vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Dear CFPB, I am writing to re-open this case for the following reasons : Complaints were neither timely responded nor properly addressed. Further, respondents disregarded notification I would be out of the country and unavailable. 

Attached documentation confirms : - After XX/XX/XXXX XXXX, BofA mails a letter stating they have ... forwarded concerns to legal counsel- they will respond directly - XX/XX/XXXX form letter states Were reporting this account has never been delinquent. This is perjury, based upon documentation. BofA has provided no documentation supporting their statement - XX/XX/XXXX form letter states Were reporting this account has never been delinquent. This is perjury, based upon documentation. BofA has provided no documentation supporting their statement - No XXXX XXXX, clearly marked INSUFFICENT ADDRESS XXXX XXXX dated letter. Counsel perjures themselves/their clients in numerous manners, just a few of which include, falsely stating I had access to automated payment systems that had been revoked until XXXX. Counsel further perjures themselves/their clients by falsely stating they deny allegations that XXXX has a prior pattern of holding payments, not cashing them, or falsely demand [ ing ] late fees. These are also documented and a matter of public record. BofA et al violated the terms of our settlement agreement and misrepresent its contents. Their violations damage several people. 

- After XX/XX/XXXX XXXX, BofA mails a letter stating they have ... forwarded concerns to legal counsel- they will respond directly. No such response had been provided, nor has any matter subject of complaints been honestly addressed/resolved satisfactorily - Corrected statements with proper accounting of amounts due remain outstanding for every month from XX/XX/2020 forward Kindly refer to prior correspondence and resolution requested therein. 

SIncerely, 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 2022-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In light of recent investigation upon Equifax, I find that my consumer file is being irresponsibly tampered with. Over the past few months I have made several attempts to remind Equifax of their duty pursuant to 15 USC 1681. It appears that they have intentionally and willfully been neglecting remedying my affairs. 15 USC 1681e ( b ) states that I am due, promised accuracy in my report based on federal law. 

I did not apply, nor ask for credit, nor did I give permission to this company to run my credit, place a hard inquiry on my credit file, or furnish any inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 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: CO

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXXXXXX XXXX  breach and may have got into the hands of the wrong person.

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 2022-10-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
In XX/XX/2022, I signed up for a new American Express card with an introductory promotion of {$350.00} statement credit after {$3000.00} purchase within the first 6 month. I met the criteria to receive statement credit and was awarded {$350.00} statement credit within 3 months. I decided to go with a better everyday charge card that was more suited for my spending habits with better benefits. In late XXXX, I close the account to avoid paying the annual fee knowing that I would not be keeping the card long term. The account was closed with XXXX balance. 

American Express, later added a {$350.00} ( statement credit ) charge to the account because the account was not active for 12 months before being closed. 

Apparently it was listed under the terms and agreement. This was listed in the finest print, not under the PromotionaXXXX terms but under the Annual fee which I find very deceptive. An annual fee which is waved the first year but if you cancel your account within the first year you are XXXX a fee of {$350.00}. 
even though they can uncancelled the card and reinstate the account, American Express refuses to remove the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 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: LA

Complaint narrative:
I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ).

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Recovery Management
State: FL

Complaint narrative:
As of XX/XX/XXXX Fox Collection Center XXXX XXXX XXXX XXXX TN XXXX XXXX is in violating in accordance with s.1629e ( 8 ) of the debt collection practices act, which clearly states that any information known to be false, can not be reported to any credit bureau , I request that you immediately delete this information from my credit reports. 
USPS # XXXX, Reference : XXXX, Acct : XXXX, Dispute non-responsive after 30days, I enclosed a copy of my dispute letter USPS # XXXX requesting validation through two points of contact. First by electronically mailed and then through certified mail, in which Fox Collection Center have failed to respond to either one. 

First, you received the electronic mail on XXXXXXXX XXXX through the CFPB complaint database and failed to provide proof of validation within the 30 days. 

Second, you received another copy by certified mail on XX/XX/2022 requesting validation. 
Even so, you have failed to respond to either request. 
This letter dated above shows it has been more than 30 days and FOX COLLECTION CENTER have failed to validate show any proof within the 30 days even with the given grace period to respond by mail. 

Please send me a copy of my updated credit report as soon as the above has been completed. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My wallet was left at a bar and later recovered but no credit cards were missing. A day or two later various miscellaneous charges started to occur on XX/XX/22 through a period of XXXX in ( TX ) and out of state ( CA ) for a total of {$15000.00}. Once I noticed the various charges I called in and disputed the charges and received a new bank card in which the charges were removed from my account. Two months later without being notified of reasoning the charges were billed back to my card on my XXXX statement which ultimately lowered my credit score due to the charges being over the limit and effecting my utilization. I had to call and re-open the claim and talk with multiple agents for them to advise that they billed the charges back because the transactions were " in-person '' chip based. I have provided a police report of the situation to Bank of America as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-28 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: ME

Complaint narrative:
Equifax will not remove XXXX account and the XXXX account both of which are 7 years old from my credit report with them. XXXX has removed them both. I would like a {$1000.00} each for both accounts as they will not remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
In light of recent investigation upon XXXX, I find that my consumer file is being irresponsibly tampered with. Over the past few months I have made several attempts to remind XXXX of their duty pursuant to 15 USC 1681. It appears that they have intentionally and willfully been neglecting remedying my affairs. 15 USC 1681e ( b ) states that I am due, promised accuracy in my report based on federal law. 

I did not apply, nor ask for credit, nor did I give permission to this company to run my credit, place a hard inquiry on my credit file, or furnish any inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Information belongs to someone else
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I just received my first letter from XXXX XXXX XXXX after being told my new account with XXXX XXXX has been suspended. I have never made a withdrawal, just an ACH transfer ( to be paid by a company for contracted work. ) USAA is stating that on XX/XX/XXXX I had an incident that led to a principal loss of {$3900.00} from account abuse. Never have I ever used USAA for banking. This is not me and I would like to settle this. There seems to have been 17 ACH transactions all dating to XX/XX/XXXX, all with transfers less than {$11.00}. I do believe someone has taken my information and manipulated it for their own wellbeing!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I have been seeing this American Express card on my credit report and I have contacted American Express numerous times to let them know this isn't my card. I never had that American Express card, I was sent one which I returned. Another card was issued in my name which I never had. I asked them for a wet ink copy of the contract application for the card and they have not repied. This has hurt my credit immensely and I tried to resovle the issue but to no avail. Iwould like this erroneous and fruadulent item off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX. Personal Loan XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX T : XXXX XXXX I recently changed jobs from XXXX  XXXX at XXXXXXXX XXXX .... So, I started working in XXXX  at a XXXX XXXX XXXX and XXXX  for XXXX at the XXXX  XXXX XXXX ( which is two part-time jobs to supplement a full-time income ). I wanted to see if I qualify for a personal loan to pay my rent + pay down my credit but mentioned the reason as " debt consolidation ''. However, the Representative offered a balance of XXXX {$1500.00} loan that could be paid off in 3 months ' time<b> at an incredibly high APR rate of 39 % at XXXX installments ( that's interest {$3000.00} ). Says, " bring paystub in 14 days '' and " file will close out after 21 days '' ... consumers like me are taken advantage of when in desperate circumstances, I experienced that before paying down a {$5000.00} interest payday loan to pay my student balance at XXXX University, and I am like not going there again. This time around I consistently looked for what is best. Instead, I deposited two paychecks into my XXXX XXXX commercial savings account totaling in the amount of about {$1200.00} and brought down my credit utilization rate by paying in full 2 credit card debts. 

I have a credit line of XXXX and on-time payments of 100 % past 3 years of credit history and a borrowing power of {$17000.00}. I am sure another person in a different income bracket would have better treatment, and I mean treated in a fair manner by ONE MAIN FINANCIAL. 

XXXX XXXX approved an {$8600.00} personal loan at a lower APR after checking my employment. I would like ONE MAIN FINANCIAL to REMOVE that HARD INQUIRY, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 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: SC

Complaint narrative:
After extensive research I have become aware that your company is in direct violation of a number of federal and state laws including the FCRA, Fair Debt Collection Practices Act. Your company is in violation of Title 18 U.S. Code 1951, Interference with commerce by threats or violence and my 4th amendment right to privacy. Im seeking immediate relief for the inaccuracies and damages caused by your company. Below is a list of accounts that your company has published WITHOUT my written consent. 

