vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I recently had my credit report pulled by a bank because I am in the process of purchasing a home. On my credit report, Trans Union shows a student loan from XXXX XXXX University ( where I attended ) for {$2000.00} that caught my attention because I had never seen it before and have been paying on my student loans since XXXX. The credit report stated this loan has not been updated in Trans Union 's system since XX/XX/XXXX. I contacted XXXX XXXX University and XXXX XXXX ( which is the loan provider XXXX XXXX uses ) and they could not find this loan anywhere in their system. After 50+ phone calls to XXXX XXXX and XXXX XXXX from XXXX, Heartland concluded that this portion of the loan was never updated to Trans Union from XXXX XXXX, which is the loan provider XXXX XXXX used XXXX XX/XX/XXXX. I attended XXXX XXXX University from XXXX XXXX XX/XX/XXXX. In XXXX of XXXX, XXXX XXXX university transferred all of the student loan accounts from XXXX to XXXX XXXX. On my credit report from Transunion, it is showing I still owe XXXX  that loan amount because Transunion has not gotten any updated loan information from XXXX XXXX about my account since XX/XX/XXXX. So, it is still showing on my credit report that I have a balance with XXXX XXXX of {$2000.00}. Transunion informed me the only way this can be changed is if XXXX XXXX sends them an updated report showing that this account no longer exists or has been transferred/paid off. I called XXXX XXXX 3 times on XX/XX/XXXX and they informed me they can not help because they can not find my loan account ( because it was transferred to XXXX XXXX ). They are unwilling to help me and I do not know where else to turn. I can confirm this loan amount was with XXXX XXXX because all of their loan accounts start with the same XXXX numbers, and the account number that is on the attached document match. I need this removed from my credit report because it is no longer valid, and no one will help me. The attached file is information of the account balance I am referring to. I tried to file a dispute with Trans Union and this was the result. Trans Union reached out to the contact information provided, but it is the contact information for XXXX XXXX, not 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 non-monetary relief
Consumer complaint received 2021-12-11 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: GA

Complaint narrative:
I acquired a loan XXXX 2021 with XXXX XXXX XXXX. I attempted to no avail to have my account balance updated on my credit report in XXXX, so I refinanced with XXXX XXXX since they were being unprofessional. The loan has been paid off, I have made the first payment to the new lender, XXXX XXXX, and still XXXX XXXX XXXX has NOT closed the account. They always respond they're in the process and XXXX  has gone along and that's why the balance reflects XX/XX/ 2021. Now it looks like I owe almost $ XXXX for a car I only owe $ XXXX and some change. Please, please help. XXXX XXXX XXXX has tanked my credit and refuses to close their account, they're always in the process of doing so.

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 2021-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
On XXXX XXXX 2021 I had a fraudulent charge on my debit card through Bank of America for an approximate amount of {$1400.00} which took place in Nevada. The company that took the money out of my account without my authorization/permission is called XXXX XXXX . I had contacted the bank numerous times and not a single person helped. I did file a dispute and they told me I made the charge and there was nothing they could do. I do not and have never traveled to Nevada as I live in Michigan. Bank of America has never shown proof nor documents stating that I purchased this ticket and will not refund me my money.

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 2021-12-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
CAPITAL ONE has refused to remove this charged-off account from my report. This account contains a finance charge which is the sum of all charges. This account was paid in full when my credit card ( social security card ) was obtained by this company. Therefore, this account can not be consider late at any time. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Stallings Financial Group, Inc.
State: GA

Complaint narrative:
While checking my credit scores, I noticed a HUGE drop ( 44 points ), in my XXXX credit score report with a collection from XXXX XXXX for {$68.00} dollars saying the account was opened XX/XX/XXXX, but no further details were available. I noticed this around the middle of XXXX, after my credit chart showed XX/XX/XXXX, was when my score dropped. I had absolutely NO clue what this was from or why it was showing on my credit score. I could NOT see any other information regarding this collection until three or four weeks later. I was then able to see it came from XXXX XXXX XXXX XXXX. I NEVER received any bills, invoices, phone calls, voicemails, emails, or paper mail in any format from XXXX XXXX or XXXX XXXX regarding this. I called XXXX XXXX XXXX XXXX on Wednesday XX/XX/XXXX, at XXXX XXXX. with the knowledge that they open at XXXX XXXX. I immediately got sent to voicemail and hung up. I called back right after, at XXXX XXXX. to once again be sent to voicemail. I left a detailed voicemail the second time inquiring about this collection/ bill and asked to have a call back. I still have not received a call from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Identity theft, someone made transactions from my chase card that wasnt me, and I had my account closed due to debt that shouldnt be on me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I C system and XXXX XXXX XXXX is a company i never did business with. Also they have the wrong address on file for me. I have sent latters and asked them to send me documents that we ever did any buiness and they failed to do so. 
These creditors did NOT provide the balance they say I owe with proof of payments up to the balance date, did not explain and show me how they calculated what they say I owe, provode me a verification of the copy of any judgement if applicable, identify the original crediotr, prove the staue of limitations has not expired on that account and provide me with their license numbers and registered agent or agent of service.

