vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-16 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:
On XX/XX/20 i disputed a XXXX XXXX credit reporting for incorrect information. The XXXX account was removed from my credit report. On XXXX a new debt collecting company that purchased the XXXX account started reporting with even more incorrect information and showing as a new active account. I disputed the new account ( XXXX XXXX XXXX ) with Experian and the investigation came back as updated. XXXX XXXX XXXX ( debt collector ) has incorrect information being reported as a new account as of XXXX. Experian doesn't want to do the research to see the original XXXX account was removed for incorrect reporting data. XXXX sold the account to XXXX XXXX XXXX and is now showing as a newly delinquent account. Thank you

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 2020-12-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On my XXXX  report there is a closed account with huge amount of missed payments. BANK OF AMERICA Its not mine account. 
Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA BANK OF AMERICA has violated my rights as a consumer and I requesting legal action to remove this account immediately.

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 2020-12-16 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: CA

Complaint narrative:
Equifax ; XXXX  and XXXX  should not be reporting each inquiry listedas a separate line item. ( Please see page attached from my credit report. ) These multiple inquiries are well within the 45 plus days that is typically allowed to check different lenders and find the best loan. These inquires are all of like kind and therefore should only be reporting as ( 1 ) line item. This reporting of multiple inquiries is seriously harming my credit score and these line items need to be removed and report as only ( 1 ) inquiry. It is a violation of the Fair Credit Report Act not to report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XX/XX/XXXX, it was around the XXXX that i noticed that alot of money was missing from my Bank of Amercia edd account. So I called them right away. which ended up being a serious chore..it took me 5 days of calling ... being put on hold and hung up on when i finally did talk to a person in their claims dept.on the phone, as well as transfered to departments/places that had nothing to do with boa. to say the least it became a full time job just to be able to file a claim about someone stealing a large amount of my money..which i was putting aside to get me a place. me and my wife in XXXX just lost everything we owned and our place to live due to the valley fire.. that money was our place to live. it was all we had at this point. when i finally did get in touch with someone i gave them dates and amounts even where they took the money from. on XX/XX/XXXX someone took XXXX dollars from a B.O.A atm in XXXX ca, than XX/XX/XXXX they took another XXXX dollars from a boa atm in XXXX ca, on XX/XX/XXXX {$800.00} from a boa atm in XXXX again XX/XX/XXXX another {$800.00} in XXXX from a boa atm and than on XX/XX/XXXX another XXXX from a boa atm in XXXX XXXX ca. i live in XXXX and havent heard of of 2 of these places let alone been to any of them.when i was finally able to talk with someone and file a claim about this I was informed that it would take about 2 weeks to get my money back. I did call numberous times to check on the status of this missing money but never got any answers or informed that within a matter of hours of opening this claim they shut my claim however i was never informed of these actions until this past monday XX/XX/XXXX. i had talked to the claims depe many times but was never informed that they closed my claim so i have been waiting all this time and spoken to them on mthe status of my claim however i was never told that my claim was closed or that i had to reopen it to get my money back that was takin and needed so i could get a place to live.now its been almost 2 months later ... and im having to start all over but this time .... I AM GON NA BE HOMELESS TOMORROW BECAUSE I CANT PAY FOR A SPOT NOR CAN I PAY FOR THE ROOM ANY LONGER.DUE TO THIS MISSING MONEY I CANT RENT A PLACE. I DONT HAVE THE MONEY TO PAY FOR THE HOTEL XXXX M STAYING IN. i DONT HAVE ANYONE I CAN ASK FOR HELP OR A PLACE TO STAY. I HAVE EXPLAINED THIS TO THEM but all i seem to get is the run around.

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 2020-12-16 00:00:00
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I have a XXXX  store card with comenity bank. I purchased a sofa with my store card on XXXX. I made a {$390.00} payment on the store card and then my sofa purchase was cancelled by XXXX. The {$390.00} I had already paid showed up on my following statement as a - {$390.00} balance. In the last month I have made {$410.00} in purchases from XXXX. Now on my most recent statement it shows me owing {$410.00} instead of my {$390.00} credit being on there which should make my true balance of {$15.00}. The state shows a minimum payment due of {$27.00} which is more than I should actually owe them. I have sent comenity bank 2 secure messages on their website regarding the dispute and have received no response. I have also tried calling their customer service number but the rep I spoke with did not help me at all. Im at a loss at how to get this corrected and have lost all confidence in comenity bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL

Complaint narrative:
I am having issues with Lakeview XXXX/XXXX  in starting a VA streamline refinance application. I have had a forbearance period which is ending at the end of XXXX - Account is current and paid through XX/XX/2020. I have also sent them my intent to refinance back in XXXX and nothing was done with the letter I sent in I am being told that I need to wait 30 days in order to start the VA streamline refinance. I have asked for a written document that states the above guidelines, but Lakeview is sending back to XXXX. While XXXX is stating that they don't deal with the loan application process and that Lakeview is the entity I should contact. 
I was even provided with a XXXX phone number which sends me to a voicemail that states the extension was no longer in service for Lakeview. I spoke to a XXXX at XXXX who provided me with the above phone number. I have asked a " XXXX '' from Lakeview for his last name so I can document my interaction because he stated the 30 requirement and he refused and hanged up the phone. I have called back and I am still getting the runaround. Additionally, soon after these phone calls, I have been unable to log into my account online.

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 2020-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: CT

Complaint narrative:
I have received my response from Portfolio Recovery, regarding my complaint over their non-response to my demanding their proof as to their adherence to the law with regards to the FCRA. They still have not demonstrated compliance with section 1681s-2 of the Fair Credit Reporting Act, they have not shown where, per my request in a letter to them, where they notified me, the consumer that they supplied the legally required Notice regarding their furnishing of adverse information to the credit reports, thereby doing damage to that consumers credit report. They ignored my initial letter requesting their proof of compliance with this law, as I only learned they were reporting on my credit when I checked my credit report, not from being notified of that by them, and I filed a complaint against them with the CFPB due to their non-response. 
Just yesterday I received letters from Portfolio saying they needed information from me in order to proceed forward with their investigation. They deflected the basis of my dispute issue and didnt even reference it as the enclosed document shows. Their response had absolutely nothing to do with the basis of my prior complaint. They are reporting information on my credit, it is therefore THEIR burden to prove that they are doing so in a legal and valid manner. They have not done this and their deflection demonstrates an inability to properly document their permissible purpose in accessing and reporting on my credit. Either they can answer this seemingly simple request for information to show that they followed the law or they cant. And if they cant then they didnt handle this alleged claim on me lawfully then they have no business accessing my credit or reporting items on my credit file, items that theyve never been able to prove in the first place. They should be removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 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: CITIBANK, N.A.
State: CA

Complaint narrative:
hi I'm writing to inform you I have unauthorized charges on my debit card and the bank won't return my money Bank name : Citi Bank Dates : XX/XX/20 {$160.00} XX/XX/20 {$550.00} XX/XX/20 {$220.00} XX/XX/20 {$180.00} XX/XX/20 {$670.00} XX/XX/20 {$290.00} XX/XX/20 {$670.00} XX/XX/20 {$1400.00} i sent a police report and no action has been taken

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 2020-12-16 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: CA

Complaint narrative:
XXXX ; XXXX  and Transunion should not be reporting each inquiry listedas a separate line item. ( Please see page attached from my credit report. ) These multiple inquiries are well within the 45 plus days that is typically allowed to check different lenders and find the best loan. These inquires are all of like kind and therefore should only be reporting as ( 1 ) line item. This reporting of multiple inquiries is seriously harming my credit score and these line items need to be removed and report as only ( 1 ) inquiry. It is a violation of the Fair Credit Report Act not to report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.

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 2020-12-16 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: CA

Complaint narrative:
XXXX ; Experian and XXXX should not be reporting each inquiry listedas a separate line item. ( Please see page attached from my credit report. ) These multiple inquiries are well within the 45 plus days that is typically allowed to check different lenders and find the best loan. These inquires are all of like kind and therefore should only be reporting as ( 1 ) line item. This reporting of multiple inquiries is seriously harming my credit score and these line items need to be removed and report as only ( 1 ) inquiry. It is a violation of the Fair Credit Report Act not to report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.

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 2020-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Ive mailed request four times to all three credit bureaus to remove fraud alert because its hindering me to purchase my home Ive sent certified Mail and fraud alert still on there and I need it permanently removed

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 2020-12-16 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: U.S. BANCORP
State: TX

Complaint narrative:
I called in on XX/XX/2020 and spoke to several customer service representatives that provided an unsatisfactory experience. I initially called in because I was notified of a conversation survey request from a dialogue on XX/XX/2020. I informed the first representative XXXX, that I did not make a call nor speak with anyone on the XXXX. She mentioned that there was a note on the account from the investigation team. She mentioned that I needed to upload my ID along with a selfie photo, calling the process the selfie verification. I had never heard of this, nor received a notification about this. She mentioned that this process was in the card holders service agreement, I asked where it was, and her responses were aloof. I asked for a supervisor, and she claimed that there werent any supervisors available. 

I called back and spoke with XXXX, I told her that my card was not working, and she mentioned that it was inactivated on XXXX XXXX, 2020. She mentioned that the offline department tried to reach me for verification. She proceeded to inform me about the selfie verification, I asked her if this process was in the card holder service agreement. Her response was that she did not know, and that it probably was. I informed her that I looked for such a process, and it was not there. Her immediate next move was transferring me to the fraud department. Then the call dropped and was never connected to the fraud department. 

I called back and spoke to a third representative, who I requested to make a formal complaint of the intentional vexation regarding my account. The representative, apologized, and asked if she could help. I asked for a copy of the complaint, she assured that she would take care of it. She proceeded to inform me about this Selfie verification process, that was needed by some backend department. I asked, why was it necessary, since I provided all requested documentation through the state. She mentioned that they have separate verification process, and my account was flagged because I changed my mailing address. Suddenly, the call was transferred to a survey line. 

I spoke with a supervisor XXXX XXXX XXXX, and she mentioned that my card was restricted, because it was flagged for fraud because I changed my mailing address. She mentioned that I can upload my ID to verifyusbank.com/ID. I typed in the address, and the page would not load, because it was an invalid IP address. She mentioned that I could fax over a copy of my Social Security Card with ID, so the restriction could be lifted. She hung up the call.

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 2020-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Ive mailed request four times to all three credit bureaus to remove fraud alert because its hindering me to purchase my home Ive sent certified Mail and fraud alert still on there and I need it permanently removed

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 2020-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Ive mailed request four times to all three credit bureaus to remove fraud alert because its hindering me to purchase my home Ive sent certified Mail and fraud alert still on there and I need it permanently removed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I accepted a solicited offer by TransUnion for their XXXX XXXX membership. It was a trial than {$9.00} monthly. I can not cancel the membership, there is no link to cancel, I have been trying to cancel for months. TransUnion has a fake link to cancel my membership, because when I click on this link there is nothing. I have tried this dozens of times for months. If you do a simple google search there are complaints about this. The only other option to cancel is to call. I have tried this, I am forced to wait on long holds and when I get an agent they can not speak english well and my hearing is already challenged. The agent gives these long unnecessary ramblings and attempts to solicit me more. I was frustrated and hung up. This seems like a CLASS ACTION. waiting to happen.

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 2020-12-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I've paid $ XXXX on a $ XXXX student loan over the past years with Navient . I still owe $ XXXX. Only $ XXXX of my $ XXXX payments have gone to principle over the years. I submit that I could have taken better steps to consolidate or lower my interest rate over the years, but I was young. It seems like I should be granted some forgiveness at this point, considering i've never missed a payment, have repaid my loan + plenty of interest at this point. Asking for some forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX. XXXX, 2020, AMERICAN EXPRESS add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 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: CITIBANK, N.A.
State: PA

Complaint narrative:
I purchased a service from XXXX XXXX XXXX, couple of months ago I was notified that the company is insolvent due to Administration ( similar to Bankruptcy in the US ) and it can not provide a refund. I contacted my credit card provider that I am claiming a chargeback/ refund as the Company is insolvent ( being in Administration ), the card company issued a conditional credit to my account last month. Today, I received letters from my credit card company regarding the billing dispute I asked for on my card. They are concluded their investigation that they can't assist me getting a refund. I contacted XXXX XXXX XXXX and they advise me to submit a complain as I am well protected and under the Fair Credit Billing Act, and that I have a legal right to dispute charges on my credit card for goods or services I didn't receive Services not rendered.

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