vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
This item : XXXX ( student loan debt ) is inaccurate because Ive sent them a letter from the address provided on my credit report and it came back returned to sender. I am requesting that the item be removed according to the FCRA. Enclosed are copies of the documentation supporting my position.

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 2020-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: MI

Complaint narrative:
Ive received a letter of deletion and this company continues to resubmit this debt that Ive never owed, damaging my credit for the fourth time, this is very exhausting especially in the middle of closing on a house during a worldwide pandemic, which Ive stated before in the beginning of my home buying process months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
My Bank of America checking account ( checking # : XXXX XXXX XXXX ) was closed without any notice and any explanation. I called the customer service several times and asked why and they told me no reason for this closure just because some term of agreement notes the bank can close the checking without any reason ( case XXXX # : XXXX ). That's annoying but that's Ok. 

However, they first told me they will refund the remaining balance ( {$1500.00} ) to me soon but later When I called again because I never received the refund, they told me it's need reviewing and then can be refund to me and let me wait. So I waited as they instructed me and called again and again, they always told me still in review and ask me to call again after several days or one week. It's almost 2 months past since XX/XX/2020 but still no any proceeding about that. that's crazy thing. 

As we all know, most people are facing financial despair in such difficult and hard time with COVID-19 with recent Minnesota cutdown again for 4 weeks. This money was come from deposit of my husband 's unemployment pandemic Assistance ( $ XXXX/week ) and my partial bi-weekly payroll. it's definitely and completely legal. however, those fund in my checking account was frozen by the bank and without any reason for closure and now the bank are just keeping my money in their hand with just excuse of reviewing. I just need my money back to help me in such crazy and despaired condition. That's ridiculous and unreasonable to alway keep me money with limitless period time 's review. I am crazy waiting for too long time and still not know when to get back my money to maintain my life. 

So, please just quicken processing to finish your review and return my money ASAP!! I need my fund to support my family living, including my XXXX-year-old daughter.

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 2020-11-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
1. On approximately XX/XX/2020, Complainant owed Citi Card {$4400.00}. Exhibit " A ''. 2. On approximately XX/XX/2020, XXXX paid Citi XXXX $ XXXX " B ''. 3. Leaving a current balance of {$2400.00}. Exhibits " A '' - '' B ''. 4. Total end activity between XX/XX/2020 - XX/XX/2020, equal {$470.00}. Exhibit " C ''. 5. Ending with a last statement balance of {$2800.00}. Exhibits " A '' - '' B ''. 6. Citi card felt the need to state falsely that a last statement balance : {$3300.00}. Exhibit " C ''. 7. Citi card added the total XX/XX/2020 - XX/XX/2020, equal {$470.00}. Exhibit " C ''. 8. Citi card falsely cooked the books, to reflect that the Complainant now owed {$3700.00}. Ex. " C ''. 9. When in reality the Complainant only owe {$2800.00}. Exhibits " A '' - '' B ''. 
Citi has fail at all times herein, to directly address the issues, but talks around said 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
Consumer complaint received 2020-11-25 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: AL

Complaint narrative:
Attached are letters regarding inaccurate and unknown items on my credit report. Its been over 60 days and I still have not received notice or a response regarding this matter. There is no way that any of those items listed were considered verified or accurate ; when each item displayed inaccurate information across each bureau. I demand proof or immediate deletions after this complaint as for you are in several violation of the FCRA act. I feel like I am being taken advantage of and will seek legal counseling for punitive damages if this matter is not handled accordingly

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 2020-11-25 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: AL

Complaint narrative:
Attached are letters regarding inaccurate and unknown items on my credit report. Its been over 60 days and I still have not received notice or a response regarding this matter. There is no way that any of those items listed were considered verified or accurate ; when each item displayed inaccurate information across each bureau. I demand proof or immediate deletions after this complaint as for you are in several violation of the FCRA act. I feel like I am being taken advantage of and will seek legal counseling for punitive damages if this matter is not handled accordingly

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 2020-11-25 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: FL

Complaint narrative:
While studying my report I have come across a number of mistakes and inaccuracies that the credit bureau, XXXX, Equifax, and XXXX, are reporting. I have disputed the unverified discrepancies on my credit report, with all three credit bureaus, XXXX, Equifax, and XXXX, multiple times and have not received any proof of a copy of any original documentation, a consumer contract with my signature on it, and the original creditors documentation on file to verify that this information is mine and is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 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: FL

Complaint narrative:
While studying my report I have come across a number of mistakes and inaccuracies that the credit bureau, Experian, XXXX, and XXXX, are reporting. I have disputed the unverified discrepancies on my credit report, with all three credit bureaus, Experian, XXXX, and XXXX, multiple times and have not received any proof of a copy of any original documentation, a consumer contract with my signature on it, and the original creditors documentation on file to verify that this information is mine and is correct.

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 2020-11-25 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
On XXXX. XXXX, 2019, BARCLAYS BANK DELAWARE add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2019, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2019, XXXX add a hard inquiry on my credit report per 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 2020-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Chime Financial Inc
State: NV

Complaint narrative:
I signed up for a chime account with referral code https : //www.chime.com/r/thaotran2/ which offered me {$75.00} if I complete a direct deposit of {$200.00} within 45 days of account opening. I did not receive any confirmation of my enrollment in this promotion upon sign up. I requested Chime confirm the promotion is on my account as advertised and will be fulfilled upon completion of the terms. I contacted Chime by email and phone and so far, Chime has not confirmed my enrollment. I have not received a reply by email as of yet. The first level phone support agent I spoke to said the bonus was not applied to my account despite me signing up through the link. I have not received confirmation in writing that it will be honored or that the technical error has been fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Bureaus, Inc.
State: GA

Complaint narrative:
CFPB Complaint : XX/XX/2020 This complaint is in regards to a Credit Card Debt Collection. The collection agency is identified as The Bureaus, formally known as The Bureaus Inc. I am the sole individual involved in this matter. 
On XX/XX/2020, I sent a certified letter asking for debt validation to 'The Bureaus Inc ' to their specified address online : XXXX XXXX XXXX XXXX XXXX IL XXXX. On XX/XX/2020, I was informed via USPS tracking that the letter was not deliverable and also unable to forward. After some extensive research, I was finally able to locate a second possible address for The Bureaus, who no longer identified themselves as The Bureaus Inc. 
On XX/XX/2020, I proceeded to resend my certified letter to The Bureaus at address : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX. As stated in my debt validation request, I am allowing the company 30 days to respond. In actuality, I allowed more than 30 days for the company to respond. 
On XX/XX/2020, after not receiving any response from the company, I decided to phone The Bureaus at XXXX XXXX XXXX XXXX and requested proof that my verification letter was in fact, received. After validating my identity and locating my account, the operator was able to confirm that my letter had been received on XX/XX/2020. It was also confirmed by the operator that a follow-up letter had not been sent out via mail to me. I requested to speak with a supervisor, and the operator informed me that she was unable to transfer me to speak to someone at The Bureaus directly. Her reasoning, because she did not work for The Bureaus. The operator whom I was speaking to, actually worked for another company, subcontractor for The Bureaus. Considering all conversations are recorded, I accepted her rebuttal that she would reach out to The Bureaus, and inform them of my request to have my debt permanently removed from all 3 credit agencies. 
On XX/XX/2020, I received a debt verification letter from Bureaus Investment Group Portfolio NO 15 LLC regarding a debt of {$300.00} from the original debtor, XXXX  XXXX XXXX. Their letter falsely states that I requested a validation of debt on XX/XX/XXXX, XXXX complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XXXX. XXXX, 2019, XXXX XXXX   XXXX  add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2019, SYNCB/WALMART PLCC add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2019, SYNCB/PAYPAL add a hard inquiry on my credit report per 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 2020-11-26 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: Residential Mortgage Services Holdings, Inc.
State: NH

Complaint narrative:
Despite me having made all mortgage payments on time and as agreed, Residential Mortgage Services has reported inaccurate, false and misleading information on my account and now has refused to fix my credit reports. I have twice disputed the inaccuracies and in fact RMS 's own customer service did agree with me that they had my payments and sent them back and that they should have applied them correctly and she wasn't sure why they were sent back to me. She stated that she would also file a dispute on her end on my behalf at least thats what I was told by cutomer service. I am not sure if they ever did file a dispute. I have provided substantial proof of payments to the company. RMS failed to properly allocate these timely made payments that I sent to them and in fact RMS sat on these payments for well over a month before they decided to send me back my payments. They sent my payments back to my bank and then went ahead and reported these payments as being late or never recieved. RMS failed to ever call me, email me or send correspondence as to why these payments were not being applied correctly to my accounts. They did go on and report false inaccurate and misleading information to the credit reporting agencies as a result of their own errors and refuse to acknowledge their mistake and correct my records.I have attached further explanation and proof of documents and will be reporting to other consumer agencies but will try this avenue before seeking legal help for damages. Please help me get this corrected.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: MA

Complaint narrative:
I've seen no changes for the accounts that I have filed last month, I still see multiple 30-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Action Collection Agencies, Inc.
State: MA

Complaint narrative:
Action Collection Agency tried to collect from us for a creditor we never hear of. Their number is XXXX. The person wouldnt give me their full name. Said we owed a XXXX XXXX XXXX XXXX XXXX Seems like a scam. The person on the phone was very sketchy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TOYOTA MOTOR CREDIT CORPORATION
State: SC

Complaint narrative:
On XXXX 2019 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XXXX XXXX, XXXX, CAPITAL ONE BANK USA add a hard inquiries on my credit reports per XXXX  an XXXX. 
On XXXX XXXX, XXXX, XXXX XXXX add a hard inquiriy on my credit report per XXXX. The report does not include information about the creditor. 
On XX/XX/XXXX, US SM BUS ADMIN ODA add a hard inquiriy on my credit report per XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
this company keep calling me many times, even i told them, do not call me again, but they changed calling number keep calling me, it is really bother me a lot, even today, XXXX  day eve, please help me to stop it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-26 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: TX

Complaint narrative:
On XX/XX/2020 I was submitted a dispute letter for inaccurate and unknown account that I found on my credit report. It's over 30 days now and I haven't received any response from them. Those accounts are not mine and those are Identity theft. I was a victim of the Equifax data breach and those accounts need to remove ASAP or I will file a litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: AR

Complaint narrative:
I noticed this account on my report. It is not mine. I believe it is a result of idenity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I purchased two flight tickets from XXXX using my Citizens Bank credit card. ( XX/XX/2020 ) XXXX kept changing my flights, and at first I accepted the options because it was reasonable. But then they changed my routes again, and again ... 
So I had to cancel my tickets. 
I believe under federal regulations they have to give me my money back in full if an airline cancels a flight and offers no reasonable alternative departure. And believe me, those alternatives were not REASONABLE. 
Please help me! 
I send XXXX emails asking for a refund months ago and still I have no answer. ( XX/XX/2020 ) After that, I send Citizens Bank emails ( on XX/XX/2020 ), with screenshots of the purchases I made, but they refused to give me a refund after they finished their investigation. ( They finished their investigation on XX/XX/2020 ) The original two flights with XXXX.XXXX  costed {$510.00}, and {$270.00} and the first new itineraries {$140.00}, {$91.00}, {$23.00}. This I was willing to accept, BUT they changed the routes again, and added more and more unreasonable " options ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRUIST FINANCIAL CORPORATION
State: MA

Complaint narrative:
On XX/XX/XXXX I got a alert on my XXXX XXXX  account stating that I lost points due to a hard inquiry by a company I never heard of called ligthstream. I have sent an email to their customer service explaining that I did not authorize any hard inquiries and that I never even heard of this 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 explanation
Consumer complaint received 2020-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Experian promoted a feature called Experian Boost, which is supposed to help increase your score. But when I tried it, I lost 9 points. Experian stated its because self-reporting of accounts increased my risk to lenders. This consequence was not previously indicated by Experian. Experian recommended I remove the boost to restore my score ; but upon removal, my score did not recover the 9 points.

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 2020-11-26 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: TX

Complaint narrative:
On XX/XX/2020 I was submitted a dispute letter for inaccurate and unknown account that I found on my credit report. It's over 30 days now and I haven't received any response from them. Those accounts are not mine and those are Identity theft. I was a victim of the XXXX data breach and those accounts need to remove ASAP or I will file a litigation.

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