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 2021-12-11 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: NM

Complaint narrative:
In the previous letters I have requested the investigation of the elements that do not coincide and the elimination of them, taking into account the fair credit law, which states that I have the right to be informed of the status of my account and the report of the accounts must be 100 % accurates

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 2021-12-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MI

Complaint narrative:
I had a savings account at HSBC bank with a little over {$1000.00} in it. The company closed my account and took my money. Theyre saying my account now has a zero balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
My fiend asked me to deposit his cashiers check from XXXX bank into my account since he didnt have an account of his own. I mistakenly did so and gave him the funds in the amount of {$2100.00}. The next day I was notified by Wells Fargo that the check bounced as it was a fake check. Now the friend will not pay me back and nobody from XXXX will even talk to me about this as they refer me to XXXX and XXXX just refers me back to XXXX. I have had no success in reaching either institution. My friend is ignoring my calls, texts and messages asking for payment of the money he fraudulently had me deposit into my account which bounced and now I owe the bank {$2100.00} but XXXX cant afford that.

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 2021-12-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
I received a " XXXX '' prepaid debit account and card that I never applied for. I did have a fraudulent unemployment claim filed in my name that I reported earlier in the year. The card bank is American express national bank and it has a bank account and routing number associated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: MI

Complaint narrative:
Notice and Demand for Payment Notice to Agent is notice to principle. Notice to principle is notice to agent. This Notice and Demand for Payment is to recoup the exact value of the illegally collected debt in the amount of {$4900.00}, interest rate is set at 24.99 %, as of the date of this notice currently on the Social Security # XXXX personal credit reports. A Notice of XXXX will be placed against the property of the corporations and persons involved with the illegal collection of this debt. 30 days from receipt of this notice will be allowed for cure. Prior settlement offers are null and void. 

It is accepted that Creditor, by not validating the alleged debt, are the illegal collectors of this debt and that their assets and the assets of the employees, owners and partners of these corporations are severally, individually and personally liable for this amount in this Notice and Demand for Payment. Though validation of the debt was attempted through mail, no validation occurred and the debt is now being collected illegally. 

This injury and harm to the person will be offset in the exact amount illegally collected as compensatory damages. To get a Satisfaction of XXXX and dismissal of current and future court actions, simply mark the credit reports of the Client person as paid in full and on time. 

Revelation 9:11 ( KJV ) 11 And they had a king over them, which is the angel of the bottomless pit, whose name in the Hebrew tongue is Abaddon, but in the Greek tongue hath his name Apollyon.

Psalm 23:4 ( KJV ) 4 Yea, though I walk through the valley of the shadow of death, I will fear no evil : for thou art with me ; thy rod and thy staff they comfort me. 

By : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
I have sent several letters to medical data system I concerning debt that i alleged owe. They have dupicate accounts reporting on my credit repot thats not legal. I have asked them to proove these accounts and they still havent yet prooved anythig. I also still havent got updates yet within the last 120 days when it should have only been 30 days by law.

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 2021-12-11 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: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
I put in a dispute with this company to notify them that they did not comply with federal law and I also notified them that I would be submitting a complaint to the CFPB, FTC, and attorney general in their state to my understanding this company had 15 day to respond to my CFPB complaint and this company has still failed to respond. This matter is not fair and It is causing me to be denied credit. Portfolio Recovery is liable for any actual damages under 15 U.S. Code 1692k - Civil liability ( a ) Amount of damagesExcept as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or ( B ) in the case of a class action, ( i ) such amount for each named plaintiff as could be recovered under subparagraph ( A ), and ( ii ) such amount as the court may allow for all other class members, without regard to a minimum individual recovery, not to exceed the lesser of {$500000.00} or 1 per centum of the net worth of the debt collector ; and ( 3 ) in the case of any successful action to enforce the foregoing liability, the costs of the action, together with a reasonable attorneys fee as determined by the court. On a finding by the court that an action under this section was brought in bad faith and for the purpose of harassment, the court may award to the defendant attorneys fees reasonable in relation to the work expended and costs.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-11 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: AES/PHEAA
State: GA

