vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/24 I placed an order with XXXX XXXX and paid with my debit card Bank of America amount of XXXX Long story short the company had a large sale but website was not working properly. I contacted customer service via chat to inquire when it will work and was told to check later. I checked next day and still unable to place order. I contacted chat and asked if they can place order for me so I can take advantage of the sale. They confirmed my address and other info including what I wanted ordered and then asked me to click a link to pay. When I did that chat timed out but transaction went through so I thought the purchase was made. I received no confirmation email so I contacted chat for the second time this time I was told the confirmation email takes some time and to keep waiting. After several hours no email. I contacted chat the third time and asked to check on my order. At this point this is the third time someone has checked my name, order number and asked me to confirm my address. She said the order was not finalized and she needed to click XXXX more button which she did. After an all day endeavor I finally go this done. 

Turns out even after giving XXXX XXXX my address and then them confirming it XXXX  times they still sent the purchase to a wrong address which what my old address from my account with them. When I noticed this some days later I contacted chat and asked them to redo my order but they refused asking me to keep waiting to see if the order shows up even though I had post office delivery conformation to a wrong address in XXXX and I am in XXXX. Additionally I noticed they sent me wrong merchandise but thats besides the point. 

I went back to bank of america to dispute the transaction because the merchant was not willing to help. They took 2 months conducting an investigation and are now declining my claim. In the declination notice they sent me the only evidence the merchant has sent them is a positive delivery ( TO A WRONG ADDRESS CAUSED BY THEIR MISTAKE ) and their return policy. As mentioned before in the chat I was asked several times for my address and provided the correct XXXX yet their employees chose to send my purchase to address listed on account which was not updated. I don't see why this is my fault and so I never received this merchandise and actually placed a separate order again much later to replace missing items. I want the money back for order I did not receive since bank of america did not do proper investigation into merchant and is now denying my claim to stop payment and reverse transaction.

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 2024-02-27 00:00:00
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Debt Recovery Solutions, LLC
State: AL

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have XXXX business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} XXXX - XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: UT

Complaint narrative:
Phoenix Financial Services is claiming that they are collecting debt in the amount of {$2800.00} for XXXX XXXX XXXX. They claim that the original creditor is XXXX XXXX XXXX and that I incurred this debt on XX/XX/year>. I have never heard of XXXX XXXX XXXX and after some research, I have learned that this company offers medical transportation services such as ambulance or medical helicopter services. Not I nor any member of my family has ever ridden in an ambulance or medical helicopter. Additionally, neither myself or any member of my family had any medical incident of any degree at the date of service. I have been contacted via mail by Phoenix Financial Services at least XXXX times over the last year for this same debt. I am nervous about the legitimacy of this company and why they are seeking money from me for a debt that I never incurred.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understand that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX Account # 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 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understand that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX Account # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
We had financial hardships this passed XXXX and started the deferment procedures through Carrington mortgage themselves. Every time we sent in every document they asked for they kept saying it was incomplete. During this last time we called and they told us that the house is foreclosed and hey were going to sell it in XXXX. When they told us we could reinstate the dates on the reinstatement said XX/XX/XXXX. So now we have a week to come up with an unrealistic amount of money to keep our home and my wife is currently XXXX XXXX XXXX with our XXXX child and high risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: Army and Air Force Exchange Service
State: CA

Complaint narrative:
Military Star Card- {$3400.00}, in this account the last payment was done on XX/XX/year>, for {$100.00}, 2023. I spoke to a representative on XX/XX/year>, regarding making payments to my account. My account was sent out to collections the next month, and legally was not given the proper notice to make payments and have sent my account out to collections. In addition, I provided my new address which is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX as of XX/XX/year>. I spoke to the collection agency on XX/XX/year>, they have requested a Military Start Card History payment to the collection agency and for my records, no documentation has been provided. 

In addition, I tried to make payment when it was in-house in the collection department, and they said it was too late within 1 month it was sent to a third-party collection agency. Payments had been made for those XXXXwo prior months. I do understand how legally my account was sent out to collection within the next month after payment. They were by any means trying to help me keep it inhouse and I spoke to 2 of their associates at the Military Star Card Collection department.

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 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have contacted all three credit bureaus regarding these XXXX fraudulent account, ( XXXX XXXX XXXX and XXXX XXXX ) and I have not yet to receive an response from any of the credit bureaus of the status of their investigation or results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have contacted all three credit bureaus regarding these XXXX fraudulent account, ( XXXX XXXX XXXX and XXXX XXXX ) and I have not yet to receive an response from any of the credit bureaus of the status of their investigation or 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 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 non-monetary relief
Consumer complaint received 2024-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: AZ

Complaint narrative:
Since XX/XX/XXXX I've contacted them no less 10 times to get information as to why my account is suddenly locked, just days before my tax refund is scheduled to be delivered. I've been told the same thing every time, that they don't have access to the information and that a higher team is investigating it, and to wait for an email to follow up with instructions and information. I've not received any information from them, and feel it is extremely poor customer service. To have no access to my funds and no answer to what is happening is infuriating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On XX/XX/2023 I purchased a product at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, and I applied a Kay XXXX  Credit Card to purchase the product at the cost of {$1400.00} in the store. The sales associate told me that the credit card payment will be no interest charge. And I believed and was not aware of the no interest charge period. After 12 months, and I see there is an accumulated interest charge on the credit card statement, and I inquired the credit card company said the interest is accumulated at once at the time of 12 months after the first day purchase. And I was totally not aware of the promotion terms, and purchased the product by incomplete or inaccurate disclosure of credit card term.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
Please remove wrong name, wrong address, and third party collection that I don't recall signing up for.Thk you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: WA

Complaint narrative:
So I didn't start worrying about credit until I was in my middle XXXX. I'm currently XXXX XXXX XXXX and when I turned XXXX I wanted to open a business and it was a difficult for me to get funding due to the fact I was told my credit report was bad and had a lot of negative items on them. So I started learning about my credit report and I noticed that I never had the credit cards or vehicles or phones or loans that were showing up on this report. So I kept studying and learning about the laws regarding credit reports and how to get these things off so I can establish some sort of credit. I found out the charge offs were the worst and I had XXXX of them XXXX with Chrysler Capital that started in 2013. I watch XXXX videos and also read a lot so I couldn't afford to have somebody do this for me so I started getting these items off my report myself and I filed reports with the identity theft.gov Federal trade commission I've made police reports and most of the stuff has been removed but this charge off has been very difficult with Chrysler Capital and XXXX XXXX. I've taken the necessary steps and their stonewalling me. I might need these items off my report so I can move on with my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2024-02-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
This is my second attempt to remove these accounts and inquiries from my report which is causing me defamation. I asked to have my inquiries removed the company responded that they would have to remain on my report for at least 2 years. I am now requesting for the company to prove to me that there is an open account tied to XXXX XXXX XXXX AND ALSO XXXX XXXXXXXX XXXX XXXXXXXX. I can express more about the laws from 15 USC 1681 Permissible purposes ( to get these cleared off ). 

Accounts : XXXX XXXX XXXX for {$630.00} and also another for {$600.00}. 
XXXX XXXX XXXX  for {$6100.00}. 

I have explained that the debt has been sold over to a third-party debt collector which means it is now considered a certificate of indebtedness. Which goes along with the 1099c cancellation of a debt. certificate of indebtedness is income that must be removed. 

I've also sent an opt-out notice, 16 CFR 313.7 form of opt-out notice. I am opting out of any authorization I may have given you written unwritten verbal or nonverbal. I would also like to highlight the importance of The Privacy Act of 1974!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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