vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-14 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: HYUNDAI CAPITAL AMERICA
State: VA

Complaint narrative:
Hyundai Capital America account # XXXX .... This account is reporting incorrectly. I have mailed the company a letter that states the account is being reported incorrectly. This account is being reported on my XXXX Report as a charge off. This account should be reported " Included In Bankruptcy '' This company is violating Bankruptcy Laws and the FCRA. I am demanding a deletion.

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 2021-01-14 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX account # XXXX .... This account is reporting incorrectly. I have mailed the company a letter that states the account is being reported incorrectly. This account is being reported on my Experian Report as a charge off. This account should be reported " Included In Bankruptcy '' This company is violating Bankruptcy Laws and the FCRA. I am demanding a deletion.

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 2021-01-14 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXXBalance : {$22000.00} - You are reporting inaccurate information as the past due balance is wrong. Updates or rather delete this erroneous account. 

XXXX XXXX XXXX Balance : {$510.00} - This account is indexed as a charged off account, please make sure that you produce a documentation that this is mine. As per the rights given to me by the fair credit billing act if you can not grant these records to me, instantly get rid of this incorrect posting. 

XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$5300.00} - This account has been transferred/sold, but you are still reporting this account with the original creditor. You are reporting this inaccurately. Delete Immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
This is in regard to my credit card XXXX, XXXX violated visa rules and FCRA, I start XXXX disputes with wellsfargo, XXXX was declined and XXXX was resolved to make thing sample i Prepay the claim amount of {$100000.00} XXXX {$36000.00} XXXX ) After dispute was resolve, XXXX case was denied, they refund {$36000.00} XXXX ( {$72000.00} ) They issue a check, XXXX month later, wellsfargo return the check, reverse the dispute. and recharge my account of $ XXXX XXXXmonth later, They own policy is to resolve the dispute in 60 to 90 days. and visa policy is 90 days or less. and the case, dispute was prepaid in the first place of {$100000.00} to resolve any issue. still return, reject they own check, recharge my account. unbeliveable

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 2021-01-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: PA

Complaint narrative:
Applied for a credit card that I never received. Called company to ask about status of card and was told there were unauthorized transactions on the card. Told that account was closed and new card was sent to me but never received card. Neighborhood has had complaints of people stealing mail and packages. Spoke with Discover multiple times told me they would fix the situation only to put me through financial hardship for about two years. This has hurt my chances on getting new credit with fraudulent delinquency on credit report. This has hurt me for two years I havent been able to get a house because of this. Discover opened the account without my consent I wasnt the one who initiated the original activation of the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: U.S. BANCORP
State: TX

Complaint narrative:
Back around XXXX of 2020, I lost wallet or it got stolen. So I called the US Bank XXXX XXXX people to let them know. Later that day I realized I had the card in my pocket still from using it the night before. Anyways, I called to let the company know and they told me it was to late my account had been frozen. So in order to get back on my account I got to have a valid ID front and back and take a selfish. Now im like I just told you I don't ha e my wallet ita gone. Anyways, they wanted a front and back picture of my id and had to be the hard copy kind not the paper like they give you. So here I am +3months later and I'm still waiting on my id to come through the mail and on the verge of losing everything. I got {$1500.00} in this account I really need b4 I have no place to live. What I'm saying is can't the people over at US Bank or XXXX XXXX services do some kind of zoom or face time to verify who I am. I mean the people that are " '' offline '' ' they use bc you can't talk to them I guess, already know everything about me anyways so surely they have a picture and can see if its me.. Wouldn't that be so much easier and less time consuming. This way people like me can get back to enjoying our lives! But when alot of what we have is in the bank and everything takes months to do at a time. Doesn't this seem alot more sensible? Thank you for your time.

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 2021-01-14 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: Veros Credit, LLC
State: CA

Complaint narrative:
your making my credit score terrible and the info you have is incorrect and not true i was in XXXX  during those years wrong person my info was used before also i just recently found out for multiple things that are not me .that are affecting my credit negatively please erase your remarks on my report thankyou

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 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: AL

