vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-15 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:
At the Beginning of XXXX XXXX the XXXX ) I noticed that there were fraudulent withdrawals being made from my XXXX debit card that I have with Bank of America. I called immediately and they told me that they were going to file a claim and that my card would no longer work but that I would receive a credit and would still have access to the account to be able to deposit and withdrawal money while I waited for a new card to be sent. After a week went by I saw that I was no longer able to sign in online to view my account and when I called I was told that since they are having a lot of fraudulent activity that they are just completely freezing any account with a claim and that they are investigating them in the order that they were received. I was also told to call back every few days to check the status of my account but even until today on XX/XX/XXXX, there has still been no update and it is still frozen. I wasn't until the 4th time I called that I was told that I have to fill out a form for XXXX to verify my identity and that once that was done I would have to call Bank of America back to request another form to be sent. I've called a few times each week and there is still no change to my account, they say I am supposed to receive a letter saying that my funds have been returned and that I can access the account but I have yet to receive any such letter. I called unemployment and they told me that if I filled out the form to verify my identity then I just have to wait until both entities finish there investigation and communicate with each other, meanwhile I still have to certify for benefits every two weeks and money is being deposited into an account that I can't access and I don't have any other means of income.

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 2021-02-15 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I let them know I am rescinding my signature to the alleged contract they purchase from the original creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: IL

Complaint narrative:
I received a collections hit on my credit report but never received written notice of the collection. I mailed a check to the claimant that is using the collection company back in XXXX and never heard back.

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 2021-02-15 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 — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I was in debt with 2 Chase credit cards for several years and I paid a large sum of money to Chase to get my balances down and improve my credit score. As soon as I get these balances paid down Chase decides to drop my credit limit to {$300.00} over the amount of the unpaid balance. The point being I paid these high balances down to help my credit score and Chase uses the pay off to decrease my credit score. The problem being I paid the credits down to increase my credit score, High available credit but low balances. Chase drops my balances, so my credit card is showing full balances. So my credit score took a double hit, one for credit decreased and two for maxed out credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 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 — Investigation took more than 30 days
Company: Global Lending Services LLC
State: IL

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ULRS, Inc.
State: CA

Complaint narrative:
United Legal Group Credit Collection Bureau www.unitedlegalgroup.com XXXX : XXXX XXXX XXXX XXXX ext. XXXX They filed a collection on my personal credit report, on a fraud related account with my past business XXXX XXXX XXXX XXXX. I have attached the original complaint, which was filed in small claims and while i effected service, yet in California all small claims have to be served in California so it was dismissed. 

I have also attached two fraud complaints against the original company.

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 2021-02-15 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 — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

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 2021-02-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: NY

Complaint narrative:
Vance and Huffman LLC is reporting on my report in the amount of {$1000.00} I believe. i have never received a dunning letter in regards to the debt or why they are on my report. I have never heard of this company nor have I ever done business with this company before. I would like to know why they are reporting on my report without first notifying me and to provide sufficient legal documentation in regards to this alleged debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-15 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: BBVA FINANCIAL CORPORATION
State: FL

Complaint narrative:
I let them know I am rescinding my signature to the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 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: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
Im writing because I noticed since last year XXXX  credit report contains a one late payment reported from Honda Financial on XXXX, 2017 for my XXXX XXXX  XXXX Account # XXXX I want you to know that I understand my financial obligations, and if it werent for my medical emergency ( XXXX XXXX and XXXX XXXX ) I had, circumstance that caused only one miss a payment, Id have an excellent repayment record. I made a mistake in falling behind, but since then, a leased XXXX more cars with Exceptional payment history with this company. 
Im planning to apply for my first time home buyer mortgage, and preparing for my renewal auto loan, and its come to my attention that the missed payment on my XXXX record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payment on XXXX, 2017. I called, mail Honda Financial with no answer.

Thank you for your consideration, and I hope youll approvemy request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: TN

Complaint narrative:
The below list a a minor list of all these calls, I have contacted them and even. blocked their number but they circumvent this by attempting toes a XXXX area code masked by their real number. This is blatant harassment and myth next step is to see legal representation. 


Name Number When Actions CREDENCE XXXX Today, XXXX XXXX CREDENCE XXXX Today, XXXX XXXX  CREDENCE XXXX XXXX, XXXX XXXX. 
CREDENCE XXXX XXXX, XXXX XXXX CREDENCE XXXX XXXX, XXXX XXXX CREDENCE XXXX XXXX, XXXX XXXX CREDENCE XXXX XXXX, XXXX XXXX  CREDENCE XXXX XXXX, XXXX XXXX  CREDENCE XXXX XXXX, XXXX XXXX CREDENCE XXXX XXXX, XXXX XXXX CREDENCE XXXX XXXX, XXXX XXXX  CREDENCE XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 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 — Investigation took more than 30 days
Company: DISCOVER BANK
State: IL

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
about 2 months ago i applied to get my credit report and I haven't received any respond from TransUnion

