vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-04 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: NJ

Complaint narrative:
on XX/XX/2022 I contacted bank of america credit card services to discuss the derragatory reporting on my credit report as well as request the reopening of the account. Bank of america refused to comply.BANK OF AMERICA has closed my credit as a result a result of adverse action. Adverse Action is defined in regulation as a termination of an account or an unfavorable change in the terms of an account that does not effect all creditors. Bank of America is in violation of 15 USC 1681m which states that any action that adverse to the interest of the consumer or their benefit is a violation. Bank of America is also in violation of 12 CFR 1026.11 ( b ) ( 1 ) which states that an account can only be terminated if the credit agreement determines that the open end plan has reached the stated expiration date. This revolving account has no expiration. The account was also not inactive. Bank Of America are also in breach of contract because they have are not performing their fiduciary duty to benefit me the way that I see fit, I have not benefited from a closed account nor have I benefited from negative information being reported to my consumers account. Fiduciary is defined as trustee owing a fiduciary duty with respect to an instruments. I signed an application that stated that I promise to pay a certain sum of money. When I signed the negotiable instrument ( UCC 3-104 ) which was an unconditional promise to pay Also known as the credit instrument and security Bank of America benefited and I did not. Bank Of America Failed to fufill their Fiduciary. Bank of America also reported late payments to Consumer reporting agencies without my consent which is a violation of 15 USC 1681 ( a ) ( 4 ) a consumer has a right to privacy. There is also no section of the Fair Credit Reporting that defines late payments. Bank Of America is also in violation of 15 USC 1666b ( a ) which states that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I am demanding the removal of the reporting of late payments as well as the reopening of the account. They have also reported this account as closed to the Consumer Reporting Agencies. This account was not closed by me which means that Bank Of america has made inaccurate reports to consumer agencies as well made unauthorized activities on my account. This has had substantial impact on my finances. I have been denied credit countless times because of bank Of Americas unfair and abusive practices which I could not have avoided. Bank Of america is solely responsible for their actions. I have not benefited at all from bank Of americas actions.

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 2022-03-04 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: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
Someone from XXXX XXXX XXXX called me on behalf of spectrum mobile and demanded for me to pay for a router that I got from XXXX  when I had them as my service provider. 

I have provided them a proof of my last bill that said all dues are paid and nothing is pending from me. No one from XXXX ever even called me to request the router back. 

When XXXX called me, I told them that I wouldnt pay what they are demanding however if they want I can return the equipment right away ( its of no use to me ), they rejected my request and a few days later I suddenly see they have negatively reported on my credit. This is how these people make money from unaware and helpless consumers. Please help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 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: AZ

Complaint narrative:
Twice over the last 5 years I've watched my score plummet by as much as +/- XXXX points! 
The first time was over 5 years ago, the second, just the other day! 
I asked for an explanation as to your protocol for changing these but was given NO EXPLANATION, simply a well, I don't know. 

I have NOT been late nor have I missed ONE PAYMENT in +/- 15 years! 

My score, prior to the first attack was nearly XXXX Now, after these XXXX attacks and IN SPITE of no late/missed payments you have forced it down to +/- XXXX! 

Will you explain your logic to me? It makes absolutely no sense! 

You may check my history back as far as needed to see both attacks, What you will NOT see are any missed/late payments! 

Overall, I've had my score drop from +/- XXXX to +/- XXXX! Despite not having any missed/late payments in more than a decade! 
I've approached both transunion AND XXXX and have gotten nothing but " ... Can't explain it XXXX XXXX. 
Do these credit reporting agencies answer to anyone? How are they able to get away with actions such as this?

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 2022-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report.

Failure to do so is a violation of my 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 2022-03-04 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: FL

Complaint narrative:
I sent letters to XXXX, XXXX and TransUnion on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 36 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2022-03-04 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Twice over the last 5 years I've watched my score plummet by as much as +/- XXXX points! 
The first time was over 5 years ago, the second, just the other day! 
I asked for an explanation as to your protocol for changing these but was given NO EXPLANATION, simply a well, I don't know. 

I have NOT been late nor have I missed ONE PAYMENT in +/- 15 years! 

My score, prior to the first attack was nearly XXXX Now, after these 2 attacks and IN SPITE of no late/missed payments you have forced it down to +/- XXXX! 

Will you explain your logic to me? It makes absolutely no sense! 

You may check my history back as far as needed to see both attacks, What you will NOT see are any missed/late payments! 

Overall, I've had my score drop from +/- XXXX to +/- XXXX! Despite not having any missed/late payments in more than a decade! 
I've approached both XXXX AND Experian and have gotten nothing but " ... Can't explain it XXXX XXXX. 
Do these credit reporting agencies answer to anyone? How are they able to get away with actions such as this?

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 2022-03-04 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: Chime Financial Inc
State: TX

Complaint narrative:
Ive contacted chime to let them know I had fraud on my account in within minutes was denied. I then sent information to support like a police report, pictures that I was in the hospital at that time and they said wait 45 days. I contacted them sooner and within two days said I was denied again and everytime I ask for the paperwork nothing is on it but no error occurred. I just want me money at this point. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
Police met with VICTIM who advised the details of the incident. VICTIM advised that on XX/XX/21, he was contacted about suspicious lines of credit being opened in his name. VICTIM noted for his credit score to have suffered and began to look for evidence. VICTIM advised that he had two seperate emails in his junk folder about lines of credit opened in his name that he did not authorize. VICTIM advised that he tried to gain more information but was denied until he filed a police report. Police noted for one email to be a from ACIMA credit and to contain a purchase agreement for a rental. Police noted the other email to be from XXXX! about a lease agreement for a purchase at XXXXXXXX XXXX XXXXXXXX XXXX XXXX Police noted the XXXX had a bill for {$2700.00} and the XXXX! to have no amount specified. Police attached a copy of both emails to the report. VICTIM advised he wished to pursue charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian has a data breach, and my account keeps getting hacked. They have changed my name and my phone number on my fraud alert. I had my account frozen ; the hacker froze it and kept opening bank accounts in my name. Please help. Ever since Experian started advertising on XXXX, everyone 's account keeps getting hacked.

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 2022-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
It's my last day to pay my rent in time. I like to pay my rent in person with my landlord so she can give me a written receipt. Due to work schedules her and I have been missing each other so we've decided let 's do XXXX that way we can have a virtual receipt. I tried to send the money via XXXX and it was denied saying I need to call the bank to verify me. When I called in one of the automated messages stated the bank will never call me to have me verify myself by having a code sent to my phone and asking for that code. So, I took that very seriously. The first guy I spoke to went through a verification process with me then he said he had to transfer me to security. I the go on hold. I was on hold so long I started joking around with my roommate and friend. One whom is XXXX  and the other is mixed. They both were making XXXX jokes to me then someone picked up the line. As I'm waiting in between the person on the phone to do whatever it is he is doing we are all still playing around. The guy then says he needs to verify me. I'm like okay cool. He then says he sent a code to my phone and I need to give it to him. I tell him there has to be another way to verify me because the automated system just said you guys wouldn't ask me for a code. He then goes on to say this is his job don't tell him how to do his job. First of all that's rude because it's my account with my funds and if there were no accounts there would be no job. The guy begins laughing and etc and I say hey I don't see what's funny. Anyways, my friend says something and I yelled out I'm sick of XXXX XXXX XXXX people. The guys goes on telling me I don't need to be XXXX etc and continues on being rude. Regardless to what I say he doesn't know who I'm speaking to. He's supposed to provide customer service. Now I have to pay a {$50.00} fee because they didn't want to do their job. I kept asking for a supervisor about XXXX times. The supervisor kept asking questions that the initial guy had already asked me. So, I'm confused because I was supposed to be transferred so he should have had all of information pulled up. I am highly upset right now. I was supposed to be in bed hours ago yet I'm up dealing with this nonsense. Something needs to be done and something needs to be done asap. For the record I never received a code. The supervisor just XXXX me off even more because he tried to act as if he was being professional but I know exactly how the field is as per Ive worked in the field myself for 12 years or so. XX/XX/2022 at XXXX is when the call was made. Navy Federal Credit Union

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-04 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: GA

Complaint narrative:
In according with the FCRA convergent account below has violated my rights In accordance 16 USC 1681 Section 1602 A states I have the right to privacy.

16 USC 1861b Section 2 also states : A consum
er reporting agency can not furnish a account without written instructions. 

XX/XX/XXXX XXXX XXXX XXXX Partial Acct XXXX {$1800.00} XX/XX/XXXX XXXX XXXXXXXX Acct XXXX XXXX {$110.00} XX/XX/XXXX XXXX XXXX Acct. XXXX {$0.00} ( 3 Entries ) XX/XX/XXXX XXXX XXXX Acct. XXXX ... {$1300.00} XX/XX/XXXX XXXX XXXX XXXX Acct. XXXX {$4400.00} XX/XX/XXXX XXXXXXXX XXXX XXXX Acct. XXXX {$240.00} XX/XX/XXXX XXXX XXXX XXXX GA XXXX ID # XXXX XX/XX/XXXX XXXX XXXX  Acct. XXXX {$860.00} XX/XX/XXXX XXXX XXXX XXXX Acct. XXXX {$78.00} XX/XX/XXXX XXXX XXXX Acct. XXXX {$200.00} XX/XX/XXXX XXXX XXXX Acct. XXXX {$860.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 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: GA

Complaint narrative:
In according with the FCRA convergent account below has violated my rights In accordance 16 USC 1681 Section 1602 A states I have the right to privacy.

16 USC 1861b Section 2 also states : A consumer reporting agency can not furnish a account without written instructions. 

XX/XX/XXXX XXXX XXXX XXXX Partial Acct XXXX {$1800.00} XX/XX/XXXX XXXX  XXXX Acct XXXX XXXX {$110.00} XX/XX/XXXX XXXX XXXX Acct. XXXX {$0.00} ( 3 Entries ) XX/XX/XXXX XXXX XXXX Acct. XXXX ... {$1300.00} XX/XX/XXXX XXXX XXXX XXXX Acct. XXXX {$4400.00} XX/XX/XXXX XXXX XXXX XXXX Acct. XXXX {$240.00} XX/XX/XXXX XXXX XXXXXXXX XXXX GA XXXX ID # XXXX XX/XX/XXXX XXXX XXXX  Acct. XXXX {$860.00} XX/XX/XXXX XXXX XXXX XXXX Acct. XXXX {$78.00} XX/XX/XXXX XXXX XXXX Acct. XXXX {$200.00} XX/XX/XXXX XXXX XXXX Acct. XXXX {$860.00}

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 non-monetary relief
Consumer complaint received 2022-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NV

Complaint narrative:
This is a debt collection in the amount of XXXX This account is does not belong to me. They claim the original account was XXXX XXXX. I have contacted XXXX XXXX in XXXX when this amount first appeared on my credit report. There is no record of a debt under my social security number. Furthermore, I filed a dispute with all three credit bureaus in XXXX via certified copy letters. The charge/account was found to be an error. The accounts were removed within 2 months. In XXXX the charge reappeared on my credit report as Jefferson Capital. I have made repeated attempts to notify this collection company that the charge had been investigated and does not belong on my report. The call center agents have not provided any documentation that would show proof this account is linked to my social security #. 
This type of erroneous reporting is a violation of the Fair Debt Collection Practice Act. The fact that this account has been single reason for the delay of my mortgage preapproval letter since XXXX of XXXX exemplifies how this reporting system violates customers civil right as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-04 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: AZ

Complaint narrative:
Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the account completely from my Credit Reports : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 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: AZ

Complaint narrative:
Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the account completely from my Credit Reports : XXXX XXXXXXXX

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 2022-03-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
This company is in violation of the Homebuyers Bill of Rights by dual tracking. They sent me letters to confirm everything was okay. They applied the almost XXXX in suspense to my account. Started regular servicing after XXXX XXXX and modification agreement. They had me sign XXXX different modification documents. What they are doing now is criminal at least. They sent me a letter in XX/XX/XXXX stating that my modification was denied because I said I didn't want it. Giving me two options short sale or give them the loan and walk away owing nothing. They later apologize and said it was corrected. Note they were in possession of almost XXXX in suspense and XXXX in escrow. My monthly payment at the time of modification was XXXX payed up until XX/XX/XXXX. I had more than enough to cover 6 months of mortgage sitting in suspense as well as cover money needed for escrow. I will provide bank statements. After placing me in normal servicing they put me back in the modification process on XX/XX/XXXX. This has caused me severe mental distress. They put me in default and bought my loan in XX/XX/XXXX. I owe less than XXXX and my home is worth XXXX. I have the resources and support to pay my mortgage for the next 2 years. Why would I do a short sale or give them my home. I know its because I am a XXXX XXXX  over the age of XXXX. These practices are in violation of my civil rights as well as my homeowners rights

Company response to consumer: Closed with non-monetary relief