vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: MN

Complaint narrative:
To Whom it May Concern, This letter is a formal compliant that you are reporting and incomplete credit information.

According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
I recently purchased an engagement ring for my fianc but once Covid-19 surfaced I was unable to make payments and immediately informed XXXX XXXX about my situation. I was able to have my payments deferred until XXXX but I still willingly make payments when I can. In XXXX, XXXX XXXX attempted to take money out of my account but there was no money because I was not working. I incurred a returned check fee from my bank because of this. I called my bank ( XXXX XXXX ) and explained my situation also stating that I explained my situation to XXXX XXXX as well and they understood. Therefore, my bank removed the fee because XXXX XXXX deferred my payments until XXXX and understood my situation. 

I discovered that XXXX XXXX tried to take a payment because I was still set up with autopay. So, I immediately called XXXX XXXX to have myself taken off of autopay. When I was able to gather money, I paid my bill for the month on XX/XX/2020 although no payment was required. A week later, I received a notice saying that funds ( which were available ) were returned to my account. I figured there must have been an error somewhere, so I once again paid my monthly bill on XX/XX/XXXX. This payment was successful. 

XX/XX/XXXX, I was notified that my XXXX credit card was put on hold and I was charged a returned check fee. I called my bank and asked why the payment was not successful the first time when I definitely had funds in my account and they said they put a stop payment on my account due to the crises. I asked to have the stop payment removed and I immediately called XXXX XXXX to let them know what happened because I had now incurred a returned check fee from them due to this unforeseen situation. I explained the situation to the young lady representing XXXX XXXX and she assured me that the fee would be removed since there was a misunderstanding and the hold would be lifted on the card. 

Earlier this week, XX/XX/XXXX, I saw that my statement for XXXX still had the returned check fee on it after I just spoke with someone about the issue. I called XXXX XXXX again and was severely mistreated by a representative named XXXX. He continued to belittle me by making it seem as if I did not know what I was talking about. I then asked for a supervisor and had an emotional breakdown mid conversation because I am trying to support my family during this pandemic and continue to be a great customer yet the XXXX XXXX employees continued to say that it was my fault that I incurred the charge and they refused to remove it. I brought up the fact that I was lied to about having the fee removed and the blame continued to be placed on me. 

Therefore, I want to report this issue to prevent it from happening to anyone else, especially during the tragic times that we are facing. I also would like to have this fee removed from my account. I would greatly appreciate having this issue investigated. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-13 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I sent a dispute on XX/XX/20 to Experian. It has been well over 60 days and I have not receive any response from experian.

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 2020-05-13 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: VA

Complaint narrative:
On XX/XX/XXXX my credit card was closed without any notice or any letter to explain the reason why from Citibank. My account was then sent to collection on XX/XX/XXXX. I have no outstanding due, have regularly paid my monthly balance in full since opening the account in mid XXXX. I contacted Citi and was sent directly to Collection to discuss payment which I paid on the next day even though there was not any outstanding balance past due. I was being told that is how Citibank business policy every time Citibank receives letter from debt collection agency. I have never worked with any debt collection agencies in my entire life. My credit score is perfect. I have reported alerts to the three credit agencies to protect my credits. I also have reported to a local police department for identity theft.

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 2020-05-13 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: GA

Complaint narrative:
MY IDENTITY WAS USED TO OBTAIN GOODS WITHOUT MY CONSENT OR KNOWLEDGE I DID NOT AT ANYTIME APPROVE OR WAS AWARE OF ANY SERVICES THAT THE PERSON WHO USE MY IDENTITYNTHE ACCOUNT WERE OPEN FRAUDGENTLY I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRAS. On XX/XX/2020, I mailed Equifax, XXXX   and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
MY IDENTITY WAS USED TO OBTAIN GOODS WITHOUT MY CONSENT OR KNOWLEDGE I DID NOT AT ANYTIME APPROVE OR WAS AWARE OF ANY SERVICES THAT THE PERSON WHO USE MY IDENTITYNTHE ACCOUNT WERE OPEN FRAUDGENTLY I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRAS. On XX/XX/2020, I mailed XXXX, XXXX   and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-05-14 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I have requested from Equifax my free annual credit report three times. I did receive my XXXX XXXX and XXXX  reports. However, I need my Equifax report and I even submitted a copy of my drivers license to confirm my address. Please Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To whom it may Concern I went on to check my credit and what I saw I was not Happy at all, how can someone do this to me and how where they able to get my Information to Open fraudulent Accounts. 
this Fraud Needs to stop in Florida. I did not Give any Consent to no one to open any of these Accounts I want this matter Resolve. this is not right thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To whom it may Concern I went on to check my credit and what I saw I was not Happy at all, how can someone do this to me and how where they able to get my Information to Open fraudulent Accounts. 
this Fraud Needs to stop in Florida. I did not Give any Consent to no one to open any of these Accounts I want this matter Resolve. this is not right 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 explanation
Consumer complaint received 2020-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To whom it may Concern I went on to check my credit and what I saw I was not Happy at all, how can someone do this to me and how where they able to get my Information to Open fraudulent Accounts. 
this Fraud Needs to stop in Florida. I did not Give any Consent to no one to open any of these Accounts I want this matter Resolve. this is not right 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 explanation
Consumer complaint received 2020-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I already reached out to Equifax and to XXXX XXXX and notify them of their error posting of information on my report. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " real '' but as of the moment no information received.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have tried several times to obtain a copy of my free annual Trans Union credit reports. I did receive XXXX   and XXXX. I really need my Trans Union report.

