vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
Since so to late XXXX ( XX/XX/XXXX ), I have been having issues making payment. Twice now and Ive spoken to someone 2-3 times since XX/XX/XXXX and yet to receive a call back from XXXX My account info has not been updated and told the two times I fixed prior to them saying theyd do it and call back, my account can not be found. 

High usage is being reported and I tried to payoff over a month ago. 

I got this card to build my credit, not take it down.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
The balance on the credit card was paid in full. I did not use this card for any transactions after the balance was paid in full. I only use credit cards for emergencies and then try not to carry a balance. My credit history and XXXX score was in the XXXX range when I first started dealing with USAA and had a excellent payment history prior to any financial dealings I had with them. Since my mortgage refinance in XX/XX/2015, that they processed under illegal contracts contracts, my credit history and scores as well as my financial life has been a logistical nightmare to clean up. 
Below you will see the proof that this card balance was paid off. 
USAA has caused harm and character defimation to my credit history and score by falsifying any transactions occurring after this payment shown on this bank statement. 
Such malicious acts were done to keep me from moving forward financially and to cover up their illegal and fraudulent mortgage service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have fraudulent inquiries on my credit report. The inquiries are as followed XXXX date of inquiry XX/XX/XXXX, XXXX XXXX date of inquiry XX/XX/XXXX, XXXX XXXX date of inquiry XX/XX/XXXX and XXXX XXXX XXXX XX/XX/XXXX. I have contacted all these creditors with no response to the fraudulent activity. TransUnion replies back quickly with no change in status. I have called TransUnion to dispute fraud but no response.

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 2021-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Repeated, daily calls with no voicemail left or explanation for why contact is being made. I initiated contact directly to their customer service department, providing my phone number and asking why they were contacting me. Across multiple emails, the company refused to explain why they were calling and attempted to collect personally identifying information. They sent an email claiming they had removed my number from their system and apologizing for the inconvenience. Since that email claiming they would cease contacting me, I have received subsquent calls once every XXXX days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Earlier in XXXX of this year, I logged into my Citibank account and discovered unauthorized transactions for more than {$17000.00} on a credit card that I never use. 
No security alerts were ever triggered by Citibank. 

I immediately contacted their fraud department and because the number of individual transactions was over XXXX and I don't use this card I simply told the XXXX that I am disputing all charges. 
The person in charge of the investigation was XXXX XXXX. 

Almost 2 months have passed and all but XXXX transactions have been refunded. 
The outstanding transactions are XXXX balance transfers to an unknown bank account on XX/XX/21 in the amount of {$5000.00} as well as on XX/XX/21 in the amount of {$4700.00} in addition to a balance transfer fee of {$290.00} charged by Citibank on XX/XX/21. 

Because of this outstanding balance {$9900.00} still appearing on my account I have a payment due date of {$150.00} for tomorrow, XX/XX/XXXX. 

I called Citibank today and they claimed that I never disputed the balance transfers which is a lie. 
They also told me the name of their XXXX is XXXX XXXX which does not match the name I was given previously. 
The person I talked to also had no case number on file which must be a lie. 

I had a similar problem with this bank a couple years ago when someone stole my XXXX XXXX and made a few XXXX dollars worth of purchases. 
I had disputed all purchases and when I called back a month or so later the bank claimed that I never disputed the charges which was a lie. 

It appears that this is a common practice at this bank which is the reason for submitting this complaint. 

I hope you will be able to assist in getting these charges reversed.

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 2021-12-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am requesting that all companies that I don't have business with, provide a validation and a legitimate reason why they have access to my personal business information. If there is no claim against me or no account please remove the Fraudulent Inquiries off my Consumer Report. It is causing harm to my person, as well as stopping me from getting a Fair Credit reporting. I would like to ask for a validation from All credit bureaus immediately. It is my right as a consumer to challenge anything that I deem to be inaccurate.

