vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
requested a copy of my report on the XX/XX/XXXX and how come I still have these accounts under XXXX XXXX? You need to provide me a copy of these accounts. You stated that these are/were accurate and verified. Who verified these? XXXX XXXX couldnt provide me any proof. I contacted them several times, but they could not give me any proof or a copy. 

These accounts from XXXX ( already closed ) and yet you failed to give me any information. How do I settle this? when you aren't giving me anything to settle with.

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 2022-01-13 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: NC

Complaint narrative:
In XX/XX/XXXX, I provided XXXX XXXX XXXX XXXX XXXX with all of the information needed to have me removed from the VA mortgage, as it was fully assumed by my husband. The original balance was {$220000.00}. The monthly payment was {$1400.00}. Instead of removing my name from the loan, XXXX XXXX XXXX XXXX XXXX reported that I opened a new mortgage on XX/XX/XXXX with the amount of {$220000.00}. I spoke with XXXX XXXX XXXX XXXX XXXX on multiple occasions to let them know that instead of removing my name from the mortgage, they reported that I opened a new mortgage. XXXX XXXX XXXX XXXX XXXX stated that they reported to the 3 credit bureaus that the account was closed. They also stated that the did not report that a new mortgage was opened. I was told by XXXX XXXX XXXX  that I needed to dispute this with all 3 credit bureaus. I disputed the information that a new mortgage was opened in XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX reported to the bureaus that the account was closed on XX/XX/XXXX. All of this information is incorrect. The account on my credit report shows XXXX XXXX XXXX with a number under the name stated as XXXX. This has reflected poorly on my credit report. It looks as if I opened a new mortgage with XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX and then closed it in XX/XX/XXXX. They were only supposed to remove my name from the loan. Instead of that, they created a new account in XX/XX/XXXX and then closed it in XX/XX/XXXX. Please remove this fraudulent account from my credit report.

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 2022-01-13 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:
In XX/XX/XXXX, I provided XXXX XXXX XXXX XXXX XXXX with all of the information needed to have me removed from the VA mortgage, as it was fully assumed by my husband. The original balance was {$220000.00}. The monthly payment was {$1400.00}. Instead of removing my name from the loan, XXXX XXXX XXXX XXXX XXXX reported that I opened a new mortgage on XX/XX/XXXX with the amount of {$220000.00}. I spoke with XXXX XXXX XXXX XXXX XXXX on multiple occasions to let them know that instead of removing my name from the mortgage, they reported that I opened a new mortgage. XXXX XXXX XXXX XXXX XXXX stated that they reported to the 3 credit bureaus that the account was closed. They also stated that the did not report that a new mortgage was opened. I was told by XXXX XXXX XXXX  that I needed to dispute this with all 3 credit bureaus. I disputed the information that a new mortgage was opened in XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX reported to the bureaus that the account was closed on XX/XX/XXXX. All of this information is incorrect. The account on my credit report shows XXXX XXXX XXXX with a number under the name stated as XXXX. This has reflected poorly on my credit report. It looks as if I opened a new mortgage with XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX and then closed it in XX/XX/XXXX. They were only supposed to remove my name from the loan. Instead of that, they created a new account in XX/XX/XXXX and then closed it in XX/XX/XXXX. Please remove this fraudulent account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 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:
In XX/XX/XXXX, I provided XXXX XXXX XXXX XXXX XXXX with all of the information needed to have me removed from the VA mortgage, as it was fully assumed by my husband. The original balance was {$220000.00}. The monthly payment was {$1400.00}. Instead of removing my name from the loan, XXXX XXXX XXXX XXXX XXXX reported that I opened a new mortgage on XX/XX/XXXX with the amount of {$220000.00}. I spoke with XXXX XXXX XXXX XXXX XXXX on multiple occasions to let them know that instead of removing my name from the mortgage, they reported that I opened a new mortgage. XXXX XXXX XXXX XXXX XXXX stated that they reported to the XXXX credit bureaus that the account was closed. They also stated that the did not report that a new mortgage was opened. I was told by XXXX XXXX XXXX that I needed to dispute this with all XXXX credit bureaus. I disputed the information that a new mortgage was opened in XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX reported to the bureaus that the account was closed on XX/XX/XXXX. All of this information is incorrect. The account on my credit report shows XXXX XXXX XXXX with a number under the name stated as XXXX. This has reflected poorly on my credit report. It looks as if I opened a new mortgage with XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX and then closed it in XX/XX/XXXX. They were only supposed to remove my name from the loan. Instead of that, they created a new account in XX/XX/XXXX and then closed it in XX/XX/XXXX. Please remove this fraudulent account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 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: PA

Complaint narrative:
I tried reaching out to this bureau several times about accounts that are reporting on my credit but do not belong to me. this info is fraudulent and i need it removed ASAP! 
I want this investigated and removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 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: PA

Complaint narrative:
I tried reaching out to this bureau several times about accounts that are reporting on my credit but do not belong to me. this info is fraudulent and i need it removed ASAP! 
I want this investigated and 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 2022-01-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
someone I don't know open a bank of America credit card on my name without my authorization, the bank close the card for over 6 month and i didn't have any problem until now. now they asking me to pay the money inside the account even though the account is close, they don't want to help until a government identity interfere. they send me all type of letter including that I own XXXX dollar and the next week then send a letter saying I have pay everything. when I call they always tell me I have to pay everything. i upload it the document that said i only own XXXX and the document that decline to help me. 

also i was told by XXXX of the agent, that after the account was close, the bank make a new account on my name without my authorization put the money from the old account until the new they made. which is totally illegal

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 2022-01-13 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: CA

Complaint narrative:
Experian is reporting XXXX  XXXX XXXX account as on time in XX/XX/2019, then in XX/XX/2019 they are reporting 90 day late. How is it possible to go from paying on time one month and then the next month being 90 days late. Experian has been reporting inaccurate information for the last 12 months.

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 2022-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXXXXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXXDate of inquiry XX/XX/XXXXXXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Asset Recovery Solutions, LLC
State: NY

Complaint narrative:
Asset recovery solutions has contacted me multiple times since ur asked them not to. On XX/XX/2021 I called after receiving several letters in the mail. I have received several phone calls from them, as have some of my friends and relatives. Ive asked them to stop calling and they continue to call everyone I know.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been taking advantage of due to malpractice while several laws have been broken under the FCRA by under your company. This is causing me financial injury and deformation of character. I am unable to get a job or apply for credit. This have hurt the credibility of hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 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: PA

Complaint narrative:
I did not consent to this UNFAIR and INACCURATE information to be reported to MY Consumer report. Please remove! Pursuant to 15 usc 1681B ( a ) ( 2 ). Reports must be in accordance with Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I made a XXXX payment to capital on bank for a credit card on XX/XX/2021 to cover XXXX months of payment for XXXX and XXXX and they said i missed a payment when it was did XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Makes Cents, Inc. dba Advance.Cash
State: SC

Complaint narrative:
Spoke with XXXX XXXX from location services this morning at XXXX XXXX  and confirmed identity. XXXX proceeded to phone my mother and call and leave a message for my brother after the phone call to me. Both reference legal proceedings and XXXX county courthouse. My mother and brother contacted me worried about what is going on. After calling the court house and checking the dockets there is nothing with the court and the sheriff perfects service. I spoke with XXXX at XXXX, the company phone number the provided me with, and told them three times to stop contacting my family. XXXX  refuses to acknowledge this is on behalf of them. I dont know what more to do. They need to leave my family out of this and stop lying about court proceedings and documents that were filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
I have been getting the checks that are for balance transfers in the mail roughly every other month since I opened the card. 

I have called four times to have these checks canceled. Each time I am assured they will be canceled and yet I still receive them.

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 2022-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 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: CA

Complaint narrative:
I need you to investigate the following accounts you claim to be accurate on my credit file XXXX Miscellaneous Reptg. XXXX XX/XX/XXXX Equifax XXXX Personal Loans Companies XX/XX/XXXX Equifax XXXX All Banks XX/XX/XXXX Equifax Please show me detail documentation including an application signed by me otherwise delete this unverifiable inquiry from my credit file. 

After you finish my request, send me an updated report Thank you, 15 U.S.C 1681G Law violation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 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: PA

Complaint narrative:
I did not consent to this UNFAIR and INACCURATE information to be reported to MY Consumer report. Please remove! Pursuant to 15 usc 1681B ( a ) ( 2 ). Reports must be in accordance with Consumer.

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 2022-01-13 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: PA

Complaint narrative:
I did not consent to this UNFAIR and INACCURATE information to be reported to MY Consumer report. Please remove! Pursuant to 15 usc 1681B ( a ) ( 2 ). Reports must be in accordance with Consumer.

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 2022-01-13 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: NJ

Complaint narrative:
On XX/XX/XXXX I was charged {$99.00} on my Bank of America credit card due to an alleged scam by XXXX. I was trying to get a refund of {$11.00} and change for something I paid for via XXXX. I wasnt aware that theyd charge me {$99.00} for such a service. When I googled how to get a refund from XXXX, a website called XXXX popped up. When I explained this apparent fraud ( and/or billing dispute ) to BoA, they credited my account and issued a new credit card number. They transferred the {$99.00} charge back to my new credit card after denying that it was fraud. Ive been going back and forth with them for three and a half months and still have no resolution. They credited my account, retracted it ; then credited my account again and retracted it on XX/XX/XXXX. Ive been to the local branch in XXXX, NJ and Ive spoken with three different managers. I was in the office of XXXX XXXX for an hour while he was on hold with Fraud Claims. I then followed up with two other managers ( XXXX, over the phone ) and was told my credit of {$99.00} was pending. This was the beginning of XXXX, XXXX. I went into the branch and spoke to the Branch Manager and was again told my credit was pending. The next day I received a letter from BoA, dated XX/XX/XXXX, saying my credit was retracted. Ive been on the phone with Fraudulent Claims and Billing Disputes for months. It seems every time I get a different story. I feel Ive been grossly mistreated. They are unprofessional and rude and incompetent. Every time I called Claims, I waited on hold for at least a half hour. My fianc had paid off my three credit cards with BoA, on time, with thousands of dollars. I feel this financial institution shouldve backed me up with this scam. Everyone at the branch seemed disinterested. When I sent a formal complaint to BoA in an email, XXXX called me on Wednesday, XX/XX/XXXX. He was very surly and told me I should contact XXXX. He gave me the telephone number. I spoke, that evening, to XXXX and she informed me that since BoA opened a claim for this on XX/XX/XXXX, her hands were tied and she couldnt refund my {$99.00}. I spoke to a supervisor at BoA on XX/XX/XXXX, named XXXX. He said there was nothing he could do for me. Now Im writing to you, with my formal complaint. Thank you for your 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 2022-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Avadyne Health Holdings, Inc
State: FL

Complaint narrative:
I WAS A VICTIM OF IDENTITY THEFT. H & R ACCOUNT INC

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/21 we processed a payment in the amount of {$4500.00} for a customer. The merchant company didn't settle this transaction until XX/XX/21, when the customer XXXXs bank declined the transaction. Merchant company didn't inform us that this transaction was not settled on time and we did not get paid by the customer 's bank, the balance is still open. We can no longer reach the customer at this time. Please help us to get paid. We never received this money and the customer 's account is currently 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