vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-20 00:00:00
Product: Credit card or prepaid card — Store credit 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: OPTUM BANK, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX I sent the finance company a dispute letter of the XX/XX/XXXX charge in the amount of {$24000.00}. They replied with a letter dated XX/XX/XXXX that they had issued a provisional credit until they finish their research. Their next letter received dated XX/XX/XXXX, stated that they had issued a PERMANENT credit for the disputed amount ( {$24000.00} ) + interest and fees accrued. This should have brought my balance to {$0.00}. About a month later I received a statement showing the provisional credit of $ XXXX was credited on XX/XX/XXXX. It also shows the provisional credit was REVERSED on XX/XX/XXXX. This transaction occurred 1 day before the letter that stated that the provisional credit ( $ XXXX ) would be permanent. There is also a direct transaction credit from the Merchant of only {$20000.00}. This transaction wasn't authorized and such credit leaves the account with a balance of {$3000.00} + a finance charge of {$20.00} = {$3000.00}. I don't know why I owe this when the dispute was settled, and I didn't authorize this. The finance company explained to me that the merchant credited less and that I would have to talk to them. When I spoke with the merchant, they told me that " what was done is done. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: FL

Complaint narrative:
MRS BPO , LLC has put a collection on my credit file on behalf of XXXX, the address for the service has never been associated to me, I did not sign up for any services. I have never had an account with XXXX. I have already contacted them and informed them that this account isn't mine, I also disputed with XXXX multiple times, I refuse to pay for an account that isn't mine, I have a perfect credit record with no late payments or collections, and now I have to deal with a crooked company that is harassing me and creating credit problems.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I keep receiving emails from Bank of America regarding a new checking and savings account being opened under my name. I have called two times to close these accounts. But it continues to happen. I would like Bank of America to take action and not allow these accounts to be opened online. I am worried something fraud will result from these instances.

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 2023-04-20 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with a check written from your prepaid card account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Bank of America owes me 2 checks and I want them sent out to me immediately I do not have 90 days notice v waited 3 years to get this resolved then when it is resolution telling me my lost checks were cashed all of a sudden and it took them a year to give me this information now they want an additional 90 days my bills are due past due as well and I am asking for a temporary credit to my account for the inconvenience so I can meet my dead line on the XXXX XXXX yiu  have all documents I sent over which is why my claim was honored in my favor I am requesting credit until resolved for the lord and misleading information as well as for the losses and Bank of America admitting fault for these issues as well as my funds missing iv spent to many years on this its very devastating I need to keep my property stable so Im gone need a credit to my account or check expedited to me 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 2023-04-20 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Fraudulent Account Appearing On Credit Report. 1. XXXX XXXX XXXX {$4600.00}

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 2023-04-20 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: EQUIFAX, INC.
State: GA

Complaint narrative:
To whom this may concern, I sent a letter to XXXX, Equifax and XXXX concerning the inaccurate information reported on my credit report by your company. They indeed deleted the inaccuracy placed by your company and since then it has been illegal reinsertion to my credit report by YOUR COMPANY. The items came back verified. I want to know : how did you verify this inaccuracy? 

I have attached a letter and proof of the deletion that was done to my account. Your company is in violation of Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof with my wet signature that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.

Also, under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. Ive done research on the E-Oscar and pacer system and unfortunately thats not efficient enough. It doesnt have my wet signature. 

Attached : A complaint letter, PROOF of deletion of the account on my credit reports, copy of my Social Security Card, my FTC report and Drivers License is attached for proof of identity

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: OH

Complaint narrative:
Freedom Mortage Corp XXXX ( Financial ) Mortage opened XX/XX/XXXX paid off in full XX/XX/XXXX. Showing open with late payments as late as XX/XX/XXXX This mortage was paid off in full, and I have the closing documents too prove it. It being open and showing late payment is keeping me from buying a house currently.

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 2023-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: COMMUNITY FINANCIAL SYSTEM, INC.
State: NY

Complaint narrative:
I have a personal checking acct at Community Bank NA in XXXX XXXX XXXX, NY XXXX only use my checking acct as a secondary account and able to access online only- I don't receive paper statements- I had been locked out of my account for months since I dont use the account regularly- When I again got access to see it online on XXXX XXXX, I discovered there was a revolving amount being drafted from my acct- {$610.00} since XX/XX/XXXX. I immediately called my bank ( XXXX ) XXXX and they had me come in and sign 6 signature pages for disputing the 6 transactions that occurred either the XXXX or XXXX of every month starting XX/XX/XXXX. I was told from my local bank XXXX Community Bank NA from XXXX branch manager ) ) that another Community bank in XXXX XXXX NY transposed their bank ID number ( XXXX ) with mine ( XXXX ) and then also changed a number to reflect my personal checking acct number. I was sent letters from Community bank for the following date of transactions : XX/XX/XXXX - we have not completed our investigation- we issued you a provisional credit to your account and will notify me with 45 days of the results. If we discover an error did not take place, we will notify you that we are going to debit your account XXXX same message as above XX/XX/XXXX - we have credited your account-disputed transaction- {$610.00} XXXX we have completed our research regarding your dispute and the dispute was not submitted in a timely manner= they will not give me my money back XXXX we have credited your account-disputed transaction- {$610.00} XXXX we have credited your account-disputed transaction {$610.00} That does not make sense they will not credit my account for the false transaction that took place on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently checked my credit report and noticed some inquiries I did not approve nor know how they got there. I never opted in to a contract with this company nor can they provide me with a copy of any agreement I have with them, that is because there isn't one. 