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 2021-12-03 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: VA

Complaint narrative:
I am requesting that all companies that I don't have business with, provide a validation and a legitimate reason why they have access to my personal business information. If there is no claim against me or no account please remove the Fraudulent Inquiries off my Consumer Report. It is causing harm to my person, as well as stopping me from getting a Fair Credit reporting. I would like to ask for a validation from All credit bureaus immediately. It is my right as a consumer to challenge anything that I deem to be inaccurate.

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 2021-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: M&T BANK CORPORATION
State: NJ

Complaint narrative:
A debit was card was opened and sent to me. I did not open this account. spoke with the issuing bank, advised them. stated account was opened on XX/XX/21 and i had it closed today, XX/XX/21. M & T bank was the issuing bank.

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 2021-12-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
IN XXXX I PAID MY CAR NOTE AND SET UP A PAYMENT PLAN. IN XXXX I COMPLETED THE PLAN, MY ACCOUNT WAS NEVER CREATED FOR PAYMENT. I HAVE SINCE PAID THE NOTE ON TIME EACH MONTH, SPOKE W/ A REP IN THE CORPORATE DEPT AND WAS TOLD THEY INDEED HAD NOT APPLIED MY PAYMENT. I WAS PROMISED IT WOULD BE FIXED, AS OF YET IN XXXX MY ACCOUNT IS STILL NOT UPDATED AND AFTER REQUESTING A CREDIT REPORT I SEE MY CREDIT IS BEING IMPACTED BY THIS.

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 2021-12-03 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX 2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 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: PA

Complaint narrative:
i have written experain as well as XXXX XXXX XXXX XXXX various times challenging the accurate, compliant, and factual reporting of an account that is showing on my credit report. each time it comes back verified as accurate ... .what type of investigation are these companies doing when there are so many violations and inconsistencies in the reporting... first off please see the attached... it shows experians reporting of this account ... .they never marked it as being in dispute, this is showing as a charged off account with a balance of {$960.00} then when you look at the circled comments it states this account has been sold to a collection agency... how is this account reporting a balance, and a 12 month term if it was sold? these are major violations ... .the other XXXX bureaus have deleted this and i expect experian to delete this from my account for violating the 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 2021-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Ive already filed a complaint with this company to which Bank of America did give me a call left me a voicemail on XXXX XXXX of this year Ive called back almost a dozen times and left a dozen voicemails to which they have never called me back originally my whole reason for filing was because {$300.00} that was transferred to me was stated to have never been claimed or went through with the bank and was never put into my account to which Bank of America says that they can not help me with and they denied my claim for reimbursement they sent me a text stating that I received my wire transfer but when I went to call them and speak to them about it they said they had no idea how I was able to get a text and they couldnt explain it themselves I still havent been able to talk to anybody no ones called me back at all

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 2021-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
My identity was stolen early this year through a breach at my mortgage company XXXX. On XX/XX/XXXX a checking account was opened, in Florida, at the Bank of America ( BOA ) that included my name and identity, with a co-signer ( XXXX XXXX ) who then began to transfer money from my legitimate BOA account to the fraudulent one. I was told he brought an imposter, posing as me, to open the account. At no time did BOA alert me ( my accounts are double-protected by password and requiring a phone text confirmation of any activity ) until they sent a thank-you, that I was opening a new account. I contacted Fraud Department immediately and after numerous transfers, shut down my accounts, cards and eventually, the fraudulent account. Initially the thieves tried to move {$38000.00}, ultimately walking with {$9500.00}. Since then, I have logged many, many hours on the phone with dozens of BOA Fraud department staff who pass me on and around. I have had XXXX appointments to the local BOA. The first claim was rejected as they sent to the wrong department. I then submitted a long list of documents ( faxed by my local BOA to ensure their receipt ) for the second claim. I was just told that there is no claim. This was entirely BOA 's fault but no one has made any effort to manage this case, get back to me, clarify how this happened or attempt to return my funds. I need representation as Bank of America clearly does not protect or serve bank clients.

