vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-28 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: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
In XXXX, my ex-husband and I applied for a XXXX XXXX credit card account, which had a {XXXX} credit limit. On XX/XX/XXXX, the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX granted our divorce. However, we did not include the XXXX XXXX account in our divorce due to an oversight, therefore, the account was never closed at the time of divorce. In XX/XX/XXXX, I tried logging in to make a payment on the XXXX XXXX  account as I normally would do. On this particular date, I was unable to log into my account. The error stated that the account was locked due to the account being closed. I immediately called XXXX XXXX ( Comenity Bank ) to inquire about why the account was closed. They informed me that the account had been included in my ex-husband 's XXXX  XXXX bankruptcy case, therefore, the account was written off and closed. I asked if there was a way that I'd be able to keep the account open and continue making the payments, so it wouldn't affect my credit and was told that there was nothing I could do to reopen the account but that I could call back to make sure it wasn't reported negatively on my credit report. In XX/XX/XXXX, I called XXXX XXXX  after noticing that my credit score had been impacted due to them reporting that the account was closed because of a bankruptcy filing. They agreed to change the reporting to simply show the account as closed. Which was reflected as such until recently. On or about XX/XX/XXXX, I noticed that my XXXXredit score dropped again due to a remark being added to the Comenity Bank/XXXX XXXX  account again. Shortly thereafter, I received a letter from Key Jewelers dated XX/XX/XXXX stating that they had received my letter dated XX/XX/XXXX, and that they had updated the reporting to the credit agencies. However, I never sent them a letter requesting such change, and they had already agreed to have it reported simply as closed due to my ex-husband having filed the bankruptcy not myself. Currently, the status of the account states that the " credit grantor can not locate consumer '' as of XX/XX/XXXX. However, I called them on XX/XX/XXXX and the representative, XXXX, stated that this was likely an incorrect reporting and that I should report it to the credit agencies as well as write them a letter. This account continues to impact credit decisions, when it shouldn't. I was not involved in including this in my ex-husband 's bankruptcy and have explained to XXXX XXXX and Comenity Bank that I'm more than happy to continue making payments on this in order to not have it continue affecting my credit but they've agreed to make the change so it doesn't negatively impact my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: GOLDMAN SACHS BANK USA
State: MT

Complaint narrative:
Marcus by Goldman Sachs contacted me and requested that I apply for a XXXX Rewards credit card from them. I applied and was approved. It has been over 6 weeks and I haven't received the card. I've called multiple times but hold times are over 30 minutes. Their online chat feature is a joke. Today ( XX/XX/2022 at XXXX pm ) I called and was on hold 25 minutes. The rep I spoke with said the card has been ordered, but hasn't been mailed. I asked why it hasn't been mailed. I couldn't understand what she said ( phone issues she claimed ). I finally told her I wanted to close the account. At that point, she terminated the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: NV

Complaint narrative:
I have two student loans serviced by Navient. Originally they were serviced by a different provider, but Navient purchased the loans. Monthly without fail, Navient begins calling me 15 ( or more ) days prior to my payment due date. They call at least five times daily, sometimes as many as ten times, and the calls start as early as XXXX PDT and go as late as XXXX XXXX, seven days a week. Often when I answer the phone, there is no one there and the line goes dead. On the occasions when the call does connect, I get the standard " This is navient calling about your student loan payment. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 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: TX

Complaint narrative:
XX/XX/XXXX {$10000.00} XXXX XXXX Bank XX/XX/XXXX {$500.00} XXXX XXXX Bank XXXX XX/XX/XXXX {$3000.00} XXXX XXXX / XXXX  XX/XX/XXXX {$17000.00} XXXX XXXX XXXX In accordance with FaIr Credit Reporting act these accounts has violated my rights. 
15 U.S. Code 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
After reviewing my report I noticed unauthorized inquiries on my report. 

I am DISTRESSED as a result of these reportings as they could hurt my ability to obtain credit. 

Credit reporting laws ensure that credit reporting agencies ONLY report 100 % accurate credit information. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the PHYSICAL verification of the original signed consumer contract, or an inquiry initiation confirmed through PHYSICAL Identity verification on ANY and ALL accounts that you post on a credit report. Otherwise ANYONE paying for your reporting services could fax, mail or email in a fraudulent account or initiate applications for credit by using stolen identity information. 

I demand that the following inquiries be removed IMMEDIATELY as these were not inquiries initiated by me and are not mine : XXXX | XX/XX/2022 XXXX XXXX | XX/XX/2022

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One Bank keeps changing remarks on my credit report to charge/off to closed to late payment and its dropped my scores over XXXX points because of these inaccurate remarks. The creditor agreed to a pay for delete on the referenced accounts that I paid. I dont want to file a law suit for this but I will forced to if they do not delete these accounts and all related remarks on all three credit bureaus. Accounts- XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: WA

Complaint narrative:
On Monday, XX/XX/2022 my SIM card was fraudulently ported to a new device at a XXXX store in XXXX, IL resulting in approx. $ XXXX being transferred from a Coin Base investment account within about 45 minutes. Here is how it happened : At XXXX on XX/XX/2022 I received a text stating there was a request to access my account at a XXXX store in XXXX IL XXXX Once I saw the text around XXXX I attempted to check email and call my wife but realized my phone was no longer working. The only number I was able to call was XXXX customer service. When I called XXXX I was told my SIM card had been ported to a new device and I needed to go into a XXXX store because without access to my phone the call center employee on the phone was unable to verify my identity and help me. Eventually authorization was given and I was able to get the SIM card moved back to my device. 
In the meantime, a total of $ XXXX from withdrawn from a coin base investment account. 

Once I was able to long into XXXX mail again I saw I had email from Coin Base notifying me my password had been changed. When I logged into coin base I saw that at XXXX nearly $ XXXX had been withdrawn from the account. A series of 450 transactions of {$50.00} each had been processed by Coin Base between XXXX and XXXX. 

I am appalled at the lack of account monitoring in place at Coin Base. A total of 450 transactions at {$50.00} each were processed in a matter of minutes without a freeze on the account. This was clearly suspicious activity and the account should have been frozen. Even a minimum level of account monitoring should have flagged this activity and put a stop to it. Coin base refuses to engage in a conversation about the theft and has clearly indicated they will not be doing anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 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: MO

Complaint narrative:
There was a fraudulent charge on my account on XX/XX/XXXX. This fraudulent charge was reported to my bank, and a claim was started. Today, XX/XX/XXXX, I received a letter in the mail today saying my claim was denied. 

Here are the facts : I have never been to the city and state that the fraudulent charge was made in. Nobody has, or has had, access to my debit card/account information but me. 
The charge was from an ATM machine-again, nobody had, or has, my account/debit card information but me. 

I have attempted 5 times now to speak with the fraud department at my bank. I have been told 5 times now that there " is nothing that can be done '', and that the claim has been closed. There is not a merchant to contact because this was an ATM withdrawal. I was told by the bank to file a police report in the city/state that the charge was made. Nobody from the bank has told me why the claim was denied. 

Another thing to add-I am supposed to be a " preferred client '' with this bank. However, that means nothing because they clearly do not care about their customers. How much money do you need to have in the bank for them to care?? 

