vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-28 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.

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 2022-03-28 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: GA

Complaint narrative:
On XX/XX/ 2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I contacted the Bank Of America Claims Resolution department via phone on XX/XX/2021 and advised them of the issue with my account. They promptly responded just this time 10 days after I contacted them about the issues with my account. They advised me that they would be contacting me in 10 days and would have a resolution for me due to the issue pressing on for months and months. They did not contact me 10 days after so I filed a complaint with the comptroller of currency of Texas due to the lack of order shown by the Claims Resolution department. They then contacted me and advised me that they would contact me 10 days additional with a resolution since they received and complaint via the comptroller of currency with the issue they hadn't resolved as they advised they would. They then closed the account that the issue associated with and now have told me that they have no information pertaining to the dispute and this is after they have opened me a new checking and savings account number under my same name and have no information regarding the claim from the prior account that was supposed to be resolved per consumer rights laws and regulations. I have been trying to get them to resolve and correct this issue since XX/XX/2021 and am now waiting again on the phone for almost a hour and still no resolve. I'm not sure who this department is that I was sent to to have this issue corrected but I'm very distraught not only to the lack of adherence to Federal laws and regulations required of large corporate banks such as Bank of America, but also because of the fact that a total of {$3300.00} has just mysteriously vanished and they have completely fandangled their way into somehow saying that this dispute doesn't exist at all. The original claim number is XXXX I'm certain that this is a mistake and they hopefully will correct this error. I'm not speaking with XXXX in Delaware in the fraud department. I advised that I would be submitting a new complaint with the issue. Please help me I feel like I just completely have been disregarded as a loyal customer of Bank of America for over 13 years. I was just advised that the original issue was established XX/XX/2021 per Bank of America Representative.

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 2022-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pavilion Payments US BuyerCo, LLC
State: MI

Complaint narrative:
This company has been calling me everyday telling me I owe them {$50.00} for XXXXn XXXX. I have never used this company and the only time I have played XXXX XXXX is by buying tickets at local convenient stores, so how do I owe this company money?? I want them to stop with the harassing phone calls and remove whatever debt they claim I have as this is not my debt. I have never played online using the XXXX XXXXXXXX online system, the only thing I have done online with XXXX XXXXXXXX is use the " Play Again '' option on losing scratch offs which was years ago, I don't even think they do that anymore. I have never transferred money to this site nor purchased anything from this site, I have never used this company, and I do not owe anyone any money. I have even checked the site to see if any balance shows and it says {$0.00} so where is the {$50.00} coming from that they claim I owe them. I am not giving this company any money, I want the calls to cease, and I want the debt removed from my name as it is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 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: GA

Complaint narrative:
On XX/XX/ 2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.

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 2022-03-28 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.

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 2022-03-28 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: CITIBANK, N.A.
State: WV

Complaint narrative:
I have been an account holder on my Citibank Sears XXXX since 2013. I have only had one late payment in the last 3 years and recently paid off a {$900.00} balance only to get a letter stating they are closing my account. So basically I got punished because of what a system generated and no one actually looked at the actual history of my account.

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 2022-03-28 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: OH

Complaint narrative:
I have sent the XXXX XXXX to the department of education and XXXX for the past year to resolve wrong information and the removal of my student loans. 

I am a XXXX XXXX  and under the Americans with Disabilities Act this information needs removed from my credit file. My loan was also over 7 years ago.

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 2022-03-28 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: OH

Complaint narrative:
I have sent the XXXX XXXX to the department of education and XXXX for the past year to resolve wrong information and the removal of my student loans. 

I am a XXXX XXXX and under the Americans with Disabilities Act this information needs removed from my credit file. My loan was also over 7 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have sent the XXXX XXXX to the department of education and XXXX for the past year to resolve wrong information and the removal of my student loans. 

I am a XXXX XXXX and under the Americans with Disabilities Act this information needs removed from my credit file. My loan was also over 7 years ago.