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 2021-02-15 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:
I initially sent a Method of Verification letter in XX/XX/2020 requesting for the company to provide me with a letter detailing how they verified this bankruptcy belong to me. By law credit bureaus have 15 days to respond to this request. The response didn't come until 42 days with the only response being " this information is accurate. '' However this is not what my request asked for. I then followed up in XX/XX/2020 requesting, a method of verification document for a second time. The response the same as the first. When I call and attempt to speak to someone about it in the dispute department I'm constantly put on hold and once some one gets back on the phone they just regurgitate what the person before them said. To date I have yet to be provided a method of verification. Due to this company neglecting to respond within the 15 day time period they were required by law and neglecting to provide me a method of verification document almost 90 day since the initial request, I demand this be removed from my credit 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 explanation
Consumer complaint received 2021-02-15 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I let them know I am rescinding my signature to the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 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: DISCOVER BANK
State: FL

Complaint narrative:
I let them know I am rescinding my signature to the contract.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-15 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:
I initially sent a Method of Verification letter in XX/XX/2020 requesting for the company to provide me with a letter detailing how they verified this bankruptcy belong to me. By law credit bureaus have 15 days to respond to this request. The response didn't come until 42 days with the only response being " this information is accurate. '' However this is not what my request asked for. I then followed up in XX/XX/2020 requesting, a method of verification document for a second time. The response the same as the first. When I call and attempt to speak to someone about it in the dispute department I'm constantly put on hold and once some one gets back on the phone they just regurgitate what the person before them said. To date I have yet to be provided a method of verification. Due to this company neglecting to respond within the 15 day time period they were required by law and neglecting to provide me a method of verification document almost 90 day since the initial request, I demand this be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I initially sent a Method of Verification letter in XX/XX/2020 requesting for the company to provide me with a letter detailing how they verified this bankruptcy belong to me. By law credit bureaus have 15 days to respond to this request. The response didn't come until 42 days with the only response being " this information is accurate. '' However this is not what my request asked for. I then followed up in XX/XX/2020 requesting, a method of verification document for a second time. The response the same as the first. When I call and attempt to speak to someone about it in the dispute department I'm constantly put on hold and once some one gets back on the phone they just regurgitate what the person before them said. To date I have yet to be provided a method of verification. Due to this company neglecting to respond within the 15 day time period they were required by law and neglecting to provide me a method of verification document almost 90 day since the initial request, I demand this be removed from my credit 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 explanation
Consumer complaint received 2021-02-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
On XX/XX/21in preparation to pay payment due for XX/XX/XXXX, I noticed my minimum balance was higher than normal. I send a secure message as I normally due asking for a breakdown or reason for the higher charge. I was directed to call customer service to discuss my account. Today,XX/XX/21- I contacted customer service XXXX to ask for a minimum balance breakdown. Stated my concern because I normally owe minimally {$32.00}. I spoke with a customer service representative who viewed my account and stated the amount was higher due to a Late fee assessed on the account of {$39.00}. I explained that I made a payment of {$75.00} that covered the late fee charged. She saw on my account the payment and went on to say that I still owe the {$66.00} minimum balance fee. I asked why because its not making sense to me. She said its that much because they have added interest that raises the minimum payment. I still did not understand because normally I've seen the interest payment assessed and still my minimum balance due was around {$32.00}. When I challenge her response she hung the phone up on me. This is unacceptable practices from the same credit card company. I was first told it was the late fee charge and then was told it was due to something else. So I'm not charged interest twice. Once that is added before my new statement is due {$18.00} and then another {$23.00}, for what? This is what's been explained to me. I understand interest being put on the unpaid balance. Doesn't the interest increase the balance? I feel like I'm being bullied into paying way more. What are the rules for when the account is closed? The will be not additional charges made to this account. Because the account is closed Citbank has the right to double charge me in interest and attach it to my minimum balance rather than the total of the outstanding balance? I'm confused and when I keep asking just so it makes sense to me and I can ensure I pay if nothing else the minimal ( only due to times are hard due to Covid-19 ) I get hung up on. Can not get a straight answer to what my minimum balance should be, I don't get a straight answer. I understand Citibank wants to be paid their money. I also ensure I pay, but I believe this treatment is not company policy and/or procedure. So, no matter how much the bill is my minimum will increase each month because of two interest fees? Something is not right and I need better explanation to what is happening with this account whether closed an/or opened.

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 2021-02-15 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 — Investigation took more than 30 days
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 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 — Investigation took more than 30 days
Company: CORELOGIC INC
State: IL

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

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 2021-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
about 2 months ago i requested my credit report and i haven't received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Applied Business Services, Inc.
State: NC

Complaint narrative:
I recently reviewed my consumer credit reports and noticed an account from Security Collections that I didn't recognize. On XX/XX/2021 I sent Security Collections a debt validation letter pursuant to 15 USC 1692g. I requested that they provide me with the requested information within 30 days. I have proof that the debt validation letter was delivered on XX/XX/2021. It has been over 30 days and I have not received any information validating this alleged account. Since I have not received this information I am demanding that Security Collections immediately zeroes this alleged account out and deletes this alleged account from all consumer credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
My complaint is regarding Syncb Bank for Jcpenny and Walmart. I have tried numerous times to resolve this debt with Syncb bank to either settle this out with them or pay this off. They have refused to accept any money for these accounts due to them stating they have sent me a 1099. I have requested for the 1099 to be resent to me because it was sent to another address which I do not live at. They refuse to accept any payment from me. I find this to be crazy that a financial institution refusing to accept payment for any account. 

Attempted on XX/XX/2021,XX/XX/21 and XX/XX/21to resolve this outstanding debt. 

JCPenny Account Number XXXX {$2200.00} Walmart Account Number XXXX {$1100.00} Please assist me with this issue

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