vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I have been a BOFA mortgage customer since XX/XX/XXXX and have never had issues making a timely payment. In XX/XX/XXXX BOFA changed their online payment system & since then I've had 2 consecutive months of issues. The first was the lag time between my XXXX payment submission & payment posting ( 5  days ) which caused my account to be flagged as 30 days late & dinged my credit report. ( This is the first time a payment submitted was not applied same day. ) The second was when attempting to submit my XXXX payment, the payment never went through. I was forced to call ( for the first time in almost 4 years ) to  make a payment to ensure that my account was current. That payment was made on-time. 

This issue with their new online payment platform has created a much more concerning situation where now my credit has been impacted. 

I've called BOFA 3-4 times to rectify this error & the associated impact to my credit report. Since reaching them & logging 3 complaints/cases & now waiting 48 hours+ for a call back my XXXX  credit report shows as " data unavailable '' for XX/XX/XXXX and reflects paid for XXXX & " 30 days late '' for both my XXXX & XXXX BOFA mortgage payment. It is XX/XX/XXXX, my account can not be 30 days late 7 days into the month ... 

This 2 month " hit '' has decreased my credit XXXX points at a time when I am attempting to close on a new home. I am extremely concerned that this will impact my ability to close on a home I am under contract to purchase. I'm unsure how to resolve this issue but I need it resolved ASAP.

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 2020-10-07 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: CA

Complaint narrative:
After several attempts, Equifax and XXXX  will not remove a collection item from my credit report, causing a significant negative impact on my credit score. The issue is not a collection issue. It is a contract dispute between me and my former landlord. The dispute relates to the landlord 's failure to mitigate losses due to early termination of my lease and improperly using the security deposit to offset rent that is in dispute. 

Because Equifax and XXXX  have refused to remove this item from my credit report, I have been forced to file a lawsuit against the creditor ( XXXX XXXX XXXX ) which I attach and I am also attaching the latest investigation result from Equifax which has all the relevant details. 

Equifax and XXXX  must remove this collection item from my credit as it is not a collection issue, it is a contract dispute that is currently in litigation. 

In addition, I have tried to resolve the dispute with the collections agency, XXXX XXXX XXXX After several attempts, they also refused to accept that this issue is not a collections issue but a contract dispute. I had to pay the outstanding amount to limit the damage to my credit and then subsequently file a lawsuit against the creditor ( XXXX XXXX XXXX ) to obtain my money back and hopefully also to remove this line item from my credit report. 

Amount at issue is {$860.00}. The initial dispute arose in XX/XX/XXXX. The latest update from Equifax was received on XXXX XXXX, XXXX. Lawsuit was Filed on XX/XX/XXXX in order to show that this is a contract dispute in active litigation and not a collection issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX, Experian has refuse remove fraudulent accounts and inquiries this is the 3 time writing complaint and my 12 time calling XXXX please help me This are accounts Are fraudulent.

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 2020-10-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
this was case 2007 XXXX XXXX that was closed. It should not have been closed. 
The credit card company is NOT sending statements if the balance is XXXX. 
They have it set up that anyone who is set up for automatic payment and to have the bill paid in full will generate a XX/XX/XXXXbalance. then they go one step further and say if the balance is XXXX then no statement is generated. This is soooo wrong. There were charges made and paid for during the statement time period. The portal states you can access statements for the past 24 months. well you cant access them if they are not on the portal because you are signed up for auto pay. This is beyond absurd. Credit cared companies should HAVE to generate a statement if any activity took place. I totally understand that they would not have to generate one of there was no activity. but this is very different. I need the statements to tale care of info that I need to do my taxes. The portal shows dates and dollar figures of what was charged and paid but there is no detail of who it was paid to. When I figured out the auto pay date thing I stopped my auto pay. At least now I can get statements. I pay my credit card down andkeep a XXXX cent balance. It does not help me out with the missing statements. there are 7 missing statements. when I call them and they say there are no statements regardless if there was activity or not when the balance is XXXX. How can they be allowed to request a payment or take a payment as in the auto pay and not have a statement???

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 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: CITIBANK, N.A.
State: MA

Complaint narrative:
HI MACY 'S / CREDIT BUREAU ; I'm not quite sure what's going on with your company but for some reason, there is something going on because i haven't received any responses for like 60-90 days since the pandemic. Every month i question the validity of this account. There is no way that this account was indeed verified - it's unverifiable and incomplete!!!! Again, Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this 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 2020-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: KEYCORP
State: WA

Complaint narrative:
On XX/XX/2020 I closed my account with KeyBank due to their deceptive, unfair, and abusive acts and practices. Despite my account closure, I continue to receive account servicing notices from the bank. In the notices, I have no option to opt out of their communications. While they are account servicing notifications, and not marketing materials ( which would require opt out ), I DO NOT wish to continue to receive any communications from KeyBank. I would like to be put on their opt out lists for all communications, and have their internal controls ensure that they are not sending notifications to non-customers. Can the CFPB please help to enforce regulatory action against this bank, that continues to violate internal procedures and external laws and regulations?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 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: TX

Complaint narrative:
I recently saw that I have 2 credit cards that I never applied for. I am a XXXX  and don't work so never had the need to check my credit but when I recently chekced after a long time thats when I found out that there are 2 credit cards whch I have no knowledge of and are unathorized acccounts which ARE NOT BY ME THEY ARE OPENED FRAUDENTLY. I AM A VICTIM OF IDENTITY THEFT AND I AM JUST FINDING OUT ABOUT IT!!. I would like to get these both unathorized fraudentlt accounts off from my credit. These 2 accounts have hurted my score alot and during these hard COVID times i can not afford to loose another chance to miss on an oppeetunity.. These cards both have balances on them that I did not authorize at all. These Both credit cards are fraudlent. Please resolve this mater as soon as spossible as ths is an urgent case. 
Following are names are of unauthorized acounts 1.XXXX XXXX  XXXX  acount ending in XXXX 2.XXXX XXXX Credit card Thats all the info I have.