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 2022-03-28 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I did a tour of a XXXX property on XX/XX/2021. After touring the property I came home to several notices that a credit card had been opened in my name. I never authorized a credit card with Comenity Bank. I contacted Comenity Bank to advise them of the same. Comenity stated that the account had a {$0.00} balance and my understanding is that they would close the credit account. I then received a bill in XXXX for a transaction dated XX/XX/2021. I contacted the bank, Comenity and advised that we did not complete a transaction on this date. Comenity refused to allow me to dispute the transaction. I had requested several times to dispute the transaction and it was not until I recited federal credit laws and argued with a supervisor that I was able to dispute the transaction. 

The response from the dispute was received and stated that I was liable for this transaction. But provided me with documentation for a transaction dated XX/XX/2021 with XXXX but no credit application with Comenity. The credit card statement still reflected a transaction date of XX/XX/2021. This is not in fact what occurred. I have been trying to get Comenity Bank to remove the transaction according to the regulations. Our disputes with Commenity are that we never received the goods ( ie timeshare points which is a separate legal issue ), we never applied with a credit account with Comenity, the transaction date is incorrect, and incorrect spelling of my name. I am looking for resolution from Commenity Bank as they have placed us in a delinquent status as this has not been resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-28 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
i sent a few disputes regarding an account that isn't mine its been well past 2 months now and i have not gotten any communication or results. saying this account is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 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: MD

Complaint narrative:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 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: MD

Complaint narrative:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX XXXX XXXX and may have gotten into hands of the wrong person.

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 2022-03-28 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX XXXX XXXX and may have gotten into hands of the wrong person.

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 2022-03-28 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act the accounts have violated my rights : Dept. of EDXXXX XXXX XXXX sectioned into 18 accounts ) XXXX XXXX XXXX Members XXXX XXXX Michigan XXXXy XXXX XXXX XXXXt XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: VA

Complaint narrative:
A company called CRG ( I am assuming it's Columbia Recovery Group from my internet research ) leaves one to three ringless voicemails per day on my phone threatening to come to my house or place of employment to " collect a debt. '' They've been calling daily for at least six months. They've threatened to contact my supervisor and to have me arrested in front of my coworkers. I called them and told them I'm onto their scam and to stop calling me, but they won't. I asked the person who answered what kind of company they were and where they were located, but all the woman would say is " we're a litigation firm '' and proceeded to tell me off about why I had no right to know what their address is. My phone number has been on the Do Not Call Registry for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
Venmo money app I have been using this app for about 2 years at least, without any issues or problems. 
Recently ( XXXX ) my account was overdrawn and frozen. 
I found out, all the transactions were from a friends account that had been hacked. 
So venmo withdrew every single transaction that my friend had sent me overdrawing the account and also charging fees. Unknowingly my friends sent me money via venmo XXXX $ and later XXXX XXXX And all this money as vanished leaving my balance at XXXX!!? 
I have tried 3 times to dispute by phone but they keep telling that they can only help through email. XXXX So I have been communicating back and forth for weeks without correction of my account. Initially They said paying the overdraft of XXXX would correct my account which XXXX of my money should have fixed but not they have taken all my funds XXXX the initial overdraws XXXX. 
So at this point I am at a loss as what to do. 
Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 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: MD

Complaint narrative:
My name is XXXX XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and/or bankruptcy from my credit report immediately.

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 2022-03-28 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
My name is XXXX XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and/or bankruptcy from my credit report immediately.

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 2022-03-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: MD

Complaint narrative:
I requested a loan payoff amount to payoff my loan. I sent a cashier 's check to payoff my loan and the check was confirmed delivered on XX/XX/XXXX - the delivery was signed for by a XXXX XXXX at BSI. I've been calling and emailing them since that date ( 6 weeks ago ) asking about the status of my check and payment. I've gotten no answers and have been bounced around to different people with no results and now I have another payment due even though I've already sent a check for the full payoff. This is completely ridiculous and a mortgage company should not be allowed to operate in this manner.

Company response to consumer: Closed with explanation