vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
I recently received an XXXX XXXX XXXX Mastercard from Barclays. I promptly signed up for autopay. On XX/XX/XXXX, Barclay 's sent me the email below. 

XXXX XXXX Account Ending : XXXX Cardmember Since : XX/XX/XXXX (? ) Thank you for enrolling in repeat payments Your Card : XXXX XXXX XXXX Mastercard from Barclays Payment amount : Your statement balance amount Scheduled for : Your due date Bank Account Name : XXXX XXXX XXXX XXXX - XXXX Your first withdrawal date will be on XX/XX/XXXX, thereafter a repeat payment will be made on your due date each month. 

Since Barclay 's acknowledges that they received my payment **on the due date**, how do they have the NERVE to charge me a " late fee '' THREE DAYS BEFORE THE DUE DATE?

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 2021-10-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IL

Complaint narrative:
I asked the company if they could send me proof that this is my information and I didnt get a response from the company. I didnt have service with the company at all. XXXX sold my information to a debt collection company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 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: NC

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BALANCED HEALTHCARE RECEIVABLES, LLC
State: PA

Complaint narrative:
Balance Healthcare Receivables LLC sent me a deceptive form stating that I owe an alleged debt and to pay them. I owe no such debt and I refuse to pay this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
There is an account that I previously disputed and had deleted reappearing on my credit report. It is illegal to reinsert information on my report without notice according to 15USC 1681i ( 5 ) ( B ) ( ii ) ( iii ). This XXXX account was deleted from Experian on XXXX XXXX. Attached is a screenshot of the proof of deletion directly from my Experian account and the law about this reinsertion.

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 2021-10-12 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: TX

Complaint narrative:
I submitted an online dispute with Experian on XX/XX/XXXX and on XX/XX/2021 I received their result online. The items I disputed were XXXX XXXX XXXX  that starts with XXXX and XXXX XXXX XXXX that starts with XXXX. Experian completed their investigations in less than 3 days. No way was this a thorough investigation process. In my dispute, I have requested contracts with my signature to prove that these accounts are mine. I suspected Experian requested public information from XXXX or XXXX XXXX. Please direct Experian to delete these unknown accounts from my credit report. Their lack of investigative process was not accurate. By FRCA law and FTC Law, my report must be accurate, no errors and verifiable. I have attached their online result for your reference.

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 2021-10-12 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: TX

Complaint narrative:
I submitted an online dispute with Experian on XX/XX/2021 for the XXXX XXXX XXXX that starts with XXXX. Experian completed their investigations in less than 9 days. No way was this a thorough investigation process. In my dispute, I have requested contract with my signature to prove that this account is mine. I suspected Experian requested public information from XXXX or sage stream. Please direct Experian to delete these unknown account from my credit report. Their lack of investigative process was not accurate. By FRCA law and FTC Law, my report must be accurate, no errors and verifiable. I have attached their online result for your reference.

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 2021-10-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Bureaus, Inc.
State: FL

Complaint narrative:
This debt collector represents an inactive debt and is duplicate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Strategic Alliances, Inc.
State: OH

Complaint narrative:
Re : case # XXXX XXXX First Portfolio Ventures in XXXX XXXX XXXX Plaintiff told court that they had 'perfected service on me ' regarding this case. 

From middle XX/XX/2020 to late XX/XX/2020, I was hospitalized with a life-threatening medical emergency and required XXXX XXXX XXXX XXXX XXXX. During this time, I was completely unaware that any proceeding was being levied against me by First Portfolio Ventures I LLC through their legal counsel of XXXX XXXX. 

Because of this life-threatening medical emergency, I was physically incapacitated and could not have made any kind of response even if I had known that this was going on. Proof of Medical Records of this can be provided upon request. While I was in the hospital and in rehab, there was no one authorized to sign any signature cards for certified mail on my behalf. 

I believe that XXXX XXXX has submitted falsified documentation to the court that they perfected service on me. I requested that the documentation they submitted to the court be provided to me for verification of signature. None has been forthcoming. 

I consulted an attorney on this and was told " Mail carriers have been signing for certified mail deliveries themselves during the pandemic. This may have happened in your case. You might be able to get the default judgment thrown out if that is what happened. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I booked a four night trip through XXXX XXXX for a trip to XXXX, Florida for the dates XXXX XXXX XXXX. There were two payments to process, the first in the amount of {$640.00} in XXXX processed normally. The second payment that was supposed to process sometime in XXXX of {$620.00} failed to process due to credit limits on my Bank of America credit card. It is the companies policy to notify its customers of this, however, I was not notified. Instead my vacation reservation was cancelled by the company without my knowledge. I never got to go on my trip and when I tried to rebook the stay at the same residence it had already been booked by someone else. Neither Bank of America NOR XXXX XXXX notified me of the failed payment. The email address on file with XXXX XXXX is not a working email. I had informed XXXX XXXX of this several times prior to this issue. I even tried to change my email address but they would not allow me to due to the way the system is set up. Come to find much later after the fact XXXX XXXX tried sending two emails to a non deliverable email that I used 5 years ago when I was in college XXXX ) to notify me of the failed payment. You would think that once air bnb realized the emails were non deliverable they would have tried to contact me an alternative way ( via air bnb messages or through telephone ). But no they instead cancelled my reservation. Due to the hosts policy if a reservation is cancelled 2 days after booking they are entitled to 1/2 of the cost of the trip ( XXXX ). I understand this policy however I did not cancel the trip. It was cancelled on my behalf. Had the company contacted me through an appropriate means to notify me of the failed payment I would have resolved the issue. Instead, not only did I lose {$640.00} but I also lost at least 24 hours on the phone/messaging with airlines, air bnb, my bank, my family and the host trying to resolve the issue at hand. My bank, XXXX  XXXX, the host and the airlines did not refund my money. I am out at least {$640.00} for the reservation for a trip I never got to take as well as my non refundable flights as well as the time spent trying to resolve these issues. Not to mention, being treated like a liar and thief is not appropriate either. The host of the XXXX XXXX was extremely rude and unforgiving during this entire situation. I work 65 hour weeks and have very little time to resolve these issues. I do not appreciate the way my bank failed to resolve the disputed charge without even allowing me an explanation as well as the way XXXX XXXX has handled the entire situation.

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 2021-10-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital one has been harassing me with repeated phone calls, the last call was made on XX/XX/2021 that was 39 minutes long. I recorded the whole call and the guy I was on the phone with has submitted a complaint on the harassment that I have been receiving and he was informed that it was a violation of my consumer rights pursuant to 15 usc 1692d and 15 usc 1692c but I have not heard anything back from no one so this complaint is for a response back from an executive team member. I would advise that this gets handled outside of court because If I have to seek litigation for the relief I am entitled to for sustained damages pursuant to 15 usc 1692k, attorney fees 15 usc 1692k ( a ) ( 3 ) will be added since I will be representing myself. I am a consumer natural person and your illicit activity needs to be stopped and for the record this complaint is not tied to my complaint I have with you last week because I have not provided anything detail on the calls that your company has made so if my complaint gets marked as duplicate I will be adding these fees to that complaint and I will start my administrative process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
TD bank closed my account after 4 hours and have yet to return the funds i used to fund the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-12 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: GA

Complaint narrative:
The last dispute I submitted was in XX/XX/XXXX in regard to their reporting of my XXXX XXXX account. The account has been reflecting a 30 day late payment which is being reported incorrectly. I received a letter from XXXX XXXX that I mailed to Equifax that reflects they reported the 30 day late payment in error. This letter was generated on XX/XX/XXXX in which they also stated they mailed to the bureaus in regard to the error as well. But yet after their attempt and a year later they are still showing false information. If this attempt does not work with the CFPB I will take it a step further to get this inaccurate information removed as this is intentional false reporting and I am sure that there are laws against this type of activity. If they do not believe that the letter is factual there is a contact number on the letter which makes me believe they didn't even bother to investigate my dispute. XXXX XXXX even refunded the amount of the late pay due to the error. I am also uploading a copy of the letter that I receive from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: BMW Financial Services NA, LLC
State: FL

Complaint narrative:
IN XX/XX/2021 BMW FINANCIAL REPORTED MY CAR LOAN LATE AND OPEN WHEN IN FACT I HAVE NEVER PAID ANYTHING LATE ON MY CREDIT AND THAT VEHICLE CAR LOAN IS PAID IN FULL AND CLOSED BUT IT IS REFLECTING AS OPEN.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 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: FL

Complaint narrative:
Transunion refuses to delete the negative reporting of my Chapter XXXX public record. Transunion refused to review my dispute and referred me to XXXX XXXX, a third party reporting agency. XXXX and XXXX complied after receiving my dispute with the letter from the bankruptcy court stating the courts do not report to credit bureaus. I tried over 3 times to reach out to XXXX XXXX, but they refuse to confirm how they received my information. Each time, they provided me with a code to review my XXXX XXXX report. This is absolutely a violation of the FCRA and I want Transunion and XXXX XXXX to be held accountable. The negative reporting from Transunion has ruined my life and credit profile. I am unable to get housing during this pandemic because of this negative reporting.

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 2021-10-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
I discovered Spring Oaks Capital LLC posted a collections account on my transunion credit report. They listed a balance of {$790.00} opened on XX/XX/2021. This information is false and fraudulent and I have not heard of this company. Reading the original debt collector name as XXXX XXXX, I recognize this was a previous collection account that was deleted because it was fraudulent. Now they have come back as a new company. The XXXX XXXX  collection account was deleted and resolve 6 years ago as fraud, now they have come back as a new company and reporting a new account opening in 2021 with the same fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 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: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX -Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
On XX/XX/XXXX a suspicious charge was made on my XXXX XXXX XXXX XXXX XXXX XXXX Master Card for {$1500.00} at the XXXX XXXX XXXX Store in XXXX XXXX Florida. I was contacted by Barclays Bank that services this card as to whether this was my purchase and replied no, I am on XXXX XXXX, NY where I live and this is not a valid charge and my card is in my possession. Barclays Bank suspended my account and then investigated the purchase and on XX/XX/XXXX sent me a letter claiming that this activity was valid and reinstated the {$1500.00} charge to my account. Since then I have made numerous phone calls disputing this with Barclays Bank an not getting any resolution. I have filed police reports and reached out to the XXXX store to get surveillance tapes but the police needs to request this. So I am at a loss and do not 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
Consumer complaint received 2021-10-12 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have contacted the credit bureau regarding the incorrect information on my credit report. I was informed to submit my information. I uploaded my information as well as mailed it. The items are still showing and need to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Responses from both Transunion and XXXX indicate that the issue of removing a middle initial was resolved. I continue to receive mail with a middle initial however, which I have never in my lifetime used. XXXX took the appropriate action and removed said middle initial. All I ask is that Transunion and XXXX respond with a similar action and 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 explanation
Consumer complaint received 2021-10-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
I discovered XXXX XXXX XXXX XXXX posted a collections account on my transunion credit report. They listed a balance of {$790.00} opened on XX/XX/2021. This information is false and fraudulent and I have not heard of this company. Reading the original debt collector name as XXXX XXXX, I recognize this was a previous collection account that was deleted because it was fraudulent. Now they have come back as a new company. The XXXX XXXX  collection account was deleted and resolve 6 years ago as fraud, now they have come back as a new company and reporting a new account opening in 2021 with the same fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 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: TN

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021.

Company response to consumer: Closed with explanation