vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-10 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: GA

Complaint narrative:
On XX/XX/2021 I was sent a letter from XXXX  XXXX XXXX advising that my account was paid off due to my auto insurance company XXXX paying the balance of XXXX in full and I owed XXXX. This account is still reporting to my credit report in error and violating the fair credit reporting act The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the XXXX. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The XXXX and Accurate Credit Transactions Act added many provisions to this XXXX primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 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: PA

Complaint narrative:
A collections company, Afni, is attempting to collect a debt from me on behalf of XXXX XXXX XXXX. I was never contacted by XXXX XXXX XXXX directly. They are saying I owe {$1600.00}. Apparently sometime back in 2021 this occurred. I had also had this issue with XXXX, and it was discovered my identity was stolen including my social security number. XXXX closed my case after their internal investigation. I have not been able to speak with anyone from XXXX XXXX XXXX since they referred this to a debt collector and after speaking with Afni the debt collector, they told me XXXX XXXX XXXX doesn't recognize any identity theft and that I still owe the money. How do I get any resolution with XXXX XXXX XXXX if they won't speak with me one on one?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I opened an secured credit card account XX/XX/2021 with Navy Federal credit union for the total amount of XXXX funded with cash to build credit and I was told after XXXX months that I would be consider for a unsecured account in XXXX months after a review with the bank. I was also told if I was approved that they would match whatever had had in my savings account and add that to my secured credit card, so with that in mind I decided to put an additional XXXX on to my credit card to increase the amount to XXXX on XXXX XXXX I was approve for the increase and there was no issues. I noticed about a month later that my savings account was in the negative of {$2900.00} but me not having experienced with credit cards I assumed that it was an error on the bank end and went on with my life. Navy Federal never contacted me, Never sent an overdraft letter in regards to my account being overdraft. I didn't take the negative amount seriously until I called in asking information on how I can increase my chances of getting approve for an unsecured credit care three months after I signed up for the card and that's when the representative told me that I was reponsible for the negative account and wouldn't be elgible for the unsecured credit card until it was paid. I told her that that couldn't be accurate because the {$3000.00} was made and if it wasn't how why did Navy federal allow me to utilize the XXXX and charge me interest on the money for several months if the account was not in good standing or if they never received the initial required payment for the card to be issued. I got the run around, I got I don't know, I got well when we went in to take the funds out of the checking/savings account the XXXX was there so that's why your account is in the negative, so I said well it must have been a computer error or the payment was actually applied to the account through the the system by ach transfer allowing the XXXX limit increase and she said no we never received the payment. I contact serveral associates including branch managers and also requested an investigations on where my XXXX XXXX dollars went if they didn't get the payment and all I got was a packet of bank states for a year but nothing showing that XXXX XXXX dollars was not applied to the credit card. I am writing this complaint because I get at least three calls a week from navy federal in regards to this credit card and every time I tell them why I am not paying they still cant resolved the issues and I am still responsible for interest rates, late payment ect. I want this issues solved in a fair manner and I want all my money back plus interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-10 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:
I sent a letter to XXXX, XXXX XXXX Equifax on XX/XX/2022, I still haven't received anything back. According to 15 USC 1681i ( a ) ( 1 ) ( A ) XXXX, XXXX, and Equifax have 30 days to respond to my dispute. 

This is a violation of my rights. 
When they did respond they said everything was verified but they did not show what resources they used to verify accounts and proof I owe debt. I also contacted all accounts listed below and requested for original contract from creditors I got no proof I even owe the proclaimed balance from them and they didn't remove debt I don't owe off report. 

Please reinvestigate accounts below and delete this incorrect information from my corresponding reports. 

Accounts that need to be investigated properly : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Under 15 U.S.C 1681 ( b ) Permissible purposes of consumer reports.

Any of thepurposeslistedinSection 604of theFCRA, 15 U.S.C. 1681b.

Certified

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
This bank, Comenity Capital Bank, has been harrassing me since the last year when I closed the account with them. I made the last payment of {$100.00} and request to close the account on XX/XX/2022. 

Since then they are still and continually harrassing me with late charges, even though, I request the closure of the account. 

Im tired of this situation. Previously to this, I filed bankcruptcy and this bank was included in the bankcruptcy. They all the time are over me harrassing me. 

Please intervene so they stop this practice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-10 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:
I sent a letter to Transunion on XX/XX/2022, I still haven't received anything back. According to 15 USC 1681i ( a ) ( 1 ) ( A ) Transunion had 30 days to respond to my dispute.

This is a violation of my rights.

When they did respond they said everything was verified but they did not show what resources they used to verify accounts and proof I owe debt. I also contacted all accounts listed below and requested for original contract from creditors I got no proof I even owe the proclaimed balance from them and they didn't remove debt I don't owe off report. 

Please reinvestigate accounts below and delete this incorrect information from my corresponding reports. 

