vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-14 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: CA

Complaint narrative:
Pursuant to FCRA 15 U.S. Code 1681i, I am requesting that XXXX not furnish any information about me concerning my credit file. I believe the information for Bank of America, Account Number XXXX XXXX XXXX is a result of identity theft ; thus, please stop reporting information about me to consumer reporting agencies. 

Please be advised that I am a victim of identity theft. My wallet has been stolen on several occasions and my information has been leaked in a data breach. Following these events, someone used my name, Social Security number, date of birth, and other identifying information, without my authority, to commit fraud on behalf of Bank of America, Account Number XXXX XXXX XXXX. 

As has been noted, an investigation is supposed to involve reviewing documents, researching facts, interviewing witnesses, or comparing handwriting. During my previous dispute process, XXXX XXXX did NOT conduct a meaningful examination of the underlying facts, which is a mere violation of the Fair Credit Reporting Act. XXXX XXXX employees are no more than data entry clerks in the dispute and investigation process. XXXX XXXX did NOT properly review any documents, research facts, or interview any witnesses, such as family, associates and/or neighbors. 

I am requesting that all information about me and my accounts remain private. I want my name, address and credit data excluded from your marketing lists. 
In accordance with the requirements of the FCRA, I am hereby requesting your complete compliance with any and all of the provisions. 

I have been receiving harassing phone calls from some debt collectors. All of the debt collection agencies are committing actions that are prohibited by law. It is my understanding that debt collectors may not harass, oppress or abuse debtors or any third parties they contact. I have also been threatened to be taken to court if I do not pay these debts. These phone calls are completely oppressive, harassing, and burdensome. 

I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney General 's Office, and the 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 explanation
Consumer complaint received 2021-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Choice Recovery, Inc.
State: FL

Complaint narrative:
Choice Recovery INC balance {$42.00} opened XX/XX/201XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXXXXXX XXXX is misreporting joint auto loans on both mine and my wife XXXX XXXX 's credit reports. The account defaulted over 7 years ago, were sold to a collection agency, and should have been 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 2021-06-14 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
XX/XX/XXXX XXXX was contacted by XXXX XXXX XXXX using unknown number person on phone was XXXX XXXX XXXX this was the first phone call from them they purchased my credit card past due from Synchrony bank. Was told I must make a payment today or other action would have to be taken after a little while of going back and forth informing them I did not have the funds he had scared me enough that I said I could do XXXX $ payment today. he said he had to speak with manager to see if it would be ok manager approved and he sit me up on a plan but it was never disclosed to me at anytime this would be sit up for continued auto withdrawls he left me understanding I would be making monthly payments but not auto payments. He told me i must get email and follow directions to accept so i did but when I went to make the {$10.00} payment it sit up payments through XXXX. I did not agree to monthly auto drafts. I agree I owe the money and will do my best to pay the debt but I was only paying XXXX for the month of XX/XX/XXXX. I went to a chat with a representative. He or She since they were using another name and admitted to that due to NC LAw would not help correct the issue. XXXX XXXX harassed me for XXXX min.misleading me on the additional measures they will take to get there money stating that I would have to pay in full on the day it was demanded. Then I agree and make the 1 time payment of XXXX and they fraudulently use the banking information I used to set up payment through XXXX. Went to chat and asked for help at XXXX and XXXX XXXX XXXX XXXX XXXX XXXX would not help and told me to call back next day. ( saved copy of chat )

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 2021-06-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Opened a secured credit card almost 3 years ago and was told it will " graduate '' to an unsecured card within a year resulting in a higher credit limit and refund of my deposit. Has not happened and when I call to ask for information, they only say " we aren't sure why. '' Since then, my credit has improved significantly and I have no trouble getting pre-approvals or limit increases yet this card is sitting there in limbo

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 2021-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: CA

Complaint narrative:
I would like to report this collection company to the Consumer Protection Bureau For their unlawful credit reporting practices. I called the collection company in my social security is not even in their sister but yet they have been reporting collection account in the amount of {$4400.00} that has never been validated because I never received a 30 days notice by law that they are required to send to all consumers. I would like to ask them to provide me with contract with my signature what this dollar amount is for and why they did not notify me prior to reporting it to XXXX XXXX, and XXXX.Just to clarify I am a XXXX of XXXX XXXX XXXX and my husband passed away at age XXXX from XXXX. I only have XXXX and I'm waiting for XXXX XXXX to approve me for XXXX. I can not get low housing because of my credit that is destroyed by this collection company. I'm a XXXX woman and my rights are protected through the XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cooling & Winter LLC
State: GA

