vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-04 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Fraud dispute filed with Bank of America on or around XX/XX/XXXX for a charge of {$670.00} on my Customized cash rewards XXXX. This charge labeled " XXXX XXXX " occurred on XX/XX/XXXX. This transaction was completely un-authorized and charged without my consent and knowledge. On XX/XX/XXXX Bank of America declined the dispute and reassessed the charges to my credit card bill without providing any evidence or reason as to why. Today XX/XX/XXXX I contacted the Fraud department to reopen the case and find out why they had not sent me any information regarding the decision. I also provided them with information and additional facts that should easily identify this fraudulent charge as fraudulent. 

Those facts are : XXXX. All XXXX transactions were supposed to be blocked on my account in the first place. This charge should have been blocked from the get go and never gone through. 

XXXX. Bank of America had originally flagged this charge as a fraudulent in the first place, but still let the charge occur. Bank of America and I both have the text messages sent to me from them marking the charge as fraudulent. I work in XXXX a majority of the time. Therefore, I don't receive any domestic calls or texts. It was when I arrived back in the US that I received the text messages and promptly reported the fraud. This was XXXX weeks after the charge occurred, well within the time-frame allowed to report the fraud. 

XXXX. This transaction is well outside of my consumer spending habits. I have never spent over $ XXXX on the credit card. Usually for gasoline purchases as its a cash reward credit card. A {$670.00} charge is well outside of my spending habits, and should have immediately marked the charge as fraud. 

XXXX. I was never sent any information on why this dispute was 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 monetary relief
Consumer complaint received 2022-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc
State: MO

Complaint narrative:
My previous landlord assesed move out charges in XX/XX/2021 that I disputed. They turned these charges over to Hunter Warfield for collection. I disputed the charges with them as well within 30 days. They sent me photos from my previous landlord and then reported the charges to the credit bureaus. My credit score as dropped significantly because of this making it difficult for me to get a loan for a new vehicle which is affecting my business. I have video of the apartment when i moved out that disputes the charges assessed. XXXX XXXX XXXX now XXXX XXXX assessed these bogus charges as retalition against me because the property manager and I had disputes while I was living there. I disagree with the charges Hunter Warfield is attempting to collect and that is reporting to the credit bureaus. I have video to dispute the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CLGF Holdco 1, LLC
State: WI

Complaint narrative:
I received a bill in the mail for a milestone credit card from genesis fs card services ( account ending in XXXX ). I did not apply for this card. I have not received this card and I don't want this card. Bill date I received was XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 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: Avant Holding Company, Inc.
State: MD

Complaint narrative:
Hello I am now divorced and recently married so my new name is XXXX XXXX XXXX. I am requesting assistance with my Credit Card Company Avant. Card # XXXX. POC is XXXX XXXX ext XXXX claim # XXXX, email address of rep XXXX ... .In XXXX / XXXX of 2022 I applied and received a credit card with Avant. I applied for this credit card to go on vacation. I unfortunately lost the card and did not know. I found out that my card was lost when I was looking at my app and saw that there were various charges on my account that I did not do. I called and filed a fraud claim with Avant. I also tried to do some investigation my self calling the merchants to let them know what happened to me. They said they could not assist me because I already filed a claim with the bank.. I called to find out the decision on my claim and recently was told that I am to be held responsible for the charges even though I did not place any of the charges and not in possession of the card

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Last year I went through a time of fore bearance with my mortgage with XXXX XXXXXXXX XXXX. I was told by them that I would have to check in periodically, which I did and that I would not need to make any payments and there would be no payments demanded during this time. I was able to start making regular mortgage payments starting last XXXX and have been on-time/current ever since. I was told by the people that processed the loan modification after the fore bearance that I would have to have twelve consecutive months of not missing or being late on my mortgage payments and then I could re-finance at that time ( XXXX of this year ). I found out yesterday that XXXX XXXX XXXX reported me 60 days delinquent on XX/XX/XXXX and then 150 days late on XX/XX/XXXX. I called to speak with them regarding this today and was told by their representative in the account resolution team that I missed some check-ins with them during that time of forebearance and so they were required to report it that way to the credit bureau XXXX All the time, every month I would check in they would tell me that they understood and that nothing will impact my credit, not to make any payments until they were able to get the loan modification completed. They did the remodification in XXXX of last year and I started making payments the first of XXXX and faithfully on time without fail ever since. This now locks me in to stay in this loan with XXXX for XXXX years according to what I was told by another lender who was looking into the possibility of refinance and getting some equity to pay off some debt/make some home improvements. I feel they were not operating in any integrity and now just want to keep me locked into their mortgage for XXXX years without me having any options. There have been several calls from representatives of XXXX to try and get me all set up for refinance with taking out equity in XXXX of this year and now I find out that it will be XXXX of XXXX before I can refinance based on this error in their reporting against what they instructed me to do and said would happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I closed a truist account at least two months ago, I cant remember the exact date. I had opened the account on XX/XX/XXXX and closed it shortly after mom died in XXXX. I had opened a joint account it to help her since she had XXXX. About a month later i no longer needed the account since my main bank is XXXX XXXX. I closed the account at truist over the phone and asked them to send me a cashiers check for the {$400.00} or so odd dollars that was in the account. To date I have not received my money and have had 6-7 interactions with them mostly on the phone but once at the branch in XXXX XXXX XXXX XXXX XXXX. They have told me time and time again that it is coming and after they determined it might be lost on XX/XX/XXXX they said theyd escalate it but as of today, after another interaction with customer service they still can not tell me when Im going to get my check.

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 2022-08-04 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: GA

Complaint narrative:
My personal information is inaccurately reported. Rather than fix the problem, XXXX sent me a letter accusing an unauthorized third party made the request. As if I'm not capable of advocating on my behalf. XXXX corrected the report ( thank you ). And Experian never bothered to reply!

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 2022-08-04 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 noticed many incorrect and unauthorized items appeared in my 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 non-monetary relief
Consumer complaint received 2022-08-04 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have noticed many incorrect and unauthorized items appeared in my 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 non-monetary relief
Consumer complaint received 2022-08-04 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: IL

Complaint narrative:
I feel taken advantage of since my disputes are being ignored! I have previously disputed this account, as it is evident that you are reporting false information. The opened date, the last reported date, and the last active date are incorrect!!! You fail to even verify this account!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 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: TN

Complaint narrative:
EXPERIAN IS AND HAS REFUSED FOR NEARLY A YEAR TO DELETE ACCOUNT ( XXXX XXXX  ) WHICH WAS ASSOCIATED TO AN ERRONEOUS, BUT NOW ( DELETED ) XXXX XXXX BANKRUPTCY. THIS ACCOUNT HAS AND CONTINUES TO AFFECT MY CREDIT WORTHINESS. I HAVE A XXXX FICO SCORE, BUT AM BEING DENIED LINES OF CREDIT DUE TO THIS ERROR! I WANT THIS ACCOUNT DELETED NOW!

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 2022-08-04 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX 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 an account without my written instructions

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 2022-08-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: FIRST HOME MORTGAGE CORPORATION
State: VA

Complaint narrative:
Loan company is unable and unwilling to provide me monthly statements. They claim that since they provided me a " coupon book '' when I got my mortgage, that they are not obliged to provide me monthly statements. They offered to mail or fax me a statement, but that they will not do this routinely nor will they make statements available on their website for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
There is a credit balance of {$150.00} on my Kohl 's charge card account. I have contacted Kohl 's several times requesting a refund check be mailed to me ( first contact was on Thursday XX/XX/2022, second contact was on Monday XX/XX/2022, and third contact was on Tuesday XX/XX/2022 ). However they have not yet processed my refund check and the credit balance continues to show on my account. Kindly requesting that Kohl 's send me my refund check as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
Bill was co-pay to a doctor in XXXX XXXX XXXX. It was paid 0n XXXX. Ihave copy of check, front and back. Paid thru bill pay. Talked with head of consumer relations at XXXX XXXX XXXX. He confirms I owe nothing. HRRG continues to send statements and leave messages on voice mail. This bill was for {$30.00}. 
XXXX XXXX confirms they do not use HRRG and described this as a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
On XX/XX/2022 I noticed 2 fraudulent charges on my Ulta Comenity credit account for approximately $ XXXX ; one in XX/XX/2022 and one in XX/XX/2022. I contacted Ulta Comenity to speak with an agent. When I reached the agent, he said he was going to connect me to the Fraud Dept. but hung up on me after I waited almost an hour on the phone. I tried contacting the agent again, with no success, so I sent 2 messages. One message asking to freeze the account for any new purchases, and one to ask about recovering the money for the fraudulent charges. They replied by telling me to contact their Fraud Dept. by phone. This was very frustrating. I have frozen the account for any new purchases, I have reported the card stole, but now I can not access my online account to make a payment on my remaining balance. Please help me!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-04 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX 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 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 2022-08-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Express Recovery Services, Inc.
State: UT

Complaint narrative:
I was made aware of an alleged debt of {$77.00} when I saw it on my credit report XXXX XX/XX/2022 under Collections. I have never received written correspondence or phone calls from Express Recovery Services, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX UT XXXX. When I saw it, I immediately contacted my estranged wife and asked if she knew anything about it. I did not know if the collection was due to identity theft, her debt or mine and did not know what Express Recovery Services was until I googled it after seeing the collection on my credit report.

What I have learned since is that Express Recovery was contacted by my estranged wife on XXXX XX/XX/2022. She spoke with an individual named XXXX from Express Recovery Services , Inc. During this conversation, XXXX violated the Fair Debt Collection Practices Act ( FDCPA ) by discussing this debt her.My debt is none of my estranged wifes concern. Our credit is separate but regardless, I believe XXXX violated the FDCPAs policy. XXXX discussion of this debt with my wife was a gross violation of my privacy. 

Furthermore, XXXX discussed the original debtor as Utah XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, UT XXXX. For XXXX to report that I had a debt with this medical facility implies that I have used this medical facility and therefore she violated the Health Insurance Portability and Accountability Act ( HIPAA ), and my right to privacy. HIPAA violations 4 and 5 specifically. In my opinion, XXXX discussion with my estranged wife are criminal and should absolutely come with penalties. 

I phoned XXXX XXXX on XXXX XXXX and found that the debt was mine from nearly two years ago, but they were using an outdated address. Ive been in my current home for nearly 24 years and they were using an address prior to that. However, I did pay the debt directly to XXXX  XXXX over the phone. In a further conversation is the XXXX XXXX Office Manager, XXXX XXXX XXXX, he stated that he would inform Express Recovery to remove this collection by Thursday, XXXX XXXX. To date, the collection remains. While he made apologies for the error, the fact remains, my privacy was violated.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
In XX/XX/2021, I made an inquiry into the monthly payment for taking out an affirm loan to purchase a plane ticket from XXXX FL to XXXX GA. When I saw the the monthly amount I decided to purchase the ticket outright. Affirm continued on with the loan despite me purchasing the ticket on my own. They've been harrassinf me despite me providing them proof that i purchased my own ticket ; everyday by calling me non stop. Sometimes its upwards of about 9 -10 calls a day! I'm beyond frustrated and want this terrible loan company to just GO AWAY! AT the time of the so-called " loan '' I had more than XXXX in the bank and as of today could easily pay this off but i REFUSE to let them get away with internet theft! 

I demand they investigate and they keep giving me exscuses! The first exscuse was my dispute window closed because i didn't open the case within 60 days. I prooved them wrong. THen they just went round and round trying to dodge the evidence that i purchased trhe ticket in full with my own cash verifiable with bank statements. 

Please be advised that the XXXX XXXX ticket number is in the confirmation on my bank statement. THey are also aware of this too

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have noticed many incorrect and unauthorized items appeared in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lockhart, Morris & Montgomery Inc.
State: TX

Complaint narrative:
On XX/XX/2022, I received a letter from Lockhart , Morris & Montgomery informing me of an electric debt with XXXX XXXX XXXX XXXX. Within the letter, it stated that I had until XX/XX/2022 to respond to the letter to either pay or dispute the debt. This debt does not belong to me, so I responded with a certified letter on XX/XX/2022. As of today, XX/XX/2022, I received a notification from XXXX that this debt has been added to my credit report as a derogatory debt collection. This is a violation and should be removed from my credit report ASAP. I was not allotted the full time to respond to this letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation