vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-29 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: MA

Complaint narrative:
HI EOS CCA ; This account is reporting against provisions of fcra, and it continues to report incomplete and misleading information and therefore, its an unverifiable account. I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am having issues with missing information on my credit report. I have aXX/XX/XXXX XXXX XXXX Account XXXX that is not reporting to my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, DOB XXXX, SS XXXX. My account is not showing on any of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am having issues with missing information on my credit report. I have a XXXXXX/XX/XXXX XXXX XXXX Account XXXX that is not reporting to my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX, SS XXXX. My account is not showing on any of my credit reports.

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 2020-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
MY NAME IS WRONG AND 2 PREVIOUS ADDRESSES ARE WRONG

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: STATE FARM BANK, FSB
State: TX

Complaint narrative:
2 Years ago, after settling with modification. Agreement was made to pay XXXX per month instead of {$850.00}. This month the loan got sold or transferred to another provider, with out us knowing. The amount We paid in a two year period was never applied to balance. This bank deceived me into paying XXXX knowing they would sell their note to someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: CO

Complaint narrative:
I was solicited for a refinance option on my existing mortgage from NewRez LLC and on XX/XX/2020 had completed the application and received acknowledgement of the initial application. To date, I am still waiting to close on this loan. I have provided all necessary documents and signatures as requested. The main purpose of this loan was to remove the PMI insurance on my current FHA loan ( note in excess of {$250000.00} equity on my current loan ), and reduce the term, ( 25 years left on current loan to 20 on the proposed loan ) and finally lowering the percentage. I received a note that there could be delays due to heavy volume but given this loan is on an existing customer of several years and have excellent history on my loan, believe I am being discriminated due to age and I have just been retired by my company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/29 Cashapp was used to refer a friend promising me a XXXX dollar bonus and a XXXX dollar bonus for her once XXXX dollars or more has been transferred from her new account. The bonus was pending upon signup up but immediately upon finalising the transfer to be eligible for the referral bonus we are owed it said " referral failed '' with no reason listed. Upon reaching out to Cash App to inquire about it I was again just told " certain critera must be met '' and no further information was divulged.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 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: MD

Complaint narrative:
Experian is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

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 2020-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America closed my EDD account without notice. Many other Californians have had this issue over the weekend. Calls to customer service went nowhere, with CSRs incorrectly stating that this was an EDD issue. I have had an automatic withdrawal to my checking account set up since I first received UI, and have had no issues until my account was closed.

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 2020-12-29 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: U.S. BANCORP
State: FL

Complaint narrative:
Dear sir/madam, I had a visa gift card from XXXX store on XXXX XXXX XXXX XXXX. XXXX XXXX, MI XXXX on XX/XX/2019. It should have USD XXXX. After I used it a few times in Michigan and Florida ( later I moved ), card declined at store for not having enough money. Initially, I have not paid much attention. Fortunately, I didn't throw the card away either. I visited the website mentioned on the card and check the balance. I found that I spent little ~ USD XXXX, and rest of the XXXX disappeared. However, balance showed on the webpage ~ XXXX. 
Kroger gave me a case number ( # XXXX ) but never resolved the issue. I waited many many hours wasting my valuable time to speak to multiple representative of visa gift card. I sent them document that I collected from XXXX XXXX XXXX, but still nothing happened. Later I read lot of people lost their money. 
I will appreciate if you kindly help me. Please let me know if you have any question. 
Sincerely, yours 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 2020-12-29 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: MD

Complaint narrative:
Transunion is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

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 2020-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/2019 I was denied credit with a credit card company, XXXX XXXX. The reason they gave was based on information on my credit report and they advised me to get a copy of the report in order to correct any potential issues. 

I contacted the following credit reporting agencies : XXXX, Equifax, and XXXX. 

Allegedly there is a discrepancy with my Social Security number. The reporting agencies stated they have the wrong Social Security number tied to my name. They have not corrected this. 

This has resulted in my inability to secure credit and has resulted in my not being able to get a credit card or purchase a car. The impact to me has been significant and material. It has impacted my day to day life, and I have no recourse. 

After countless hours, repeated attempts, telephone calls, e-mails, data uploads this issue is still unresolved. The credit agencies are not responding or making material efforts to resolve this issue. Based on the responses I have been given, there has been little to no movement in attempting to resolve the Credit Reporting Agencies Failure This issue has resulted in a loss of credit building which will put my plans on hold of buying a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have 2 previous addresses that don't belong to me

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 2020-12-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: IL

Complaint narrative:
Discover Card that was opened in 2017 was stolen from me and there were fraudlent charges on the act. I did file a police report and sent it to Discover. They told me that the charges would be investigated and in fact they were not. They never sent me any proof that the charges were being looked into. They did however continue to harrass a XXXXyear old woman regarding the balance on the act. At some point they sent the file to an attorney and filed a law suit without ever showing any proof that the charges I was disputing were mine. 
Spoke to an attorney who has dealt with Discover before and he told me that typically I would get a package in the mail, Dispute the charges, sign the form and send it back. I was also told this by the Rep at Discover. 
This never happened. On XX/XX/XXXX, I was served documents to show up in court. I am a XXXX year old elderly woman on Social Security. How is it that these Credit Card companies can get away with no reveiw of accounts and simply state that you are accountable for charges and never show or give you proof that you made them. This is ridiculous. I have uploaded my Police report as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-29 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: BMW Financial Services NA, LLC
State: FL

Complaint narrative:
Ive disputed these items numerous of times, I have asked for proof of debt such a contract bearing my signature but no one can seem to furnish me with the document requested. Every time I dispute these items it comes back verified when I request debt validation everything is at a stand still. My personal information was looked up in the Florida Unemployment System back in XXXX by a State of Florida employee and I was offered XXXX XXXX by the State of Florida to protect my identity for one year which ended in XXXX. After my XXXX XXXX  ended, unknown accounts were open in my name. I now have alerts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 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: SD

Complaint narrative:
I am due a refund for cancelling a reservation. American Express has not done a reasonable investigation of my dispute or they would have refunded the charge. 
On XX/XX/XXXX I called directly to the XXXX XXXX in XXXX XXXX, SD to make a reservation. I did not know at the time that they transferred me to a third- party company call center in the XXXX . I made the reservation for two nights XXXX-XXXX. 
On XX/XX/XXXX at approximately XXXX, I called directly to the XXXX to cancel my reservation due to the spike in Covid 19 cases in SD. They told me they could not cancel as I made the reservation with XXXX and I must call them ( news to me ) I called XXXX and they told me I did not make a reservation with them and to check my confirmation email. I did and it referred me to another company called XXXX. I called this company and they said they would cancel the reservation. They did not send me a confirmation email of that cancellation. 
I disputed with American Express and received a response that said I did indeed stay at the hotel on this reservation? They claim to have talked to XXXX at the front desk who said I used the reservation. That is completely false? ( Someone just trying to close out a dispute! ) I re-disputed the charge. Now I get a response from XXXX showing the ways to cancel a reservation online? And say I did not cancel it. I Did cancel the reservation and I cancelled it by calling a phone number to cancel XXXX which was on my confirmation email. 
I made this reservation and cancelled via phone and now XXXX is claiming no evidence that I cancelled online? ( After they told me via phone that I had no reservation with them! ) Again, American Express has responded with inaccurate information and a poor investigation into this dispute. If this third party company has any credibility they should have my two phone calls recorded. 
Please American Express.. investigate and refund my money!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America is fraudulently freezing millions of EDD cards and is causing intentional suffering to millions of Americans that need their money that they have paid into and rightfully earned.

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 2020-12-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Central Portfolio Control Inc.
State: OH

Complaint narrative:
To Whom It May Concern, The reason for my dispute is CENTRAL PORTFOLIO CONTROL INC # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, CENTRAL PORTFOLIO CONTROL INC failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. 807 ( 1 ) CENTRAL PORTFOLIO CONTROL INC Validations of date and Mini-Mirandi under Section807 ( 1 ) CENTRAL PORTFOLIO CONTROL INC failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation CENTRAL PORTFOLIO CONTROL INC is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where CENTRAL PORTFOLIO CONTROL INC is in compliance with OHIO LAW. I also have reported this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. CENTRAL PORTFOLIO CONTROL INC has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 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: FL

Complaint narrative:
On or about XX/XX/2020, I filed a complaint disputing a fraudulent charge on my Bank of America account ending XXXX, in the amount of {$3100.00}. On XX/XX/2020, I received a letter from Bank of America rejecting my claim stating that " Our records show the transaction activity in question was authorized and posted correctly to your account ''. When the charges took place, my card was not in my position. Bank of America did not explain why they came to that conclusion rejecting my fraudulent claim. I did not make or authorized the charge on my account. I am a victim of Identity theft. I am requesting Bank of America to do a proper investigation and send me a report with explanation with evidence why they came to this conclusion when I did not purchase or authorized anyone to use my card to make purchases in question.

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 2020-12-30 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: IL

Complaint narrative:
Hello, I have 2 inquiries on my credit that I have disputed several times & have yet to be removed. The accounts are fraud & I was a victim of identity theft. The 2 accounts listed were XXXX & XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
They call repeatedly from different numbers. 
They bought old debt that is barred from collection and are trying to collect it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: TX

Complaint narrative:
I have a joint account with my spouse at XXXX XXXX XXXX and have 2 debits cards ( one in my name and one in her name ) on this joint account. The debit cards are issued by BNY Mellon Card Services. The fraudsters have obtained both debit card numbers and used them on 3 merchants - XXXX, XXXX, XXXX XXXX. I reported the fraud to BNY Mellon Card Services in early XX/XX/XXXX. The fraud activities started in early XX/XX/XXXX until XX/XX/XXXX. The amounts added up to approx {$5000.00}. My spouse is the only person using both debit cards. I only discovered the fraud activities when I noticed a large increase in spending and I asked my spouse to reconciliate the account debits. BNY Mellon has repeatedly denied the fraud activities, instead accusing us of lying to them about those fraudulent charges. I have reported this crime to the Financial Crime Unit with the XXXX Police Department.

Company response to consumer: Closed with explanation