vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-13 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: CA

Complaint narrative:
IVE NEVER HAD A STUDENT LOAN AND THIS IS CURRENTLY REPORTING ON MY CREDIT FILE WITH XXXX DIFFERENT INDIVIDUAL LOAN 'S ON MY XXXX, EQUIFAX AND XXXX CREDIT REPORTING FILE ACCT NUMBER XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 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: CA

Complaint narrative:
IVE NEVER HAD A STUDENT LOAN AND THIS IS CURRENTLY REPORTING ON MY CREDIT FILE WITH XXXX DIFFERENT INDIVIDUAL LOAN 'S ON MY EXPERIAN, XXXX AND XXXX CREDIT REPORTING FILE ACCT NUMBER 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 2022-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: COMMERCE BANK
State: MO

Complaint narrative:
Opened an account on XXXX and by XX/XX/21 over {$20000.00} was drained from my account. no one called me or put fraud alert that two companies had emptied my account. Finally got a call from XXXX in XXXX XXXX, who began asking me questions. I have been undergoing ID theft since XXXX and quite honestly, I was on another call before she called, and I don't recall what she asked or how I responded. I called back several days later to XXXX and she said I had answered a security question wrongly and my account was frozen, and my money would not be returned. I received an UNLOCKED DEBIT card two weeks after opening the accounts and the thief had already emptied by account of over {$20000.00}. Over a period of less than one week, i had attempted 13 calls for a total of nearly 10 hours on hold. Outwaited, your hold system and got XXXX and her supervisor XXXX, and once again, the money was refused and I asked for his supervisor, who was unavailable but promised a return call after lunch. NO CALL. I then contacted XXXX XXXX for assistance. She was out but left in her message another contact. I contacted XXXX and she promised help, but no one called. The bank has XXXX XXXX of mine and refuses to return it over a misunderstood or confusing SURPRISE CALL from and underling. In total, I have called commerce 13 times, spoken to 16 people, experience three bad transfers resulting in a hang up. Today 's phone hold time was 1 hours and 10 minutes, only to be disconnected. In total, my phone time has been just short of 10 hours over a week and a half. On my attorneys advice, I have contacted the XXXX police, Postal Inspector, FBI and the FTC. This is culminating in undue hardship and destroying a credit rating which was 820! I have locked all credit bureau on legal advice. Reiterating, two weeks after opening these accounts, a debit card finally arrived and was unlocked. {$20000.00} + was taken from my accounts without a warning from the bank after alerts had been set. Mine accounts are now unlocked due to my inability to enter my accounts. Should the thieves want more, I guess it is available to them but not me. Since then, I have left messages for a bank Officer and many other calls to Security. None have been returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I had a Bank of America account that was closed due to fraud activity. It was a {$20000.00} check deposited into my account that was not me. Bank of America didn't even have a procedure to where I can file fraud or anything they just closed my account. Now I can't open a account with XXXX XXXX XXXX XXXX until the hold is taken off my account. I have talked to XXXX XXXX security and early warning services. They have gave me my consumer report and I am now here to file my Dispute. I hope I'm at the right place filing my dispute because I need my card now. The {$20000.00} check was not me and it caused my account to get closed. Bank of America has poor service for fraud activity and I was not protected.

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 2022-07-13 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:
I noticed that EQUIFAX is negligently reporting these inaccurate negative accounts on my credit report. I already tried to fix this with EQUIFAX but they did not send me any process on how they investigated these accounts. This is a violation of the Fair Credit Reporting Act which states that all the information reported on my credit report should be accurate and if ever I would send a dispute or file a complaint with them regarding an inaccurate account, they should disclose with me all the steps they took when investigating and validating the disputed account. 

These are the inaccurate accounts that are in my credit report : XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX  Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX  Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 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: NY

Complaint narrative:
Experian has not legally investigated this collection item. The last reported date is XX/XX/2019. I have requested an investigation numerous times as this account is not mine and continues to show up on my credit report. All of this violates the FCRA.

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 2022-07-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: MARINER FINANCE, LLC
State: AL

Complaint narrative:
Mariner Finance I have called and explained I don't have the funds and that I was going through XXXX XXXX the manager got on the phone and said well unless they pay us off we don't do that and we have to do something about this account.. 
I explained I have a child with XXXX I don't have anything right now..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
In XX/XX/2022, I reported scam/fraud to my bank ( USAA ) for someone getting my login information who then deposited fake checks and wired money out of my account and resulted in the bank ( USAA ) making me reliable for the {$10000.00} that was stolen. As of XXXX XXXX, they have frozen my bank accounts and stated that I am no longer eligible to bank with them ( USAA ). They also will be sending the case to collections if I do not pay them back within 60 days which will severely impact my credit. I have been a long time customer ( over 10 years ) with no issues and the bank ( USAA ) is unwilling to help me with the scam/fraud and has created a huge problem for me and my family. I can not pay my bills since they are withholding my money, bills that were paid are bouncing and resulting in even more fees, and the bank ( USAA ) has turned me into the bad guy since my login information was compromised. I thought I was a member of a customer loyal company but they ( USAA ) have completely turned their back on me. It is hurtful and has caused extreme stress and pressure on my family. This is shameful coming from a company that states they are there for their customers who are part of the military family and community.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
It was a capital one account and I guess it got written off so who ever bought it and trying to collect Ive tried numerous times to dispute this because it was fraud my mother has put stuff in my name and was in jail recently for tax fraud. Ive been working on fixing my credit from what my mother has messed up there is a XXXX XXXX and a capital one that she has opened. No matter how many time Ive tried to fix it, it just gets disregarded. And I shouldnt be threatened about something Ive tried to fix what should have been caught the moment it was happening with my name on the account being XXXX like of a red flag

