vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aqua Finance, Inc.
State: AZ

Complaint narrative:
Attempted to dispute account through the credit bureaus. Account is showing completely different info on each of my credit reports. 
FTC requires per FDPCA info needs to be reported accurately. Reported to XXXX and XXXX as a XXXX XXXX XXXX and XXXX shows Collection. There is also a monthly payment of {$87.00} showing on XXXX while no monthly payment for XXXX and XXXX. Date opened for XXXX and XXXX show XX/XX/XXXX and XXXX show XX/XX/XXXX. All 3 credit bureaus show different high credit amounts. XXXX shows : {$8000.00} ; XXXX shows : {$7000.00} and XXXX shows : {$5700.00}. Credit limit on XXXX show : {$7000.00} and XXXX and XXXX show : {$0.00}. XXXX and XXXX show Collection as Payment Status while XXXX shows 120 days late. Date last active show XXXX completely different dates, XXXX shows : XX/XX/XXXX, XXXX shows : XX/XX/XXXX and XXXX shows : XX/XX/XXXX. Also account was recorded as a XXXX  from XX/XX/XXXX - XX/XX/XXXX, XXXX shows XXXX XXXX XX/XX/XXXX XXXX XXXXo info for XX/XX/XXXX then XXXX XXXX XXXX XXXX  no info for XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX XXXX XXXXo info for XX/XX/XXXX. XXXX shows absolutely no Credit history. This account is having detrimental effect on my credit and is reporting inaccurately. Therefore account needs to be removed from each of the three credit bureaus : XXXX, XXXX and XXXX to avoid being in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SECURITY FINANCE CORP
State: TX

Complaint narrative:
I dont know what happened i guess thats on whoever let someone run my credit.

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 2021-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have had a checking account at Bank of America for about a year. 

I have not been able to transfer money through ACH to or from this BofA account using the BofA web site to one of my other accounts, a XXXX XXXX checking account at Customers bank. 

I have called both banks. They each say the problem is on the other bank 's side. 
I believe the issue is with BofA, however, since I can transfer money using the T-mobile money web site, but not using the BofA web site. 

From what I have gathered, it appears that BofA has blacklisted the routing number for XXXX XXXX, which is XXXX, in their online system. No disclosure is made of this blacklisting in any of the BofA disclosures for the account. I believe I should be able to use ACH to any of my external accounts, including 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 2021-11-15 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: Affirm Holdings, Inc
State: IL

Complaint narrative:
When Affirm started out the only way to access your account was with the phone number you used while setting up the account. For verification purposes, whatever number that was on file, would receive a text code in order to log in, or for customer service to access the account, or to make payments. Months after having the account and making on time payments I had issues. I changed my phone number ( I switched cellular service ) and was unable to access my Affirm account. I called Customer Service to get my phone number updated and to make a payment and basically Customer Service couldnt help. In order to make changes to the account I needed the code texted to my OLD PHONE NUMBER, which I didnt have. I called several times, tried to make payments and tried to update my information but it was nothing Customer Service could do. The last attempt a Customer Service Agent told me after a couple of days if theres no payment Affirm will call me to try and collect the payment and that he attached my new number. No call happened, I couldnt log on, I called back but nothing happened. Eventually Account went into default then went into collections. At that point I was able to pay, but it wasnt as easy. XXXX XXXX had to update everything before I was able to pay, address, phone number, amount and once it was updated weeks later I was able to pay the bill. Bill was paid in full, Affirm will not update my status as paid in full, and I keep getting declined for future loans because of this. This account is several years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 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: MS

Complaint narrative:
I have reached out to the company 's fraud department several times to report inaccurate information on my consumer report. According to 15USC CODE 1681C2 this is all I need to do when informing the credit reporting agencies of fraudulent accounts. XXXX, Transunion, and XXXX has VIOLATED my consumer rights by continuing to report this information. They have also broken the law, Under 15 U.S. Code 1681e ( b ) ( b ) the credit reporting agencies are supposed to report maximum accuracy on consumer reports. they are not following ensuring maximum accuracy at all. I am demanding deletion of all inaccurate accounts listed in my report as soon as the credit reporting agencies receive this notice. According to the Fact act these items shall be blocked within 4 days of receiving this notice, I, the consumer have notified XXXX, Transunion, and XXXX multiple times. I expect the items included in my identity theft report to be blocked asap or I will seek monetary damages for violating my rights as a consumer.. THIS IS A IDENITY THEFT PERSUANT TO FCRA 15 USC 1681 ( 3 ). I understand under 15 USC 1681 c 1 you have the authority to decline or rescind the information I am presenting to you was not blocked in error. The information I request is an affidavit in fact so there is no material misrepresentation of the fact this has been completed if you believe I have obtained goods and services I need a senior executive member of this company to put it on an affidavit signed under penalty and perjury notarized. I have included a copy of my id to prove my identity and act as proof of residency. I have also included a copy of my social security card for proof of my identity as well.

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 2021-11-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have had multiple credit cards at Bank of America for years. At this time, I have four credit card accounts with BofA. 

