vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-30 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: AR

Complaint narrative:
I had a prepaid card with netspend in which my kids and myself government benefits were loaded o to that card. I went to XXXX  and someone was accessing my account myself and the XXXX  was trying to help me get my account froze and or get I sent to the XXXX  XXXX in which those calls I made in XXXX  was on a recorded line I even asked for a special code word to be put on and they did but someone someone was still access mu money and info changing things so I couldn't even access my card when I went loosed everything my house was broken in everything gone or stolen. Fast forward once I got out which was in XX/XX/XXXX I went in XX/XX/XXXX they reimbursed like XXXX but said it was my fault that my money was stolen I even provided a police report and the report from the XXXX  showing when I went in and got out. I asked for them to pull the recordings they wouldn't they denied my claim twice then refused me service and said that I can't no longer have an account and couldn't never get one and that all my account info is closed .today XX/XX/XXXX I made contact denied and they wouldn't transfer me to a supervisor and kept disconnecting the line. Please help me recover my funds and take action against netspend

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: MRS BPO, LLC
State: NH

Complaint narrative:
Was charged on my credit report, For unpaid bill to XXXX XXXX XXXX, I dont even have a account with them, never have ... .. 
Called reporting agency MRS BPO , LLC. No help at all, if anything very rude!! 
was told need to file police report, and then they will talk to me ... or I could settle with them now ... .Call my police dept. for needed report, they said i should call XXXX XXXX XXXX to verify claim against me first .... I called XXXX XXXX XXXX and was able to prove myself, and is a case of thief identity, Two weeks later, XXXX XXXX XXXX claims it will take 60-90 days to remove from my credit!!!

Number 1 XXXX XXXX XXXX should not have issued XXXX worth of credit without any varication.

It was harder for me to prove my self, then was for someone to get product, in my name!!! 
what about my time in all this XXXX This whole process is a sham.. only the innocents are guilty ... .very little help from anyone ... total rip off!!!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-30 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: CA

Complaint narrative:
Recently I reached out to XXXX XXXX about these inaccuracies on my report. They did their investigation and have yet to send me the results. I have called several times asking for the results and all details involving their findings. I have yet to receive anything. I also called and requested the " Debt Validation '' " Audit trail '' and Pursuant of GAAP '' but they have refused to send it to me for some reason. This will be my last step before taking legal action towards this company and the reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Recently I reached out to XXXX XXXX about these inaccuracies on my report. They did their investigation and have yet to send me the results. I have called several times asking for the results and all details involving their findings. I have yet to receive anything. I also called and requested the " Debt Validation '' " Audit trail '' and Pursuant of GAAP '' but they have refused to send it to me for some reason. This will be my last step before taking legal action towards this company and 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 2021-06-30 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I submitted a letter from the alleged company ( Capital One ) which showed that the supposed debt/loan was not carried out by said company. I also contacted the credit agencies to dispute the negative reporting by Capital One and my credit score was amended because of that proof. However Capital One failed to resolve the dispute on their end or notify any collection agencies that the dispute was a result of their reporting error and closed the dispute using incorrect data. Capital One failed to note in their report that the car loan in dispute doesn't match the sales record of a car I did buy and paid off was in good standing ( I've had the title to the car since XXXX ). Capital One also failed to note that the credit card listed was reported stolen in XXXX or XXXX and could not possibly have been used to get a car loan. 
This whole mess with the collection agency is the result of faulty reporting errors by Capital One which also failed to act on a previous CFPB complaint ( this is not a continuation of that complaint ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: AZ

Complaint narrative:
Experian XXXX. XXXX  XXXX XXXX, TX XXXX I HAVE RECEIVED NO RESPONSE AND NO PROOF ON HOW YOU VERIFIED THIS ACCOUNT. ( XXXX XXXX ) YOU ARE REQUIRED BY LAW TO PROVIDE ME WITH PROOF AND RESPONSE. 

NO RESPONSE IS ADMISSION, WHICH MEANS YOU ADMITTED TO NOT VERIFYING THIS DEBIT AFTER ME CHALLENGING IT. 

THE FOLLOWING ACCOUNT WAS VERIFIED BUT NO verification was provided the only information you replied with remains/ your erroneous acts and illegal business practices have ruined my reputation as a consumer and i fully intended to pursue any litigation or taking you to court if this is is not removed or verified 100 % per law. 

Send me proof of how you verified Name of Account Account Number Provide Physical Verification XXXX  XXXX XXXX Unverified Account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: The Bureaus, Inc.
State: NC

Complaint narrative:
I am really dumbfounded with what is going on in my credit file. This are trying times and everyone is on rebuilding. I am building my credit standing yet these accounts appear to affect my scores so bad that I am losing hope. Please help me out with them and eradicate them from my credit file. To point things out, these account has a lot of missing identification and information that can not stand to be reported. Please investigate and remove them right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I am really dumbfounded with what is going on in my credit file. This are trying times and everyone is on rebuilding. I am building my credit standing yet these accounts appear to affect my scores so bad that I am losing hope. Please help me out with them and eradicate them from my credit file. To point things out, these account has a lot of missing identification and information that can not stand to be reported. Please investigate and remove them right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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 and the credit bureaus are all committing fraud. They are reporting late payments for a car that they claim they have in their possession. XXXX XXXX and the credit bureaus are also claiming a repossession on my credit profile and are also reporting inaccurate late payments trying to portray to anyone viewing my credit that I have a car in my possession that I DO NOT have in my possession and this issue is causing me not to be able to obtain credit. Pursuant to GAAP ( generally accepted accounting principles ) XXXX have to prove the money left their account if they gave me a loan like they claim they did. Why wouldnt they be able to do that? Because they didnt loan me anything!!!! XXXX would also be committing fraud if I gave them credit and they got a loan in my name ( fraud ) all support document of these claims will be attached. When an organization gets a loan in your name then creates and furnishes a deceptive form to make you think that you got a loan its fraud. In reality the consumer on only come for credit. In all actuality the promissory note was for XXXX because they got the loan according to 12 usc1431 Also the credit bureaus took XXXX XXXX off my reports then added it back without notifying me within 5 business days. According to FCRA ( a ) section 5 ( b ) ii they have to notify me within 5 days. 

Also they should take court case : Court Case : Eaglehart vs Gravens 281sw715.819.1 inti consideration It is inaccurate for XXXX and the 3 credit bureaus ( trans union XXXX XXXX XXXX and XXXX  ) to keep reporting on my credit report if they claim in the comments that they sold the dept to another lender screenshot proof will be attached Not one law says anything has to be reported so this is proof that XXXX and the credit bureaus are voluntarily breaking the law by reporting inaccurately on my credit profile They also took it upon themselves to reage the account after reinserting it without me knowing

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX  and the credit bureaus are all committing fraud. They are reporting late payments for a car that they claim they have in their possession. XXXX XXXX and the credit bureaus are also claiming a repossession on my credit profile and are also reporting inaccurate late payments trying to portray to anyone viewing my credit that I have a car in my possession that I DO NOT have in my possession and this issue is causing me not to be able to obtain credit. Pursuant to GAAP ( generally accepted accounting principles ) XXXX have to prove the money left their account if they gave me a loan like they claim they did. Why wouldnt they be able to do that? Because they didnt loan me anything!!!! XXXX would also be committing fraud if I gave them credit and they got a loan in my name ( fraud ) all support document of these claims will be attached. When an organization gets a loan in your name then creates and furnishes a deceptive form to make you think that you got a loan its fraud. In reality the consumer on only come for credit. In all actuality the promissory note was for XXXX because they got the loan according to 12 usc1431 Also the credit bureaus took XXXX XXXX off my reports then added it back without notifying me within 5 business days. According to FCRA ( a ) section 5 ( b ) ii they have to notify me within 5 days. 

Also they should take court case : Court Case : Eaglehart vs Gravens 281sw715.819.1 inti consideration It is inaccurate for XXXX and the 3 credit bureaus ( XXXX XXXX , XXXX  , and Experian ) to keep reporting on my credit report if they claim in the comments that they sold the dept to another lender screenshot proof will be attached Not one law says anything has to be reported so this is proof that XXXX and the credit bureaus are voluntarily breaking the law by reporting inaccurately on my credit profile They also took it upon themselves to reage the account after reinserting it without me knowing

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: M&T BANK CORPORATION
State: FL

Complaint narrative:
1. M & T bank charged me 3 overdraft fees for the same transactions resulting in {$110.00} in fees for a {$9.00} transaction. 
2. I tried explaining to M & T bank that I have not been using the account for almost a year, or maybe longer and I can not understand why door dash charged my monthly subscription to this account while they charged all my other purchases to my default account which I use on a daily basis. 
While trying to retify this, along with other transactions on the account which I did not make, they closed the account and sent it to collections. 
Now they're telling me my only options are to either pay the bill or don't pay. But if I don't pay. Its gon na be put on my credit. 
I think its unfair to me being that I never initiated a payment with this card.

