vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hello, I had a credit card with XXXX XXXX XXXX. I paid it off and closed it in XXXX. The card is still on my account. I want this account to be deleted from my account. I sent disputes to transunion they refused. I asked the company they refused. I want this account deleted from my account. It is paid off. This is harassment. XXXX XXXX XXXXXXXX is doing harassment. I will get the XXXX XXXX if I have to and make it public and ask to be paid damages for harassment. They better take this account off my credit report. It is paid off and it is old. Take it off my account. This is harassment. XXXX XXXX XXXXXXXX XXXX XXXX  XXXX is XXXX XXXX company. 

Thank you! 

Sincerely, 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 2023-02-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP
State: AK

Complaint narrative:
I was sent a letter notifying me that US Bank had closed my credit card account after a thorough review. The letter indicates that Im in default under the terms of the CardMember Agreement. Per the default provisions, of the said CardMember Agreement, I am being accused of making false statements on account application or in the maintenance of my account, that my account is in danger of or being used for fraud, and Im not living up to my obligations under the said CardMember Agreement. I have had my card for awhile and Ive always made my payments on time. I have never been accused of crimes like fraud. Im an XXXX XXXX Retired XXXX Veteran. I take my responsibilities very seriously. Its a defamation of my character, and to be accused of being a criminal is sickening. While talking to Customer Service, I was berated and asked why I was making certain purchases. Im so disappointed with US Bank to question my integrity or flat out being a criminal. The letter sent to me didnt explain what I did wrong, but o have done nothing wrong. The Customer Authentication Department didnt have the courage to even sign the false statements in the letter. Very unprofessional and cowardly. By closing my account they have doubled the payment amount to XXXX. XXXX on a Veterans XXXX amount. I cant afford that amount XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
It was reported that i was XXXX days late on a payment that was suppose to been automatically deducted. When i check the payment history it shows for the month of XXXX XXXX  i made my payment. But its still being reported that its late. The dispute process is nerve wrecking due to the facts that it doesnt provide a reason on the decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America have not revealed my claim and they have not given me the Provisional credits as their policy States Also I filled a hardship In which I have not been credit for neither I've been calling and calling day after day and I still get the same answer and that you for calling card holder services What can I help you with and the operator also States Can I have your XXXX digit card number or your XXXX digit social secrity number, date of birth, and What is the answer to your security question we have on file.arter answering they just keep telling me to call back because my claims are still pending as a result to that now I am fighting an Eviction cause I couldn't pay my rent

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 2023-02-17 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Bank of America called me me in early XXXX, I believe around XX/XX/2023 to report fraudulent activity on my card. The man on the phone claimed that someone was trying to ship things to Texas, and I confirmed that I did not make those purchases. He began shutting down my credit card for me. In the next few hours, there continued to be more fraudulent charges made to my account, namely to XXXX, XXXX, XXXX, and XXXX XXXX. In the Bank of America app, I submitted a claim on XX/XX/2023 that these claims were fraudulent. A month later, Bank of America closed the claim, saying that I had in fact made those purchases, though I hadn't. I called Bank of America to re-open the claim on XX/XX/XXXX. I have since called Bank of America about the issue once on XX/XX/XXXX, where the woman on the phone told me that it seems like my chip was used at those sites, which is impossible, as my credit card was with me, and I was at work at the time.

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 2023-02-17 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: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I noticed on my credit report that I owe {$29.00} to Comenity bank. This showed up in XXXX. I have no idea what it is. I can not get a copy of a bill or get any information from the company regarding the amount. most credit card companies send a bill I have no bill. I don't know what this is in the meantime it's gone from $ XXXX {$59.00} to I believe today I saw it's {$100.00}, I don't know how interest goes up that fast but anyway, I pay much larger credit card bills monthly but for some reason nobody can tell me what this is. I disputed this with XXXX and they say it's legitimate and the only way to reach the commodity for this problem is via letter - a XXXX XXXX XXXX in this day of age I find that very strange. I don't have any idea what this is I don't see why it's so hard for somebody to talk to me on the phone. I called XXXX 's number and it's automated you can't talk to a live person. I want get this resolved it's not helping my credit report and obviously if I owe {$29.00} I would pay it it's ridiculous and frustrating. I filed another dispute stating I did not know what the amount is for. I guess the creditors get all that or the alleged creditors get all the support. I really feel this is a scam.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-17 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
After submitting complaint XXXX results arrived magically. The investigation stated it was completed on XX/XX/XXXX yet did not receive results until the XXXX XXXX XXXX XXXXXXXX. This again violates the rules of Credit act that must report results within XXXX  days. Please investigate and enforce law

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 2023-02-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
I was charged interest during the student loan pause on XX/XX/2022. Which was supposed to be included on my bill, and I had requested to have my loans consolidated and move to another company in XXXX. But this company continued to charge interest on my federal loans. I was then told the bill was overdue and that I had to pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
I have a proof showing that my bank took out my payment. The mortgage told me as long as I pay before the XXXX of the month it would not affect my score or report which had never been a problem for months which i have done. They messed up my credit score from XXXX to XXXX which is a high low drop for the score which upsets me more. I've called, and i have emailed them and they KEEP demanding it's CORRECT however I have a bank statement that shows IT WAS TAKEN OUT ON THE SAME MONTH of the XXXX that was PAID before XXXX OF THE MONTH and it is marked " LATE PAYMENT ''. But I have paid in the same XXXX month and yet my report shows deliquency one month late on XXXX. Please have the mortgage fix and remove the XXXX late payment and convert to current as I demand that i have a bank statement that shows it did took out on XX/XX/2022.

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 2023-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXX I ASKED THAT THE CALLS CEASE BECAUSE IT WAS IN VIOLATION OF RIGHTS, I ALSO ASKED THAT PROOF OF CONTRACT AND OR VALIDATION OF DEBT TO BE SENT OUT TO ME AND I HAVE CALLED THEM AS WELL FOR YHE INFORMATION ITS BEEN OVER XX/XX/60 DAYS NO REPONSE BUT CALLS MADE OUT TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 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: EQUIFAX, INC.
State: NC

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
I filed bankruptcy in XX/XX/XXXX included BOA I reached out to them and they still have me owing XXXX from XX/XX/XXXX they coded as dismissed and the the XXXX that was owed same day they marked as XXXX they will not change this and the have me on XXXX XXXX as well with negative item showing I had malice in XXXX I ask BOA and XXXX systems why are we talking about this from 13 years ago This is a complete violation of the law and my rights what happen to things falling off in 7 years XXXX we are at 13 years and they are reporting me with a Discharge XXXX  XXXX I still bank with this bank and I was not notified of this and he proceeding to try and collect when I explained I had a XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 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: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
Hello My name is XXXX XXXX, I have been dealing with an issue with AMEX and XXXX for a long time now, over 2 years. I paid an AMEX bill, and settled with them. You can contact AMEX, I have letters from AMEX showing I paid it. I even did a loan process and had to provide documents I paid this account off. The account number that I have because it was such a long time ago is XXXX. AMEX is telling me with XXXX I have some type of freeze or my credit etc. and they can not update my credit report to show I have paid and settled. This has ruined my credit since 2019. I keep contacting XXXX, they are stating I do not have a freeze on my report. I downloaded the app, paid for the service to unlock my credit report, still not working. I have given up on calling AMEX. I have paid many items that went into collections a while back, I paid, and settled, and all of them updated my credit report. AMEX Is stating they can not. I have no idea what is going on. AMEX has ruined my credit for many years now. I can not do anything about it. I have proof I have paid them. AMEX knows I paid them, but some how they can not update my credit report because of a freeze. There is no freeze on my credit. The balance is showing {$4000.00} but I settled. Two years ago when I filled my taxes, AMEX sent me a document to show the charge off, I had to taxes on that as well. This DEBT needs to be updated on my credit report to show settled in full, NOT UNPAID WHICH IS RUINING MY CREDIT. I am so frustrated with this. no one is helping me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 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: MD

Complaint narrative:
On XX/XX/XXXX, I mailed a letter to Experian expressing my concern regarding a payment showing as 30 days late on my XXXX XXXX account from XX/XX/XXXX. I requested documentation proving this payment was in fact late, and if they were not able to provide, to update my account to paid as agreed, never late. I received an online alert that they verified the information and closed the dispute. However, this is not sufficient documentation verifying the supposed late payment.

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 2023-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: IL

Complaint narrative:
Cell phone I don't know when this account was open this Account was open .they said I did not open this Account, this is fraud! I told them years ago, XXXX, XXXX and XXXX when I notice items on my credit report, everything came in the from a collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
My loan was supposed to be converted by gap and it was totaled a few months after I bough it leaving me with a balance

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 2023-02-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-02-17 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: TX

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-02-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 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: FL

Complaint narrative:
I reviewed my Equifax credit report and noticed that I had 5 late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. 

I have never been late on payments for the account : XXXX XXXX XXXX Account number XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER LATE. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I have noticed this company lvnv funding LLC on my credit report. I have attempted to dispute this with XXXX several times. I have seen conflicting addresses to disputers with LVNV funding so I have called. I was told to send it to a XXXX XXXX XXXX. Lvnv funding is reporting two accounts on my XXXX and XXXX credit reports under the name XXXX XXXX one in the amount of {$1600.00} the other in the amount of {$1200.00}. I have asked for validation of the debt. I have received nothing. I have received two different statements from LVNV funding threatening to take me to court and sue me for the amounts listed. 
I LVNV funding to provide me with the proof of the money that they say I owe what it is for. Explain to me and show me how you calculated what I owe. Provide me copies of any papers that I showed I agreed to pay you what you say I owe. Provide a verification or copy of any judgment if applicable. Identify the original creditor. Provide the statue of limitations has not expired on this account. Provide proof that you are licensed to collect in the state of texas. Provide proof of your license numbers and registration agent. 
I have received no information from this company. I have no signed contract or dealings with this company. From my understanding it is a violation of the Fair credit reporting act and violation of fair debt collection practices for this company to falsely report that I owe them any money. I have contacted XXXX several times to explain I have no dealings with this company and XXXX refuses to remove this from my credit report.

Company response to consumer: Closed with explanation