vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-19 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: NJ

Complaint narrative:
I have XXXX kids  and no income right now. I do not have any food for my child at this point. No breakfast or lunch for them. I put in a request for a hardship on XX/XX/XXXX to get my money out of an account that bank just closed down with no warning. Its a little over {$300.00} but it will get my kids the food and gas money we need til I get paid. I am a teach and dont get paid in the summer so I wouldnt bother to do this if the money wasnt very important right now. On XX/XX/XXXX they told me it can take up to 10 days to get a response. Today is 10th day and still no response even after managers many emails. This is inhumane

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 2023-07-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I checked XXXX XXXX and found a delinquency report from XXXX XXXX XXXX XXXX  in the amount of {$2000.00}. That debt does not belong to me. It is reporting incorrectly on my credit report. It need to be 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 non-monetary relief
Consumer complaint received 2023-07-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
I pulled my credit report on XX/XX/23 due to a XXXX point decrease in my FICO. I learned there was a collection placed for {$2000.00} from a collection agency XXXX XXXX XXXX in XXXX, Ga who purchased the debt from CASHNET USA. 
I tried to dispute it the same day and XXXX sent a finished investigation today stating its accurate. 
I contacted XXXX XXXX and XXXX XXXX sent me the original application but it doesnt have the actual checking account number listed, a signature not drivers license listed. They sent the IP came from XXXX Tx which Ive never resided. Ive put a fraud alert on my account for a year and froze my account. 
This person used my previous apartment address with my old employers phone number from 12 years ago for contact info. Also, the email they used was XXXX which isnt mine. It looks like the original payday loan was for {$800.00} and the interest has accrued to now {$2000.00}. 
I feel like Im going in circles trying to access the original application. I also filed a identity theft report. Im not going to file a police report today as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I tried to open a to open a credit card to build my credit score and was told all I had to do is to First have the {$500.00} available and submit an application and it would take 24 to 48 hours being that I had to fund the account if I didn't have the money I wouldn't be able to use the service they wouldn't give me the opportunity to try I have a copy of they're denial letter I'm submitting!

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 2023-07-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
We applied for a 2nd Bank of America VISA XXXX XXXX  credit card after XXXX receive an offer in the mail. XX/XX/2023 {$100.00} statement credit. XXXX bonus miles and famous companion fare {$120.00}. We received the cards and I used mine to charge {$3700.00} on XX/XX/2023 for my first XXXX XXXXXXXX. Since then, we have been trying to get XXXX added as an " owner '' instead of just an applicant. Bank of America has not been honest and transparent with the application process. So this card did not show up online with our 5 other accounts, checking, savings, XXXX XXXX XXXX, 2 equity loan accounts. After calling them up, we were told that XXXX had to give his permission to add me as a co-owner. We did this. XXXX gave his permission over the phone and the rep claimed " her computer crashed ''. She told us to go into a bank branch. We did. XXXX tried 2 times to call the credit card phone XXXX. 2nd time we got through. To verify us, the rep tried to send XXXX 's work phone a code. It did not work. They tried to send a code to XXXX XXXX XXXX. It did not work. The bank manager had to confirm our identities on our drivers ' licenses. They then responded that this account would go to a board to decide if this change would happen or they would cancel and start a new account. So i used it a couple more times and paid the {$5000.00}, more than we have charged. NOTHING. We can not see this credit card and our transactions. We do not know why BA is denying this credit card. XXXX does not do any online banking and gave his permission for me to keep track of this card. XXXX is a community property state so why does this even matter? Maybe you guys can get BA to add me as an owner on this account so that we can see it online with our 5 other accounts.

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 2023-07-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
I snail mailed Navient my tax return in XXXX for XXXX and XXXX, along with a filled out income driven repayment request form. I finally reached somebody who took my information, told me my loan was good until next XXXX with my income. They had received a copy of my XXXX ( on file ) yet while the XXXX was in the same envelope, they did not. I have sent this information several more times, to receive an email today.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 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: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
Both myself and my husband have been a victim of identity theft and fraud on our Truist Bank checking and money market accounts. Fraudsters were able to conduct 3 fraudulent check transactions out of our accounts without our knowledge, authorization or consent. The transactions are as follows : {$5300.00} on XX/XX/XXXX, {$13000.00} on XX/XX/XXXX, and {$9200.00} on XX/XX/XXXX. 

We believe the fraudsters were able conduct these fraudulent transactions by washing our checks and impersonating our identities. I discovered the fraud XX/XX/XXXX and immediately reported it to Truist Bank the same day. Truist Bank conducted an investigation ( claim XXXX ) ; and while the bank determined the transactions to be fraudulent, they have denied to reimburse us due to our failure to notify the bank within 30 days of the fraud. However, the fraudulent check transaction for {$9200.00} on XX/XX/XXXX was reported within the 30 day timeframe, which Truist Bank has yet to reimburse us for. 

We requested assistance from XXXX, who sent Truist Bank supporting documentation via mail on XX/XX/XXXX, which detailed the fraudulent transactions being disputed. Truist Bank received these documents and still denied to re-investigate and reimburse us on the fraudulent amount. Due to our ages ( XXXX and XXXX ) and health conditions ( XXXX XXXX XXXX, XXXX, and XXXX  ), we believe Truist Bank has failed in protecting us from elder financial exploitation, and are requesting the bank re-investigate this matter, and reconsider their decision on reimbursing us for the stolen funds. I am also requesting that Truist provide me with any and all copies of records relating the the fraudulent transactions, including the investigator 's report who has denied our dispute. I hope to be reimbursed for the fraudulent transactions which Truist Bank failed to prevent.

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 2023-07-19 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: IL

Complaint narrative:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report.

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 2023-07-19 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Submitting docs. 
Paid old navy/Barclay 's bank on XX/XX/XXXX XXXX On XX/XX/2023 they finally found my money order however not after turning my life upside down

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 2023-07-19 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to bring to your attention an issue regarding a collection account that is being reported on my credit file. It has come to my attention that the collection agency associated with this account, XXXX XXXX XXXX, is not licensed to operate in the state of Texas. 

As a consumer, I have the right to ensure that any information reported on my credit file is accurate, fair, and in compliance with applicable laws and regulations. The licensing requirements for collection agencies in Texas are outlined in the Texas Finance Code, specifically Chapter 392. In this case, the collection agency 's lack of proper licensure raises concerns regarding the legitimacy and compliance of their debt collection practices. 
I kindly request that you conduct a thorough investigation into this matter and take appropriate action to remove the collection account from my credit file. The following details are provided to assist you in your investigation : Account Number : XXXX Collection Agency : XXXX XXXX XXXX Original Creditor : XXXX  XXXX XXXX  Date of Collection Account Reporting : XX/XX/2018 Furthermore, I have attached copies of any supporting documentation, such as correspondence or records, that demonstrate the collection agency 's lack of proper licensure in the state of Texas. 

The presence of an unlicensed collection agency 's account on my credit file violates my rights as a consumer under the Fair Credit Reporting Act ( FCRA ) and The Fair Debt Collection Practices Act ( FDCPA ). I trust that you will take this matter seriously and address it promptly to ensure the accuracy and integrity of my credit report. If necessary, I am prepared to pursue further remedies available to me under the FCRA and other applicable laws to protect my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 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:
I am writing to bring to your attention an issue regarding a collection account that is being reported on my credit file. It has come to my attention that the collection agency associated with this account, XXXX XXXX XXXX, is not licensed to operate in the state of Texas. 

As a consumer, I have the right to ensure that any information reported on my credit file is accurate, fair, and in compliance with applicable laws and regulations. The licensing requirements for collection agencies in Texas are outlined in the Texas Finance Code, specifically Chapter 392. In this case, the collection agency 's lack of proper licensure raises concerns regarding the legitimacy and compliance of their debt collection practices. 
I kindly request that you conduct a thorough investigation into this matter and take appropriate action to remove the collection account from my credit file. The following details are provided to assist you in your investigation : Account Number : XXXX Collection Agency : XXXX XXXX XXXX Original Creditor : XXXX  XXXX XXXX  Date of Collection Account Reporting : XX/XX/2018 Furthermore, I have attached copies of any supporting documentation, such as correspondence or records, that demonstrate the collection agency 's lack of proper licensure in the state of Texas. 

The presence of an unlicensed collection agency 's account on my credit file violates my rights as a consumer under the Fair Credit Reporting Act ( FCRA ) and The Fair Debt Collection Practices Act ( FDCPA ). I trust that you will take this matter seriously and address it promptly to ensure the accuracy and integrity of my credit report. If necessary, I am prepared to pursue further remedies available to me under the FCRA and other applicable laws to protect my consumer rights.

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 2023-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
On credit reports I never worked for XXXX XXXX I never worked for XXXX XXXX My name is NOT XXXX XXXX XXXX My name is NOT XXXX XXXX XXXX I NEVER had the addresses XXXX XXXX XXXX XXXX XXXX WA XXXX I NEVER had the addresses XXXX XXXX XXXX XXXX  XXXX XXXX WA XXXX I do not have any account with XXXX XXXX  Open I NEVER HAD any account with XXXX XXXX. EVER IN MY LIFE

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 2023-07-19 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: NY

Complaint narrative:
I have a son who is currently XXXX  years of age. I was divorced in AZ and finished paying child support 16 years ago. It was actually never in collections. My ex-wife opened a case in NY because NY law states that a father can pay child support until a child is XXXX, so the court put a temporary judgment against me until a hearing. My divorce decree was upheld and the case was dismissed. 

I have given backup documentation to all 3 credit bureaus and it remains on my credit reports. They have not taken it off my reports. It is hurting my credit and thus my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 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: NY

Complaint narrative:
I have a son who is currently XXXX  years of age. I was divorced in AZ and finished paying child support 16 years ago. It was actually never in collections. My ex-wife opened a case in NY because NY law states that a father can pay child support until a child is XXXX, so the court put a temporary judgment against me until a hearing. My divorce decree was upheld and the case was dismissed. 

I have given backup documentation to all 3 credit bureaus and it remains on my credit reports. They have not taken it off my reports. It is hurting my credit and thus my family.

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 2023-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: NV

Complaint narrative:
I called into the ERC XXXX Enhanced Recovery Company ) collection agency on XX/XX/2023 to remove the collection of {$1700.00} because it was due to identity theft and offered to send the identity theft report. They refused to walk me through the steps that were offered through their automated system and also kept insinuating and harassing me that the account was mine. I tried getting this resolved quick and offered the proper information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 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:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: CO

Complaint narrative:
I noticed a few months ago that there was a account on my report that is not mines, reached out to XXXX XXXX XXXX  about said account even told them the name is not my name but for whatever reason they refused to remove account now it is with a collection agency so I'm disputing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC
State: TX

Complaint narrative:
I received a title loan from Title Max. They charged me a high interest that no one told me about. I have been paying {$1100.00} a month for over a year and they say that I still owe them over {$10000.00}. I only borrowed {$2500.00}. I can not continue to pay them that kind of money every month for only them to tell me that my interest isnt going down. My monthly payment only let me rent my own XXXX car for a month. I have no more money and my car is about to be taken. How can I seek help. At this rate they will get {$20.00} for a {$2500.00} loan

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 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: NY

Complaint narrative:
My credit is being damaged through no fault of my own. Im looking for options to either pay off this mortgage, make automatic payments. I have no ownership in this home therefore I can not refinance. The primary borrower will not communicate with me. I am NOT being given monthly statements by the lender. I have NO control over delinquency on this account. I can ONLY access this account through my credit report & even though I check regularly, I dont have access to specifics until a month after its reported to show last payment made. I dont have information on how to pay, amount due, close out balance or how to assume full responsibility for the loan. I have not made a single late payment in over 30 years. I want to make sure that Im responsible for anything that I can control. I have no control over this mortgage. Lender even sent wrong info with another of their clients personal information enclosed. I wonder if my personal information was compromised 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 non-monetary relief
Consumer complaint received 2023-07-19 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: NY

Complaint narrative:
My credit is being damaged through no fault of my own. Im looking for options to either pay off this mortgage, make automatic payments. I have no ownership in this home therefore I can not refinance. The primary borrower will not communicate with me. I am NOT being given monthly statements by the lender. I have NO control over delinquency on this account. I can ONLY access this account through my credit report & even though I check regularly, I dont have access to specifics until a month after its reported to show last payment made. I dont have information on how to pay, amount due, close out balance or how to assume full responsibility for the loan. I have not made a single late payment in over 30 years. I want to make sure that Im responsible for anything that I can control. I have no control over this mortgage. Lender even sent wrong info with another of their clients personal information enclosed. I wonder if my personal information was compromised as well..

Company response to consumer: Closed with non-monetary relief