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 2021-06-30 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Credit hard inquiry done on my name, not even my social security number, done on XX/XX/20. I tried getting deletion of account from sync/tjx XXXX XXXX. TjMaxx credit card. I did not apply for credit, yet i was penalized and since have not been able to delete from my credit reports. Both XXXX  and Synchronchy bank  have not corrected problem. I file a fraud case with FTC and when I sent that to XXXX, they received report, but when they uploaded it to their system, it was not legible to fraud department. They ordeal has caused me financial hardship and i am thoroughly disgusted at that fact that nobody cares what happens to me, because of peoples errors against me. I have since sent my copy of FTC report to Transunion and hoping they will correct report and delete synch/tjx XXXX credit inquiry from refit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-30 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: UT

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: AFNI INC.
State: NC

Complaint narrative:
I am really dumbfounded with what is going on in my credit file. This are trying times and everyone is on rebuilding. I am building my credit standing yet these accounts appear to affect my scores so bad that I am losing hope. Please help me out with them and eradicate them from my credit file. To point things out, these account has a lot of missing identification and information that can not stand to be reported. Please investigate and remove them right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: MoneyLion Inc.
State: TX

Complaint narrative:
I received a debit card from XXXX that I never applied for. 
My information was compromised months ago. I had my credit frozen after receiving a letter for unemployment benefits and a debit card from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: FL

Complaint narrative:
These are fraudulent inquiries on my report please remove them. 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
Consumer complaint received 2021-06-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
I have never had any contact with this company, nor did I conduct any business with such company, If there is any contract signed by me and them, Perhaps then and only then I would address this illegitimate claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
This account or loan was made for someone else. I DISPUTE THIS ACCOUNT INFORMATION, and as a proof, the comments section has this statement. I asked to this company to remove the collection from my credit report, unsuccessfully.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Aqua Finance, Inc.
State: NC

Complaint narrative:
I had to make a late payment, so I called and asked if I could make a double payment for {$290.00} after I got my check on XX/XX/XXXX or XXXX. I told him I get paid on the XXXX but sometimes it doesn't clear until the next day so I would pay by Saturday the XXXX at the latest. He said something at the end of the call that made me say, Sir I do not want an automatic payment t set up. XXXX XXXX is funny, and because sometimes my check clears later that night or the next day if you take that payment out in the morning or before my check clears they will charge me an overdraft fee. I EXPLICITLY said I do not want an automatic payment set up and told him why. He said this isn't an automatic payment you can just go online and pay it like you usually do. So they did an automatic payment on the XXXX anyway before the end of the business day. My check had not cleared yet, so my bank emailed me about the transaction. I called them, they said they could not stop the payment, but that if I showed them the transaction and negative balance, and showed them the overdraft fee they could reimburse me the overdraft fee. That was fine. Then XXXX called back and said that a supervisor had reviewed the call and that the payment was agreed upon. That is a bold face lie. I EXPLICITLY said in exact words that I DO NOT WANT AN AUTOMATIC PAYMENT SET UP and told him why, and he definitely replied with, It isn't an automatic payment ... .etc. so I asked XXXX to let me speak to someone who would review the call on the phone with me and then tell me I agreed to it. She put me on hold, came back and said she couldn't get a supervisor because she works from home and the people that review the calls work in the office. Then at the end of the call she said, " Yes ma'am, I'll do that tomorrow as soon as I come into the office. '' So she lied to. I want Then to review that call with someone in the FTC and then explain why they are doing what their customers EXPLICITLY ask them not to do, taking payment without and consent after they were expressly told they DID NOT have my permission to do so. Then they can explain why they lied and said I did agree to it so they didn't have to give me back the {$35.00} extra they cost me by doing what I told them they did not have my permission to do. I could have stopped the payment through my bank but it would have e cost me {$31.00} to do that and the overdraft fee was about the same, I had to make the payment anyway so I did not do that. But what they did, and lying about that and other things is unethical and fraudulent.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief