vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: MI

Complaint narrative:
I was checking my credit report and their was a negative item from a security credit services which purchased the debt from a company called XXXX XXXX. I have never applied for credit with either of these companies the debt is not mine they state that a payment was made XX/XX/XXXX I can submit my bank statement for that month to prove that was not  me furthermore I was not sent any bills or contacted by either company at any given time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Army and Air Force Exchange Service
State: FL

Complaint narrative:
I had an AAFES Military Star card from XX/XX/XXXX. I was late on time on a payment in XXXX XXXX. At this time, I paid in full and closed the account. I recently put in a disupute to have this removed from my credit report. Instead of removing it they updated the information to reflect as it this happened in XXXX, XXXX and XXXX. This has caused my score to decrease and I want this fixed immediately. This account was late once in XXXX. It was paid in full and closed in XX/XX/XXXX and I would like that reflect 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 2020-05-16 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: OH

Complaint narrative:
This is the 5th time I had complained about fraudulent negative account on my credit report. The following account has bee deleted and sold several time and NO VERIFICATION has EVER BEEN PROVIDED. I HAVE NO CHOICE AT THIS POINT. PLEASE ADVISED XXXX XXXX, DEBT RECOVERY SOLUTIONS THAT THIS IS MY FINAL NOTICE BEFORE I FILE A LAW SUIT AGAINST BOTH 3RD PARTY COLLECTION AGENCIES. I HAVE DISPUTED THESE ACCOUNTS BEFORE WITH NO RESPONSE IN THE PREVIOUS COMPLAINT. This is a request for proof of contract, to substantiate your claim. Therefore, provide me a certified copy of the original contract, with my signature, specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public who duly swear the copy made is in fact a copy of the original paper contract in question.

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 2020-05-16 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: DISCOVER BANK
State: VA

Complaint narrative:
By my estimation, 99 % of my debts were paid off in XXXX, yet XXXX is reporting a low FICO score for me of only XXXX because it says that I am using 69 % of my available credit. I am using probably less than 1 % of my available credit due to having paid all of my debts off in XXXX with a divorce settlement. I need my FICO score to be higher so that I can get a better mortgage loan to buy a condo. My home of 33 years was recently sold, so I am " homeless '', so to speak. This is a very important issue for me as a single woman. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 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: PREFERRED CREDIT INC
State: TX

Complaint narrative:
The account with Preferred Credit was settled for less than full amount recenty for around {$110.00}. The company made a settlement offer to consider the account paid and closed. The payment was sent on XX/XX/2020 and cleared my bank. As of XX/XX/2020, the company reported the remaining balance is still due and failed to update all 3 bureaus. Requesting immediate update to all bureaus and account closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: TX

Complaint narrative:
For over the last two years, I have been in a dispute with ATT and their collection agencies. They have charged me for past due balances that were never due. In fact, I continued to keep service with them. I have attempted to resolve this issue with them but they insist on sending various amounts to various different collection agencies. I believe separate accounts we set up during my transitions between residences. Due to XXXX rules, XXXX had to create different accounts rather than roll them over.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I have cancelled my spirit airlines credit card twice in the last year and thought it was officially closed the second time I contacted them. They have their card through Bank of America and this year I find that I was once again charged a yearly card fee. Contacted them AGAIN to state this account was already closed and they left it open. I have disputed it two more times and they finally closed the account on their end on XX/XX/20 but have left a {$62.00} balance on there while also reporting this to my credit report which has now caused my score to drop almost 100 points! 

I have also reported them to the XXXX  and found out I am not the only customer to have had this issue with them. I should not have to pay for a mistake on their part, which was not closing the acct on their end the first two times I cancelled it. On top of that they have messed up my credit score going from about XXXX to 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 explanation
Consumer complaint received 2020-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Netspend Corporation
State: MA

Complaint narrative:
I was locked out of my account by Netspend after one try to login online and check my balance because my card was being declined after trying to make purchases. I found out that netspend put a lock on my account after I added my last XXXX to the card. After getting in touch with an customer service representative they asked me to email my id, social security card and a proof of address which I really didnt want to do because I dont know how they handle such sensitive information yet I sent it and at first they declined and said I needed to send another photo of the social security card because at this point they are bullying me and being irritating.The photo of the card was visible and a tiny little corner was cut off and barely noticeable. The name or number was clearly visible and not cut off in any way. So I sent another photo of it and Im being ignored now. They are giving me a very hard time to access the money no matter what and they know its me trying to access the account because I sent in everything they asked. Even after I told them someone is sick in my house and I need to access the money they are ignoring my request. It feels like Im applying for a huge loan from them or some sort because I have to jump through so many hoops to access my money. I have XXXX children and this is putting us in a hardship during this covid crisis. Im wondering how long this is going to go on and what they will ask for next.I would like to request help if possible.Thank you.

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 2020-05-16 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: GA

Complaint narrative:
XXXX  did not properly investigate my credit disputes. I sent them all the required documentation, see documents that I sent to them attached. The letter they sent out to me requested all the same information that I had emailed them with my request. The packet that I uploaded here is exactly what I sent to them. They are requesting duplicate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BYL Collection Services
State: NV

Complaint narrative:
This is another account, XX/XX/2020, that I informed the bureaus I wasn't so sure about belonging to me. The address associated with the account, isn't my address. I then called the company, " XXXX XXXX '' in XXXX, and they stated all communications must be done with " BYL COLLECTION SERVIC '' in regards to the account in question. I sent another dispute in XXXX to the bureaus, which returned " verified as accurate ''. I need to see the contract ( that was all I asked for the second round ) of the account they're referring to, because I am in the same location as I've been in for years. My last phone call with XXXX XXXX was XX/XX/XXXX and they stood firm that " Any and all documentation in regards to the account was now in " BYL COLLECTION SERVIC '' possession.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I have cancelled my spirit airlines credit card twice in the last year and thought it was officially closed the second time I contacted them. They have their card through Bank of America and this year I find that I was once again charged a yearly card fee. Contacted them AGAIN to state this account was already closed and they left it open. I have disputed it two more times and they finally closed the account on their end on XX/XX/20 but have left a {$62.00} balance on there while also reporting this to my credit report which has now caused my score to drop almost 100 points! 

I have also reported them to the XXXX  and found out I am not the only customer to have had this issue with them. I should not have to pay for a mistake on their part, which was not closing the acct on their end the first two times I cancelled it. On top of that they have messed up my credit score going from about XXXX to 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 monetary relief
Consumer complaint received 2020-05-16 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: OH

Complaint narrative:
There were two dismissed Bankruptcies that were on my credit report that I have disputed to be removed according to the Fair Credit Reporting Act, Section 1681 ( a ) ( 5 ). TransUnion has removed one of the dismissed Bankruptcies, ( XX/XX/2020 ) but has failed to remove the other. The Bankruptcy that needs to be removed is docket number XXXX. I don't understand why they removed one and not the other when in fact there is no difference.

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 2020-05-16 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: OH

Complaint narrative:
I had a debt consolidation company pay in full my balance ending XXXX of 2020 of my XXXX account. 
It still shows a balance of {$1400.00}. 
I have a letter from them saying it is paid in full.

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 2020-05-16 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: MA

Complaint narrative:
Hi, I saw 30 days late remarks on my credit report that I think is not possible, I pay on time.. Unless the bill did not arrived and I did not received it. Please help me remove this late remarks. 
BK OF AMER XX/XX/2020 XX/XX/2020

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 2020-05-16 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: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
Credit Acceptance closde this account in XX/XX/2016 they are reporting a late payment every month since then, they are also reporting a monthly payment of $ XXXX  monthly on my XXXX  on a closed account. As well as the high balance is reporting {$10000.00} but the account balances over {$17000.00}. How is that possible?? all of this is incorrect information and they will not change it I have disputed this account numerous of times. The company hasn't done anything to update the incorrect information.

