vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I've been trying to tell BoA that their online App is malfunctioning but every time I speak to them they are rude to me and won't help me. After I try to resolve the issues they just end up hanging up on me. The main issue is that no one is able to understand the problem and they keep transferring me around. The Credit Card department is the most unreasonable and rude people where if it's NOT a simple resolution they just disconnect the call. Unprofessional and very Frustrating to consumers. The problem is that when I selected 1 time frequency as my payment type but it keeps going every month. I never made it a " Reoccurring '' payment but it automatically does it on its own. This is a big problem and has cost me fees. I try to get help from them but they get frustrated with me and then just disconnect the call. This has been going on since XXXX XXXX of this year. I don't know what to do anymore but to contact this agency.

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 2021-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
.On XX/XX/2021 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. I feel like im 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 promtly. I demand these accounts be deleted immediately or i will file for iltigation 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 2021-07-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I am XXXX and will be XXXX XX/XX/XXXX. I have been paying this bill since XXXX and believed the bill would be paid in full in XX/XX/XXXX since I made extra payments since XXXX. I really believe they have over charged me and that I should not have a balance due of {$17000.00}. I requested a payment history from them which shows the payments started in XX/XX/XXXX. My first payment was in XXXX, so 3 years of payments have not been applied and they have some kind of payment variance which they have not explained to me yet. Please look into this matter. After research they have numerous complaints similar to my situation. Please help me.

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 2021-07-26 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: MS

Complaint narrative:
XXXX  and XXXX  have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: NY

Complaint narrative:
Sending correspondence requesting deletion of unverified accounts and not receiving a response from them. They can not validate and verify so it needs to be deleted.

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 2021-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: PA

Complaint narrative:
I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

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 2021-07-26 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:
I have made several attempts with XXXX XXXX, and Transunion to have Identity theft accounts that are on my credit report fraudulently. i have filed a police report i have contacted creditors in order to get this rectified with no action.

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 2021-07-26 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:
I have made several attempts with XXXX, Equifax, and XXXX  to have Identity theft accounts that are on my credit report fraudulently. i have filed a police report i have contacted creditors in order to get this rectified with no action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: CITIBANK, N.A.
State: KS

Complaint narrative:
My Shop Your Way Card was charged over {$200.00} that was a fraud. It was charged to XXXX which we have for tv, internet and home phone. I called XXXX  and they had no such charges as they go directly to our bank for the service we have from them. Shop Your Way will not check which XXXX ; they said they never call third parties. This has been going on for six months. First date was XXXX XXXX, for {$100.00} and second charge of {$170.00}. I have called Shop Your Way numerous times and have written to them and sent my XXXX bill, so they cans how XXXX goes to our bank directly ( no credit card is used ).

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 2021-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On or about XX/XX/XXXX I applied for a mortgage only to be denied because my credit card issuer XXXX XXXX reported inaccurate information to my credit file as being over 30 days late when in fact it was never 30 days late. I contacted XXXX XXXX on XX/XX/XXXX and upon speaking with a representative she advised the account was not in fact 30 days late and NEVER been 30 days late. She immediately opened an internal investigation with the credit department as well as with the credit bureau case # XXXX. The representative advised to follow up on XX/XX/XXXX for an account status or a representative will contact us. To date we have not heard anything from XXXX XXXX. Now while I do understand things can get mistakenly inputted this was a significant hit on my credit file because of inaccurate information being reported. Further, pursuant to the Fair Credit Reporting Act only accurate information should be reported to my credit file and I promptly request this matter be investigated and removed.

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 2021-07-26 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: IL

Complaint narrative:
I submitted an affidavit of truth and facts to Experian. An unrebutted affidavit stands as truth and a claim can be satisfied ( only ) through rebuttal by counter affidavit point by point. I've sent this Affidavit of truth and facts so the CFPB can authenticate sworn testimony from my end.

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 2021-07-26 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: NY

Complaint narrative:
Sending correspondence requesting deletion of unverified accounts and not receiving a response from them. They can not validate and verify so it needs to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: TX

Complaint narrative:
fcra violations please see attachments : not mine XXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX {$0.00} Closed 26 potentially negative months Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Balance on XX/XX/XXXX Loan Amount {$0.00} {$8100.00} Payment Info Status Charge-off Status date XX/XX/XXXX Past due amount {$0.00} Original loan amount {$8100.00} Monthly payment {$0.00} Late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX View more XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX CO CO CO CO CO CO CO CO - - - - XXXX 60 60 90 CO CO CO CO CO CO CO CO CO XXXX - - - - - 30 30 60 30 60 90

