vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-31 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: MI

Complaint narrative:
it has been over 45 days since i have sent equifax a copy of my ftc report. my information was stolen and was used to try to obtain goods, and credit in my name. though these attempts were unsuccessful, my credit report is now filled with tons of fraudulent inquires from the attempted fraud. i was instructed by my local police department to file an federal identity theft report, and submit it to the credit bureaus which i did, XX/XX/2020 certified mail by the us postal service. to this day i have yet to received anything from equifax regarding these fraudulent inquires. i will attach a copy of my identity theft report, along with my drivers license, and social security card, for identity verification

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31 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: GA

Complaint narrative:
I submitted a complaint through a letter way back on XX/XX/XXXX about inquiries that I did not authorize that are showing on my credit report I made it respectful request into the investigation and I have not heard anything back it has been over 30 days. I also followed up with a 30-day demand letter tracking number XXXX XXXX XXXX XXXX XXXX XXXX and I still haven't heard anything has been verified deliver by the tracking number on the letter attached to this complaint.

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 2020-10-31 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc
State: MT

Complaint narrative:
Hello, Yesterday I sent XXXX XXXX to a friend in XXXX. 
I checked my bank account and saw that paypal had debited the amount twice not once. 
I have tried and tried to call and message paypal and can not get anyone on the line or to help me fix this issue. 
I have phone my bank and they are working on it from the banks end. 
I was also charged XXXX for going over into my overdraft and want this credited to me. 
I can not get paypal either on line or on the phone to fix it. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31 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: MD

Complaint narrative:
Experian is reporting 2 XXXX accounts. Accounts already proven inaccurate and removed from other bureaus and involved in litigation due to noncompliance. 

No information has been given to me. XXXX has not contacted. I do not owe this account. It's been over 180 days and no information given nor sign of investigation

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 2020-10-31 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: NATIONWIDE ACCEPTANCE LLC
State: AZ

Complaint narrative:
In XXXX, I filed chapter XXXX Bankruptcy protection. In XX/XX/XXXX, I requested my plan to be dismissed. 

Roughly 5 months later I received notice for the first time from Nationwide that there was a balance due on the loan previously protected in the Chapter XXXX filing. 

Further the loan was " crammed down '' as part of my Bankruptcy XXXX filing. Nationwide reversed this " cram down '' after my Bankruptcy dismissed. 

Once I was notified that I owed on this vehicle I immediately settled the balance for less than what was owed but legally in full. 

After doing so, Nationwide has consistently reported erroneous information on my credit reports. 

Currently, on my XXXX  report they are reporting that my vehicle was " Charged Off '' 6+ times ; in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. 

This account was settled and legally paid in full in XX/XX/XXXX. 

I was not given an reasonable opportunity to pay/settle the debt after my bankruptcy was dismissed so as to avoid a negative reporting by Nationwide on my credit report. I became aware of the debt in XXXX of XXXX and immediately settled it once I became aware that it was due. 

For the past two years I have gone back and forth with Nationwide disputing and asking them to correct the unfair and inaccurate reporting of information on my credit report to no avail. They make one update and then add others that negatively impact my credit.

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 2020-10-31 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: AZ

Complaint narrative:
In XXXX, I filed chapter XXXX Bankruptcy protection. In XX/XX/XXXX, I requested my plan to be dismissed. 

Roughly 5 months later I received notice for the first time from XXXX that there was a balance due on the loan previously protected in the Chapter XXXX filing. 

Further the loan was " crammed down '' as part of my Bankruptcy XXXX filing. XXXX reversed this " cram down '' after my Bankruptcy dismissed. 

Once I was notified that I owed on this vehicle I immediately settled the balance for less than what was owed but legally in full. 

After doing so, XXXX has consistently reported erroneous information on my credit reports. 

Currently, on my Experian report they are reporting that my vehicle was " Charged Off '' 6+ times ; in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. 

This account was settled and legally paid in full in XX/XX/XXXX. 

I was not given an reasonable opportunity to pay/settle the debt after my bankruptcy was dismissed so as to avoid a negative reporting by XXXX on my credit report. I became aware of the debt in XXXX of XXXX and immediately settled it once I became aware that it was due. 

For the past two years I have gone back and forth with XXXX disputing and asking them to correct the unfair and inaccurate reporting of information on my credit report to no avail. They make one update and then add others that negatively impact my credit.