Collections XXXX XXXX Opened XXXX {$300.00} XXXX Opened XXXX {$400.00} XXXX XXXX Opened XXXX {$420.00} XXXX XXXX Opened XXXX {$480.00} XXXX XXXX XXXX Opened XXXX {$540.00} XXXX XXXX  XXXX Opened XXXX {$620.00} XXXX XXXX XXXX, Opened XXXX {$850.00} XXXX XXXX Opened XXXX {$990.00} XXXX XXXX Opened XXXX {$1000.00} XXXX XXXX XXXX Opened XXXX {$1100.00} XXXX XXXX Opened XXXX {$1100.00} XXXX Opened XXXX {$3500.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX Currently on-time 3 Missed XXXX XXXXXXXX Currently on-time 1 Missed Other loans XXXX XXXX XXXX 
Currently late 7 Missed XXXX Currently on-time 1 Missed Inquiry details XXXXXXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Retailer ) XX/XX/XXXX XXXX  XXXX ( Hotel and travel ) XX/XX/XXXX XXXXXXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Retailer ) XX/XX/XXXX XXXXXXXX XXXX XXXX ( Home shopping ) XX/XX/XXXX XXXX XXXX ( Hotel and travel ) XX/XX/XXXX Needs attention XXXX XXXX XXXXXXXX XXXX error 30-59 days late {$250.00} XXXX error Needs attention {$3500.00} XXXX XXXX error Needs attention {$1100.00} XXXX XXXX XXXX error Needs attention {$1100.00} XXXX XXXX error Needs attention {$1000.00} XXXX XXXX error Needs attention {$990.00} XXXXXXXX XXXX XXXX  error Needs attention {$850.00} XXXX XXXX XXXX error Needs attention {$620.00} XXXX XXXX XXXX error Needs attention {$540.00} XXXX XXXX error Needs attention {$480.00} XXXX XXXX error Needs attention {$420.00} XXXX error Needs attention {$400.00} XXXX XXXX error Needs attention {$300.00} XXXXXXXX XXXX XXXXXXXX. 
error 120-149 days late {$3600.00} XXXX  error 30-59 days late {$1800.00} On time XXXX XXXX  126 % credit card utilization {$620.00} XXXX XXXX -1 % paid off {$5500.00} XXXX XXXX -9 % paid off {$1800.00} XXXX XXXX -2 % paid off {$1500.00} XXXX 0 % credit card utilization {$0.00}

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 2022-10-28 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: Credit Karma, LLC
State: SC

Complaint narrative:
On XX/XX/2022 Credit Karma suggested I applied for a XXXX XXXX Credit Card, through Credit Karma, to help improve my credit score. The website also stated, my chances for approval was good and shouldn't drop my credit score no more than XXXX points. So, I applied and was APPROVED for a credit card. This one hard credit inquiry, decreased my credit score with XXXX by XXXX points. As, of today the XXXX point issue was resolved. However, Credit Karma also stated if XXXX payoff one of the items showing on my credit report, my credit score would increased by XXXX points. So, I took their advise and paid off two of the items that was showing on my credit report, XXXX XXXX XXXX and XXXX XXXX XXXX. Upon speaking with both agencies they informed me they would report to the 3 credit bureaus of my payment. ( Please see attached previous complaint issue that was resolved, bank statements of payments, and Credit Karma solution to increase my score ) As of today, I have not seen this increase in my credit score to paying off the items Credit Karma suggested. Also, I've spoken with all agencies above but this issue has not been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I had conversations with representatives from Experian, XXXX, and XXXX on XX/XX/22, regarding the potential that they might have reported fake accounts on my consumer file. Since I didn't know where these accounts came from or have any knowledge of them, I begged them to delete them. All three businesses informed me that I had to provide documents and complete an FTC report. On XX/XX/22, I really accomplished that and mailed my letters by certified mail. The accounts are still included on my report more than 30 days after I sent my letters, and despite the fact that they are not mine, they were somehow " confirmed. '' Because this circumstance prevents my family and I from being able to purchase a home, I am incredibly perplexed and irritated about it. On XX/XX/22, I contacted all three companies once more and questioned how they could demonstrate that these accounts belonged to me. They just advised me to speak with the creditors directly and said they couldn't offer any further assistance. It came as no surprise when I tried contacting every creditor who had been falsely stating on the consumer file that they were unaware of me or the accounts. I'm unsure of what else to do, so I searched online and found the CFPB website, which some of my acquaintances said may be helpful in my circumstance. I sincerely hope that this is helpful because my family and I are trying to apply for a house and we truly need it.

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