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 2020-10-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH

Complaint narrative:
Notice for Proof of Claim Account : ARS ACCOUNT RESOLUTION XXXX To Whom it may Concern : This is a complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors.

Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.

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 2020-10-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: CT

Complaint narrative:
Received email from National Recovery Agency about a utility bill that was never mine. It listed an address that I never lived at for a debt that was never mine. 

Debt date on bill : XX/XX/XXXX Date of email : XX/XX/XXXX Amount : {$280.00} I have taken no action yet ; National Recovery Agency claims to be a collection agency.

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 2020-10-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX. I received a phone call from XXXX XXXX regarding an old debt from XXXX. I explained to the representative that I had recently lost my job due to the impact of COVID-19 and was unable to pay anything today, but would like a letter sent to my mailing address and I can look into the debt at that time. The representative became aggravated that I was unable to complete any sort of arrangement or payment today and began threatening me that they will take me to court and I could have my property seized, my checks garnished, and my bank account taken if I did not set something up. I actually believe that this debt may be beyond the statue of limitations, or very close to it since it was from so long ago. I asked the representative to give me the last day that I  made a payment and he stated XXXX, but I dont remember making any sort of payment at that time. I asked to speak with a manager, he stated that his manager was on another call and unable to speak with me. He continued asking what he said that made me upset, and I repeatedly told him that I no longer want to speak with him and would like to speak with a manager instead. After telling me that any manager was not available, he declined to have a manager give me a call back and proceeded to tell me that he is putting in a recommendation to have me taken me court for not making any sort of payment or arrangement with him and ended the phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Atlantic Recovery Solutions LLC
State: NC

Complaint narrative:
Atlantic recovery solutions contacted me via phone on XX/XX/XXXX indicating they needed to speak to me or my legal counsel. I called them back same day and the man I spoke to was condescending, rude and was of no help. I then received a text from them on XXXX asking me to call a different phone number and provided a case # to reference. Again I called, the man didnt provide his name, took him 3 times to tell me the debt amount and then after several minutes of back and forth I agreed to a $ XXXX/month payment to stop the harassment and threat of legal action with the promise that they would email me all of the documentation that evening. I received no such email. After multiple emails and another phone call I finally receive an email with an attachment that has someone elses name and information on it! After receiving this email with someone in Floridas information I contacted my bank to cancel my card to stop this payment. This leaves a lot of anxiety about the security of my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
There are creditors on my credit report that I do not recognize. I am disputing them for a full removal. I am not a credit repair company, and since I am sending you my personal documents, I can assure you I am who I say I am. Please remove the listed items off of my credit report as it is hindering me from buying a house. Thanks.

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 2020-10-07 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including Repossessions. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 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 2020-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NC

Complaint narrative:
On XX/XX/XXXX, chime put a suspension on my account. For context, I had just moved to north carolina and had signed up for unemployment, mainly due to the fact i had a XXXX  scare back in XXXX and didn't sign up back then. I was accepted by the state of north carolina and handled it all with them, and used my chime account to recieve the unemployment through direct deposit. Everything was going fine until XX/XX/XXXX when they put a suspension on my account for " suspicious activity ''. This was all coordinated through email, they asked for info to verify I was me, so i gave them what they asked for, but in turn revieved another email shortly after asking for MORE. So I decided to give customer support a call, considering there was upwards of XXXX XXXX dollars in my account. The lady was nice and a comodating, had me verify some purchases and info, then told me i was good to go and everything was unlocked etc. It wasn't, i even tried using my card later to make sure and it was declined. So I gave it a day thinking it just needed some time to process. It didn't, so I replied to the email i had before i called customer support, and gave them MORE info, including my Social security card, a picture of me holding my id next my face, and proof of address. Again, this wasnt enough for chime, and they sent me another email asking for MORE. So again, i called customer support, and this time at least the man i spoke to was honest with me, looked at the emails and documents i had provided, said it would be enough but i just had to wait for the higher ups to get back to me. Shortly after that phone call i recieved another email again asking for more info, with more misleading context. At this point i was beginning to think i was being scammed, but how could i be scammed by a legitimate corporation? So I sent my final email with my concerns and worries, and shortly after, they emailed me back saying my account had been shut down and my remaining funds ( almost XXXX XXXX dollars ) were non refundable. I tried calling chime, but it is now an automated voice message saying i need to email. But ive gotten nowhere with email and them. I called XXXX, and there was nothing they could do, so i called the other bank that is associated with chime, XXXX  XXXX. They said the same things, except when I talked to a supervisor they said that it was the " written '' department that had handled my account. Ive contacted an attorney who is going to take on the case, and I advise anyone who uses chime to switch banks immediately.

Company response to consumer: Closed with explanation