you will see the documents I sent both of these fraudulent accounts. In addition, the last date of activity is showing three different months. There's no way to have a last date of activity to be three different months. 

XXXX XXXX : XXXX I've sent the save documents to this company as well to prove the information. To make it even worse, the information they're report isn't consistent. The balance reporting on XXXX  and Transunion are two different amounts.

According to the FCRA and the FDCPA, you are to report factual information. 
Remove these accounts immediately. 

Documents sent to both of these companies for them to prove the debt : - RESPA QUALIFIED WRITTEN REQUEST, COMPLAINT, DISPUTE OF DEBT & VALIDATION OF DEBT LETTER, TILA REQUEST - ( 1 ) NOTICE VERIFIED MORTGAGE HOLDER BILLING ERROR DISPUTE FORM - ( 1a ) Affidavit - Notice of Adequate Assurance of Due Performance - ( 1b ) NOTICE and DEMAND to Cease and Desist Collection Activities Prior to Validation of Purported Debt - ( 2a ) Affidavit of Truth - ( 2b ) AFFIDAVIT ( Bank ) - ( 3 ) Affidavit - NOTICE OF ALLEGED LOAN DISPUTE - ( 4 ) Affidavit - NOTICE OF HOLDER IN DUE COURSE STATUS - ( 5a-1 ) Affidavit - NOTICE FOR REQUEST OF CONFIRMATION ( 1 ) OF TERMS AND CONDITIONS OF AGREEMENT - ( 5b-2 ) Affidavit - NOTICE FOR REQUEST OF CONFIRMATION ( 2 ) OF TERMS AND CONDITIONS OF AGREEMENT - ( 6 ) Affidavit - NOTICE OF BREACH OF AGREEMENT - ( 7 ) Affidavit - NOTICE and DEMAND FOR FULL DISCLOSURE

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 2021-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: CA

Complaint narrative:
I received my unemployment direct deposited into my account and the day my backdated unemployment deposited into my account the closed my account. Saying they wanted me to verify that it was my money and not an accident and I did and they still are holding my money XXXX. This single action made me homeless living on the street with no way to live all because I was not able to pay my rent due to covid and waiting for my unemploynr t to be approved after fighting them to just lose it all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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: NJ

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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: IN

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NY

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
Consolidated all qualifying loans with Fed Loan on XX/XX/XXXX. Started working for eligible PSLF program starting XX/XX/XXXX through XX/XX/XXXX. However, Fed Loan states that XX/XX/XXXX " You Do Not Have A Bill Due For This Payment Period '' and XX/XX/XXXX " You Do Not Have A Bill Due For This Payment Period '' therefore are not counting these two months as a part of the 120 months for payment which doesn't make any sense as I was working for a qualified employer since XX/XX/XXXX. Fed Loan also states that from XX/XX/XXXX - XX/XX/XXXX my employment isn't certified even though I fill out the recertification of employment annually without missing any steps to keep record of the count. I recently filled out the recertification form ( XX/XX/XXXX ) to re-certify the same employment I've been working at since XX/XX/XXXXand was emailed " We will process your Income-Driven Repayment ( IDR ) recertification request once the final bill of your current schedule is generated on XX/XX/XXXX. '' This statement also doesn't make any sense as my final bill shouldn't be until many years down the road. I would like an updated official count on my PSLF loans before my loan is transferred to another servicer. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
Affirm is stating I the consumer owe an alleged debt which is false they are using obscene and profane language, which is a violation of 15 U.S.C. 1692d ( 2 ) and a host of others violations which I have stated to them via a cease and desist letter. They have been illegally contacting me and abusing FDCPA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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: NC

Complaint narrative:
Hello my name is XXXX XXXX and i am reaching out to you concerning my credit report. On XX/XX/2021, I sent a letter regarding inaccurate and unknown information on my credit report. It has been over 45 days and I have not received a response to my disputes. I feel as though Im being ignored, and my issues aren't being promptly resolved. Section 611 ( a ), it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove the items from my credit report and it has been over 60 days so they should be deleted promptly. I demand these accounts be removed or I will be forced to seek litigation. My information was also impacted by the Equifax breach and may have gotten into the hands of the wrong people.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Ria Envia, LLC
State: GA

Complaint narrative:
I would like to say is that this company wasted my time. I initiated a transfer on Monday and had to verify my identity through their third-party verification company. Then I received a confirmation/receipt that my transfer has been initiated. 

A few hours later I received an email stating my account is under review and that I have to upload my identity. I emailed them and told them that I have already uploaded my identity and I thought that everything was good to go. Even when I tried to log in to upload more documents the message states " We are checking your documents ''. 

The next day I received a call from a rep and she asked why I am sending the transfer to myself. I told her that I live in the XXXX also and need to send money to myself from my US account. The upload page was working now so I reuploaded my passport. 

Today, I woke up to an email saying my account and transaction is canceled. Wow! What a waste of time. They have already debited the funds from my bank account. They should have at least got my account approved before debiting my account. Now I have to wait to get my money back. 

I think they are earning interest on my money. Stay away from XXXX. They discriminate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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: NV

Complaint narrative:
Under 15 US Code 1681b Permissible Purposes of Consumer reports A ( IN GENERAL ) Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written insturuction of the consumer to whom it relates. 

I, the natural consumer, XXXX XXXX have not given Equifax, XXXX and XXXX the Consumer reporting agencies any written consent to report any certain information on my consumer report. No consent is identity theft. 
Pertaining to the following accounts, I wish to have the following information removed from my consumer report at my consent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation