vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-17 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: National Credit Adjusters, LLC
State: GA

Complaint narrative:
Since XX/XX/XXXX, I have been in communication with National Credit Adjusters a collection agency that bought a debt from XXXX XXXX. 


On XX/XX/XXXX, NATIONAL CREDIT ADJUSTERS, has failed numerous times in providing me a copy of my legal signature where I owe them {$3000.00} .The original creditor is not NCA it is XXXX XXXX . I reported the information with copies of the back and forth communication and certified letters to XXXX showing NCA refused to show my original signature but NCA has still certified to XXXX that the information is accurate. XXXX still allowed NCA to certify that it was my account despite documentation proving that it is not. This item was not changed as a result of our processing of my dispute. Neither XXXX nor National Credit Adjusters have provided me proof of the loan documents bearing my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BREMER BANK, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
Bremer Bank is discriminating against me because of my race, me being XXXX XXXX XXXX XXXX ) by denying me an opportunity to apply for credit and open up a checking account with Bremer Bank online and in person. Bremer Bank is in complete violation of the 1974 Equal Credit Opportunity Act ( ECOA ) under federal law. Full name : XXXX XXXX XXXX, DOB : XX/XX/XXXX, SSN : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied International Credit Corp., (US)
State: IL

Complaint narrative:
I received a notice from Allied International Credit Corp ( AIC ) asking to pay a balance of {$1800.00}. It said an account was referred to their office by XXXX the creditor. It said I must notify their office in writing within 30 days from receiving the notice if I want to dispute the validity of the notice. It also asks to remit a payment to the address of : Allied International Credit Corp XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX It also says payment can be made by signing into XXXX and making a one time payment to bring the account up to date. 
I have not opened an account with XXXX so this debt is not valid. 
I have not notified AIC or XXXX regarding this because I have not opened an account with XXXX so I feel this is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XX/XX/2021 my credit scre dropped over 34 points from transunion and XXXX. A couple weeks earlier it had dropped 10 points. All for no reason. I believe your problem is with the algorithms programmed in your system. These algorithms only account for half of the calculation. They show how much credit you have used in a month but fail to show that I have XXXX  out the balance when the statements are due. As of today my credit card balances are all 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 2021-01-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Problem with a trade-in
Company: Cars Financial, Inc
State: VA

Complaint narrative:
XX/XX/XXXX I was approved for a XXXX XXXX XXXX through cars finicial inc division of shelor motor mile inc I traded a XXXX XXXX XXXX and then XXXX down I been makeing my payments on time for a year never been late I was told by cars financial that they would report to XXXX XXXX and XXXX  they never did I ask for a vehicle report never got one I was never told the XXXX XXXX XXXX had manufactured warranty still on it also the car was totaled XX/XX/XXXX I was hit from behind XXXX insurance did run a credit report showing shelor motor mile inc and cars financial sold me a repo this car was a repo they did from another customer come to find out shelor did not auction the car off they told the other customers they did this what was left on it to be paid instead of auctions off they just put it back on there lot re selling it through cars financial in other words they committed fraud to the other customer that XXXX XXXX was never auctioned off that is takeing money with intent to defraud I was coned into buying it to hide there crime

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17 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: EQUIFAX, INC.
State: NY

Complaint narrative:
ON XX/XX/2021 my credit scre dropped over 34 points from XXXX and equifax. A couple weeks earlier it had dropped 10 points. All for no reason. I believe your problem is with the algorithms programmed in your system. These algorithms only account for half of the calculation. They show how much credit you have used in a month but fail to show that I have XXXX  out the balance when the statements are due. As of today my credit card balances are all XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I am having issues opening up a Capital One Bank 360 Checking Account. Capital One Bank is discriminating against me deny me credit and an opportunity to open up a checking account due to a previous Capital One Bank 360 Checking Account that was discharged in bankruptcy court under Chapter XXXX. Capital One Bank is also discriminating against me because of my race, me being XXXX American ( XXXX ). Capital One Bank is in violation of of the 1974 Equal Credit Opportunity Act ( ECOA ) under federal law. Full Name : XXXX XXXX XXXX, DOB : XX/XX/XXXX, SSN : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I am a victim of the Wells fargo scam many years ago. When the unauthorized accounts were open in mu name. I have gotten a part of the settlement but my credit score has/is being impacted by this. I had paid the account in order to purchased a home but I need this fraudulent closed account removed from my credit report. I shouldn't continue to be impacted by Wells Fargo any more.

