vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: FL

Complaint narrative:
See letter attached. I am also unable to forward this response per USPS postal agent yesterday. po box and zip code FL XXXX combination is incorrect. The postal agent refused processing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
I was with Bank of America for my mortgage. I was in a forebearance plan that ended XX/XX/2021 and I made my first payment on XX/XX/2021. I was then told I missed the deadline on the forbearance. I never received a phone call or letter stating that deadline. I worked with a woman at the bank who assured me she was putting me in a XXXX XXXX flex modification because of the bank error. She instructed me to decline any repayment option the bank offered so I could get this modification. She had her manager opt me out of them .XXXX  XXXX they notify me that my loan is being sent to a new servicer XXXX XXXX XXXX. 
This new servicer only sees that I opted out of the offers and refused to work with me on any other options to keep my home. Bank of America dropped the ball and now I'm at risk of foreclosure because of it. They should be responsible to complete what was started before the transfer or delayed the transfer until my loan situation was resolved. This had caused me extreme hardship.

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 2022-04-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS

Complaint narrative:
XX/XX/XXXX until present XXXX XXXX passed in XXXX required that all credit applications be considered on the basis of their actual qualifications for credit and not certain personal characteristics. I feel that I was provided inferior service because I filed bankruptcy in my past. I am aware that none of the statues or laws guarantees that I would be extended credit but they do exist to protect me from certain discriminatory practices that can cause me to be even denied an opportunity to even receive a proper consideration. I feel that I was discriminated not only because I have the bankruptcy but because I am also an XXXX XXXX ( the lender knew this because my picture is on my email profile when emails are being sent back and forth ) female. My application was dragged on an on for almost two months. I sent follow up emails to which many went unanswered. At one point I even requested to be transferred to a different loan officer that perhaps specialized in dealing with getting manual underwriting approval and was met with a ego. After being given the run around for over 45 days I was told I should try another lender. I also, called and spoke with her manager and never received a return call as promised. Now Interest rates have shot up and I will end up having to pay more that I expected to pay.

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 2022-04-05 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: National Credit Systems,Inc.
State: FL

Complaint narrative:
I have an unauthorized user on my credit that I never authorized. I believe its fraud and Ill like to get it removed. The amount is {XXXX} and the company name and address is NATIONAL CREDIT SYSTEMS Address : XXXX XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nelnet, Inc.
State: IN

Complaint narrative:
On XX/XX/XXXX, I received an email notifying me of the debt. On XX/XX/XXXX, I asked for more information and debt validation. A few emails went back and forth, I got a few phone calls during times in which I could not answer. I sent a letter following up that I would like more information and debt validation. I received a letter back asking for information that is not required for debt validation. I received another email on XX/XX/XXXX asking me to call in regards to the debt, I responded to this email reminding them that I asked for debt validation in XXXX and attached the letter I sent which requested them to stop contacting me if it wasn't in reference to the debt validation and to remove everything from my credit history as the debt is being disputed. I never got a response. They are still reporting on my credit history, they have not provided anything to validate the debt, and if this is not fixed by the end of the month, I will be contacting an attorney to sue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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: FL

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the Equifax breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the Equifax breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
I purchased XXXX Am Ex gift cards each worth {$500.00} ( total of {$2000.00} ) on XX/XX/XXXX at XXXX. At XXXX XXXX on XX/XX/XXXX I called Am Ex Gift card customer service to report that I had reason to believe the cards would be used fraudulently. The agent told me he would put all of the cards on hold. He also said there was some activity on the card earlier in the day. He told me to call back in a week and that I would be reimbursed for the full value of the cards once they had cleared all of the transactions.. 
When I called Am Exp gift card customer service on XX/XX/XXXX the agent told me all of the cards were spent and that I could not be reimbursed despite the fact that I had reported fraud and there was a hold on the cards. The agent told me that the first agent should have explained that holds are only internal and Am Exp does not notify merchants. She also told me that the first agent should have given me the name of the merchant where the transactions had occurred. The agent told me that on XX/XX/XXXX Am Exp for the transactions on the gift cards despite the acknowledgement from the agent that there was a hold on all of the cards. 
On XX/XX/XXXX, Am Exp gift card customer service gave me all the transaction numbers and told that the purchases were made at one XXXX XXXX in XXXX XXXX. The agent advised me to call XXXX. I spoke with the XXXX XXXX manager who referred me to XXXX Customer Service. XXXX said it would do nothing to investigate and had already been fully paid. The XXXX XXXX manager had all of the transaction information about how, who and the address of the purchasers but would not release it to me. 
Am Exp gift card services would not investigate the fraud.. I called Am Exp corporate offices and the person who answered the phone told me there was no one who could help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have an unauthorized user on my credit that I never authorized. I believe its fraud and Ill like to get it removed. The amount is {XXXX} and the company name and address is XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, GA 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 2022-04-05 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: FL

