vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-08 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
i tried to withdraw 2 transactions for XXXX and for XXXX and the ATM never dispensed any money and bank of america refuses to help me fix my issue

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 2021-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Jormandy, LLC
State: VA

Complaint narrative:
I was a part of a consumer credit transaction. Upon discovery I realized that I was Fraudulently damaged. 
Due to ( Title 15-1692A ( 3 ) ( COMMUNICATION-1692A ( 2 ) ( CREDITOR-1692A ( 4 ) Credit reporting is optional, there is no law in the US which says a transaction has to be reported to a consumer reporting agency. You will be civically liable if you do not reply because congress states credit reporting is optional.

Under title 15 USC 1681n civil liability for willful non compliance -Any person that willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in the amount equal to the sum of ( A ) Any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) In the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00} whichever is greater

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Cascade Capital, LLC
State: VA

Complaint narrative:
I received a summons that I will be in court from Cascade Capital LLC. I had bought a car in XXXX, was XXXX through the government and put on XXXX, and had to give the car back. Now it's XXXX I'm going through a divorce, I '' ve not heard anything about this, Cascade is not on my credit report, the XXXX loan says I owe nothing on my credit, and I am trying to work because Im help paying for a lawyer, and my husband sold my car, so I'm trying to get a car. I've had to quit two jobs already.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: BANCO POPULAR DE PUERTO RICO
State: FL

Complaint narrative:
On XX/XX/2021 we requested to close our Banco Popular Puerto Rico savings account. Was informed that it would take 5-10 days to receive the funds. Have made contact with them on a weekly basis and have been informed that we would be receiving the check shortly. To date, we have not received anything from them. I have documentation from the bank of when the request was done and information they requested from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: KY

Complaint narrative:
I applied for a credit union bank account, however, for some reason because of a Chexsystems report I was denied an account. Chexsystems has erroneous information on whatever report they have, which is causing me to not qualify for a bank account. Their report contains false and fraudulent information.

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 2021-09-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
I set up payments of {$290.00} per month with Comentity bank through XXXX XXXX. We set up a weekly payment plan, but my payment went from {$290.00} per month to {$400.00} per month when we set this up. I spoke to comentity and they were supposed to change this back to {$290.00} per month for my payment, divided out weekly, but I was stuck paying {$100.00} per week. I have tried to work with them to fix this and they haven't fixed it. I am now in arrears on this with them because I couldn't afford to pay them that much of a payment, and it never should have gone that high in the first place. 
I was just hit with 30 day lates on my credit for this in XXXX and XXXX, but i don't even know how when I have been making my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 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: FL

Complaint narrative:
It has been over 30 days since I sent dispute letters to the credit bureaus of false accounts on my credit reports. I have not received any results about my investigation. This is a violation of my credit rights.Letters where sent out XX/XX/2021.

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 2021-09-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I was presented an offer by CitiBank to open a 'Miles ahead ' savings account with a balance of $ XXXX to earn XXXX American Airlines miles. I have an existing American Airlines credit card through Citi which is why I believe I was targeted with the offer. 

I complied with the terms of the offer but did not receive the miles. I have talked to Citi customer service four times and each time they agree that I qualify and send a inquiry on to their promotion review group. That group then rejects the inquiry and tells me to contact customer support. It feels like a deliberate attempt to scam people. I am a pretty persistent person an I am nearly ready to give up.

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 2021-09-08 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Finance Company, Inc.
State: CO

Complaint narrative:
I have been trying to handle a medical debt with Professional Finance since XX/XX/2021. I noticed two Collection accounts on my credit report in XXXX of XXXX, I contacted the Collection company and all they did was send me " a validation " of my name and address on the collection. I then contacted XXXX XXXX XXXX they said they had no information on it it had been sent to collections, I then called my insurance company and they stated they never paid because the {$1500.00} deductible was never paid by me and the account was too old to pay now. The insurance told me to deal with the collection agency. I then called XXXX XXXX and said I would pay what I could on the deductible, they said they wouldn't take it. So, I then sent Professional Finance 2 more settlement letters. I still have not received communication from them. I have done everything possible to handle this and this is affecting my ability to establish credit. Furthermore, every month they are unlawfully re-aging this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 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: EQUIFAX, INC.
State: VA

Complaint narrative:
Inaccurate and fraudulent accounts reported from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: AR

Complaint narrative:
US bank reliacard is unlawfully holding my daughters child support saying they need proof that I changed my address when in fact you have to show Id at child support office to do so. I have sent my DL and by their own admission and they made the mistake as to why it was sent and still have not released my childs money during a pandemic

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 2021-09-08 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
The lender deleted tradeline after I have made 65 months of payments in good standing which took my credit score down 100 points causing me not to be able to make home buying purchase and shows poor credit standing plus company charged me late payments and has over charged my account over the last 3 years I have made {$60.00} per month over the regular balance when I called the company they refused to assist and stonewalled and was confrontational the company admitted they deleted the tradeline and the was a cease and desist put on my account that i did not request

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 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: VA

Complaint narrative:
Inaccurate and fraudulent accounts reported from my credit report.

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 2021-09-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
In XX/XX/XXXX XXXX XXXX and his girlfriend XXXX used my date of birth and social security number with a false name to obtain a vehicle for his girlfriend. My name has never been XXXX XXXX which is name they used pretending to be his wife. The vehicle purchase was made in Georgia where I have never lived but they did on XXXX  XXXX XXXX in XXXX paperwork for his lease submitted to the creditor. I have never owned a XXXX never needed a car loan as purchased a new car and truck in XXXX and paid cash for it. I still have both of those vehicles vehicle today. They recovered the vehicle ( XXXX ) because I reported it as fraud to the creditor and car dealer. The vehicle was recovered from XXXX in XXXX FL not from me as I have never lived in XXXX FL. I live in XXXX FL since XX/XX/XXXX with my fianc who can verify that everything I have been disputing is fact. They changed the name on the loan to match mine when I disputed on the creditor reports. XXXX XXXX already wrote them an affidavit, as instructed by the Court, and sent to XXXX XXXX stating that he and XXXX committed the fraud. I was given a copy of this affidavit and sent to XXXX XXXX as well. I made out police reports against them and the car dealership in Georgia, in both XXXX and XXXX for Identity theft. Notified all State and U.S. Attorneys, have cooperated fully and agreed to assist in prosecution. The more I dispute this fraud, the more the company harasses and comes after 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 2021-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mines and is correct. In the results of your first investigation, you stated in writing that you " verified '' that these items are being " reported correctly ''? Who verified these accounts?

You have not provided me a copy of any original documents required under SECTION 6099 ( a ) ( 1 ) ( A ) & SECTION 611 ( a ) ( 1 ) ( A ) a consumer contract with my signature on it and under SECTION 611 ( 5 ) ( A ) of the FCRA you are required to promptly delete all information which can not be verified.

The law is very clear as to the civil liability and the remedy available to me for negligent noncompliance SECTION 617 if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA XXXX XXXX XXXX XXXXXXXX {$0.00}, XXXX XXXX # XXXX {$1000.00}, XXXX XXXX XXXX # XXXX {$5200.00}, XXXX XXXX XXXX # XXXX {$1000.00}, XXXX XXXX XXXX # XXXX {$160.00}, XXXX XXXX  XXXX  # XXXX {$240.00}, XXXX XXXX # XXXX {$70.00}, XXXX XXXX # XXXX {$250.00}, XXXX XXXX  # XXXX {$570.00}, XXXX XXXX # XXXX {$110.00}, XXXX XXXX # XXXX {$190.00}, XXXX XXXX # XXXX {$48.00}, XXXX XXXX XXXXXXXX # XXXX {$350.00}, XXXX  # XXXX {$170.00}

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 2021-09-08 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
A Target credit card was opened in my name and sent to my address. It was sent at the end of XX/XX/2021. I contacted the credit card company on XX/XX/XXXX and closed the account. I reported as fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Trans Union is insensitive to my age and health situation and is denying me credit and filing incorrect credit reports with missing information or old information that is not relevant this is clearly affecting me XXXX and XXXX  and placing my health at risk and denying me a XXXX credit card through 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 2021-09-08 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: AZ

Complaint narrative:
The Bureaus-XXXX XXXX {$980.00}, XXXX-XXXX  XXXX XXXX XXXX XXXX {$17000.00}, XXXX XXXX XXXX {$1900.00}, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX {$3700.00} XXXX XXXX XXXX XXXX XXXX XXXX {$2900.00}, XXXX XXXX XXXX XXXX XXXX {$13000.00}, XXXX-XXXXXXXX XXXXXXXX {$1200.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$8900.00} XXXX XXXX XXXX XXXX XXXX XXXX {$4500.00}, XXXX  XXXX XXXX {$710.00} XXXX XXXX XXXX {$960.00} XXXX The accounts listed above do not belong to me, I didn't apply or use these accounts.This was fraud that was committed in my name. I need this removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 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: AZ

Complaint narrative:
The Bureaus-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$960.00} XXXX The accounts listed above do not belong to me, I didn't apply or use these accounts.This was fraud that was committed in my name. I need this removed from my credit file.

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 2021-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: PA

Complaint narrative:
Hello, this is not my first time going through something such as receiving deposits from cash app ive been a valued customer since XXXX and never had this problem up until XXXX of last year. They cash support no one ever responds and they numbers gives me the run arounds i havnt been able to speak to anyone directly about my problems cause they are either telling me they dont see no deposit or they dont know whats going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 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: PNC Bank N.A.
State: NY

Complaint narrative:
I have these accounts that are not mine and i want them to be removed from my credit report. 

1. Identity Theft PNCBANK Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flagstar Bank, N.A.
State: AZ

Complaint narrative:
1. Flagstar bank has taken since XX/XX/2021 to process a mortgage refinance. 
2. This bank is also requiring me to amend my tax filing and requiring me to show proof the tax bill was paid. 
3. I asked the appraiser to go to the property and evaluate the property without disturbing the tenants. The appraiser required photos of the interior.

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 2021-09-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
It has been over 30 days since I sent dispute letters to the credit bureaus of false accounts on my credit reports. I have not received any results about my investigation. This is a violation of my credit rights.Letters where sent out XX/XX/2021.

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 2021-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
It has been over 30 days since I sent dispute letters to the credit bureaus of false accounts on my credit reports. I have not received any results about my investigation. This is a violation of my credit rights.Letters where sent out XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
Syncro/ Amazon card company charged me a fee to close a account that I never used and reported charges to the credit bureau as unpaid. Which dropped my credit score and ruined my ability to make purchases that I wanted. I was informed that I did not have to charge a fee to close this account that I never used and after 3 attempts to close this account they finally did. Syncro/ Amazon bank card company forced me to pay them to close a account I never 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 non-monetary relief
Consumer complaint received 2021-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XXXX XXXX is insensitive to my age and health situation and is denying me credit and filing incorrect credit reports with missing information or old information that is not relevant this is clearly affecting me XXXX  and XXXX  and placing my health at risk and denying me a care  credit card through Synchrony 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 explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX is insensitive to my age and health situation and is denying me credit and filing incorrect credit reports with missing information or old information that is not relevant this is clearly affecting me XXXX and XXXX and placing my health at risk and denying me a XXXX credit card through 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