This false reporting is damaging to my credit as I am preparing to buy a home for my family. I need this error to be removed IMMEDIATELY. 

XXXX XXXX XXXX has placed this on my credit report since XX/XX/2022 I also contacted the credit bureau regarding this matter. 

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 2023-04-20 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: TX

Complaint narrative:
I recently checked my credit report and noticed some inquiries I did not approve nor know how they got there. I never opted in to a contract with this company nor can they provide me with a copy of any agreement I have with them, that is because there isn't one. 

This false reporting is damaging to my credit as I am preparing to buy a home for my family. I need this error to be removed IMMEDIATELY. 

XXXX XXXX XXXX has placed this on my credit report since XX/XX/2022 I also contacted the credit bureau regarding this matter. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 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: NY

Complaint narrative:
I have a student loan account with DEPT of ED/XXXX account # XXXX. The account on my credit file incorrectly shows 90, 120 and 150 days late from XX/XX/XXXX to XXXX and XX/XX/XXXX. Under 15 USC 1666B this is a billing error. I have never been late with any payment. 

What is the USC code 1666b? 
A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
My card was stolen in XX/XX/2023 and I disputed the charges four times everytime they denied it they have no documentation to support why they keep denying me they basically just don't want to uphold American express zero liability fraud protection terms and it is really sad they even suspended my account saying that I am submitting to many claims but all my claims are for the same transactions that is fraudulent I really need help getting my money back this is against the law American express serve should be ashamed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
I recently submitted a request to investigate an item on my credit report to one of my creditors. However, the creditor rejected my request on the grounds that it was initiated by a credit repair organization and deemed frivolous or irrelevant. It's important to note that under the Fair Credit Reporting Act ( FCRA ), rejecting a request solely on the basis of who initiated it is illegal, regardless of whether it was initiated by a credit repair organization or not. Furthermore, the use of templated letters for credit report disputes is a common and lawful practice. Additionally, I provided the creditor with adequate identification information. Any intentional delay in the investigation process is both illegal and unwarranted. I demand that the creditor comply with their legal obligation to promptly investigate the matter as requested.

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 2023-04-20 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I recently submitted a request to investigate an item on my credit report to one of my creditors. However, the creditor rejected my request on the grounds that it was initiated by a credit repair organization and deemed frivolous or irrelevant. It's important to note that under the Fair Credit Reporting Act ( FCRA ), rejecting a request solely on the basis of who initiated it is illegal, regardless of whether it was initiated by a credit repair organization or not. Furthermore, the use of templated letters for credit report disputes is a common and lawful practice. Additionally, I provided the creditor with adequate identification information. Any intentional delay in the investigation process is both illegal and unwarranted. I demand that the creditor comply with their legal obligation to promptly investigate the matter as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 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: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
In accordance to the fair credit reporting act of 15 U.S. Code 1681 - Congressional findings and statement of purpose, 15 U.S. Code 1681 ( A ) ( 4 ). States There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The persons XXXX XXXX XXXX are consumer reporting agencies and I am the Consume. That is federally protected, With birthrights to ensure that my private in personal information isn't shared without my authority which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. LVNV FUNDING LLC is a financial institution according to title 15 USC 1681 section 604 a section 2 states that In general subject to subsection ( c ), Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. A consumer report may be furnished only when the consumer gives the credit reporting agency written instructions or permission to provide a report, LVNV FUNDING LLC i.e the financial institution along with the consumer reporting agencies XXXX XXXX XXXX has never! Obtain permissible purpose from me the consumer to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, And LVNV FUNDING LLC is hereby extinguish, rescind, revoke, cancel, abrogate, annul, nullify, discharge, and make void ab initio. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. LVNV FUNDING LLC have not informed me of my right to exercise my nondisclosure option. 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: MA

Complaint narrative:
On Monday XX/XX/XXXX I cancelled my service ( a cellphone line ) with XXXX. I requested that the cancellation be effective immediately, which I believe did not happen. I also asked whether I would be receiving a bill and was assured that I would not. Weeks later I received a XXXX bill in the mail stating that I have a past due balance of {$100.00}. I have tried calling customer service to dispute this bill but they have refused to help me because I do not have a pin code that they need in order to access my account. I asked to speak with a supervisor and the sales associate refused to get a supervisor on the line. I have been repeatedly failed by XXXX over several years, as my brother has continuously accessed my account and made changes on my account despite all the security protocols XXXX assured me they would put in place to avoid this issue. In XX/XX/XXXX I cancelled 2 lines ( I had a total of 3 lines ) and XXXX convinced me to not cancel the 3rd line so that my brother could take ownership of his line. He never did so the responsibility fell on me. Since XX/XX/XXXX the phone bill has fluctuated every month and XXXX has not even allowed me to see what they are charging me for because I do not have the pin code. This whole experience has been extremely stressful and I refuse to give XXXX any more of my time and money. I do not want to go the legal route and I am hoping that this can be a helpful means to avoid this issue going any further. I have excellent credit, have always paid my bills on time, and have never had any bill go to collections. I need XXXX to take accountability for their lack of security protocols and poor customer service.

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