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 2020-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I got scammed by someone who sent me a check to purchase an item I listed on XXXX. They asked me to pay forward part of that amount to another party as moving charges ( shipper ). I deposited the check in my bank of america checking account and they credited the amount. Based on that I made a XXXX  payment of {$960.00} to the so called shipper. Six hours later the check bounced. It was a fake check as I found out later. When I asked bank of america why the amount was credited, they said it is a normal practice to do so in good faith for their good customers. I was shocked because I had made the forward payment based on the assurance that the credit was done. Later that amount was debited from my account along with a fee for failed check. Bank of America takes no responsibility for this practice which they admitted they are aware that scamsters misuse. They know of this fraud..it is very common yet they are not changing this practice.

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 2020-10-31 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: Experian Information Solutions Inc.
State: NE

Complaint narrative:
I had a credit inquiry to Experian from the Small Business Administration and I did not initiate the inquiry nor am I applying for any loan or services with the SBA. The report was initiated on XX/XX/, 2020.

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 2020-10-31 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: GA

Complaint narrative:
I submitted a complaint through a letter way back on XX/XX/XXXX about inquiries that I did not authorize that are showing on my credit report I made it respectful request into the investigation and I have not heard anything back it has been over 30 days. I also followed up with a 30-day demand letter tracking number XXXXXXXX XXXX XXXX  XXXX XXXX XXXX and I still haven't heard anything has been verified deliver by the tracking number on the letter attached to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Two fraudulent charges appeared on my visa debit edd card. I have not been given a reasonable opportunity to address the charges and have them resolved. I can document the 5+ hours I spent on hold today spread over 3 call attempts. 

I called and spoke with customer service at Bank of Americas CA EDD division at XXXX. At XXXX I was transferred to a claims department agent. I can document the length of my unsuccessful calls to report fraudulent charges. 

When I was eventually connected to the claims department eventually the operator asked me to hold after asking a few account ownership questions. Moments passed with no speaking ... I asked if she was still helping me and the call suddenly dropped at exactly XXXX PST. 

It is impossibly difficult to get through and once getting an agent on the phone it seems that a game is played.

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 2020-10-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: LA

Complaint narrative:
Company : NCA / Acct # XXXX Date : XXXX Amount {$400.00} I try contact this company for months and no, responds they will not validate this account is mine. They need to delete and remove this account there in violation due to the fair credit act this is not my account I notified the credit bureau several times and they do nothing this account was removed off my XXXX  but, still reminds on my XXXX XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31 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: PA

Complaint narrative:
Experian got 5 letters for 2 coections that are totally wrong. I send first letter stating company " XXXX XXXX XXXX XXXX. '' was blackmailing me. I sent them info showing it was paid and veteran administration pays all medical bills no matter what is the problem. 

2. I sent legal papers stating under FAIR CREDIT REPORTING AGRNCY SECTIPN XXXX AND XXXX ( XXXX XXXX AND WHAT BILLS WERE EXACTLY FOR SECTION ) THAT THEY TO HAVE TO PRODUCE THIS TO STAY PN CREDIT REPORT. I DIDNT GET BACK ANYTHING IN MAIL AND AFTER DAY OF DOUNG ONLINE YOU COULD TELL ITWAS FROM CUSTOMER SEVICE IN DIFFERENT COUNTRIES. THESE HAVE BEEN PSID TO ORIGANAL MEDICAL FACIKITY AND 3RD RATE BILL COLLECTER IS JUST SCAM ARTIST. AFTER 49 YEARS THEY ONLY HAVE 2 COLLECTIONSVON ME FOR KUTTLE AMOUNTS? YESH RIGHT. AFTER 30 DAYS THESE NEED TO COME OFF EXPERAN CREDIT REPORT AND NEVER COME BACK ON. FIRST THERE HAVE BERN DOUBLES IN ALKVTHE BILLS THISC " ACSE '' SENT THEM. THEY NEVER SENT ME ANYTHING AND HANG UP WHEN I CALL. THETY WANT CASH FOR BILLS ALL READY PAID. BIT EXPERIAN IS WRONG AND HAD YEARS TO TAKE OFF. I WILL GO CIVIL BURT THEY KNOW RHEY HAVENT DOBE JOB ANSD THEY CAN TAKE OFF BECAUSE RHUS WAS DURING MILITARY duty.

