vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Bank of America is retaliating on me for reporting them to CFPB. The complaint XXXX on XX/XX/XXXX and several others against Bank of America is the same month out of the many years going back beyond XXXX. I have always paid every single time and my history and credit score of XXXX shows this. So there was no bill sent to me in XXXX, No bill sent to me in XXXX, No bill sent to me in XXXX EXCEPT for a letter saying I owed $ XXXX and I told them then that I had not received any bills. They told me they would send me the statement. I received XXXX more letters for XXXX in my recorded phone call with them at no time did they disclose that there was a higher balance owed. At no time did they " re-send '' the XXXX or XXXX statement. The only reason would be fraud so as to not disclose what I actually owed. This is all recorded on tape. 
This company is in direct violation of the Credit Card Act. They sent me letters of a payment due but no other information - that I actually owned more or a total balance. They deliberately withheld XXXX statements. I got letters which I assumed was the total balanced owed. And I asked the phone what is the total amount owed back in XXXX, I was cited XXXX. Which was a lie. 
They claim that sent, and that the post office could have had issues. I checked with the post office- and they said no issues. XXXX XXXX XXXX. I also receive XXXX bills, mortgage bills and other credit card bills with no issue every month. If it was the post office it there would be evidence of randomness, meaning it would happen with them. This has happens ONLY WITH BANK OF AMERICA XXXX XXXX  XXXX account no other company I deal with does this happen. 
This company, when the balance is XXXX, they do not send any other statements. So I am assuming that the XXXX is all I owed and so I sent that in XXXX. 
They also claim I did not send in {$13.00} back in XX/XX/XXXX. I have the cancelled check stub from them showing they processed. 
This all started with this business account after my complaints against them on my personal account - the very same month I made those complaints. 
I will be suing for damages and for fines and all fees.

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 2022-01-15 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: MD

Complaint narrative:
My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISSIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
In XXXX of XXXX after moving to XXXX XXXX, Texas, my XXXX XXXX service began to take a sharp dive. I was receiving " 5G '' which at the time, was just a regular LTE network channel, advertised as 5G, which was almost always giving me dial-up data speeds. On several occasions at my apartment and around the city, my speeds were often no more than 800Kbps, which is nothing near the expected speed range for 5G or LTE. I contacted XXXX XXXX several times and was asked to complete troubleshooting, which I did. After troubleshooting, XXXX gave me some excuse about an outage or maintenance, each time I had brought these slow speed concerns to their attention. On the third time reaching out and insisting a ticket be filed for their engineers, I was told no and that the same, repetitive, unhelpful troubleshooting steps need to be done. After those steps were done again, I was told once again that this is just a temporary outage. This issue persisted for months, and in XXXX of XXXX, I contacted XXXX 's Executive Customer Relations team via emailing XXXX executives. My correspondence went unanswered several times until I continued to email their executives. Eventually, a customer relations representative reached out and offered no assistance. I advised them that I demanded for my phone installment plan to be credited and my account closed, so I could take my business to another provider. XXXX refused to provide any type of billing credit or credit to close my device 's installment plan. After weeks of non-compliance from XXXX, I cancelled my account by porting out. Several months later, I am now receiving a bill for {$800.00}, as XXXX is unwilling to reach a resolution because I won't play their bait and switch games. XXXX has sent my balance to multiple collection agencies which have failed to provide validation for the debt and violate FCRA and FDCPA regulations. After challenging the first collection agency, XXXX sold the debt to another agency. 

XXXX initially sent my debt to XXXX XXXX, which sent me an email regarding a balance. Upon sending a debt validation letter, XXXX XXXX did not reply within their required 30 days. After not hearing from XXXX or XXXX for a month, I received a debt collection notice from I.C. System Inc. at the end of XXXX, which I have mailed another debt validation letter, on XX/XX/XXXX. XXXX can not continue to buy back debt for a contract that XXXX violated by not providing proper service as promised, and sell it to a new debt collection agency each time they're challenged by me, as they clearly can not provide the necessary proof that the debt is mine and XXXX should be on notice that they had violated their contractual agreement to me, which I will not be paying for, as I cancelled my service and took my service elsewhere.

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 2022-01-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On or around XXXX of XXXX someone opened an auto loan with XXXX XXXX XXXX XXXX in my name. They also made payments on this loan. I tried disputing this loan when I saw the negative report ( approx. in the year of XXXX ). I have a detailed police report of the Identity Theft Incident 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 2022-01-15 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: NC

Complaint narrative:
XXXX XXXX XXXX  is a fraudulent account i would like to have it deleted i have already provided the FTC report with my last complaint i will provide this time information to help find my credit report file, so that this collections can be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISSIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.

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 2022-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Allgate Financial, LLC
State: VA

Complaint narrative:
XXXX XXXX XXXX. has made a fraudulent claim on behalf of JH Liquidating Trust I to the Credit Bureau stating that I owe a debt of {$810.00}. They are stating per my credit report that the debt/collection was open in XX/XX/XXXX, however after speaking with them via phone, they stated that this is a debt from XXXX and was discharged on 2XXXX. They are refusing to give paperwork stating that this is a debt from XXXX and discharged in XXXX. It also states that the debt was discharged on my credit report however it still states that it is a new debt due to XXXX XXXX XXXXt. on behalf of JH Liquidating Trust I falsifying the date on my credit report. In the state of Virginia the applicable statue of limitations is five years. After the statue of limitations has expired, a creditor or debt collector can no longer file a collection of that debt. They are also in violation of the Fair Debt Collection Practices Act ( FDCPA ) due to this being a time-barred debt and falsifying the date of the debt as stated on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 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: AL

Complaint narrative:
On XX/XX/XXXX I contacted Equifax about the following fraudulent accounts XXXX XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$8700.00} ), XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$560.00} ), XXXXXXXX XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} ), XXXX XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$6200.00} ), XXXX XXXX XXXX Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} ), XXXX XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$9200.00} ). 1. The following account is not mine XXXX XXXX XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$8700.00} ). Equifax failed to investigate and remove these fraudulent information on my credit report. Attached is the dispute I sent to Equifax on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: DISCOVER BANK
State: OH

Complaint narrative:
Discover XXXX XXXX Discriminates. 

We started an application for a XXXX  with with Discover Home Loans. We were told they do not do XXXX only XXXX XXXX XXXX. My husband XXXX spoke with the reps. and I emailed with them. At no point did they tell us that they do not offer any type of loan to people who own more than XXXX acres of property. They had multiple opportunities to tell us this as they had our address at the onset of the process. 
. 
1. This practice is discriminates against individuals who farm, live in rural areas, and are of a protected age as large landowners are typically older. ( average age in 2020 was XXXX ). 

2. This limitation was not disclosed at any time prior to or during the application process. We spoke to reps, emailed reps and had multiple electronic interactions in their portal. They inquired on our credit, lowering our credit scores, and wasted our time. 

This inquiry will increase our interest rate and lower our score jeopardizing our ability to obtain a loan with another company. 

The inquiries need to be electronically deleted using E-oscar or whatever the current quickest method to update ALL THREE CREDIT BUREAUS is.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 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: AMERICA FIRST FEDERAL CREDIT UNION
State: UT

Complaint narrative:
We have had this XXXX for a couple years and recently ( XX/XX/2021 ) were switching our XXXX from our XXXX account ( personal ) to our XXXX account ( business ) - we knew it would potentially interrupt our existing XXXX process with XXXX so when they called to let us know our payment had been returned we immediately paid both that month and the next month payments to make sure we did not have any issues moving forward. When they called we asked them repeatedly if the account was past due and would be reported as past due - they said that the account was current and that no derogatory information had been or would be reported to the credit bureaus. So you can imagine our surprise when we got an alert through XXXX that our score had been dramatically impacted by a 30 day late reporting. We knew the information was inaccurate and reached out to XXXX who said to contact their dispute department- which we did and left a message - no response - so after a month we finally had a friend suggest we submit a dispute through XXXX to XXXX, which we did. After 20 days they processed it and made NO CHANGES to their reporting even though we provided all the information we could. This incorrect information is drastically impacting our finances, ability to refinance, purchase a car that will fit our XXXX ( now XXXX people ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Hello, I'm the XXXX of an XXXX for both my XXXX XXXX 

Wells Fargo lied to me when they put me on the forbearance plan. 

They put me on XXXX for 18 months, but told me I would be able to defer the payments to the end of the loan. 

Now they are demanding for the entire 18 months worth of payments at once. 

Now they are saying they can not defer the loan payments and are foreclosing on me. 

I can't get a hold of anyone at the Bank to talk to me about my XXXX XXXX, and nobody to help me through the process. I submitted the loan modification documents. 

They did send me an apology letter saying that they listened to the tapes, they did in fact give me the wrong information over the phone. 

Their sorry letter isn't going to stop them from foreclosing on my house and I'm wondering how many other people they are lying to like this. 

I have over {$400000.00} in equity on my home, and only {$200000.00} in debt. 

There are XXXX " Home equity '' lines with them. 

Please help.

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 2022-01-15 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: MD

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-15 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: AmeriCollect
State: PA

Complaint narrative:
XXXX XXXX americollect keeps calling from different numbers. However, this is a medical debt I thought you could not put on credit report for derogatory remark. Ive tried opening tickets to resolve but keep closing tickets

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 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: MD

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 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: EQUIFAX, INC.
State: NY

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
related to XXXX They totally deleted me. supposdely because I did not tell them using my card in XXXX, a lie, when we set up account to was because we were oving to XXXX Spent XXXX hours on phone trying to get mr back to world of living., tried to sign in, NO GO, spent XXXX minutes on phone trying to get into account, finally goy back in. BUT... I know have XXXX WT unauthorized fro my account. Supposedly XXXX was a test to get me back to being alive, but now XXXX WT to a XXXX, that I never asked for, spent XXXX minutes on hold and then disconected cause they were too busy to be concerned about my little XXXX out of my account. Not fair, I am a person, I count, my little $ $ count to me. This is FRAUD!!!!!! I need help and I need somwone that is willing to stand up for me. I know you will always take their side, but who stands up for me, the little person who does not count??? Can't someone help me? Please, all I want is MY MONEY that I worked so hard for!!

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 2022-01-15 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: Regional Management Corporation
State: FL

Complaint narrative:
I was notified of a late payment for a loan I never took out, it was apparently fraudulently done through regional finance. I filed a police report and sent in all documents that regional finance required to dispute the ownership of the loan. They promised to remove it from my credit file and it has not been. It is now in charge off. I have disputed the fraudulent loan that I never opened with all three credit bureaus multiple times and it still has not been removed from my credit report. These people are a terror and need to be stopped from wrecking anyone elses credit because they allow fraudulent loans to be opened without any identity verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 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:
I went to check my credit as I always do because Im in the middle of purchasing a home I am a first time home buyer. When I check my credit I found out that my credit score have been lowered by XXXX points on all of the credit companies. I then reached out to the lender that I was working with and she explain to me how to handle it. I called the federal student loan company to tell what had happened he informed me that the federal student loan has a right to close my account and transfer it to someone else. I told him I understood that however the Fed student loan company did note it in my credit report. Neither did they note that when they closed my account that my account was in good standings and it was of no fault of me as the consumer that my federal student loan account was closed. Nor did I have anything to do with it, as a matter of fact I did not even know until I went to pay my monthly payment and it was rejected.

Company response to consumer: Closed with explanation