vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
On the Credit Report XXXX, TransUnion and XXXX the account and name and amount are incorrect

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 2022-04-10 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: AZ

Complaint narrative:
On the Credit Report Equifax, XXXX and XXXX the account and name and amount are incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10 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: GA

Complaint narrative:
Equifax is unfit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
On XX/XX/XXXX I received a letter from Barclays Bank, indicating that my Barclaycard Financing Visa card Account is 3 months past due. My XXXX account records, showed, however, that I had been making payments of {$250.00} each in XXXX, XXXX and XXXX of XXXX. I talked to Barclays representatives approximately 5 times after XXXX. Finally, I talked to their Resolution Department ( XXXX ) who told me I should send them a voided XXXX check and my online records from XXXX showing each of the payments to Barclaycard. On XX/XX/XXXX, I sent an additional {$500.00} over the phone so that I would be able to close the account. On XX/XX/XXXX I called again and sent my documents to their e-mail ; they ( XXXX XXXX told me I would get a phone call in 2 days, which did not happen. I called again on XX/XX/XXXX ; nothing happened. I asked XXXX to send me detailed records of their 3 payments. I sent these records in XXXX to the e-mail given to me ( XXXX ). I received a letter dated XX/XX/XXXX indicating that they would respond in 45 days. On XX/XX/XXXX they ( XXXX ) opened case # XXXX. In XXXX I received a phone call asking me to pay more than {$800.00} ; when I called, their system was down, so they asked me to call them later.

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 2022-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2022, there was a fraud on my checking account whereby a total of {$15000.00} were withdrawn with my account without my authorization ( one for {$10000.00} and another one for {$5000.00} both on the same day and via XXXX transfer to an account unknown to me under an unknown person called XXXX XXXX ). I did not make this transfer and did not authorize it. In fact, upon making this alleged transaction, Bank of America sent a text message to the cell phone registered under my account and asked me to confirm whether I recognized this transaction and I said NO and still Bank of America withdrew the funds which is a clear evidence that their security system failed since I did not authorize Bank of America to withdraw the funds ( see Appendix file attached to this complaint ). 

Upon finding about this, I called Bank of America on XX/XX/2022, to file a complaint and Bank of America blocked my account and the complaint # is XXXX. 

I asked Bank of America to credit back the {$15000.00} to my account. The bank conducted the investigation and on XX/XX/2022, responded via e-mail with this decision " Our investigation found that the transaction in question was completed using a device that is consistent with previous valid account activity '' After receiving this, I talked to a Bank of America Fraud Department representative on XX/XX/2022, and they provided me with the IP address ( XXXX ) that was used to make the wire transfer and I conducted my own investigation and found that this IP address is in XXXX, XXXX. I have never in my life been to this place nor authorized anyone from this IP address to access my account. I have never used this IP address before, but the bank insists that this IP address was used before to access my account which is not true. 

To summarize, I would like Bank of America to refund the stolen amount of {$15000.00} to my account as this was clearly a security breach to their system and I had nothing to do with it.

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 2022-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I sent in a dispute on XX/XX/XXXX and XX/XX/XXXX and I received a correspondence back from Transunion that my information was not acceptable. Well, I sent in a copy of my drivers license, social security card and my cable bill which is proof of residence. This is a stall tactic to buy more time and this is past the 45 days which was from my first dispute.

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 2022-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery ( org XXXX XXXX  XX/XX/2017, {$670.00},

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: ALLIANT CREDIT UNION
State: PA