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 2020-05-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
On Friday XX/XX/2020 at approximately XXXX, I had left my 2 way radio at the bank worth close to {$500.00} to establish a safe deposit box. 

I was told the bank was closing, so just left it there to resolve the issue in the morning. 

I noticed a man outside the bank on his cellular phone wearing a black suit. 

I had reported the man to the bank corporate office for releasing personal information outside the bank. 

I returned to the Bank on Saturday XX/XX/2020 and the female teller indicated that my personal information was released to the Sheriffs Department and my two way radio was given to them. 

I was asked why I had wanted a safe deposit box, and I had indicated because my Grandfather used to Bank at the Bank years ago. I was only aware that this location had a Safe Deposit Box. 

I did not give anyone permission to release my property, nor personal identifiable information to the public. 

I had asked the teller if she could get it back from law enforcement for me, but she refused to help. 

I asked for the managers card. 

The managers card indicates his name is XXXX XXXX with a NMLS : XXXX I am very concerned that this bank may be releasing information about other wearily families like mine to the public. Especially if this Bank is outside the bank talking on a cellular phone and showing property that is supposed to be in a safe deposit box. 

I know a guy named XXXX XXXX who is a XXXX XXXX and he has an account at this bank too. 

It would be good to find out if us wealthy people are getting our accounts compromised by this Bank, because this bank even lets people open accounts, that do drug activities. 

I ask that you please inform this bank on all the laws a financial institution is supposed to follow and get my equipment back to me, instead of compelling me to go to the Sheriffs department myself. 

This is completely incompetence and illegal on the banks behalf. Whoever is responsible for this branch should be terminated for these types of practices.

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 2020-05-16 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: PA

Complaint narrative:
On XX/XX/2019 tried logging into my account to pay bills and it said my account was locked and contact number on back of the card XXXX I have been on phone on 2 different occasions for over 1 hour first call now over an hour and 22 minutes still no answer to have my card unlocked so I have no access to use my money while account is locked the card is with US Bank

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 2020-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
The company is reporting incorrect information on my credit report and refuses to remove it, even though it is demonstrably incorrect. Specifically, the company is reporting that I made one late payment in XX/XX/XXXX. This payment was not late. In XX/XX/XXXX, I requested that the company opt me into automatic payments and that the company provide a credit interest refund to my account. The company provided the credit interest refund. They confirmed via phone during this conversation that the automatic payments were indeed set up, but I later found out that they were not.

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 2020-05-16 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), EXPERIAN is required to respond to a consumers and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed. EXPERIAN has violated the FCRA and did not respond within 30 days.

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 2020-05-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have a auto lease with XXXX XXXX XXXX XXXX XXXX. Due to Covid 19 Pandemic I was adversally affected financially and contacted XXXX XXXX who agreed to a 3 month deferral of monthly payments and would NOT report that my account was delinquent or charge late fee. This is confirmed in writing. Notwithstanding agreement, XXXX reported to all credit bureau agencies that my account was delinquent in violation of the agreement and the CARES Act.

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 2020-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have a auto lease with XXXX XXXX XXXX XXXX XXXX. Due to Covid 19 Pandemic I was adversally affected financially and contacted XXXX XXXX who agreed to a 3 month deferral of monthly payments and would NOT report that my account was delinquent or charge late fee. This is confirmed in writing. Notwithstanding agreement, XXXX reported to all credit bureau agencies that my account was delinquent in violation of the agreement and the CARES Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 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: GA

Complaint narrative:
Equifax did not properly investigate my credit disputes. I sent them all the required documentation, see documents that I sent to them attached. The letter they sent out to me requested all the same information that I had emailed them with my request. The packet that I uploaded here is exactly what I sent to them. They are requesting duplicate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 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: NC

Complaint narrative:
According to federal credit law spelled out in the Fair Credit Reporting Act XXXX FCRA XXXX, TRANSUNION is required to respond to consumers and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed. TRANSUNION has violated the FCRA and did not respond within 30 days.

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