I have not been able to make payments to any of these credit cards from my XXXX XXXX checking account using the Bank of America web site. 

I have called both banks. They each say the problem is on the other bank 's side. I believe the issue is with BofA, however, since I can make payments to the BofA credit cards using the XXXX XXXX web site, but not using the BofA web site. 

This is especially inconvenient for me. I pay my credit cards in full every month. The monthly amount is variable, dependent on actual charges. I would like to setup autopay from the Bank of America side, and have the bill automatically withdrawn from my XXXX checking account. However, I'm not able to do that due to this issue. I am forced to make manual payments using the XXXX XXXX web site instead. 

In order to avoid missing a payment, I have had to set my bill preferences for all 4 BofA credit cards to paper instead of electronic, as an email bill notification is easy to miss. Paper bills are not good for the environment, and cost BofA money, as well. 

From what I have gathered, it appears that BofA has blacklisted the routing number for XXXX XXXX, which is XXXX, in their credit card online payment system. No disclosure is made of this blacklisting in any of the BofA disclosures for any of my 4 credit card accounts. I believe I should be able to pay my credit cards using any of my external accounts, including XXXX XXXX, using the Bank of America web site.

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 2021-11-15 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express has a feature called " Amex Send & Split '' that allows you to send money to friends and family. 

On XX/XX/2021, I transferred {$2000.00} to my Amex Send account in order to send it to one of my friends via XXXX, but he wasn't available at the time. 

I returned the money to the card and waited a few days, but the money never arrived. 

I have activity transfer proof that I returned the money and every proof that the money was sent and returned to the card. American Express acknowledged the issue and opened a couple of tickets, but they were never resolved. Every day I call and I get no resolution. 

They promise to call me back, but no one does. 

Kindly help me!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ERC
State: CA

Complaint narrative:
This is a XXXX Phone account I had YEARS ago. Yet they are reporting as if I just defaulted the account XX/XX/XXXX which is against the law. The account was set to drop off 7 years from when they started reporting it to my credit history which was XXXX. I dont know what its still doing showing up on my credit history but it needs to be removed instantly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 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: ADIR INTERNATIONAL LLC
State: CA

Complaint narrative:
Good afternoon, On XX/XX/2021 I paid off my account with CURACAO. I submitted a payment in the amount of {$790.00} as full and final payment ( I called prior to submit payment and I was given such amount by automated system ). 

On XX/XX/2021 I received an email from my transUnion report showing CURACAO account as paid off. 

On XX/XX/XXXX, a late payment red flag was added to my credit report by CURACAO. Now, account shows an outstanding balance of {$27.00}. My credit score went down XXXX points on XX/XX/XXXX. 

I reported the issue to CURACAO. Spoke with XXXX, XXXX, and two other representatives in several occasions and they indicated that it was an issue generated by the system and that they will take care of the issue. As of today, nothing has been done. I called this morning and they said " don't worry XXXX, your account shows XXXX balance now '' I said, " that's not the main issue... the main issue is the red flag on my credit report ... the missed/late payment report caused a huge negative impact to my credit score, which I don't think is fair when I paid off my account before my contract is up '' I asked to speak to a supervisor/manager and they just continued transferring my call to different departments. 

I'm extremely frustrated and upset. They should be treating consumers with respect, and stop taking advantage of loyal, reliable, and responsible consumers. 

Very inefficient staff.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-15 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: FL

Complaint narrative:
My identity may have been used by someone else to open fraudulent accounts. This has resulted in the following ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am seeking to have the potential FRAUDULENT information removed from my credit reports. attached below was sent to the credit bureaus months ago, documentation supporting my claims. The credit bureaus are still reporting the potential FRAUDULENT items.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX I realized that {$8500.00} had been withdrawn electronically from my Bank of America business account on XXXX XXXX I immediately called and filed a complaint with them and my case number is # XXXX. I was initially informed that it would take 15 days for an infestation and a refund on the money. Upon my follow up call on the XX/XX/XXXX it was told to close out the existing account and open a new account. I was given the earliest appointment available today the XXXX and now I am being told it could take up to 60 days. 

This is a very large amount of money and for a small business could cause major disruption in my finances. I am reaching out for help as this seems excessive and depending on the person I spoke to I got different responses..

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 2021-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
On XX/XX/XXXX I informed Resurgent Capital Services/LVNV Funding LLC via the CFPB I've become a victim of identity theft. On XX/XX/XXXX I sent a written dispute requesting debt validation pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. As of XX/XX/XXXX I have NOT been provided competent evidence of my legal obligation to pay Resurgent Capital Services/LVNV Funding LLC . 

I requested the company to provide me with the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. 
What the money you say the alleged debtor owes is for. 
Explain and show how you calculated the alleged debt. 
Provide me any documents that show proof I agreed to pay the alleged amount owed. 

Please provide the name and address of the bonding agent for Resurgent Capital Services/LVNV Funding LLC in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. 

Please Note : A copy of the consumer credit contract and/or bill is not sufficient to validate the debt. Validation requires presentment of the account and general ledger statement signed and dated by the party responsible for maintaining the account. Pacific Concrete F.C.U. v. Kauanoe, 62 Haw. 334, 614 P.2d 936 ( 1980 ), GE Capital Hawaii , Inc. v. Yonenaka 25 P.3d 807, 96 Hawaii 32 , ( Hawaii App 2001 ), Fooks v. Norwich Housing Authority 28 Conn. L. Rptr. 371, ( Conn. Super.2000 ), and Town of Brookfield v. Candlewood Shores Estates , Inc. 513 A.2d 1218, 201 Conn.1 ( 1986 ). and Solon v. Godbole, 163 Ill. App. 3d 845, 114 Ill. Dec. 890, 516 N. E.2d 1045 ( 3Dist. 1987 ).

Pursuant to 12 CFR Part 1022 Subpart M 1022.120 1022.129, Resurgent Capital Services/LVNV Funding LLC is in violation by not responding to my notice of Identity theft within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
in XX/XX/XXXX I took a loan out to by a home and in XXXX I fell behind on my payments I then reached out to find out how much I was behind and paid the amount in witch they had given me to bring my loan current in XX/XX/XXXX witch was about {$11000.00}. in XX/XX/XXXX i was notified that i had fallen behind again due to the figures that they had given me in XX/XX/XXXX were miss calculated and that it put me back three months behind then in XX/XX/XXXX i made a payment of {$2500.00} in witch was returned to me and I was told that they will not except any payments unless I made the full payment to catch up on my loan since then I fell to far behind to catch up. Since then i have tried modifications in witch i was denied several times I had even gotten help from a company called XXXX to help me through the modification process to make sure that I was handling everything correctly once submitted and I was waiting on a response the company switched servicers and I was told that I would have to start over so i went to look for other help in doing so I found out that there were several things that were wrong with my loan witch the banks involved know and now they have a sale date XX/XX/XXXX for my home when they have no standing to do so companies and or banks involved : XX/XX/XXXX XX/XX/XXXX, XXXX XXXX, XXXX, XX/XX/XXXX AS TRUSTEE FOR SECURITIZED TRUST ALTERNITIVE LOAN XXXX XX/XX/XXXX, XX/XX/XXXX, MORTGAGE ELECTRONIC REGISTRA- TION, ( " MERS '' ) ALSO : XX/XX/XXXX XXXX XXXX XXXX XXXX 
XX/XX/XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 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: DC

Complaint narrative:
Bank of America {$330.00} XXXX XXXX XXXX XXXX {$830.00} XXXX XXXX XXXX {$520.00} XXXX {$7400.00} XXXX has removed all these items and updated XXXX today! 
I dont understand whats the problem with the other bureaus

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 2021-11-15 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: DISCOVER BANK
State: NH

Complaint narrative:
I filed a dispute on a charge through Discover. Case Number : XXXX, Merchant name : XXXX XXXX, Dispute amount {$20.00}. The dispute was for a purchase from adobe. I filed a dispute and it wasn't until today XX/XX/XXXX, that I received a letter. It stated that XXXX gave them an invoice and so that was good enough for the charge to reappear. The letter stated that I had 15 days from the time I got the letter to provide further documentation. Upon chatting with a discover agent, I found out that meant nothing and the dispute was closed out on XX/XX/XXXX and that I was not allowed to provide further documentation and there was nothing I can do. Obviously the letter from Discover was a blatant lie and has to be illegal. 

XXXX invoice was for invoice # XXXX, date XX/XX/2021, order # XXXX. 

I went to my XXXX account and looked at all invoices attached to my account. Please see the attached documents. The invoice questioned doesn't exist. I also went to all downloaded adobe products and the product in question doesn't exist. I also went through my emails and other than a discover transaction, XXXX confirmation from XXXX that the charge occurred. I went on my laptop and desktop, also no photoshop as described. I checked my XXXX  as well as my ipod and no purchases exist. I don't have the product in question, I did not make that purchase, and the fact that Discover was fine with a fraudulent invoice and shutting me out, is shameful. I asked to speak to corporate but was told I was not able to communicate with them on the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
Did A dispute by in XXXX and still havent heard back from the company

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 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: MARINER FINANCE, LLC
State: MO

Complaint narrative:
Mariner Finance obtained my CREDIT BUREAU consumer report on XX/XX/XXXX and XX/XX/XXXX without my permission, or without a permissible purpose by law, they are in violation of the fair credit act FCRA codified at 15 U.S.C sub section : 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with Mariner Finance, Furthermore, I do not have an account as defined under 15 U.S.C 1693 ( a ) ( 2 ) with Mariner Finance for review or collection.

Pursuant to 15 U.S.C sub section : 1681n ( a ) Any person knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be find under title 18, Imprisonment for not more than 2 years, or both. 

BY WILLFULLY VIOLATING THE FCRA, I am willing to settle the civil liability damages that I have suffered as a result of Mariner Finances violation, for {$2000.00} ( reported 2x- x {$1000.00} ) Pursuant to FCRA, sub section : 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C sub section : 1681n ]. Should they fail to refuse to settle the matter by tendering payment in the amount of {$2000.00} within ten calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00} per violation.

Company response to consumer: Closed with explanation