vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: FIRST ADVANTAGE CORPORATION
State: DC

Complaint narrative:
They got the wrong disposition date on my background report so my arrest date looks more recent than it actually was

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
On XX/XX/XXXX Bank of America closed my unemployment debit card account and sent back funds that had been payed out tome from nevada unemployment. When I tried contacting bofa they informed me that it was unemployment who issued the freeze on my account. When I was finally able to reach someone at unemployment days later, the gentleman i spoke with informed me that this was not the truth. He stated that it was actually BofA who had issued these mass account freezes on thousands of claimants. Anyone who had ever had their account locked before due to fraud activity suspicions were now having to go through this ridiculous freeze of their account and contact nevada unemployment to verify their identity and wait for their account to be reopened. I have been waiting since XX/XX/XXXX and have filed each week since for unemployment and it is now XXXX XXXX XXXX and I have yet to receive a XXXX. My utilities are being disconnected now, I can not feed my children. I tried calling Bofa multiple times for them to tell me that even after unemployment notifies them that my identity has been verified I will have to wait for an unknown amount of time longer for BofA to update my account. These people couldn't care less about the hardship this is causing my family or what we are suffering because of this mess. I am waiting in a little over {$2000.00} to date from this mess that could be useful in helping my family eat and keep out heat and lights on.

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 2021-02-02 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: AES/PHEAA
State: AK

Complaint narrative:
I have attempted for the last few months to talk with both XXXX, the original debtor and PHEAA who apparently decided to try and collect on something discharged in bankruptcy almost THREE years ago. Normally, I understand student loans might not be considered able to be discharged, however, mine was a hardship case due to a horrific injury and loss of a business that left me unable to work. PHEAA shows this as closed on all credit reports, but they NEVER should have been able to report it to begin with and if nothing else, how can they report it as LATE/COLLECTIONS every month, yet agree it was discharged and closed?? TIRED of fighting them!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: XOOM CORPORATION
State: CA

Complaint narrative:
Xoom has been nothing but an aggravation and will probably not only not use it again but lodge a complaint with the proper authorities. 

Seems I am a XXXX  for believing Xoom would be quick and easy. Several promises were made in the promotion : Next business day ( your money will typically arrive next business day to any bank in the United States ) Only bank name and account # needed ( Step 3 : Choose any bank in the US. Step 4 : Enter your recipient 's account on our secure page. Step 5 : Conveniently pay ) 'verification department ' was 'starting to process ' for a couple of days and never responded to inquiries. 
Status messages never received - i had to call them and endure a typical 'customer care ' experience. 

Seemed to be what I needed : quick transfer of some {$3800.00} so i submitted a request on a Friday evening, XX/XX/XXXX. Completion was promised Monday night, XX/XX/XXXX. Repeated checks of status only had 'verification process started. ' Even after the due date. Finally today ( almost 4 days later ) i called and they said they needed 'more information. ' They never asked or sent a status on that. The info they 'needed ' were some irrelevant issues, e.g., why? For an amount under $ XXXX it seems they must have been treating us as drug dealers. Now they have sent it onto another department and said it will be an additional business day! 

Multiple messages sent to their customer service, including to the 'verification department. ' No relevant response received. 

Poor service, not as advertised.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-02 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: CA

Complaint narrative:
When filing disputes I was under the impression that the Bureaus had 30 days to reply to my request is this not true? .. It has been way over 30 days we are going on 6 months now and NOTHING!!! .. What do I have to do to make them reply to my request?. I have already took the time to file disputes and now am having to take the time to write a complaint all because they refuse to do their job.

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 2021-02-02 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: EQUIFAX, INC.
State: CA

Complaint narrative:
When filing disputes I was under the impression that the Bureaus had 30 days to reply to my request is this not true? .. It has been way over 30 days we are going on 6 months now and NOTHING!!! .. What do I have to do to make them reply to my request?. I have already took the time to file disputes and now am having to take the time to write a complaint all because they refuse to do their job.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 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: PA

Complaint narrative:
Experian does not care about FCRA violations. I disputed an account with them on XX/XX/2021 regarding a Collections Account I had no knowledge of, with a company called XXXX XXXX. They finished their investigation ( report # XXXX ) and concluded that the account would remain. Frustrated, I uploaded documents showing that I had sent correspondence to Amsher through their online portal, through e-mail, and through physical US mail requesting debt validation. Experian ignored the fact that XXXX refuses to respond to my requests for debt validation, they also refuse to acknowledge that XXXX violated my FCRA rights by giving me no notice of this debt, at all, in any form, and have decided that this account should remain on my credit report. I request that Experian be held accountable for these bad practices.

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 2021-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: WA

Complaint narrative:
I was having a technical issue with my gmail account. I called the XXXX XXXX customer service number. A supposedly XXXX technician said he could help me and need to access my computer. He said it had been hacked. He said it would take an hour or so to fix and then it would be a charge of {$89.00}. When it was time to pay he got access to my bank when I was trying to pay online and changed the amount to {$990.00}. My bank said that they could not help me that I allowed it which I did not. They are unable to refund the money. Please do not trust the internet phone numbers. This was a total scam and I am so ashamed and angry.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
I recently found this account on my consumer reports on XX/XX/2021. I am not liable to this alleged debt with Credit Collection Services. I never entered into a contract or credit transaction with Credit Collection Services. Credit Collection Services is in violation of 15 USC 1692 b, this company is infringing on my right of privacy. Credit Collection Services is also in violation of 15 USC 1692 d and 15 USC 1681, accuracy and fairness of credit reporting. This is an inaccurate collection that has been furnished to my consumer reports which has resulted in my credit worthiness and reputation being ruined. It seems as though this company is a collection agency, however I never received any correspondence from this company notifying me of who they are, what debt they are attempting to collect. This company, Credit Collection Services, also is not licensed as a debt collection agency in NY. The two collections on my in the amounts of {$220.00} and account {$160.00}.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
some one hacked my IP address and made a quickpay account under my bank account and sent someone I don't know money. I did not authorize this nor did I create this account. Chase admits that they don't track IP address that were hacked and denied my claim without doing thorough investigation. I DID NOT CREATE THIS ACCOUNT NOR DID I SEND SOMEONE I DONT KNOW MONEY. They also admitted that they did not contact the other persons bank or them to resolve it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
In XXXX or XXXX, XXXX, I redeemed XXXX HSBC Reward points for {$51.00} cash to my external bank account. I was unaware that the {$51.00} had to be transferred to an HSBC bank account. HSBC did not transfer the money to my external bank account. By its letter to me of XX/XX/XXXX, HSBC advised me that " We were not able to process the credit because the Checking Account you selected is not the correct account. Therefore, we have returned XXXX points to your Account. '' See 12/28/20 HSBC Letter ATTACHED. However, 30 days after the letter, after 5 phone calls with HSBC and more than 4 hours on the telephone with HSBC, HSBC has not returned any Reward points to my account, so my Reward Points remain at XXXX. I have called HSBC 5 times. I was repeatedly told by HSBC that the matter was being " escalated '' to a Supervisor and someone in Customer Service would call me back the next day. It is now XX/XX/XXXX, more than 30 days from the HSBC letter, and Customer Service did not call me back nor restore the XXXX Reward Points to my account. Today, I again called HSBC because I still have XXXX Reward Points, and was on the phone with HSBC for OVER TWO HOURS, and at the end of the conversation, was told that HSBC would " look into the matter and contact me within 3-5 business days. '' This is not a reasonable response. HSBC affirmatively misrepresented to me that the Rewards Points were restored to my account, and when they were not, there was really no reasonable remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 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: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
On XX/XX/2017, LVNV Funding, LLC added a derogatory remark on my credit report per XXXX XXXX. Upon further research this account was transferred/sold and I am no longer responsible for this account. Debtors/creditor did not verify this collection. Also there was no written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate a debt and anyone can send a bill and say it is mine. According to FCRA, LVNV Funding, LLC has violated my rights as a consumer and I am requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
The Bank of America is holding onto 6000 or more of my money. I'm receiving benefits from the California XXXX. BOA flagged my card for fraud and froze my account. BOA distributed unsecure cards with only magnetic strip technology. I have taken all steps to verify my identification, including visiting a branch in person with several forms of ID. I believe they are deliberately delaying the process for 1.5 million Californians in order to hold and invest this money. Not only is this a failure on behalf of California policy and the EDD to send verification to BOA, but the BOA is deliberately delaying urgency to solve this problem that they created. This delay even caused the The whole system was designed to fail. Distribute unsecure cards, flag and freeze accounts, and continue investing money that is in holding.

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 2021-02-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: General Motors Financial Company, Inc.
State: KY

Complaint narrative:
I DO NOT HAVE A CONTRACT WITH XXXX XXXX NOR DO I HAVE ANY CONTRACTS WITH GM FINANCIAL. Show me a contract bearing my signature as validation and competent evidence that I have some contractual obligation to pay you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
There was an issue the resulted in a return payment. The creditor conatacted me at XXXX XXXX on XX/XX/2021 ( Before XXXX XXXX XXXX. I informed them that there was a bank error to resulted in the issue and then I would make a payment online on XX/XX/2021 once it was resolved. 
The creditor called multiple times on Tuesday XX/XX/2021, and then repeatley harrased me by calling my over 6 times in one day XXXX XXXX/XXXX/201 XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Stillman, P.C. d.b.a. Stillman Law Office
State: KY

Complaint narrative:
Dear Stillman Law Office XXXX XXXX, I am responding to your contact about collecting a debt. You contacted me by mail, on XX/XX/XXXX and identified the debt as with Immediadent allegedly owing {$1200.00}. I do not have any responsibility for the debt youre trying to collect. 
If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. Please note that I am requesting " validation '' that is competent evidence bearing my signature, showing that I have or ever had some contractual obligation to pay you. If you can not validate the debt, stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau XXXX or have already done so ), also report that the debt is disputed. Please be aware that any negative mark found on my credit reports from your company or any company that you represent for a debt that I don't owe is a violation of the Fair Credit Reporting Act & Fair Debt Collection Practices Act. This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

Thank you for your cooperation. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 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/2020 I sent a letter regarding innacurate and unknown thing on my credit report to the 3 bureaus, XXXX, Equifax, XXXX. To this day over 45 days later I have not received a response yet. Section 611 ( a ), stated that a failure to investigate these items within 30 days gives a reason to immediately remove the items from my credit report that was inaccurate and unknown that I was disputing. It has passed the legal limit stated by section 611 ( a ) so it should be removed immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this has caused me. My information was involved by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I contacted them email mail no response

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 2021-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Hi, I just recently put in a complaint here with Experian and was told I was not authorized? What does this even mean? What does " This complain lists someone the company does not recognize as their customer or their customer 's authorized representative '' mean? Do you need to contact me via email or phone? Either way, I have not received ANY response to my disputes. Please send my updated credit reports!

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 2021-02-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: PENTAGON FEDERAL CREDIT UNION
State: WA

Complaint narrative:
I have called PenFed Credit Union three ( 3 ) times about unauthorized charges on a Visa Credit Card. Each time the Security Department representative states they will credit the charges and investigate the fraud. When I call back or, most recently, after I rec 'd my bill, I speak to the security department representative who states they have No Record of the fraudulent charges or of my call. 

My member number is XXXX my CC number ends in 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 2021-02-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Navient Student Loan Service reported a balance increase ( interest increase ) during the Federal Covid Forbearance on or around XX/XX/2021 which caused a drop in credit score. There should have been no increase as all of my loans are federal and covered under Covid forbearance prohibiting interest accrual and balance increase. They now will not respond to my contact attempts including email sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
In XX/XX/2020 I engage with Golden 1 to refinance a loan they currently held. In XX/XX/2020 I raised my concern with the loan officer XXXX XXXX when I noticed property tax request for funds in the refinance at the same time that the original loan was set to pay property taxes. I was very clear that Golden 1 should coordinate as to which loan would pay the property taxes ( between the original mortgage and the refinance ) so as to avoid a double payment. Loan officer XXXX XXXX assured me a double payment would not be made. Golden 1, did in fact, double pay my property taxes ( approximately {$5100.00} out of the original loan, and the second approx. {$5100.00} out of the refinance loan ). Since XX/XX/2020, I have engaged in 36 telephone calls with Golden 1 in an attempt to obtain reimbursement. Golden 1 has provided a variety of responses including certain dates that I should receive reimbursement. All of the dates have passed without payment.

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 monetary relief