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 2020-05-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I reported fraudulent activity on my visa credit card with Bank America. There were two fraudulent charges made on XX/XX/XXXX and XX/XX/XXXX at the same location in amount of {$39.00}. I filed a claim with Bank of America and they denied the claim with no explanation other than saying I have too many accounts with this pizza place, which makes no sense. I contacted them again and they said they'd have to file an appeal it would be another 45-90 days. In the meantime while I'm waiting for appeal, they added the two charges back into my account which is continue to accrue interest. Please help me with these fraudulent charges and unfair treatment from Bank of America

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
Consumer complaint received 2020-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I contacted Equifax and let them know the account for XXXX XXXX. This is a FRAUD account and does not belong to me. I have never received anything from this company. Please delete and block this account from my credit and delete the following inquires XXXX/XXXXh, XXXX, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I got a Bank of America travel rewards credit card in XXXX. I set up automatic payments immediately upon activating the card. One day after my second bill was due, I found out that the bill had not been getting paid automatically, and I was responsible for two late payments on the card. I was never notified by Bank of America that I missed any payments. I contacted them and they could not help me, only tell me that I did not have automatic payments set up on my account. I have had more than enough money in my BofA checking account, which is the account I set the payments to withdraw from, to pay these bills.

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
Consumer complaint received 2020-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I already reached out to TRANSUNION, to XXXX XXXX and to XXXX XXXX and notify them of their error posting of information on my report. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " real '' but as of the moment no information received.

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 2020-05-14 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: CA

Complaint narrative:
On XX/XX/2020, Governor  XXXX of California shut down the state and ALL NON-ESSENTIAL workers were order to stay home until XX/XX/XXXX due to COVID-19 pandemic. I am a XXXX XXXX and we are consider non-essential. My building where I lease a XXXX  XXXX , closed the building until stay home orders are lifted. All my wages depends solely on XXXX. Once I lost wages and was unable to receive unemployment, I was unable to pay my XXXX XXXX XXXX credit card due XX/XX/2020 in the amount of {$60.00}. On XX/XX/XXXX, I called XXXX 's to enroll me in the Relief program for customers whose jobs have ben affected by the COVID-19 pandemic and if my late payment was reported, if it was could he revered it. He said he couldn't see if it was on reported and that I have would to look on my credit report. Today, I see that XXXX has reported " late payment '' on my credit report, which is utterly disgusting to do during a pandemic when we are all struggling to survive, keep our family safe and are forced to stay home relying on a tumultuous government. I am on XXXX XXXX now and XXXX just allowed sole proprietors to apply for benefits in XX/XX/XXXX. I would like this inaccurate " late payment '' removed. 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 explanation
Consumer complaint received 2020-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hi, my name is XXXX XXXX. I was reviewing my credit information and I found fraudulent activity on my report. Please open an investigation and remove these accounts from my credit report.

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 2020-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hi, my name is XXXX XXXX. I was reviewing my credit information and I found fraudulent activity on my report. Please open an investigation and remove these accounts from my credit report.

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 2020-05-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
An auto loan was opened in XXXX of XXXX in the name of my XXXX father with Credit Acceptance Corp. The vehicle was totaled and Credit Acceptance sent the title to my father but it was added to his credit report and mine! They stated the balance owed was {$11000.00} and the account was closed in XXXX. XXXX XXXX I received an alert that the account was open and current. XX/XX/XXXX the account is saying open and the balance has increased by {$4600.00} on an account that was closed 5 years ago! I attempted to contact them several times over the years regarding the inaccuracies and they have refused to comply. This is causing financial duress as it has effected my credit score which is also causing undue emotional duress during a global pandemic. Credit Acceptance is predatory and unethical.

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 2020-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
In trying to resolve a disputed error on my credit report with XXXX XXXX for more than a year and to no avail have they responded to the error made on my credit report. To date, it continues to show a late payment entry from XX/XX/2014 as that is impossible since the account was closed and transferred to another lender with the same account number and that one showed no late payments and paid-in-full. It appears that I have a double entry for two of the same accounts. After being assured that all would be resolved, all ( 3 ) credit bureaus still show inaccurate payment information. I was then advised it was up to me to dispute with all ( 3 ) credit bureaus and I did just that. I have written countless dispute letters for more than a year and no removal. I have been trying to clear this matter for over a year with all ( 3 ) credit bureaus XXXX, XXXX  and XXXX  and creditor directly. I appreciate any assistance you can provide in clearing this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I returned all the items on one of my XXXX XXXX orders purchased using my Bank of America credit card. However, I have not received credit from the merchant and thus I'm trying to dispute the charges with Bank of America. However, I can never get the dispute to go through on the Bank of America website. Also the texts that get sent are so slow that it always falls out of the 10 minute range. 

The charges that I am trying to dispute are : XX/XX/2020 {$58.00} XXXX XXXX XXXX TX XX/XX/2020 {$470.00} XXXX XXXX XXXX TX XX/XX/2020 {$26.00} XXXX XXXX XXXX TX XX/XX/2020 {$510.00} XXXX XXXX XXXX TX XX/XX/2020 {$130.00} XXXX XXXX XXXX TX XX/XX/2020 {$38.00} XXXX XXXX XXXX TX XX/XX/2020 {$140.00} XXXX XXXX XXXX TX XX/XX/2020 {$110.00} XXXX XXXX  XXXX TX XX/XX/2020 {$110.00} XXXX XXXX XXXX TX XX/XX/2020 {$53.00} XXXX XXXX XXXX TX

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