Experan needs to take off 2 colkections because they didnt send back fair credit reporting agencies XXXX XXXX XXXX  or XXXX  Especially XXXX  and XXXX  that i gavevthem 5 timed to send back. They dont have information to keep this on credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX pa 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 2020-10-31 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: CITIBANK, N.A.
State: FL

Complaint narrative:
Starting in XX/XX/2020 I'm tried to resolve this issue with Macy 's card and Macy 's XXXX card too. I told Macy that I have always been consistent with making my payments on time and I notice inaccurate charges between the two accounts. I received a letter dated XX/XX/2020 which I will upload which proves what I told them. The letter states " We completed our investigation regarding your claim of unauthorized use on the above referenced account. Based on our review, we have determined that you are responsible for the charges in question. On XX/XX/2020 I received another letter from Macy 's which stated " We have been unable to reach you by phone '' which is a Total LIE because I've never received a call at all. Then to make things worst Macy 's states " we discovered that your account has suspicious activity '' thing same thing I told them back in XX/XX/2020. I also received a letter dated XX/XX/2020 that stated " We are writing to inform you that we completed our investigation on your Macy 's XXXX XXXX Card account and as a result we removed the disputed charges and the fees. Since XXXX supposedly could not contact me and has admitted " suspicious activity '' as I first informed them from the beginning - XXXX has still refused to removed these accounts from my credit file. I remove immediately before I file a law suit.

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 2020-10-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I requested escrow be removed since the loan to value is less than 80 %. 
I received a letter from Bank of America stating the reason it was denied. 

I then called and spoke to a manager in escrow named XXXX. He then provided a different reason that was Not written on the letter. 

There is something wrong in that Escrow Department. They send in writing a letter saying one thing ( which is incorrect ) and then when it was pointed out their calculation was wrong, XXXX provided a different reason.

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 2020-10-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
This is a follow up to XXXX. CItibank closed my checking and savings account and offered me no reason for their actions. I opened a checking and savings account at Citibank on XX/XX/2020. Currently there is a combined balance of approx. {$9500.00}, mostly funded by direct wires from my XXXX XXXX. 


Not only was a left with no money for bills. When the set me a refund the check for my savings account it was for {$2000.00}. The balance, or amount the stole from me for that account was {$8000.00}. Hence, I am missing {$6000.00}. They refuse to give me a reason for the egregious error or will not tell when, or if my funds will be returned. 

They also stole the balance from my checking account. {$1500.00}.

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 2020-10-31 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7800.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXXXXXX XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7800.00} -This is not my account. 


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

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my 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 2020-10-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
i received a letter in the mail today XX/XX/XXXX for a denial of a recent credit card application made on XX/XX/XXXX at forever21 that i did not do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: IN

Complaint narrative:
I do not owe any debt to my prior landlord ( The XXXX XXXX XXXX XXXX  in XXXX, IN/XXXX  XXXX XXXX XXXX XXXX XXXX. I paid my rent in full and on time and provided notice of my intent to vacate the property per the terms of my lease at the end of my lease term. I did not cause any damage to this apartment. 

In this instance, my prior landlord is engaging in extortion, using intimidation and threats to compel me to pay money that I do not owe. I was referred to a collection agency ( IQ Data International ) and this debt has damaged my credit score. This debt has been pursued for several years even as I have filed disputes. I have attempted to communicate with IQ Data International. My mail was returned because IQ Data International moved and left no forwarding address. I sent my communications to the address IQ Data International provided the credit bureaus and includes on their correspondence to me. IQ Data International is being intentionally evasive. 

The XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and IQ Data International has not provided any proof or documentation of damages ( including requested photographs, repair costs and invoices for repair services or materials ). I filed a complaint with the Indiana Attorney General, XXXX XXXX XXXX and various other consumer affairs agencies when this debt was initially pursued in 2015. Further pursuit of this debt violates the Fair Credit Reporting Act as this debt is inaccurate and unverifiable. Pursuit of this debt constitutes fraud and harassment by my former landlord. 

I am not attempting to purchase a home and this item is increasing the interest rate on my mortgage. Please note, I am an attorney. Your assistance is much appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-31 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have spent 3 months contacting creditors and credit agencies for late payments that I made and have confirmations and bank statements for. I had several corrected with XXXX and I uploaded the creditors removal fir XXXX  and experian still has the accounts Ive worked so hard to correct as late or not updated! I dont know what else to do.

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