Complaint narrative:
I have an unauthorized user on my credit that I never authorized. I believe its fraud and Ill like to get it removed. The amount is XXXX and the company name and address is XXXX XXXX XXXX  Address : XXXX XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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: CA

Complaint narrative:
I AM A NATURAL PERSON & CONSUMER FILING THIS COMPLAINT. 
DO NOT CLOSE THIS COMPLAINT STATING THIS IS NOT ME! 

The tradeline being reported has a derogatory rating which has caused me serious financial and emotional distress. This has caused defamation to my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics. 

In order to rectify this situation and ensure my rights have not been violated in any way, I have sent multiple letters and complaints challenging the completeness, accuracy and integrity of the information XXXX XXXX is furnishing. 

LIST OF INACCURACIES FOUND ON XXXX XXXX CREDIT REPORT : ACCOUNT # ACCOUNT TYPE ACCOUNT STATUS DATE OPENED HIGH CREDIT CREDIT LIMIT LAST REPORTED DATE LAST ACTIVE DATE OF LAST PAYMENT PAYMENT HISTORY XXXXXXXX XXXX was required to notify me later than 5 days before furnishing the negative information to the consumer reporting agencies, in writing that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I never received documentation that XXXX XXXX complied with this requirement.

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 2022-04-05 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: CA

Complaint narrative:
I AM A NATURAL PERSON & CONSUMER FILING THIS COMPLAINT. 
DO NOT CLOSE THIS COMPLAINT STATING THIS IS NOT ME! 

The tradeline being reported has a derogatory rating which has caused me serious financial and emotional distress. This has caused defamation to my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics. 

In order to rectify this situation and ensure my rights have not been violated in any way, I have sent multiple letters and complaints challenging the completeness, accuracy and integrity of the information XXXX XXXX  is furnishing. 

LIST OF INACCURACIES FOUND ON XXXX XXXX CREDIT REPORT : ACCOUNT # ACCOUNT TYPE ACCOUNT STATUS DATE OPENED HIGH CREDIT CREDIT LIMIT LAST REPORTED DATE LAST ACTIVE DATE OF LAST PAYMENT PAYMENT HISTORY XXXX XXXX was required to notify me later than 5 days before furnishing the negative information to the consumer reporting agencies, in writing that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I never received documentation that XXXX XXXX  complied with this requirement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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: CA

Complaint narrative:
I AM A NATURAL PERSON & CONSUMER FILING THIS COMPLAINT. 
DO NOT CLOSE THIS COMPLAINT STATING THIS IS NOT ME! 

The tradeline being reported has a derogatory rating which has caused me serious financial and emotional distress. This has caused defamation to my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics. 

In order to rectify this situation and ensure my rights have not been violated in any way, I have sent multiple letters and complaints challenging the completeness, accuracy and integrity of the information XXXX XXXX is furnishing. 

LIST OF INACCURACIES FOUND ON XXXX XXXX CREDIT REPORT : ACCOUNT # ACCOUNT TYPE ACCOUNT STATUS DATE OPENED HIGH CREDIT CREDIT LIMIT LAST REPORTED DATE LAST ACTIVE DATE OF LAST PAYMENT PAYMENT HISTORY XXXX XXXX was required to notify me later than 5 days before furnishing the negative information to the consumer reporting agencies, in writing that such furnishing of information was going to take plaXXXX This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I never received documentation that XXXX XXXX complied with this requirement.