Complaint narrative:
Opened my account 14 months ago, faithfully made {$100.00} deposits as required every month for 12 months to receive a {$100.00} bonus per their promotion. I let the balance accumulate over the 12 months to over {$1000.00} before withdrawing {$500.00}. They have not credited my bonus, claiming my {$500.00} withdrawal made me ineligible because I was not allowed to make any withdrawals before the bonus was posted. That was NOT mentioned in the promotion which only highlighted " {$100.00} for depositing $ XXXX. for 12 months ( which I DID MAKE ) and also promoted " no minimum balance and fees ''. So unless they buried the balance requirement somewhere in fine print- which contradicts the big print, they're either mistaken or its misleading advertising. They should pay me the {$100.00} bonus I earned by following the $ XXXX deposit for 12 months which I did, or someone should file a class action lawsuit for deceptive advertising.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I lived in XXXX XXXX from XXXX to XXXX, during that time period COVID-19 happened, I was unable to pay rent due to job loss and only having XXXX for my son as income, I had a phone conversation with the property manager XXXX, XXXX was stated that if I agreed to move out by XXXX, that no action would be brought against me for this account. I wasnt aware of the collection until it was on my credit report for {$10000.00}. I have disputed across all three reporting agencies. I moved into my new apartment on XXXX and have been here since at XXXX XXXX It was reported to National Credit Systems and Ive never received contact from them about this debt or that I could dispute. I will upload pictures of my lease starting on XXXX and pictures of the falling ceiling that was never fixed inside the apartment that me and my XXXX young children occupied. I also never received a eviction notice or any type of notice from this apartment prior to the debt showing up on my credit accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent in a dispute on XX/XX/XXXX and XX/XX/XXXX and I received a correspondence back from XXXX that my information was not acceptable. Well, I sent in a copy of my drivers license, social security card and my cable bill which is proof of residence. This is a stall tactic to buy more time and this is past the 45 days which was from my first dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX I sent a letter asking all Credit Reporting Agencies to send method of verification of debt which all fail to do so. Which they had 15 days to respond From the second dispute receipt of the letter. I have not received anything from no credit reporting agency. Please see attached documents that were submitted to all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I, XXXX XXXX entered a card holder agreement with BANK OF AMERICA on XX/XX/XXXX. BANK OF AMERICA is reporting alleged late payments on my consumer report for the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I sent a letter on XX/XX/XXXX via certified mail demanding they update the alleged late payments pursuant to 15 USC 1681b ( a ) ( 2 ) and 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ). BANK OF AMERICA responded on XX/XX/XXXX stating that they have completed their investigation and have confirmed the information is accurate and they didnt identify any payment record errors related to the account. I sent another letter via certified mail on XX/XX/XXXX demanding a description of the procedure used to determine the accuracy and completeness of the alleged late payments and any items that are found to be inaccurate or incomplete or can not be verified must be deleted from the file of the consumer or modified as appropriate based on the results of the reinvestigation pursuant to 15 USC 1681i ( 5 ) ( a ) ( i ). BANK OF AMERICA responded on XX/XX/XXXX stating that they reviewed their records and confirmed the account information they reported to the consumer reporting agencies is correct and the account details they reported are accurate and they wont be adjusting their reporting like I requested and consider my dispute resolved.

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 2022-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: OH

Complaint narrative:
On XXXX the XXXX I received a letter from American Coradius International LLC. The letter stated I owed XXXX as of XX/XX/2022 and the creditor is XXXX XXXX. I do not have a XXXX account and never have had one. It references account number XXXX. This is a fraudulent attempt to collect money. I looked on line and it appears this company is doing this to multiple people. My concern is if everyone knows about this, why is our government protection agencies not doing anything about them? 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC
State: CA

Complaint narrative:
RPM has never proven to me with any kind of statements that I owe anything. I returned the car XX/XX/XXXX. I have requested via registered mail for them to validate this claim that I owe anything with proof, which they have never done. They did not provide me with their license to collect a debt in California either! ( XXXX  XXXX ) I have my bank statements to prove my payment history. It also proves that they are trying to charge the wrong amount too. I never received anything from XXXX XXXX about any amount owed after I returned the car and that was well before they sold all our info to this disreputable collection agency ( sometime in XXXX, I believe ). I would really like some help in the matter because this is unjustly affecting my credit score. It's not a large amount but I do not owe it. It is the principle not to harass and try to take advantage of people by threatening innocent people 's credit scores with phantom debt. I do not know why they are trying to charge me some ambiguous amount that makes no sense at all and is completely ignorant of the facts. RPM has never told me in which weeks I was allegedly delinquent for -or why the amount differs from my weekly rent payment. They do not know anything as to the terms of my lease either because they simply do not have the information and I believe are falsifying information to collect phantom debt. 

I have attached my payment statements which were auto-drafted from my account until the point at which I canceled my lease with XXXXXXXX XXXX  and they collected the {$250.00} deposit and collected the car. 


I have tried numerous times to correct this false debt being put upon me and it has been exhausting. This company is very unscrupulous by robocalling and never answering the phone when you try to call them. 
I do not owe anything and it is a phantom debt brought about by bad bookkeeping from XXXX XXXX to XXXX XXXX This will turn into a class action lawsuit, that I am sure of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: CA

Complaint narrative:
BSI is violating the terms of the CFPB XXXXonsent order https : //www.consumerfinance.gov/about-us/newsroom/bureau-settles-bsi-financial-services/ specifically : " Handling mortgage servicing transfers with incomplete or inaccurate escrow information resulting in untimely escrow disbursements ; Inadequately overseeing service providers, resulting in untimely escrow disbursements to pay borrowers property taxes and homeowners ' insurance premiums ; '' Clearly BSI continues to mismanage escrow disbursements, and CFPB needs to investigate BSI for ongoing malfeasance.

As an example, my current situation relates to an ongoing issue which BSI refuses to acknowledge - either through incompetence or willful ignorance. My impound account shows three debits of {$2500.00} for property tax ( actually four debits and one credit - all for the identical amount- so the net number of debits is three ). However, only two tax payments should have been made at that dollar amount. This means that there is an ERROR IN THEIR ACCOUNTING FOR MY IMPOUNDS. They should also investigate POTENTIAL FRAUD OR EMBEZZLEMENT from within BSI - since there is no reasonable explanation for the debit, and their ongoing reluctance to address this problem is clearly a concern. The attached documents are : - copies of my property tax bills showing dollar amounts and that only two payments of {$2500.00} were needed. - a copy of BSI 's prior response, the final page I have highlighted FROM THEIR RECORDS the property tax payments at issue. 
Also an image of my XXXX tax bill showing XX/XX/2020 tax dollar amount - further proof of BSI 's efforts to misinform ( i.e. also attached tax record proof that XX/XX/2020 taxes were paid XX/XX/2020 - SIX MONTHS BEFORE BSI WAS EVEN SERVICING THE LOAN. but none of that matters since my taxes were up to date BEFORE BSI bought my mortgage )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10 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: FL

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX, Account # XXXX, XXXX, Account # XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, 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 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 2022-04-10 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: CURO Intermediate Holdings
State: GA

Complaint narrative:
XXXX is unfit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA

Complaint narrative:
XXXX is unfit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
I filed for XXXX XXXX and it was discharged in 2021 and the car was stolen on XX/XX/2021 .This company was ordered by a federal judge that this debt was discharged and a reaffirmation agreement was disapproved, copy attached.

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 2022-04-10 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act : XXXX XXXX XXXX XXXX Account # XXXX Bankruptcy XXXX XXXX  Account # XXXX The Above-mentioned Accounts have 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 explanation
Consumer complaint received 2022-04-10 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: NC

Complaint narrative:
The Credit Bureau never did a proper " investigation '' according to the FCRA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's 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 whom may have knowledge concerning any such items of information.

They did not do this!!!

Credit Bureau stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last activity is not accurate date reported is not accurate and even by the report company XXXX XXXX XXXX formally known as XXXX XXXX closed the account and showed " SATIFACTION OF DEED OF TRUST '' The account number is inaccurate that account was closed and the same account number is being use, a direct violation and against the law, inaccurate. This is grounds for account removal. 
The account is showing open XX/XX/2015, account type, " Mortgage '' same account number that was closed XXXX See attached court recorded document. This is grounds for immediate removal They also violated the law because according to : 15 U.S.C. 1681 section 602 A. States, I have a Right to privacy 15 U.S.C. 1681 Section 604 A section 2 : States, It also states a consumer reporting agency can not furnish a account furnish a account without my written instructions. 

I did not give anyone written instructions. A direct violation

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