Accounts that need to be investigated properly : XXXX XXXX XXXX XXXX Under 15 U.S.C 1681 ( b ) Permissible purposes of consumer reports.

Any of thepurposeslistedinSection 604of theFCRA, 15 U.S.C. 1681b.

Certified

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 2023-01-10 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: FL

Complaint narrative:
On XX/XX/ I noticed misinformation on my XXXX XXXX account in the amount of XXXX I called XXXX XXXX and they told me to it would be updated immediately as of today XXXX XXXX XXXX this issue has not been resolved I have been unable to get answers from XXXX XXXX and it is costing my credit score to have been dropped XXXX points XXXX XXXX is not cooperating to have this information updated on my credit report 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 2023-01-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc.
State: OK

Complaint narrative:
Credit inquiry from commenity big lots. I did not apply for credit. I called them they transferred me would not help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XX/XX/2023 I noticed misinformation on my American Express account in the amount of XXXX I called American Express and they told me to it would be updated immediately as of today XX/XX/2023 this issue has not been resolved I have been unable to get answers from American Express and it is costing my credit score to have been dropped XXXX points American Express is not cooperating to have this information updated on my credit report thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 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: CA

Complaint narrative:
Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

Here is the list of items which are UNKNOWN to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 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: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
On XX/XX/2022 I made an electronic payment from XXXX XXXX XXXX XXXX to Barclay 's Bank in the amount of {$4500.00}. The reason for the error was Barclay 's had been my credit card company for over a decade but had recently sold my account to XXXX Bank. Two days later when the payment wasn't posted to I realized the mistake. I immediately contacted XXXX 's who assured me the errant payment would be forwarded to the trialing institution ; XXXX. It never was. Despite being provided a proof of payment from XXXX XXXX XXXX and being contacted by XXXX that the payment wasn't received, Barclay 's refuses to do anything. Barclay 's has stalled every chance they could. Not receiving faxes of proof of payment, emails that must be in spam folders, refusing to provide a receipt that they sent it forward to XXXX. They have closed numerous cases related to this issue without any resolution, causing me to have to start new investigations many times. I have spent hours on the phone each week, even had XXXX do an investigation from their end. They reported never receiving any money from Barclays, and tried to reach Barclay 's to speak with them but never having their call returned from XXXX XXXX, 2022. I have had XXXX XXXX XXXX  start an investigation as well with XXXX XXXX. This involved weekly calls to Barclays, where often the representative had little knowledge of the case or could not do anything to find a resolution. This case ended when XXXX called for the weekly meeting ( which usually lasted 2-3 hours ) but I was at work teaching and could not take the call. I called a few hours later and was told the case was closed because I had not answered the call. Barclays has had my money since XX/XX/XXXX. I have spent hundreds of hours trying to get them to return my money or provide any proof that they sent it to XXXX or to myself. They have done neither.

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 2023-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have called several times BANK OF AMERICA and reported that someone used my SSN to open a savings account last XX/XX/2023. I was alerted thru XXXX that an inquiry was done. They told me they will investigate. This is the second time that my SSN was used to open a credit card thru Bank of America without my knowledge. I already put a credite freeze and lock on my credit report. Last year. I want all this to stop and it keeps on happening with the same bank. My name is XXXX XXXX. I live in XXXX XXXX XXXX CA.

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 2023-01-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MI

Complaint narrative:
I was XXXX mortgage relief thru MIHAP for XXXX and the XXXX XXXX XXXX refused to accept the MIHAP funds of XXXX per XXXX XXXX representative on XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 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 — Overcharged for something you did purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I have an Amex card and it is showing that I overpaid by - {$4300.00} in my 2022 yearly summary. In each monthly statement, it also shows that I have nearly always made my payments. Yet, the payment shows I owe {$3900.00}. But I have a credit in my yearly summary for 2022. The credited amount was not applied to my payments and what I owe and I was never informed about it. When I asked customer service and talked to a manager, they insisted the balance is correct. Yet, they did not answer what can be done with a credited amount -where I overpaid. They said that the balance is right and that I still need to make my payment on XX/XX/XXXX. Even when I overpaid in 2022 over {$4000.00}! Amex has duplicitous practices. This should be unlawful - first making people overpay and not informing them about it and then still asking for more payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 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: SC

Complaint narrative:
I have submitted information to my disputes to all the credit agencies and they have yet to send me back the proper information from the investigations.

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 2023-01-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This bank, XXXX XXXX XXXX, has been harrassing me since the last year when I closed the account with them. I made the last payment of {$100.00} and request to close the account on XX/XX/2022. 

Since then they are still and continually harrassing me with late charges, even though, I request the closure of the account. 

Im tired of this situation. Previously to this, I filed bankcruptcy and this bank was included in the bankcruptcy. They all the time are over me harrassing me. 

Please intervene so they stop this practice.

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 2023-01-10 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: NJ

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). Treating these reporting items as unconfirmed information is unacceptable without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and immediately update or correct them from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief