vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: WY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX XX/XX/19 Victorias Secret Angel Credit Card Account Ending In XXXX Comenity Bank XXXX XXXX XXXX XXXX, OH XXXX Dear Consumer Relations : After receiving and reviewing the results of a recent disputes sent to you, I am now requesting the method you used to verify certain items on the credit file, Victorias Secret Angel Credit Card Account Ending In XXXX. FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) states  that upon request you must provide me a description of the procedure used to determine the accuracy and completeness of the information. This includes, but is not limited to the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. I am requesting this for the following accounts : Victorias Secret Angel Credit Card Account Ending In XXXX As stated in FCRA 611 ( a ) ( 7 ) you must provide this information no later than 15 days after receiving this request. Any automated response or XXXXXXXXXXXX  verification is unacceptable. I am requesting a reinvestigation AND your Method of Verification. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
BoA refuses to acknowledge that they are discriminating by declining certain purchases, even claiming one successful purchase answers for ten others declined. I only have seconds to purchase my items and cant make a second attempt and they continue today to cancel every transaction and send a fraud text, so I cant make the transactions at all, going on ten months. They still ignore the issue. They claim the fraud alert isnt because of them but they also wont remove it. The will keep me on the phone 12 hours refusing to help, contradicting and cold-transferred calls. Their escalation person wont resolve the issue because she doesnt see a problem with the alerts no matter how many times I explained, they pretend no one has had to make this type of purchase before. So I have fraud alerts every time I try to buy at the only two places I spend most of my money and I cant buy anything because everything is sold out after the card is declined. They have no records of the transactions or declines and their records dont matchup with the alerts sent. Its medsed up but whats certain is that they arent changing their refusal to remove this restriction ( that say there isnt one on my account and that the sellers are declining the transactions they initiate, even thought BoA sends a text message verification ). No one will cooperate with getting the technical issue resolved, hoping a random card replacement might work and that I should use my credit instead. They only let me speak to a secretary working in the collections office calling herself the manager of the escalations group, they arent even treating me as a customer or a human, but it is discrimination to monitor someones spending habits and use fraud verification to prevent purchases for over six months, preventing not delaying or verifying, because weve clearly expressed our interest and intention to purchase and every time I miss out. Today they called me at XXXX est when XXXX XXXX dropped his XXXX XXXX XXXX low, she was on the phone with me with the transaction failing and trying to convince me I was mistaken. They are aware of what is being limited in this account and using fraud to limit the account that hadnt been involved with any fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I was incorrectly charged XXXX by my insurance company and I disputed the charge and got a claim # XXXX and was credited then by my bank but then they denied my claim informing me by letter that my insurance company had already fixed the issue by crediting me XXXX when this had nothing to do with the XXXX charge. The XXXX charge was completely unauthorized and had never gave the company premission to take that payment out and they took it without my authorization so I cancelled all my policies with them since I had already paid them and had time left on policy so was refunded the XXXX related to that time left but the other charge of XXXX wasn't related to that I was informed it had to do with amounts they said I owed that I had already paid with another card but they charged this account as well and refused to refund me them when they were already paid and weren't given authorization to take the XXXX out. I only speak 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 monetary relief
Consumer complaint received 2019-07-20 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: TX

Complaint narrative:
I disputed this inaccurate information with TransUnion XX/XX/2019. By the Fair Credit Reporting Act, TransUnion had 30 days to confirm my request or remove the items. Please see the attachment as they are blatantly ignoring the law and harming me. I demand these items be removed in 72 hours or I will seek damages from TransUnion.

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 2019-07-20 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: WY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX XX/XX/19 XXXX XXXX XXXX Credit Card Account Ending In XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Dear Consumer Relations : After receiving and reviewing the results of a recent disputes sent to you, I am now requesting the method you used to verify certain items on the credit file, XXXX XXXX XXXX Credit Card Account Ending In XXXX. FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) states  that upon request you must provide me a description of the procedure used to determine the accuracy and completeness of the information. This includes, but is not limited to the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. I am requesting this for the following accounts : XXXX XXXX XXXX Credit Card Account Ending In XXXX As stated in FCRA 611 ( a ) ( 7 ) you must provide this information no later than 15 days after receiving this request. Any automated response or XXXX verification is unacceptable. I am requesting a reinvestigation AND your Method of Verification. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20 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 with product or service terms changing
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian lowered my credit score for no reason and then is trying to sell me a product called boost to improve my score. I feel my score was lowered just to get me to buy this service. They lowered my score to XXXX from XXXX and then sent me an email alert and the only change was generated by 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 2019-07-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I purchased a vechicle and due to this was our first car loan and we are XXXX XXXX   I couldnt get approved they took 3 months of them pulling my credit after pulling from XXXX to XXXX same Companies each month kept pulling thisnis illegal I never authorized it 4 months straight and destroyed my credit and now since they ruined our credit we can get approved to even rent a place please help they killed our credit in one month it dropped 122 points help please

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20 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: SYNCHRONY FINANCIAL
State: WY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX Equifax XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NM XXXX I did not authorize anyone employed by these companies to make any inquiry or view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611.

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 2019-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Northern Trust Company, The
State: CA

Complaint narrative:
This is another issue with Northern Trust Co. When my trust account was resigned and transferred by them to a successor company in XX/XX/2010, about {$200000.00} disappeared from the account and in that final month of the closing account they made {$58.00} thousand purchases which also was never paid back

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 2019-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
My bank charges me a XXXX dollar stop payment fee when I filed my dispute against my insurance company for a unauthorized charge that they made for XXXX with my premission they had initially not charged me but after denying my claim incorrectly they charged me the XXXX dollar fee and gave me no explaintion. I've banked with them for 17 years and refuse to return the fee for stop payment I never asked them to place. I just wanted my money back for charge and they did not even do that I have already filed a complaint about the claim they denied separately. I only speak 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 monetary relief
Consumer complaint received 2019-07-20 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I purchased a vechicle and due to this was our first car loan and we are self employed I couldnt get approved they took 3  months of them pulling my credit after pulling from XXXX to XXXX same Companies each month kept pulling thisnis illegal I never authorized it 4 months straight and destroyed my credit and now since they ruined our credit we can get approved to even rent a place please help they killed our credit in one month it dropped XXXX points help please

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 2019-07-20 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: MN

Complaint narrative:
The following collection accounts that are currently listed on my Trans Union, XXXX and XXXX  credit report are fraudulent, unauthorized and not my accounts : XXXX XXXX XXXX, {$8000.00}, XXXX XXXX, {$490.00} and XXXX XXXX, {$430.00}. I been receiving harassing, abusive, threatening, unfair and deceptive phone calls from the above creditors. The above creditors are in complete violation of the Fair Debt Collections Practices Act ( FDCPA ) under federal law. Im a victim of identity theft and the collection accounts are all fraudulent accounts and do not belong to me. The fraudulent accounts are not my accounts.

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 2019-07-20 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: WY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX Equifax XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : 1.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NM XXXX I did not authorize anyone employed by these companies to make any inquiry or view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. Please validate this  information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20 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: Lendmark Financial Services
State: WY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companie : 1. LENDMARK FINANCIAL SVC LLC XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) ( dupicate ) I did not authorize anyone employed by these companies to make any inquiry or view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
There was an error with a account that was accidentally disputed in error. Home Depot Credit Card Services was not suppose to be disputed or deleted from my credit file with XXXX, XXXX or XXXX. The account stated above is accurate and in good standing. So there is no need for a dispute. The company stated above stated that they had received a dispute in reference to this account, so they sent a request to have this account deleted from all 3 credit bureaus. An error was made when another account observed on my credit report was being disputed and some how the Home Depot Credit Card Account was disputed accidentally along with another account. My mother the primary user of this account contacted the Home Depot customer service center on XXXX, 2019 in reference to this issue to request for this account to be reported to all 3 credit bureaus not knowing the this error was made on the Authorized Users credit file ( which is me ) the customer service representative stated that she will take care of it and also notate the account. In fact the credit bureaus were contacted a few days later and stated the company Home Depot, infact can send a report to the credit bureaus stating that there was an error in this account being disputed by the ( consumer ) me the authorized user, which they will see along with this current dispute. The primary user and authorized user, both contacted Home Depot Credit Card Services. We were advised that an update or resend of the account information can be sent again to the bureaus to clear this matter up.They were also notified that this was a system error. The primary account holder has contacted Home Depot, verified the account with the authorized user to customer service representative and authorized Home Depot to disregard the dispute and the credit bureaus has stated this account can be sent to them again, just as they report it each month. This dispute needs to be escalated to someone who is not lazy and is allowing time to go by without resolving this.

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 2019-07-20 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: NV

Complaint narrative:
Equifax is willingly and knowingly, disobeying the credit laws at their own benefit and discretion. Equifax has remained to stand against my disputes requesting that they remove a fraudulent account and multiple inquiries. It has been months since i've first initiated a fraud dispute and i've gotten little to no responses with no verification or clarification how they can say the account and inquiries Equifax is keeping on is in fact undoubtedly mine. There's no way that they could have proved this during any type of investigation when i have never had any relationship with these creditors, i've never shared any personal info with these creditors or anything. I was never notified that these items were in anyway, somehow verified and i was never presented with any verification evidence. I was sent letters by both creditors in respondence to my disputes with their own verification departments, and the account creditor and the inquiry creditor, both deemed activities were fraudulent, not being my responsibility. I am just now sending these confirmation documents to Equifax through faxing and i am including CFPB to oversight this exchange online, so i can feel more confident that all will be done appropriately and correctly. I ask Equifax to do their jobs and remove these creditors from my credit profile immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-20 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: MN

Complaint narrative:
The following collection accounts that are currently listed on my XXXX XXXX, Equifax and XXXX credit report are fraudulent, unauthorized and not my accounts : XXXX XXXX XXXX, {$8000.00}, XXXX XXXX, {$490.00} and XXXX XXXX, {$430.00}. I been receiving harassing, abusive, threatening, unfair and deceptive phone calls from the above creditors. The above creditors are in complete violation of the Fair Debt Collections Practices Act ( FDCPA ) under federal law. Im a victim of identity theft and the collection accounts are all fraudulent accounts and do not belong to me. The fraudulent accounts are not my accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-20 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: MN

Complaint narrative:
The following collection accounts that are currently listed on my XXXX XXXX, XXXX and Experian credit report are fraudulent, unauthorized and not my accounts : XXXX XXXX XXXX, {$8000.00}, XXXX XXXX, {$490.00} and XXXX XXXX, {$430.00}. I been receiving harassing, abusive, threatening, unfair and deceptive phone calls from the above creditors. The above creditors are in complete violation of the Fair Debt Collections Practices Act ( FDCPA ) under federal law. Im a victim of identity theft and the collection accounts are all fraudulent accounts and do not belong to me. The fraudulent accounts are not my accounts.

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