I need help with this matter, please.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Last year I called all three credit Bureaus regarding the inquiries thats been reporting on my credit report. I informed them that Ive contacted the companies and that they aggressively to remove them but hasnt the credit bureaus transfer me to the fraud department and I was told that the matter would be taken care of and now I still see these inquiries on my report including more. Ive been trying to get a Mortgage loan and when I see my report I see more inquiries reporting on my credit from this year XXXX. I have the MyFICO app which told me that my personal information is on the desk web. The inquiries thats listed on XXXX : is credit plus XXXX XXXX and XXXX XXXX. XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX. XXXX certified credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN 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 explanation
Consumer complaint received 2022-03-28 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-28 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
LVNV funding/Resurgent 3rd party collection agency never contacted me. I found out through checking my own credit report they posted to all three bureaus regarding a " bill '' showing I owed {$960.00} and it is in collection status. I disputed with this company as well as all 3 credit bureaus with negative results. I re disputed with the credit bureaus and now they ignore my disputes closing them within 12 hours. LVNV/Resurgent placed fake payments on this account on my credit report which I never made. They also never reported any information such as the " date of last payment '' plus many more empty spots on this acct. When I tried to validate this collection with LVNV/Resurgent they did not contact me on all occasions even when I had mailed through return receipt requested. They noted that I " opened '' this account XX/XX/2020. This is simply not true. I am on the verge of taking them to court. They never sent me anything and yet they file inaccurate and incorrect information on my credit report. Isn't this illegal? I was also advised by my attorney that the 'date of last payment '' as well as all the account details should be on the report legally and if it is not, this account must be deleted. They continue to ruin my credit reputation, re ageing this account and deceive the credit bureaus. I am sure they have done this to other people as well. Their practices are so dishonest. They could never validate this debt or tell me any information about it. They also refused to contact me after numerous letters and phone calls which I know they received because I certified the mail. They also go by several different names and I have contacted all of them. They need to stop these illegal practices. If this is true information then please validate with accurate names dates etc... 



Resurgent Capital Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am a long-time ( XXXX ) customer of BofA and a BAC shareholder since XXXX. 

On XX/XX/XXXX, I went to the BofA branch at the XXXX XXXX in XXXX, CA. I deposited a check for {$30000.00} dollars after being assured ( twice by the nice teller ) that the {$30000.00} would be available the next day on XX/XX/XXXX. 

The next day on XX/XX/XXXX, I went to BofA and was told that the funds were NOT available. I then called XXXX in which the check had been written. They assured me that the {$30000.00} had already been negotiated and drawn from my margin account. 
I am a long-time ( XXXX ) customer of BofA and a BAC shareholder since XXXX. 

On XX/XX/XXXX, I went to the BofA branch at the XXXX XXXX in XXXX, CA. I deposited a check for {$30000.00} dollars after being assured ( twice by the nice teller ) that the {$30000.00} would be available the next day on XX/XX/XXXX. 

The next day on XX/XX/XXXX, I went to BofA and was told that the funds were NOT available, as promised twice. I then called XXXX in which the check had been written. They assured me that the {$30000.00} had already been negotiated and drawn from my margin account. 

I then went to a nearby BofA branch and was advised to call BofA, which I did. I spoke with XXXX, then her supervisor XXXX, and supposedly a manager by the name of XXXX. XXXX has NO customer service skills and was unfriendly and shoved me off within seconds of my " conversation '' with her. At no time did she apologize or work towards a solution, even after I told her that I would contact both the California and FederaXXXX regulators for assistance. She obviously could care less. 

BofA had promised me ( twice ) that the funds would be available on XX/XX/XXXX. Yet now they are claiming that it will be more than ONE WEEK before the {$30000.00} will be available! This is clearly a bait-and-switch and a breach of an oral contract. 

BofA is using my {$30000.00} check to them as part of their float, at my expense. Additionally, I was unable to make a promised legal payment, using a wire transfer today, which was the deadline. This nearly cost me one of my homes due to not having the promised funds by BofA. They gave me an e-mail to BofA which was no good ( it would not go through after several submissions ) and they told me that someone would be contacting me and they never did. 

BofA 's failure to honor its promises is despicable. This is the second time that BofA has caused me tremendous financial problems during the past year!!! They apparently feel that they are " too big to fail ''. 

I await your remedy to this fiasco that should have been corrected by BofA management, yet wasn't. Thank you for your assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I reached out to Comenity BankXXXX on a charge off which means this payment was already settled. I called to settle the account and ask for a deletion letter and they agreed to give me a deletion letter if i paid the balance in full and they only sent me a paid off letter. I would like for them to remove this off as they agreed to do over the phone.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-28 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:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and 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 non-monetary relief
Consumer complaint received 2022-03-28 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:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and 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 non-monetary relief
Consumer complaint received 2022-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX Has violated my rights. 
15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 section 604A Section 2 also states a consumer reporting agency can not furnish a account without my written instructions.

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