vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX, I deposited a check through Bank of America mobile app for {$13000.00} ( check # XXXX - XXXX XXXX XXXX ). I received notification that the deposit had been accepted and would be available the next day. I checked my email later the day and found out a 7 day business hold had been placed on the check and funds wouldn't be available until XX/XX/XXXX. I would have never deposited that check had I know ahead of time such a long hold would be placed on those funds. In addition, I initially received notification that the the funds would be available next business day. 

I called the bank on XX/XX/XXXX and was told that the bank the check was written on is refusing to pay the funds until XX/XX/XXXX at XXXX. This was a completely lie! This is a payroll check so I contacted my payroll department and they ensured me they never refused to honor the check until a specific date. I was completely lied to by Bank of America on top of them holding my funds XXXX with no advance warning. 

I understand that a bank has a right to hold your funds but there should be advance communication prior to you continuing with the deposit. I would have never deposited the check had I had known this. Completely unethical for a bank to hold your funds after they have been paid the money. This has caused bounced checks and an inability for me to pay bills. Completely unacceptable that a consumer is being treated this way.

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 2020-10-19 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: TX

Complaint narrative:
Equifax is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
I ( Consumer ) have disputed validity of debt via all three ( 3 ) credit bureaus without resolution. 

On XX/XX/XXXX, I dialed ( XXXX ) XXXX at XXXX XXXX, on a recorded line, to request Cavalry Portfolio Services , LLC ( Debt Buyer ) prove : 1 ) prove how much I owe via full accounting details, 2 ) that I owe the alleged debt via signed credit agreement between Consumer and original creditor ( XXXX  XXXX ), and 3 ) that it actually has the right to collect on the alleged debt via signed purchase agreement or contract between original creditor and Debt Buyer. Alternatively, in violation of FDCPA, I requested all negative/false tradelines associated with this account be removed from all 3 credit bureaus. 

On XX/XX/XXXX, I received correspondence from Debt Buyer whereby they failed to provide : 1 ) full accounting details totaling alleged amount owed ( Exhibit 1 ), 2 ) signed credit card agreement between me, the consumer, and alleged original creditor ( Exhibit 2 ). Most disturbing, they provide what appears to be a robo-signed or " false affidavit '' regarding the alleged debt ( Exhibit 3 ) that lists alleged DATE OF PURCHASE ( XX/XX/XXXX ) the PRE-DATES alleged Charge Off ( XX/XX/XXXX ). 

The FDCPA prevents any debt collector from collecting amounts that they are not expressly authorized to collect under contract, and it also prevents debt collectors like Cavalry Portfolio from using deceptive, false, or misleading representations in the course of  collecting a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Creditors Bureau Associates
State: GA

Complaint narrative:
Dear Officer of the XXXX, I am XXXX XXXX. I required XXXX on XX/XX/2020 and XXXX XXXX XXXX You completed my XXXX  XXXX  report. I am part of the XXXX  XXXX   XXXX  in XXXX XXXX A program that verifies that one has no income or benefits and provides basic medical services for those who are not eligible for XXXX or XXXX. 
Since then, for {$210.00} XXXX XXXX  has been sending invoices to me with the last on threatening collections on someone who has {$40.00} in their bank account and who lives with her son. 
My son called and spoke on my behalf to XXXX, sent everything they needed to verify financial need ( they said that they had a program for this ) but has been ignored by them ever since. He spoke to XXXX on XX/XX/2020 and then her supervisor XXXX XXXX later. 
XXXX XXXX XXXX was rude and unprofessional, asking discriminating questions like " is the patient legal in this country '' and the like and ultimately decided that they would not waive the {$210.00}. 
Numerous emails asking for details of the services provided have been ignored. 
Request for contact information for XXXX XXXX XXXX XXXX and CEO of XXXX, and XXXX XXXX XXXX the XXXX have been ignored. 
Requests for " Any paperwork that you may have showing we agreed to cover doctor fees and All other paperwork that you may have '' have been ignored. 

The company has now sent me to collections, I have no income, I have no money, my son pays for my basic needs and houses me. Am I to now fight a collection company because I was unfairly sent to them for months on end??? 

I am writing to other appropriate government agencies to ensure that other poor patients are not harassed in this way. 
Thank you for helping me and other patients by providing this safe space to complain.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Hi & How are you doing? Im little confused how the late payments is reporting on my credit report. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The late payments you have reported to the three credit bureaus. 

My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
To whom it May concern I have contacted " Portfolio Recovery Associates '' Several times over the past few months of this year asking for them to validate this debt belongs to me. It started with 3 accounts they were claiming were mine. After disputing with them several times I contacted the 3 better business bureau 's to do a dispute. After my dispute one of the accounts were removed last month. The removal of one of the accounts are further proof that the other accounts do not belong to me. I have asked in my letters for proof that this debt belongs to me with my ink signature bonding me to this account in my 609 letters that i have sent several times. Portfolio has only sent me letters claiming this debt is mine by using old addresses. I have asked besides using old addresses they can not say this is my debt without a ink contract or any contract. It was never sent. The accounts : XXXX and XXXX should be removed immediately from their data base and should be stopped from reporting to all credit bureau 's. This is greatly impacting my credit and I have not been given accurate proof that this debt belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 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: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
SYNC/Care credit is reporting inaccurate information on my credit file. These erroneous lates on my credit report, when it should be on my parents Care credit account. XXXX XXXX & XXXX XXXX. The XXXX put my parents bill on the wrong care credit account. My parents are co-signed with me on one account, but they also have their own, which is the one that the XXXX  needed to use. The XXXX made this mistake. I have not used this card and should not have any lates on mine. This needs to be fixed immediately. 
I had filed a dispute previously not knowing this until I started investigating this issue.

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 2020-10-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have been disputing these erroneous accounts for over a year please help me. 

( no name ) act # XXXX XXXX  XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX # XXXX {$560.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX ) At # XXXX {$930.00} XXXX   XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX  XXXX VA XXXX XXXX {$1600.00} XXXX no name XXXX act # XXXX {$240.00} ( no name XXXX act # XXXX {$100.00}

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 2020-10-19 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: VA

Complaint narrative:
I have been disputing these erroneous accounts for over a year please help me. 

( no name ) act # XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX A XXXX XXXX # XXXX {$560.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX ) At # XXXX {$930.00} XXXX   XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX  XXXX VA XXXX XXXX {$1600.00} XXXX no name XXXX act # XXXX {$240.00} ( no name XXXX act # XXXX {$100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 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: MoneyLion Inc.
State: FL

Complaint narrative:
On XX/XX/2020 unauthorized charges on my account were made ( {$800.00} worth ). MoneyLion was notified within minutes due to my alerts on my account. I was told charges were pending and could not dispute. I had to go through my own cancellation of my card. It is now XX/XX/2020. There have been 17 calls made with multiple agents making up things on the phone. Called today and the agent didn't see my dispute until after almost a 10-minute hold. I still have multiple charges pending that have been then there for almost 30 days. 

They send dispute forms through SMS but want you to email it back to them. I had to email them 3x before they finally " got '' the dispute forms. Agents say it takes 20 business days to add a dispute credit. All that on top of them not allowing you to transfer money out of your own account. I have never had a banking experience this unsavory in my entire life. I just want my money back so I can move on to someone who cares about their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 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: CA

Complaint narrative:
Dear Transunion, I checked my personal credit report, which I acquired from your company on XXXX of XXXX and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/XXXX is still being reported on my credit report. I contacted XXXX XXXX   XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX   XXXX, they can not see the inquiry and so they can not remove something that isnt there. I request that you initiate a REINVESTIGATION into XXXX XXXX   XXXX XXXX XX/XX/XXXX ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter.

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 2020-10-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

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 2020-10-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: UMPQUA HOLDINGS CORPORATION
State: WA

Complaint narrative:
This is a continuation on item XXXX which was closed by cfpb without addressing the complaint about allowing payments to cover the mortgage. Umpqua Bank is servicing the escrow first and not allowing the mortgage to be paid.

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 2020-10-19 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
hi, i submitted disputes for personal info on XX/XX/2020 also letters for a 60 day no response XXXX XXXX XXXX  and disputes for collections XXXX XXXX XXXX  with no response.

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 2020-10-19 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
hi, i submitted disputes for personal info on XX/XX/2020 also letters for a 60 day no response XXXX XXXX XXXX  and disputes for collections XXXX XXXX XXXX  with no response.

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 2020-10-19 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: CA

Complaint narrative:
Dear Experian, I checked my personal credit report, which I acquired from your company on XXXX of XXXX and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/XXXX is still being reported on my credit report. I contacted XXXX XXXX XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX, they can not see the inquiry and so they can not remove something that isnt there. I request that you initiate a REINVESTIGATION into XXXX XXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter.

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 2020-10-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Hi & How are you doing? Im little confused how the late payments is reporting on my credit report. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The late payments you have reported to the three credit bureaus. 

My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late.

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 2020-10-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX, XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$5800.00} past due as of XX/XX/2020. 
Account TypeCollection Balance {$5800.00} Date XXXX Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, TX 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 2020-10-19 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: Debt Recovery Solutions, LLC
State: CA

Complaint narrative:
I checked my credit report and saw something in Collections that said debt recovery solutions. I have never had any thing in collections. The amount says {$310.00} and that it was opened this year. I never pulled out a loan this year, nor have I even been able to get accepted for one. Someone must have stole my information online which is weird because I cant even get approved for a loan with how low my score is. I have no idea how this happened. Its fraudulent. I never opened it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 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: CURO Intermediate Holdings
State: TX

Complaint narrative:
This acct # XXXX does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 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: TX

Complaint narrative:
Experian is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

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 2020-10-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Oplis Financial LLC
State: UT

Complaint narrative:
I originally took out the original loan for XXXX, i XXXX  my XXXX  due to XXXX  and they added on an extra XXXX  dollars after i paid them XXXX already. We agreed upon a settlement for XXXX.They took out an extra XXXX dollars for not responding to an email without sending me an statement.

Company response to consumer: Untimely response