Complaint narrative:
A garnishment suit and was taken against me about a debt from XX/XX/XXXX to XXXX that I never knew anything about. An email do the suit was sent to me from my employer In early XX/XX/XXXX about wages being garnished on next pay check. Claim was taken out from Cooling & Winter LLC who claim that they couldnt give me much info because I obtained counsel from my employer which I nor my employer knew nothing about. To gain anymore info about the debt, I reached out to XXXX XXXX XXXX who gave me as much info as they could. Firm representative XXXX told me the debt was from XX/XX/XXXX and payments were made up until XXXX. The debt is almost 20 years old and I dont believe it to be mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC
State: GA

Complaint narrative:
I submit a letter to the collection asking them to validate the information and no response at this time. A letters in writing and mailed out

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 2021-06-14 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: CA

Complaint narrative:
XXXX XXXXXXXX XXXX is misreporting joint auto loans on both mine and my wife XXXX XXXX 's credit reports. The account defaulted over 7 years ago, were sold to a collection agency, and should have been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Revco Management, LLC
State: CA

Complaint narrative:
When my husband passed away in 2018 I moved out of my residence of 16 years. I was with PG for over 18 years.I got approved for Assistant with XXXX and they were going to pay my entire XXXX to XXXX. I worked on that approval for over a month to provide them with the death certificate of my husband and my hardship letter. XXXX was ready to pledge the entire amount to XXXX XXXX XXXX to close my account with zero balance. XXXX XXXX XXXX processed a payment from an unknown credit card and unknown individual that I personally did not authorize to send a payment to my account. I called XXXX  Over and over and they refused to give me the name of the person that made the payment. see XXXX is liable for damaging my credit report denying the {$2000.00} that I was receiving from XXXX and taking a payment from an unknown individual that was not authorized user neither was this individual on my account and as of today they still would not let me know who paid the {$1500.00}. that pay that sure did not help me but it created a balance on my account now it is destroying my credit report. just to clarify I am a XXXX XXXX age XXXX with no home at this moment. The collection company has taken this bill from XXXX XXXX XXXX and is trying to collect during the pandemic knowing that this account is fraudulent because XXXX took a payment from an unknown individual. It is almost illegal for this collection company to be collecting a XXXX XXXX XXXX account during the pandemic.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-14 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Can't reach National AutoFince Company to release title ... 15 year 's ago, XXXX, XXXX, XXXX now XXXX. I tried to contact them regarding vehicle purchased through them from XXXX XXXX XXXX in XXXX, Fl. Purchased at there dealership. The lien is wrong with me being co- signer it's backwards, my ex spouse was cosigner. This was fully paid off. They said I owed interest of XXXX???? This company is no longer in business and I need his name off lien.

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 2021-06-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc.
State: FL

Complaint narrative:
AR Resources had inputted on all three of my credit reports that I owe {$1800.00} from XX/XX/2018 and {$1200.00} from XX/XX/2018 and {$870.00} on XX/XX/2018. I have disputed it with all three credit bureaus. The response I received back to validate the information was an actual document from the hospital violating the HIPPA law, showing my name, my dates of service and the cpt codes, the description of my visit and the Dr who treated me at the time. Nothing that confirma this debt is mine, no signature, no contract anything. Just my personal Dr records. that they should not be in possession of. When I called them in late XXXX to express that they have violated the HIPPA law to remove those delinquencies at once. The rep and her manager got very angry with me and advised me that they didn't send me the letter when the envelope is from AR resources and notes their address.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA

Complaint narrative:
Approximately one year ago, my loan was transferred from XXXX XXXX to Select Portfolio Servicing ( SPS ). When it was initially transferred, I was enrolled in a biweekly autopay program. It took me several months and many phone calls ( at least 10 ) to have my autopay set up with SPS. Because my payments are on autopay, I don't always look at my monthly statements, as I can see them coming out of my checking account. Last week, I logged on to the SPS site to see the balance of my loan. Upon logging in to the account, I noticed that my escrow account is over {$5200.00} in the negative. After reviewing the statement, I realized that SPS had been applying the money meant for taxes and insurance to the principle on my loan. I immediately called the lender to let them know of the issue so that it could be corrected. The initial person that I spoke with told me that she was going to put me on hold for a couple of minutes to see what the issue was. After over thirty minutes of being left on hold, I hung up and called back to speak with a manager. The manager ( XXXX @ ext XXXX ) looked at my account, and told me that I was correct. My tax and insurance money was being applied incorrectly. He stated that he was fixing it and I should see the money back in escrow account in a few minutes. I checked my account while I was still on the phone with him and the money was not back in the escrow account. I stated to XXXX that the money was not there, and he told me " oh, no it will take one to two days '' to appear in your escrow account. It has been more than " one to two '' days, and the money is still not in my escrow account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Bureaus, Inc.
State: OH

Complaint narrative:
This account is reporting in accurately to my credit report. I have attempted in numerous ways obtain verification of this debt and have not received any documentation. I did not authorize anyone to open or sign in my absence therefore it can not be validated as a debt that I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 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: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
In XX/XX/2021, I made a payment via the online portal for Comenity Bank/XXXX XXXX. I incorrectly transcribed the last 4 digits of my bank account as XXXX instead of XXXX. The payment didnt clear, as the account was incorrect. I was unaware of the problem until my credit score dropped 90 points from this late payment. I immediately brought my account up to date. 

I have three credit cards with Comenity Bank, all of which have been paid in a timely manner. This late payments and subsequent drop in my credit score, has rendered it impossible for me to secure any kind of financing or loans for my small business.

I have sent 3 letters requesting a show of goodwill, all of which have been denied. At Comenity Banks request, I then disputed it through the credit bureau to which they also denied after telling me they would not.

I certainly understand that bills need to be paid on time. I have tried very hard to pay my bills on time, especially throughout covid and owning a business that was shut down for months. A 90 point drop in my credit score has decimated my credit. 

I am seeking the CFPBs assistance in hopefully rectifying this, if at all possible. 

Thank you in advance, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NY

Complaint narrative:
Multiple issues with the company LOANCARE LLC. 

I started the COVID-19 forbearance in XX/XX/2021 ... yet monthly I receive statements from the services claiming I am behind in my payments which causes myself and my family unnecessary stress. 

They claim ease of online account for payments and documentation download however since my mortgage has been with them I have never once been able to use online despite resetting my password 20+ times over the years, forcing me to call in wait an obscenely long time to speak with anyone to get my issues resolved.

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 2021-06-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My name is XXXX XXXX I received a letter in the mail dated XX/XX/2021 from XXXX XXXX XXXX stating that they XXXX XXXX XXXX has reported fraud to the federal investigation i believe my by law husband XXXX XXXX XXXX whom im trying to divorce is responsible for these incidents. He also has allies he goes by XXXX XXXX or XXXX XXXX I have never taken a credit card out in my name nor did I take a XXXX dollar insurance policy out. His current address is XXXX XXXX XXXX XXXX ga XXXX I don't know of I need to contact the police about this but I've filed 2 working on 3 other reports on XXXX XXXX. Please help me my contact number is XXXX my name is XXXX 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 explanation
Consumer complaint received 2021-06-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Nations Direct Mortgage, LLC
State: CA

Complaint narrative:
I attempted to refinance with my existing mortgage company Nations Direct Mortgage and they were not able to meet or beat the rate I was able to get through another lender. I received a refund from Nations Direct XX/XX/XXXX and deposited the refund check on Saturday, XX/XX/XXXX which was the weekend close to the checks expiration. As with most people, I've remained home not traveling outside the home except for necessities due to Covid 19. XXXX XXXX XXXX XXXX XXXX returned my refund check because it expired before the next business day. I contacted Nations Direct and explained the issue and requested a replacement check from my them XX/XX/XXXX and was told a refund check would be processed. Since the initial communication, I've contacted this company 3 or 4 times each time the time required to have a check reissued has changed from 2 weeks, 30 days, 45 days. My mortgage is late on the XXXX day and if mortgage payments had not been paid within the timeframe I've been waiting for a check to be reissued, foreclosure proceedings would have been initiated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I submitted a letter on XX/XX/2021, about inaccurate and unverified information on my credit report, and I have yet to receive a response, ignoring the fact it has been over 45 days. I feel as though I'm being used and that my complaints are being ignored. It is clearly stated in Section 611 ( a ) that failing to investigate these issues within 30 days is a reason to remove those things off my credit report immediately. It has been over 45 days, and they should be erased immediately. I demand that these accounts be removed immediately, or I will file a litigation to compensate me for the pain you have caused me. My information was also leaked as a result of the XXXX data breach, and it may have got into the wrong hands.

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 2021-06-14 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
These accounts are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 45 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the anxiety you have caused me. It is clearly stated in Section 611 ( a ) that failing to investigate these matters within 30 days gives a reason to immediately remove these things off my credit report immediately. It has been 45 days, so they should be erased immediately.

Company response to consumer: Closed with explanation