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 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: AZ

Complaint narrative:
I recently looked at my credit report and found billing issues totaling less than 15 U.S. Errors in billing code 1666 ( b ). Failure of the creditor to accurately record an obligation on a statement, a payment made by the debtor, or a credit given to the debtor. a miscalculation or other accounting-related error made by the creditor on a statement. As far as I'm aware, the creditor didn't send me a statement 21 days in advance, thus there should never be any late payment on this account. Because there are obviously billing errors, I demand to see concrete evidence from the creditor 's bank account that I failed to pay and was flagged as being past due. The relevant account is shown below : XXXX XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 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: Capio Partners, LLC
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC.

Complaint narrative:
Per Citizens ' response to previous complaint XXXX I sent them an email requesting the accounts be closed. Although I have had a Read receipt no action has been taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 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: MS

Complaint narrative:
I noticed that TRANSUNION is negligently reporting these inaccurate negative accounts on my credit report. I already tried to fix this with TRANSUNION but they did not send me any process on how they investigated these accounts. This is a violation of the Fair Credit Reporting Act which states that all the information reported on my credit report should be accurate and if ever I would send a dispute or file a complaint with them regarding an inaccurate account, they should disclose with me all the steps they took when investigating and validating the disputed account. 

These are the inaccurate accounts that are in my credit report : XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX  Account Number : 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 2022-07-13 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: MI

Complaint narrative:
I've disputed with Experian three times regarding XXXX XXXX XXXX account number XXXX regarding payment history. They're reinvestigation remain unchanged from our processing of your dispute in XXXX of XXXXthe company that reported the information has certified to Experian that the information is accurate. Experian mailed me the results and once again the payment history is inaccurate incomplete an unverified. A proper investigation obviously has not been conducted, Experian continues to violate federal law the FCRA is very clear that any inaccurate unverified incomplete information must be removed. I will submit the documentation proving that Experian is still reporting inaccurate unverified information. Which they say is accurate.

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 2022-07-13 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 have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-07-13 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: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
In mid XXXX I went to put gas but my card was declined, thought maybe it was froze because I used it out of town a couple days prior. Go online to review my account and I can not log in, so I call the number on the back of the card and no one answers. This same problem has been going on for nearly a month now with no resolution in site besides some canned answers from a XXXX bot. This is going to effect my credit score which I have working hard to improve. This is all with Bread Financial and Comenity Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: OH

Complaint narrative:
I submitted a PSLF employment certification to my ( XXXX XXXX ) student loan servicer on XX/XX/22. I saw my HR representative at my former position sign the paperwork. 

However, my servicer has determined that the paperwork was " digitally '' signed. That's just false. I asked them to correct their mistake but on XX/XX/22, they refused to do so. 

Now because of this false determination, I have to reach back out to an old employer to get the same form signed. It is absolutely absurd.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: OR

Complaint narrative:
I, XXXX XXXX, signed a lease in XX/XX/XXXX for an XX/XX/XXXX move-in day to move into an apartment complex called XXXX XXXX XXXX  in XXXX, XXXX. Days after signing the lease, the COVID-19 global health pandemic hit and I was immediately put on furlough from my job at XXXX XXXX XXXX XXXX This prompted me to move back in with my parents in XXXX, as I could no longer afford to pay rent due to a complete loss of income, and understanding of what the future held, as was the case for most of us. 

I had been in contact with my leasing agent working on extending my move-in date under the assumption that the pandemic was going to go away sooner than later. This obviously never happened, and I was never made aware that I was still being charged rent for this apartment throughout the course of the summer of XXXX. I was then sent to a collections agency ( Hunter Warfield ) without being made aware of this debt. I have been trying to dispute this case ever since, and in XX/XX/XXXX I was made aware that this case was dropped from my credit report. However, I am now trying to apply for an apartment ( XX/XX/XXXX ) and am being denied based on this " unpaid debt '' ( {$3500.00} ) to Hunter Warfield and XXXX XXXX XXXX. However, based on the Fair Debt Collection Practices Act, one thing I noticed was that a landlord can not " Endanger the health and safety of tenants '', and moving into a new apartment in a global health pandemic falls under this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 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: World Omni Financial Corp.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/2022 Bank of America abruptly and wrongly closed my accounts. They stated that it was a business decision. I have done nothing wrong with this bank. I made disputes with certain transactions which were legitimate. There was no reason to close my account and now I'm fighting to get funds that are still in the accounts to help with school tuition. I have been with this bank for XXXX years and I refuse to allow this. They will not release my funds as promised in a withdrawal request I made to get funds out through the branch on XX/XX/XXXX. I'm sure I'm not the only one who has been through this ordeal as they've been on the news before about this. Please help me right this wrong.

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