vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
I am less that 30 days behind on payment due to husband switching jobs. Payment was due on XXXX of this month it is now XXXX of same month. They have called me XXXX times in the last 7 days with number listed in complaint and XXXX times with the number restricted ( yes same company, I answered the last call and they verified ). 

I could understand if I had a history of late payments. I do not. I could understand if I were over 30 days on my payment, but I am not and will be paying the entire amount of payment and the next payment upon husbands first check at new job on the XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-27 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: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Portfolio Recovery has reported this account to XXXX XXXX, XXXX and XXXX and they have allowed this debt to be report to my credit without verifying proper information. I have never had a legal obligation towards Portfolio Recovery, they claim they are with XXXX XXXX. I did have an account with XXXX XXXX  under XXXX which is a currently closed company that filed bankruptcy. XXXX XXXX  is already listed as a debt on my credit report and I paid this debt as a paid in full settlement agreement amount to XXXX 4 years ago. Portfolio Recovery is reporting this as a new debt on my credit in the amount of {$1900.00} stating that this account was opened 6 months which is false. Portfolio Recovery has constantly harassed and called from different numbers asking me to verify my date of birth without identifying who they are, requesting me to provide my personal information over the phone when they call me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
Barclays closed our credit cards for no apparent reason and with no notice. We have been long term customers, have excellent credit, never missed a payment, and had a {$20000.00} credit line. Barclays has declined to reinstate our cards. I have a Barclays issued case number : XXXX. 

Credit card number : XXXX XXXX XXXX XXXX, expired XX/XX/2022.

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 2022-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I applied to an American Express Gold card on XX/XX/2022. As part of the process, I was notified by the website that it would require additional information for income verification. My credit received an expected inquiry for the application. 

I received the XXXX Request form on or before XX/XX/XXXX. I submitted the document on XX/XX/XXXX. After submitting the document, I continued to receive around three more XXXX requests in the mail identical to the original. I submitted another one on XX/XX/XXXX, assuming there was an issue with the first XXXX. I had no contact with the company at this point. 

On XX/XX/XXXX, I received a second hard inquiry on my credit report that was unauthorized. I discovered this on XX/XX/XXXX, and I called the customer support line to get more information. I was told that my original credit inquiry expired, and they automatically ran a second one without my consent. I was further told that the IRS should be returning the transcripts they requested shortly, so they should be able to make a decision soon and to call back in about a month if I did not hear anything. I was annoyed by the second inquiry, but I was willing to accept it if I received the decision I was waiting for. 

On XX/XX/XXXX, I called customer service again after not hearing anything about the application. On the call, I was told that my application was no longer valid due to it being inactive for 6 months and if I wanted to continue the process, I would need to apply again and receive another inquiry to my credit report. Further, I was told that my original XXXX form did not return from the IRS and that I *might* not need another XXXX if I applied again, but there was a possibility of having to submit the form again. 

At this point I requested to have the inquiries removed from my credit report because the application was never processed and it was entirely out of my control. Further, the second inquiry was not approved by me at all. I was told that was not possible and I requested a callback from their floor manager. 

On XX/XX/XXXX, I received the callback from the manager. They apologized for the situation and said that they will remove the inquiries from my credit report. Further, I was told that if the IRS returns the transcript at any point, I would receive a call from American Express to re-pull my credit to process the application. 

As of today, XX/XX/2022, both inquiries are still on my credit report and I have not heard anything from American Express.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FISERV FINXACT CORE
State: NC

Complaint narrative:
Account was put on credit report, causing loss, financial hardship and denial of credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This is a Update for opened Dispute ID ; ( XXXX ) Date XX/XX/XXXX XXXX E.s.t As of this date on the credit report the last reported date was ; ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) The month of XXXX has updated. After research of the update, I believe the account / auto loan XXXX has reset the 7 years and 1 haft statutes of limitations. The account XXXX changed from XX/XX/XXXX to XXXX SECTION 605 ( c ) ( 1 ) accounts are scattered for these dates. Updated in payment history was not properly reported Information is also missing from Agencys After researching, I believe this report remains extremely confusing and is not clear and accurate.

15 U.S.C 1681 Section 602 ( a ) Accuracy and fairness of credit reporting.

( 1 ) The banking system is dependent upon fair and accurate credit report- ing . Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

These inaccuracies have effectively negative impact on my confidence. It is difficult and It is a burden trying to open a new bank account I will include pictures for this update

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 2022-07-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
I have sent several correspondence and communicated with the credit bureaus. I was advised to file a police report on this FRAUDULENT account reporting on my credit report. I sent a debt validation letter to the creditor directly and still no resolution.

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 2022-07-27 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: AZ

Complaint narrative:
Line of credit was opened in my name fraudulently with the Bank of America. Hard inquiry was placed on 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 2022-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: COLUMBIA BANKING SYSTEM, INC.
State: WA

Complaint narrative:
I was hacked the week of XX/XX/XXXX, reporting this incident to Columbia State Bank ( XXXX XXXX - XXXX, XXXX ), on XX/XX/XXXX, including my police report, FBI ( IC3 ) report along with all text messages and documentation of each day 's occurrence. 
* I asked XXXX about FDIC coverage for the financial loss that incurred and received no response ; also, I asked for a Currency Transaction Report ( CTR ) and received no response. I also said to her that if I didn't have online banking this situation wouldn't have occurred, inferring I didn't receive the proper protection *I asked XXXX if I could call the Fraud Dept. , she responded with " no '' we're handling this internally. 
*With XXXX XXXX help I was able to withdraw monies in order to open a new account with my new bank. 
* On XX/XX/XXXX, I withdrew my automatic DRS deposit and asked XXXX to call me and she said she would tomorrow XX/XX/XXXX, ( to this date she hasn't called ( ( it's XX/XX/XXXX ) ). 
* I'm feeling I'm being disrespected and ignored by staff members that I respected deeply by not informing me of this ongoing investigation.

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 2022-07-27 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: General Motors Financial Company, Inc.
State: NC

Complaint narrative:
Account was put on credit report, causing loss, financial hardship and denial of credit. No proper deficiency

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 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: IN

Complaint narrative:
After reviewing my credit profile on XX/XX/2022 I identified a discrepancy with account listed under XXXX XXXX XXXX and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2022 and the account continues to reflect on my credit report, and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/2022 there have been no updates and the account still reflect on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation have been received proving that the account belongs to me and all information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: IL

Complaint narrative:
Checked my credit report and seen afni on my credit report claiming I owe {$640.00}, I dont know this company at all

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 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: FL

Complaint narrative:
I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. 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 non-monetary relief
Consumer complaint received 2022-07-27 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. 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 non-monetary relief
Consumer complaint received 2022-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This is a Update for opened Dispute ID ; ( XXXX ) Date XX/XX/XXXX XXXX E.s.t As of this date on the credit report the last reported date was ; ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) The month of XXXX has updated. After research of the update, I believe the account / auto loan XXXX has reset the 7 years and 1 haft statutes of limitations. The account XXXX changed from XX/XX/XXXX to XXXX SECTION 605 ( c ) ( 1 ) accounts are scattered for these dates. Updated in payment history was not properly reported Information is also missing from Agencys After researching, I believe this report remains extremely confusing and is not clear and accurate. 
15 U.S.C 1681 Section 602 ( a ) Accuracy and fairness of credit reporting.

( 1 ) The banking system is dependent upon fair and accurate credit report- ing . Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

These inaccuracies have effectively negative impact on my confidence. It is difficult and It is a burden trying to open a new bank account I will include pictures for this update

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: PNC Bank N.A.
State: OH

Complaint narrative:
Asked PNC BANK for replacement payroll card on Friday, XX/XX/2022. Was told it would be sent in 5-7 business days. It is currently Wednesday, XX/XX/XXXX and I have not yet received the replacement payroll card. Tried to contact customer support on Tuesday, XX/XX/XXXX about not having received the replacement payroll card yet, but was sent back to the starting menu by the support agent instead of receiving help. I have not been able to use my last 2 paychecks. Currently only have the old deactivated card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 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: PA

Complaint narrative:
XXXX XXXX has reported this account to Trans Union, XXXX and XXXX and they have allowed this debt to be report to my credit without verifying proper information. I have never had a legal obligation towards XXXX XXXX, they claim they are with XXXX Bank. I did have an account with XXXX Bank under XXXX which is a currently closed company that filed bankruptcy. XXXX Bank is already listed as a debt on my credit report and I paid this debt as a paid in full settlement agreement amount to XXXX 4 years ago. XXXX XXXX is reporting this as a new debt on my credit in the amount of {$1900.00} stating that this account was opened 6 months which is false. XXXX XXXX has constantly harassed and called from different numbers asking me to verify my date of birth without identifying who they are, requesting me to provide my personal information over the phone when they call 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 non-monetary relief
Consumer complaint received 2022-07-27 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: PA

Complaint narrative:
XXXX XXXX has reported this account to XXXX XXXX, Experian and XXXX and they have allowed this debt to be report to my credit without verifying proper information. I have never had a legal obligation towards XXXX XXXX, they claim they are with XXXX Bank. I did have an account with XXXX Bank under XXXX which is a currently closed company that filed bankruptcy. XXXX Bank is already listed as a debt on my credit report and I paid this debt as a paid in full settlement agreement amount to XXXX 4 years ago. XXXX XXXX is reporting this as a new debt on my credit in the amount of {$1900.00} stating that this account was opened 6 months which is false. XXXX XXXX has constantly harassed and called from different numbers asking me to verify my date of birth without identifying who they are, requesting me to provide my personal information over the phone when they call 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 2022-07-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: VA

Complaint narrative:
My acct was hacked. On XX/XX/22 {$270.00} at XXXX ; XXXX was STOLEN from my CASH APP. Then on XX/XX/22 {$1000.00} was taken. I FILEDa complaint but it was denied. I have been with CASH APP for four years. I WAS ROBBED OF {$1200.00}. I AM A XXXX VETERAN I NEED MY MONEY TO PAY RENT AND MONTHLY BILLS. CASH APP CLAIM NUMBER XXXX. I NEVER AUTHORIZED ANYONE TO DEBIT MY ACCT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
I have enclosed your response to my previous complaint about the outstanding late fee. 
1. You stated the late fee was assessed by XXXX. That is incorrect. I have enclosed the welcome letter from XXXX dated after any late fees were assessed. This was also covered in conversation with your customer service dept. 
XXXX. You stated three late fees were assessed. One in XXXX of XXXX. One in XX/XX/XXXX and one in XX/XX/XXXX of XXXX. You also stated I made a payment of XXXX on XX/XX/XXXX leaving the balance of {$88.00}. The payment of XXXX would have covered the late fees in XX/XX/XXXX and XX/XX/XXXX. 
3. What you omitted was that this mortgage was in a COVID related forbearance from XX/XX/XXXX - XX/XX/XXXX. This resulted in a partial claim. Regular payments began again in XX/XX/XXXX. The late fee in XXXX of XXXX should have been credited back as there were no late fees to be assessed during that time. 

I have included documentation about the start and conclusion of forbearance. It is shocking to me that after two hours on the phone and now two complaints with full documentation we are still arguing about an {$80.00} late fee. Yet Fay can increase a payment amount two days before its due by {$230.00} dollars because they made an error on a escrow analysis without providing any supporting documentation. This documentation was requested on the first of XXXX and again on the XXXX and again in my last complaint. Still waiting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 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: DE

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-07-27 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: DE

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: MI

Complaint narrative:
I got a title loan back in 2021 and I received {$1000.00}. On my first contact it says I'm being charged 98.60 % interest rate. I can't afford the payment XXXX a month and only XXXX goes to the payment I owe. They have been sending me new contracts but the amount and what I owe us wrong. I get another offer but the amount I got and the amount owed is not correct at all

Company response to consumer: Closed with explanation