Complaint narrative:
I AM TERRIBLY OFFENDED. I AM IN THE PROCESS OF GETTING A NEW JOB AND MOVING TO A NEW CITY AND I FOUND THESE FRAUDULENT ACCOUNTS ON MY PROFILE. I SUBMITTED A DISPUTE AND IM BEING ACCUSED OF NOT BEING MYSELF. SO YALL LET SOMEONE GET CREDIT IN MY NAME, NOW WHEN I DISPUTE IT YALL TELL ME IM NOT ME. I FEEL TOTALLY VIOLATED AND THIS IS CAUSING ME A LOT OF EMOTIONAL DISTRESS. REMOVE THESE INACCURATE ACCOUNTS FROM MY PROFILE OR I WILL HAVE TO USE LEGAL MEANS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I dispute this account XXXX XXXX XXXX XXXX last month and I received a letter from Equifax saying The Disputed Item is NOT Currently Reporting on The Equifax Credit File but I just got a copy of my credit report and that account is still there. Im sending a copy of the letter send to me from Equifax after my dispute of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 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: DE

Complaint narrative:
I have had a Bank of America Visa Card for well over 20 years. And, I am writing out of simple frustration. 
A fraud was committed early last month and I am missing {$1700.00}. In three separate phone calls ( XXXX, XX/XX/XXXX, and XXXX ), I have been promised a refund of {$1700.00} into my bank account. I was also assured that I am not responsible and would receive a refund. As of today, this money has not appeared. I have abbreviated the situation below : XX/XX/XXXX I paid the amount of {$1700.00} to my credit card, online, and the funds were withdrawn from my XXXX XXXX XXXX XXXX Checking Account. 

XX/XX/XXXX This amount was refunded to my card as a Return Payment. This action was not initiated my me, nor by my spouse who has access to the card. I was eventually told, in my series of phone calls, that someone had impersonated me by calling Bank of America. He/she requested the payment be stopped and the fund returned to his/her bank. It was revealed that the checking account # where the funds were sent was NOT mine. Therefore, I am missing {$1700.00} due to fraud. 

XX/XX/XXXX AND XX/XX/XXXX - Met with XXXX XXXX at the XXXX XXXX XXXX XXXX XXXX  XXXX XXXX twice. He was very sympathetic telling us we should be getting the money refunded. He attempted to resolve it twice by calling various B of A numbers, he ended up being frustrated and hung up on them. I have emailed him three times within the last 3 weeks and have received no response. 

XX/XX/XXXX - I received a letter from Bank of America stating that the case was now closed! Nothing is closed. I am still missing {$1700.00}! 

When I called on XXXX about the situation, I was assured that I would receive the funds back very quickly as it was fraud. 

When I called on XX/XX/XXXX, I was assured that the funds would be received by XXXX. In this conversation, it was agreed that my card should be replaced, which is was. 

When I called, XXXX, I was told it could take up to 60 days, as Bank of America needed to get the money back from the person who committed the fraud. 

I am completely annoyed and frustrated that I am out {$1700.00} and particularly because I have consistently been lied to about when the funds would be returned to me. Why am I having to go without my money when the fraud had nothing to do with me whatsoever? I paid my account on XX/XX/XXXX ( like I regularly do every two weeks ) and the {$1700.00} disappeared! 

Finally, I have received no updates or responses from Bank of America that this case is being worked on nor of the real status of when my {$1700.00} might be refunded.

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 2021-01-14 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 — Card was charged for something you did not purchase with the card
Company: Jim Bottin Enterprises, Inc
State: RI

Complaint narrative:
A company called ABC XXXX XXXX made two recurring charges to my XXXX Credit Card for {$20.00} on XX/XX/20 and XX/XX/20. The credit card company has determined I'm not responsible for these charges ; however, I continue to received automated calls from ABC financial, which identifies itself as their billing company. Their voicemails, received from XXXX, say there is an " extremely urgent '' problem with my billing and to contact them at XXXX. I have never had any affiliation with ABC XXXX XXXX. They continue to harass me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
This account XXXX  XXXX XXXX XXXX being reported only by Experian is NOT mine. Please provide Verifiable Proof ( an original Consumer Contract with my Signature on 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 2021-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc.
State: FL

Complaint narrative:
I have contacted XXXX and the binance ticket XXXX  desk. 

I ACH transferred US dollars to this account and purchased XXXX tether with the intention to transfer this money to a working platform ( invest there ). 