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 2021-01-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
After experiencing financial hardship in the form of two job losses due to the pandemic, as well as extreme medical issues - XXXX, XXXX, XXXX  XXXX, and subsequent XXXX  that resulted in the XXXX XXXX of my son, who was placed in the NICU, I fell behind on my card payments. I attempted to make these payments, but was locked out of my account and required the full account number to regain access. Since my family was forced to move after two job losses, all documentation/physical bills were in moving boxes and inaccessible for a time. I contacted Bank of America on XX/XX/2020 to request help unlocking my online account and to bring my account current. I spoke with 2 customer service representatives on the XXXX, and at no point was I informed that my account had been closed as of XX/XX/2020. I discovered the account was closed while monitoring my credit report. Even now when logging in to my online account there is no indication that my account has been closed with the home page reflecting a total credit limit of {$3600.00}. Had I known on XX/XX/XXXX the account had been closed, I would have requested that day that it be reopened. I have been in regular contact with Bank of America regarding this issue, spending multiple hours on hold and finally requesting a call-back from a manager. I waited several days for this call-back, only to be told that, now that more than 60 days has gone by, the account can not be reopened. Had I been informed on XX/XX/2020 it was closed, or on XX/XX/XXXX, when I called and spoke with 2 different representatives, I would have immediately began the process of advocating for its reinstatement. My requests to open the account began within that 60 day period, only to be ignored.

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 2021-01-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
I contacted all 3 credit bureaus and asked them to remove this closed account off my reports it has been almost 7 years since they received a payment so it should have fallen off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
This company - NAVIENT ( phone XXXX ) - called me about 5 or 6 Months ago. They said I owed money to a service company in XXXX, Tx. ( I forgot the companies name, I believe it concerned some financial service. I immediately called the service to be sure I did not owe them anything. I don ' t believe I had ever done business with them, they agreed that I did not owe them. Navient has continued to call 2 or three times a day, and usually around XXXX XXXX  ( central ). I have not answered for several months, I simply hang up. I would like to stop them from calling, am I at the right place? Thank you for a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: ALLY FINANCIAL INC.
State: MN

Complaint narrative:
Ally Financial is discriminating against me by denying me credit and an opportunity to open up a checking account online. Ally Financial is also discriminating against me because of my race, me being XXXX American ( XXXX ). Ally Financial is in violation of the 1974 Equal Credit Opportunity Act ( ECOA ) under federal law. Full Name : XXXX XXXX XXXX, DOB :XX/XX/XXXX, SSN : 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 2021-01-17 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: OK

Complaint narrative:
On XX/XX/2021, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) added a derogatory mark on my credit report per Experian. Upon further research, this account was transferred/sold and originally belonged to a corporation with no personal guarantee, so I am not responsible for the account. Debtor 's creditor did not verify this collection. Also, there was no written form of communication, contract, or wet-ink signature for this debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mine. Further, any member of a corporation could sign for a bill owed by the corporation but that does not make the signer personally liable for the company 's debt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported this derogatory mark to credit bureaus without verification and I disputed the alleged debt through Experian on XX/XX/2021, the same day the alleged debt was reported. The dispute was closed by Experian on XX/XX/2021 with the following comment, " Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). '' Again, no discovery or verification of the alleged debt took place. It is possible that I received a phone call from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX during which the collection agent attempted to elicit information from me regarding the alleged debt without first stating that the purpose of the call was an attempt to collect a debt. It is also possible that consent was not obtained from me prior to recording the call as I may have taken the call in the privacy of my home. There are multiple complaints filed against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the CFPB Consumer Complaints Database and with the XXXX XXXX XXXX The negative mark has caused a significant drop in my credit score. I'm worried that this false reporting and failure by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Experian to validate the debt before reporting the negative mark will adversely impact by ability to pass a background credit check as part of the onboarding process I am going through to secure employment during the COVID-19 pandemic. According to FCRA and FDCPA, XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.

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 2021-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
citibank, na, XXXX XXXX sd, ( bank for my XXXX  XXXX  card ) sent me a notice that my account was past due. it was reported with the high balance to XXXX  that included exorbitant fees. i had paid. I sent the canceled check. they argued and did not credit and kept threatening that i had not paid. XXXX  did not remove the high balance and my credit score went down. I disputed with XXXX, bank card said they did not have any information in letter format and that I needed to write them a letter. no.

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 2021-01-17 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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Due to the national pandemic, creditors were NOT reporting late payments to the credit beuru. Capital One Bank put me on a COVID monthly plan and were NOT suppose to report it since I was making the COVID payments we agreed. In fact they I was told that they were not reporting it if I do make payments or not while being approved for a COVID plan. I find it extremely unfair that they reported me during unprecedented times. Not one of my other credit card companies did this. I believe Capital One should be fair and remove the late payments during the beginning of the out break. Please try to see what you can do, we are all suffering enough and for them to do that, is really disheartening. 

Thank you, Stay healthy XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-17 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: NY

Complaint narrative:
I have been taken advantage of i have accounts on my credit report that i never authourized.

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 2021-01-17 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 — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX, a fraudulent charge of {$39.00} appeared from the company XXXX. I have never had any business with this company and other individuals online have reported this same issue of unauthorized charges from this company appearing when they have never purchased anything. I tried calling this company but there is no real consumer service, just a recording where you are disconnected. The card issuer seems to be in this scheme with them as for both disputes, I was told I was responsible for the charges. I have also had this card replaced, reporting it stolen. I contacted agents twice at the card issuer and was told it would be handled but clearly they lied to me. When did American Express become an enabler of credit card fraud? They treat their loyal customers as the criminals, not scam merchants with a long online history of engaging in this fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-17 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have been taken advantage of i am A victim of identity theft there are accounts that are on my credit report that i never authourized.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17 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: NY

Complaint narrative:
I have been taken advantage of i am A victim of identity theft there are accounts that are on my credit report that i never authourized.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
XXXX, XXXX, XXXX XXXX sd, ( bank for my XXXX  XXXX  card ) sent me a notice that my account was past due. it was reported with the high balance to Experian that included exorbitant fees. i had paid. I sent the canceled check. they argued and did not credit and kept threatening that i had not paid. Experian did not remove the high balance and my credit score went down. I disputed with Experian, bank card said they did not have any information in letter format and that I needed to write them a letter. no.

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 2021-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
I had a previous Bank of American checking and savings account that was closed and had a negative balance. The balance and debt I owed to Bank of America, was discharged under Chapter XXXX Bankruptcy on XX/XX/XXXX in the United States District Court District of Minnesota Bankruptcy Court. Bank of America is discriminating against me by denying me credit and an opportunity to open up a Bank of America Checking Account and Savings account due to the previous accounts I had with Bank of America, which the debt I owed to Bank of America was discharged in bankruptcy court under Chapter XXXX. Bank of America is discriminating against me because of my race as well, me being XXXX XXXX ( XXXX ). I deserve a second chance checking account with Bank of America. Bank of America is in complete violation of the 1974 Equal Credit Opportunity Act ( ECOA ). Full Name : XXXX XXXX XXXX, DOB : XX/XX/XXXX, SSN : 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 2021-01-17 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: FIRST NATIONAL BANK OF OMAHA
State: TX

Complaint narrative:
Had XXXX card for gasoline, XXXX discount at pump. XXXX  ended program. First National Bank of Omaha was card issue. Sent new card, not interested in card, never activated, never used. Billed XXXX in fees. Payed fee and closed account on XX/XX/XXXX. Billed again on XX/XX/XXXX for XXXX for fees on card never activated, used or requested. Why is FNBO charging fees on card never activated, used or requested??

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 2021-01-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: CA

Complaint narrative:
XXXX XXXX ERC is claiming I still owe them debt even after I had returned my phones. They told me over 5 years ago that If I returned my phones and paid my bill for that month I would no longer owe. Turns out they claimed they never received the phones back and I still owed them XXXX dollars. Also they kept harassing me after I told them to stop calling me. I should not be responsible for this debt because not only has the statue of limitations passed but they tried to reopen the debt without my knowledge. It should not be showing up in my collections either.

Company response to consumer: Closed with explanation