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I have had an XXXX XXXX XXXX XXXX credit card for many years. I hadnt used the card for quite some time and for that reason, I hadnt received any statements from them. In XX/XX/XXXX, I received a Pre-Legal Notification from Midland Credit Management stating that I had a balance due of {$13000.00} on a XXXX  XXXX XXXX XXXX XXXX credit card and that I should contact them. I spoke with XXXX XXXX on XXXX. She told me the last time the card was used was XXXX. I told her that they werent my charges. She said she would send that info to their Fraud Department. I received a new notice from Midland in XXXX. I called and spoke with XXXX XXXX on XXXX. He told me the account had been delinquent since XXXX and was placed for collection with them on XXXX. He also told me, that for some time, the address on the account was listed at XXXX XXXX XXXXXXXX XXXX XXXX, New York. I have never lived at that address, and I have never lived in New York. He said he would report this information and I would hear something within 90 days. I received a notice from Midland in XX/XX/XXXX requesting the details of my complaint. I reiterated everything above. Again, in XX/XX/XXXX, Midland sent another notice saying they were uncertain of what I was disputing. I wrote back, stating that I was disputing the charges of {$13000.00}, as I did not incur those charges, nor did I change the address on my account to New York, and that I want to report this as fraud. I just received another notice from Midland stating that I need to provide them with a fraud affidavit, which is why I am now writing to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The apartment community advertised a unit for move in during mid XXXX for a specified price. After applying for the unit i was told that the price advertised was incorrect and i could move in for an additional month after. I would not have applied if i had known the unit was not currently available as stated. This resulted in being charged an application fee and a hard inquiry on my report from XXXX XXXX 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 2021-07-26 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
For the past weeks I am unable to access my Equifax account, each time I try to sign in a message is asking me to call ( XXXX ) XXXX. Today and after 15 minutes of replying to questions by typing answers on my phone, I managed to " speak '' to a customer representative ( poor language skills ). Another 15 minutes of trying to reset or receive an email from them ( that never arrived ) so I asked to review the issue with their specialists and inform me when is ready. 
Another hour after I receive an email with a link to reset that password, action resulting in again a total failure giving me the same error as before - " Call the number ''! 

Please put some order into these businesses, they are the ones running our lives and the only thing they do is giving wrong information or NONE! 

thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
On XX/XX/2021 I disputed information on my credit report. 
Barclays bank refused to respond within the 30 days provided under FCRA 15 USC Sections 1681i. I received information from XXXX  that the account will be removed ( please see attached ) and as of today the information is still reflecting on all credit bureaus. I need this to be updated accordingly per FCRA guidelines.

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 2021-07-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX we were in our account checking what had cleared as we do most every day. We saw a pending wire transfer in the amount of {$47000.00}. We never enrolled in wire transfer and don't know the people. I immediately went to our branch and found out that someone had gone into our profile and changed the contact info which is why we had no prior notice. My personal banker told me she would check on this for me. I followed up with her and was told that i needed to come into the branch and fill out an affidavit that would be notarized by the bank. I did this an she uploaded this through there internal portal. I have been following up every few day and now, almost 3 weeks later the bank says they need more time. I believe that making a small business wait this long to get the money returned to the account is unreasonable and is an extreme hardship. I don't know what more i can do?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, XXXX, and XXXX  aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I decided to look at my credit reports from the 3 major credit bureaus and found that this MIDLAND FUND was reporting to be negative on XXXX and XXXX. I have disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
This begin XXXX of XXXX American express serve is telling me that XXXX XXXX has several different email accounts and accounts in my name and there were two other cards that was associated with my actual bank Account that the federal government was depositing all my funds into and that my account email and account had been compressed, and that's where my funds have went. Well mind u I am still fighting to get all of my funds with several different deposit into my account and yet I have still got a XXXX balance mind u I have or only should of had one card and one account. That the government made deposit into my Account like XXXX in USD also a XXXX USD a XXXX USD also a XXXX deposit and mind u I haven't received any of my funds not too mention another XXXXusd on XXXX of XXXX and I would keep going I am struggling with nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: PA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  and XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2021-07-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: Westlake Services, LLC
State: DC

Complaint narrative:
There is a serious mistake regarding my agreement with XXXX XXXX XXXX and the manager XXXX XXXX. I agreed to the vehicle sales price of {$9700.00} listed on their website on XX/XX/2021. NOT XXXX. That is {$2100.00} I need to be taken off my loan amount and vehicle sales price. I have filed official complaints with the XXXX XXXX XXXX, as well as the Federal Trade Commission. 

Also, the odometer was XXXX miles more than originally listed off of their website. The present mileage is 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 2021-07-26 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: Nelnet, Inc.
State: MS

Complaint narrative:
There is different payment history information being posted on all three credit bureaus.

Company response to consumer: Closed with explanation