vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-13 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: GA

Complaint narrative:
I have disputed several times about the derogatory marks on my reports which include XXXX  ( XXXX XXXX in the amount : {$670.00} and XXXX XXXX in the amount : {$560.00} ) XXXX  ( XXXX amount : {$670.00} ) and Experian (  XXXX XXXX XXXX in the amount : {$660.00}, XXXX   XXXX  in the amount : {$670.00}, XXXX XXXX in the amount of {$560.00} and XXXX XXXX XXXX in the amount of {$470.00} ) .I have also disputed with the furnishers by sending in affdavits in reference to the FDCPA section 1692g and 1692e.I never received any information.This is violation of the FCRA reporting false information with no proper verification.

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 2020-03-13 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: CA

Complaint narrative:
On XX/XX/XXXX I went into a Bank of America Branch located XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX to change a {$4000.00} check paid to me by my employer and they kept my check on hold and since then I dont have my money. Ive gone to the branch and they wont give me any information. I did receive a letter saying that the funds werent gon na be deposited into my account. They want a 3rd party to claim the money.

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 2020-03-13 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: CITIBANK, N.A.
State: NC

Complaint narrative:
OnXX/XX/2020 made a purchase online of {$500.00} using my Citi credit card. Item arrived and was not functional. Attempted to return, was unable to contact merchant - their website was down and phone was not working. I filed a claim with Citi. On XX/XX/2020 I was able to contact the merchant, was provided a return authorization, and shipped it back to them and canceled the claim with Citi. On XX/XX/2020 the item was returned to me by the vendor. I attempted to contact them again - with no reply. On XX/XX/2020 I contacted Citi again to reopen the claim and was told they could not do so.

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 2020-03-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Opportunity Financial, LLC
State: IL

Complaint narrative:
I received a garnishment letter from my job for Opp loans for {$1500.00} so XX/XX/20 I paid the entire loan off. My paychecks were still garnished on XX/XX/20 for {$230.00} and XX/XX/20 for {$230.00}. Even though they see the problem they keep giving me the run around about refunding my money. They haven't sent anything to my employer saying stop garnishment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX is reporting a collection account on my credit reports. I have never had any account with XXXX XXXX XXXX. I never opened up any account XX/XX/2020 They are reporting fraudulent collection on my credit reports. XXXX lost their reporting privileges so they shouldnt be trying to collect any debts. They also never sent any collection notices, bills, or validation to me by mail nor email. I have no clue why they are reporting inaccurate information on my credit reports. This debt isnt mine and its illegal to report anything that hasnt been validated. I have XXXX for 10 years. Never had any XXXX XXXX XXXX accounts. No bills, contract, purchases, products with 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 2020-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc.
State: SC

Complaint narrative:
I applied for a credit card at XXXX XXXX. I was declined at the store to get a card. I received a letter from XXXX XXXX  stating that the reason they were unable to approve my request is that " Credit bureau reports applicant is deceased '' by Sagestream , LLC. 

I am very much not dead and don't know how to go about fixing this with them. They have not responded to me. 

Thank you for your time. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 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 — Overcharged for something you did purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
XX/XX/XXXX USAA CONFIRMS {$340.00} New Purchases XX/XX/XXXX ARE VALID CREDIT REVERSALS OF CREDITS DEPOSITED. see Fraud Letters XX/XX/XXXX & XX/XX/XXXX XX/XX/XXXXattatched. SEE Attatched XX/XX/XXXX STATEMENT CREDITS are {$210.00} XXXX {$120.00} XXXX   XXXX.Total CREDITS PERIOD {$340.00}.!!! 
( ** KINDLY NOTE XXXX XXXX {$120.00} IS NOT INCLUDED IN {$470.00} FRAUD CLAIM DATE XX/XX/XXXX I REPORTED. ** ) USAA CREDITS ARE INTERNAL ILLUSIONS THEY DO NOT EXSIST. 
There are NO USAA CREDITS TO STEAL.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ERC
State: MD

Complaint narrative:
XXXX {$410.00} FAMILY SUPPORT {$2500.00} THESE ACCOUNT DOES NOT BELONG TO ME

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 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:
Equifax ; XXXX and XXXX are reporting incorrectly that I am ( 120 ) days past due on the DPT ED/XXXX  accounts. ( Please see the attached spreadsheet of reporting bureaus with account numbers, along with a copy of my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 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:
Reviewed credit report in XX/XX/2019 and found a XXXXXXXX Credit Card was opened using my personal information. Contacted credit bureaus to remove information and was denied due to verification from creditor. No evidence of verification was produced. 
Contacted XXXX XXXX directly and they are refusing to close account and remove from credit reports. I have requested numerous times to produce evidence and no evidence has been given showing the account belongs to me. I filed a police report, a complaint with the FTC and complaint with IC3 and mailed all the complaints along with a letter and verification information ( License, social security card and current bill ) to both credit bureaus and creditor and the account still has not been removed.

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 2020-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Nationstar and Mr cooper 's are not defendants in my civil complaint. They will not allow me to make my mortgage payment through an automated system by phone. This is the method of payment I prefer so there is no question to constructive receipt date. In the past, payments mailed and received within 30 days of the due date were reported 60 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX is reporting a collection account on my credit reports. I have never had any account with XXXX XXXX XXXX. I never opened up any account XX/XX/2020. They are reporting fraudulent collection on my credit reports. XXXX lost their reporting privileges so they shouldnt be trying to collect any debts. They also never sent any collection notices, bills, or validation to me by mail nor email. I have no clue why they are reporting inaccurate information on my credit reports. This debt isnt mine and its illegal to report anything that hasnt been validated. I have XXXX for 10 years. Never had any XXXX XXXX XXXX accounts. No bills, contract, purchases, products with XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I attempted twice to set their monthly reward program parameter with my B of A issued corporate card. As I traveled on business I attempted four times in total to set my online account access each time resetting my password with the help of their security featured text codes and every single time the log in card is being rejected. 
The phone number listed on their online support line ( XXXX ) is invalid as the automated messaging system is repeatedly requiring to input the account number ( I did ) with every single prompt selection and it is unable to forward the call to the online operator from that dept. Instead it automatically re-routes the call to their regular customer service that is ... ... ... .unable to reset the online system access and it is unable to offer an assistance with rewards program selection category. Why the CSR is unable to help customer with selection of the rewards category is beyond me as, for example with XXXX, the category can be selected with only one quick of the mouse without even logging into the system.

I believe the B of A is purposefully setting up the system this way so it doesn't need to pay the rewards accrued in the use of the card. I frankly do not believe that the bank is that incompetent to not be able to set up such simple function as rewards category selection by a simple help from the CSR if their system is unable to process it online.

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 2020-03-13 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: FL

Complaint narrative:
XXXX ; XXXX and Transunion  are reporting incorrectly that I am ( 120 ) days past due on the DPT ED/XXXX accounts. ( Please see the attached spreadsheet of reporting bureaus with account numbers, along with a copy of my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2020-03-13 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:
XXXX  ; Experian and XXXX are reporting incorrectly that I am ( 120 ) days past due on the DPT ED/XXXX accounts. ( Please see the attached spreadsheet of reporting bureaus with account numbers, along with a copy of my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2020-03-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: MoneyLion Inc.
State: NC

Complaint narrative:
I inquired about an installment loan which ended up a payday loan with high interest. Upon paying this off as well as my husbands we could not close the account. Countless calls emails were never returned. They kept the accounts opened and charged us a $ 50 monthly fee. Payday loans are illegal here and NC has a suit against them. 

XX/XX/2019 Trying to charge {$970.00} now

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Forster, Garbus and Garbus
State: NJ

Complaint narrative:
Forster Garbus and Garbus calls me from spoofed numbers and now from a hidden number. I told this company to leave me alone 3 YEARS AGO and they're still calling me. Enough is enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$540.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$540.00} -This is not my account.

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 2020-03-13 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$540.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$540.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Strategic Automotive Servicing, LLC
State: FL

Complaint narrative:
This is my 3rd complaint with this company. The continued to report incorrectly on my report and I never received the credit of {$120.00} as per response from complaint XXXX. I went ahead and paid my last payment in XX/XX/2019 which did not exclude the {$120.00} credit which was never applied to the loan. I paid the amount given by the rep to end this nightmare and receive my title. I received a call back in XXXX advising I still owed $ XXXX because of late fees. I explained to the rep I should NOT have any balances as I paid what I was told and I never received the {$120.00} credit. I advised which they owe me {$120.00}. I told her to minus the $ XXXX from the {$120.00} and send my title. She advised no, I need to pay. I declined. I have spoke to several people who of course told me they are no longer allowed to email me because I use those emails as documentations against the company. They have refused to send me a payment history. They have refused to allow any of my request to send my title. 
They are now harassing my ex husbands family which I never had ties with. They call my mom and brother daily. On last Thursday, I spoke with a rep who I at least listened to the situation. I faxed over the documentation showing that the {$120.00} was suppose to be removed and it wasn't. Haven't heard anything back but received a collection phone call on yesterday advising collection attempt. 
Every month we have went through the same round about. It is very crazy that I have paid all funds and they are holding my title for now $ XXXX. 

No one would provide a manager name, address, email address or phone number. At this point they are attempting to collect a debt that is no longer a debt and harassing my family members. 

I would like to have my title and the {$120.00} that was never applied to my account ; as this loan is paid in full. My credit history reported correctly as asked back in complaint XXXX.

Company response to consumer: Closed with explanation