Complaint narrative:
On XX/XX/2021 I send a letter regarding inaccurate and unknown accounts reporting on my credit report. I requested Debt Validation under the FDCPA and as of XX/XX/2021, I have not heard back or received any kind of response yet. I feel like I'm being ignored and my request for debt validation is not being taken seriously. 15 usc 1692g ( b ) says that the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or ... name and address of the original creditor, is mailed to the consumer by the debt collector. I am a consumer and I requested a debt validation, it has been over 51 days. Therefore, I demand that these accounts be immediately deleted from my credit report or I will have to file for litigation due to the XXXX and negative effects of this item being on my credit reports. This company is has refused to honor my request for debt validation. Therefore this account shall be deleted. My information was impacted by the XXXX data breach and I have been a victim of Identity theft. XXXX, XXXX and XXXX are aware of this. I disputed this item with all three reporting agencies and in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, they did not provide actual proof the information was verified, they sent a computer-generated response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-11 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: PA

Complaint narrative:
I, XXXX XXXX did not consent to, authorize nor benefit from any of the following inquiries and accounts. Block and remove them. There was no consent, nor did anyone give permissible purpose for the accounts and inquiries listed below pursuant to XXXX5 USC 1681b ( a ) ( 2 ). The following accounts and inquiries were placed on my credit report unlawfully and without my consent Consumer reporting agencies have grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ), Fair Credit Reporting Act. 

INQUIRIES 1. XXXX XXXX XXXX 2. XXXX XXXX- XXXX 3. XXXX XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX- XXXX 6. XXXX XXXX XXXX XXXX 7. XXXX XXXX XXXX XXXX 8XXXX XXXX XXXX XXXX XXXX 9. XXXX XXXX XXXX- XXXX 10. XXXX XXXX XXXX XXXX 11. XXXX XXXX XXXXXXXX XXXX 12. XXXX XXXX XXXX- XXXX 13. XXXX XXXX XXXX XXXX 14. XXXX XXXX XXXX XXXX 15. XXXX XXXX XXXX 16. XXXX XXXX 17. XXXX XXXX 18. XXXX XXXX 19. XXXX XXXX XXXX XXXX XXXX 20. XXXX XXXX XXXX 21. XXXX XXXX 22. XXXX XXXX 23. XXXX XXXX 24. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I sent letters to all 3 credit bureaus including creditors about inquries that is on my credit report that I never applied for and I need them immediately removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I sent letters to all 3 credit bureaus including creditors about inquries that is on my credit report that I never applied for and I need them immediately removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc.
State: CA

Complaint narrative:
got a loan from American First Financial to buy new tires at a tire dealer. I have no credit cards and am going through bankruptcy. The interest rate was not disclosed to me, I e-signed the docs and later got the statement of XXXX,19 % APR. I was shocked. Is this illegal in CA?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc.

Complaint narrative:
On XX/XX/2021 I made a transfer from my Coinbase account to my XXXX account of XXXX. XXXX the next day confirmed the transfer but would return it to Coinbase for reasons of alteration of XXXX XXXX. They sent me proof of return but Coinbase never credited me with the money again and also does not give answers to the emails I send for customer service. It's been 3 weeks and I don't have resolution of the problem and Coinbase doesn't respond. 
Case # XXXX On my Coinbase account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Consumer Portfolio Services, Inc.
State: MA

Complaint narrative:
Consumer Portfolio Services IncXXXX XXXX XXXX XXXX XXXX CA XXXX They are only accepting one method of payment from me. I just received this car back after they repossessed it at the end of XXXX. I finally got it back after fighting for a VALID method to pay them in order to get the car back only to be told after receiving the car back that I'm past due for XXXX. I JUST received a bill in the mail that says it was due XXXX XXXX ON XX/XX/XXXX. Their website and automated phone system will only accept a payment method of a debit card. The other options consistently do not work. 

And as for the balance. I've had this loan for OVER A YEAR and somehow I've accumulated a balance and have only paid {$200.00} towards the principle or so the payment history explains YET MY BALANCE TODAY IS HIGHER THAN WHEN I PURCHASED THE VEHICLE OVER A YEAR AGO. 

THIS HAS TO BE A SCAM. I NEED TO MAKE A PAYMENT BUT THEY ARE MAKING IT EXTREMELY DIFFICULT. THEYVE ALREADY BEEN TOLD TO STOP CALLING MULTIPLE TIMES A DAY, NEARLY EVERY DAY OF THE WEEK BEFORE THEY REPOSSESSED THE CAR AND NOW THEY ARE MAKING IT DIFFICULT FOR ME TO PAY THEM AT ALL AND I AM NOW PAST DUE AGAIN 2 MONTHS. 

THIS COMPANY IS BY FAR UNFAIR TO THE CONSUMER AND IS MAKING THIS A WHOLE EXPERIENCE A LIVING XXXX.

Company response to consumer: Closed with explanation