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 2021-12-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX 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 non-monetary relief
Consumer complaint received 2021-12-03 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: MT

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. 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 Equifax XXXX is 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 Equifax Credit Bureau but they failed to give me any results or feedbacks about this concern. Finally, there is no name associated with these files & need to be deleted due to inaccurate info. Please investigate and remove these from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 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: CA

Complaint narrative:
Continue to experience incorrect information that is being reported on my credit report by Experian. This has been an ongoing issue for years. I submitted my credit report and have disputed the results ; as it shows ( XXXX ) account closed of which the company went out of business. However, I still had a balance which is paid faithfully every month. Experian has the account in a " Negative '' Account Activity status. I have also attached the Credit Report from Experian. I would like Experian to update the status to a Positive Account Activity. # XXXX Experian also has on my Credit Report five ( 5 ) Student Loans from ( XXXX  ) there is only XXXX main account # XXXX ; although, they show all XXXX on the report as " Open '' and they should be closed and removed as the school ( XXXX ) that I was attending closed due a loss of accreditation. Prior to the school closing I had applied for numerous loan forgiveness ; only to be charged higher interest rates and fees. I also completed and submitted the government school closure application, and ( XXXX  ) responded and the representatives also confirmed that I qualified for the student loan discharge. I have also filed a Consumer Complaint Against ( XXXX  ) with the Attorney General Office with the Department of Justice for their un-law practices and harassment. I would receive 7 to 10 calls daily, and the calls never stopped during the onset of the COVID Pandemic, they just increased. I would like to have Experian remove ( XXXXXXXX ) as negative and from the report. email : XXXX  Experian reports XXXX on my credit report and this account should be removed as this account was transferred to another lender XXXX. XXXX was sued by the former Attorney General XXXX XXXX for their unethical mortgage financing practices for fraudulent foreclosures and fees. I have filed a XXXX XXXX XXXX XXXX XXXX XXXX with the Attorney General XXXX Department of Justice to investigate XXXX and Experian as they have the ( XXXX ) XXXX Mortgage XXXX which is the new lender in a Negative Account Activity and the payments are current. See attachment Experian Credit Report. 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 2021-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I do not know about or recognize this debt - I believe it to be false. My auto insurance is with XXXX and has been for quite some time. I would like CCS-USA to Cease and Desist all collection activity.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Today XX/XX/2021. I called the number listed in the online account information for two reasons. A {$7.00} late charge issued in XX/XX/2021. And a {$39.00} membership fee charged in XX/XX/2021. In both of these cases I received no resolution. In the case of the XXXX fee, i was told the date of the late fee prevents Capital One from reversal. I have several credit cards and have never been refused the Customer Service of a Late Fee reversal. That is because I pay my bills on time, and it is a customer service, understanding that things happen, and sometimes you may miss a deadline. So I do not understand the service failure in this instance. Especially considering we are still in a pandemic. The Membership Fee has been an issue since I received approval of this account. From the beginning there was a misunderstanding on this account, I applied for two cards with Capital One. Neither was supposed to have a Membership Fee, and every year since, I have had to call in to have this fee reversed. This is the first year in the history of this credit card that my request ( the misunderstanding ) has not been accommodated. What is different from this year compared to all the other years? I am asking Capital One to look into the history of my account, and confirm that it has been accommodated, and then explain why in the middle of a Pandemic this request has been denied. Once that research has been completed please reverse both the late fee and the Annual Membership Fee I changed my profile to pay using the Auto-payment system. But this is why consumers don't trust auto-pay and paperless billing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-03 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: NY

Complaint narrative:
I am very upset with this issue. I sent a letter to the Creditors and Collections agency regarding inaccurate accounts on my report. It is now XXXX  days and I have not received a repsonse. I did my research and I am for sure that they have XXXX  days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with non-monetary relief