Since XXXX  0f XXXX, Binance is barring this account from transfers without explanation. I have written numerous time and have never received a response to my inquiry " Why are transfers from this account being blocked? '' This company has a complaint history of poor service and there are allegations of theft of their customers ' funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: PA

Complaint narrative:
I purchased a car with XXXX in XX/XX/XXXX. The vehicle is a XXXX XXXX XXXX XXXX. My finance company which is through XXXX is called Bridgecrest Acceptance. Since purchasing my vehichle, I have not received a statement. There is no option online through bridgecrest.com to view my statement. They have my mailing address, I've received nothing in the mail. They have my email, I only receive emails when it is time to pay. After doing research, this seems to be the norm with BRIDGECREST ACCEPTANCE. THEY DO NOT PROVIDE STATEMENTS SO YOU NEVER KNOW WHERE YOUR MONEY IS GOING!!!! This is insane. I am 6 months into my loan and have no idea what is left on my loan. They have only reported twice to the credit bureaus, the last time being XX/XX/XXXX. I don't know what is left on my loan. I have paid {$1600.00} and the amount shown on my credit reports only reflects a difference of {$270.00} in my loan. Where is my money going??? This should be illegal! I am due to pay another {$330.00} again this week. I have not received ONE STATEMENT from this company since XX/XX/XXXX!!! I have never been through this in my life! I RECEIVE STATEMENTS FOR EVERY SINGLE THING THAT I PAY FOR! This includes utilities, credit cards, and phone bills. Why is this the difference? I should be getting a statement EVERY SINGLE MONTH.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experian has refused to supply proof of investigation of a fraudulent account XXXX XXXX XXXX, XXXX XXXXXXXX ( I have been a victim of identity theft as they have noted on my credit file ) on my credit file. I have written Experian on several occasions. They have responded and told me that they will not reinvestigate the matter. Under section 616 of the FCRA Experian is required to supply proof and method of their investigation. Experian has yet to abide by the law. This blazing attack on my credit worthiness has caused me great financial harm.Therefore, I'm giving one fine goodwill reach our before suing under section 616 Experian also claimed to CFPB that they need approval for account due to me listing another source on the complaint. This is not true and Experian has again used another stall tactic in order to circumvent the law. Experian has full authority to access my account just as much as they have allowed an erroneous account to be reported without any true verification.

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 2021-01-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP
State: VA

Complaint narrative:
Fidelity reported me late to credit bureau for a transaction in dispute. Fidelity eventually refunded me interest and late fees, but haven't corrected reporting to credit bureaurs

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 2021-01-14 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 — Investigation took more than 30 days
Company: LEXISNEXIS
State: NC

Complaint narrative:
back in XXXX of XXXX  I sent a letter to my local courthouse regarding the verification of a BK on my credit report as there is some information listed that is not correct. They sent me a letter back stating that the bankruptcy courts has no affiliation or communication with any credit bureaus. So I intern contacted Lexis Nexis and the 3 bureaus for verification of the BK information listed on my credit report. It is my understanding that in order for it to be placed on my credit report the information that I believe is not 100 % percent correct that as a consumer I have the right to request proper validation which means lexis Nexis, XXXX, XXXX  and XXXX  will need to perform a proper investigation. If the bankruptcy courts do not communicate with credit bureaus, I am unsure how a proper investigation of the information I am concerned about can be done. First letter to courthouse was sent XX/XX/2020 received response XX/XX/2020. Send their response to lexis nexis and the 3 bureaus after requesting an reinvestigation of the information listed. I received no response from anyone. I in return sent a no response letter end of XXXX to XXXX, XXXX  and XXXX. I called lexis nexis and they stated they never received my letter so the next day I sent it certified and it shows they received it. Till this day I have yet to receive ANYTHING at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
THESE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION 15 USC 1692e. THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS WHICH IS ANOTHER VIOLATION UNDER THE FCRA.

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 2021-01-14 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: AL

Complaint narrative:
I AM TERRIBLY OFFENDED. I AM IN THE PROCESS OF GETTING A NEW JOB AND MOVING TO A NEW CITY AND I FOUND THESE FRAUDULENT ACCOUNTS ON MY PROFILE. I SUBMITTED A DISPUTE AND IM BEING ACCUSED OF NOT BEING MYSELF. SO YALL LET SOMEONE GET CREDIT IN MY NAME, NOW WHEN I DISPUTE IT YALL TELL ME IM NOT ME. I FEEL TOTALLY VIOLATED AND THIS IS CAUSING ME A LOT OF EMOTIONAL DISTRESS. REMOVE THESE INACCURATE ACCOUNTS FROM MY PROFILE OR I WILL HAVE TO USE LEGAL MEANS.

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 2021-01-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have requested removal of unauthorized inquiries on my credit report with Transunion on more than one occasion. However Transunion claims to dispute the inquiries and have them removed. These inquiries still remain on my credit report without any validation provided to me. I have requested this information and Transunion refuses to provide me with any information. 

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2021-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: IL

Complaint narrative:
DEBT COLLECTION COMPANY IS FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION 15 USC 1692e. THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS WHICH IS ANOTHER VIOLATION.

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