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 2022-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group
State: TX

Complaint narrative:
I received a collection letter from XXXX XXXX XXXX stating a debt to Velocity Investments , LLC in the amount of {XXXX}, dated XX/XX/1996. My correspondence to them was, on a form that they provided, that I did not owe this debt and have no knowledge of this debt or Velocity Investments , LLC. XXXX insist that I provide them with Affidavits, Police reports that include my SSN, Drivers License DOB and Addresses. This debt appears to be 26 years old and uncollectible after 7 years from the date of the last payment. It was suggested to file a complaint with ( CFPB ) Consumer Financial Protection Bureau and Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I AM A NATURAL PERSON & CONSUMER FILING THIS COMPLAINT. 
DO NOT CLOSE THIS COMPLAINT STATING THIS IS NOT ME! 

The tradeline being reported has a derogatory rating which has caused me serious financial and emotional distress. This has caused defamation to my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics. 

In order to rectify this situation and ensure my rights have not been violated in any way, I have sent multiple letters and complaints challenging the completeness, accuracy and integrity of the information XXXX is furnishing.

LIST OF INACCURACIES FOUND ON XXXX XXXX CREDIT REPORT : ACCOUNT # ACCOUNT TYPE ACCOUNT STATUS DATE OPENED HIGH CREDIT CREDIT LIMIT LAST REPORTED DATE LAST ACTIVE DATE OF LAST PAYMENT PAYMENT HISTORY XXXX was required to notify me later than 5 days before furnishing the negative information to the consumer reporting agencies, in writing that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I never received documentation that XXXX complied with this requirement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Comenity bank good XXXX rewards card. I was on a 6 month promotion with no interest however as I paid the payments the amount was applied to my new balance not my old amount first leaving a {$24.00} balance after my last payment to still charge me the interest that was on the 0 interest paid in 6 months. Im an accountant and all revivable pays are applied to the oldest balance. I called the company on XX/XX/22 to have the payment correctly charged to complete my promotion and asked for a supervisor and was hung up on by the service representative named XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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: MI

Complaint narrative:
I have disputed XXXX XXXX XXXX, account number XXXX on XXXX XXXX, XXXX and XXXX. 

This furnisher is not forthcoming with actual legitimate verification. 

This furnished information is inaccurate and can not be substantiated. 

This account still remains on 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 2022-04-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I opened a secured card with Citibank with a {$200.00} deposit ( therefore, a {$200.00} limit. ) I set up auto-pay in their app to pay the full balance on the first of every month. For XXXX bill ( due XX/XX/XXXX ) I paid a custom amount of {$75.00}, other than that, I have had it set for pay full balance. 

XX/XX/XXXX both Citibank and XXXX ( my checking/savings account ) notified me that my payment had posted. 

XX/XX/XXXX I go to use the card on my lunch break, card is declined. I check online, says I have a balance of XXXX dollars but also a credit limit of XXXX dollars. Again, it is a secured card, so with no balance I should have my full credit limit of {$200.00} which is MY money, Im just letting them hold it. I reach out to a rep, but get a bot. The bot is not helpful but assured me that a live rep will be there shortly. I need to go back to work, so I detail a message to the rep, Hello, I am curious as to why I have a balance of XXXX and yet a limit of XXXX on a secured card. The payment posted at XXXX XXXX and it is XXXX on XXXX, I would like this resolved immediately OR I would like the account closed and my deposit refunded into my checking account immediately. These are our only two options moving forward. 

XXXX No response, no resolution. 

XXXX No response, no resolution, so I reach out again. After going a few rounds with the bot, I reach XXXX. She informs me that my payment was suspicious so they froze my account and it will be unfrozen on XX/XX/XXXX. I tell her that this is unacceptable, that the payment is from the checking account used to set up the CC account and it is the same account that every auto-payment has come from. I am told the payment was too high so it was suspicious, and again, all I did was click the option ON THEIR APP that allows one to pay the full balance. I tell XXXX that it appears that they are punishing me for paying the full balance and want me to accrue interest, and that I consider them withholding my own money from me to be theft. I then said it appears my only option is to close the account and to receive my deposit ASAP. She says she understands, but I wont get the deposit until XX/XX/XXXX as well. I closed the account but I am furious. I opened this account to rebuild my credit after Covid destroyed me financially, and now I have no credit card and I am out {$200.00} because I have zero faith they will actually pay it back after reading countless complaints and horror stories from other consumers who were ripped off by Citibank.

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 2022-04-05 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: TX

Complaint narrative:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.

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 2022-04-05 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: TX

Complaint narrative:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.

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