vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-08 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: MI

Complaint narrative:
In XX/XX/XXXX, I initiated online and over the phone disputes to all three credit bureaus XXXX, Transunion and XXXX. The following accounts are either closed or I am not responsible for the account listed. The accounts listed on my XXXX report that are unverified and shall be removed are as follows : ( US DEPARTMENT OF EDU, US DEPARTMENT OF EDU, FED LOAN SERVICING, FED LOAN SERVICING, XXXX XXXX XXXX  ). 
Accounts listed on my Transunion report that are unverified and shall be removed are as follows : ( US DEPT OF ED, US DEPT OF ED, XXXX, XXXX ). Accounts listed on my XXXX  report that are unverified and shall be removed are as follows : ( U S DEPT OF EDXXXX, U S DEPT OF EDXXXX, XXXX XXXX XXXX ). On XX/XX/XXXX, I mailed written requests to each bureau requesting to have the accounts listed above to be verified and if could not be verified to be removed. It has been 30 days and I have still yet to receive any information proving my responsibility for those accounts. I am writing to the CFPD to request that you demand each bureau to comply as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if they fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately. I have also sent out letters to each bureau letting them know that i would be complaining to the CFPD XX/XX/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 2021-02-08 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: TN

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I disputed a derogatory account with Transunion on XX/XX/2021. XXXX XXXX, a debt collector, put an account into collections illegally, and I made Transunion aware of this. I made a previous complaint to Consumer Finance which was # XXXX, back on XXXX. XXXX XXXX disavowed that it was their account, and then reported to Transunion that the account was accurate. I am including the XXXX XXXX response as an attachment. When I disputed this with Transunion on XXXX, I told them that this company, XXXX XXXX was lying and had answered the Consumer Finance complaint and disavowed their account. Transunion did not send me any follow up correspondence or reach out to me again. I called Transunion today, and they told me that XXXX XXXX answered the complaint and verified that the account is accurate!!! I want Transunion to remove this account immediately. They are the ones damaging me by not doing a proper investigation.

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 2021-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the 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 2021-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have had a business checking account with Bank of America since XXXX. I applied for and received a first round of PPP through them. That was a horrible, fraught process filled with dysfunction. I approached them again beginning on XX/XX/XXXX to begin to apply for the second round of PPP, the deadline for which is XX/XX/XXXX. Despite repeated ongoing attempts over hours, days, multiple departments, escalations, local business representatives, " tech support, '' etc., the dysfunction is so complete that not a single person has been able to correct the problem. I successfully submitted the application and additional documents were requested ( six bank statements from my BOA account showing the disparity in 3Q income between XXXX and XXXX ). I am unable to upload these documents to complete the application. There is a problem with the login credentials I was given by BOA and there is no way for me to upload the documents into any kind of portal. My loan application is not associated with the credentials or login I have been given. Wherever it is, I am locked out of it and can not access it.No one has been able to fix this issue. No one cares. I need this fixed today to complete my PPP application. I have no where else to turn. I have kept a log of most of my interactions but at this point they are so extensive and horrific I am not going to waste further time enumerating them here. A few images them are attached.

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 2021-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
Portfolio recovery is trying to say that I owe them money because they bought credit card debt that isnt mine. The card was opened at XXXX XXXX XXXX XXXX XXXX la XXXX in 2017, I have documentation that I have been living at XXXX XXXX XXXX XXXX XXXX XXXX la XXXX for the last 7 years this debt isnt mine. I called them and tried to resolve the issue nothing happened I also disputed with all of the credit bureaus and havent got a response. They are hurting my credit for no reason

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I have a home loan with Bank of America ( BOA ) of which I have continued to make monthly payments on for several years. As of XX/XX/XXXX, it appears there was a default in the payment process whereas I was told my payments were late. Subsequently, they had charged a late fee each month and I just received a statement for XX/XX/XXXX stating that I owe double the amount. I have made several attempts to contact the customer service area with no avail. The last time I spoke to an agent was last week ( Agent by the name of XXXX XXXX ). She agreed that something happened in the system whereas I was actually paying in advance and the payment was not accurately being applied and therefore causing me to get monthly late fees over {$1400.00}. I was told that she was going to do the research and get back to me but yet again, no call or email. I tried to call again today XXXX and was disconnected. Per our conversation, I should have all of my late fees removed and my payments adjusted as I would actually be about 2 months ahead in payments. I am tired of getting the run around and feel that I am being scrutinized. In addition, I am fearful that they are going to ruin my credit when I have, in good faith, made my payments. I am not going to continue to do business with a company that can not adhere to a system of controls that harms consumers.

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 2021-02-08 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: TN

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 2021-02-08 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: R.M. Galicia, Inc.
State: CA

Complaint narrative:
Progressive Management Systems, is reporting that I have an open account with them when I do not. The medical bill is being paid through XXXX XXXX XXXX. They notified PMS to cancel the account because I have qualified for financial assistance and will be making payments directly to the hospital. I have asked them to remove it, as well as the liaison from XXXX who speak with representatives at PMS. I have also disputed this account on multiples platforms and they are still maintaining that I have an account. The representatives at PMS are very rude and do not care about customer issues at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 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: NY

Complaint narrative:
I've been attempting to remove fraudulent accounts from my credit report since XX/XX/2020. Its been over 7 months and the fraud accounts are still showing. The bureaus have been non responsive and for a process that should take 30 days has taken over 250 days with no end in sight. USPS tracking shows my letters are being delivered and signed for and yet the investigations haven't even been initiated. This is my last resort before I escalate this matter through the legal channels.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 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: NJ

Complaint narrative:
I've been attempting to remove fraudulent accounts from my credit report since XX/XX/2020. Its been over 7 months and the fraud accounts are still showing. The bureaus have been non responsive and for a process that should take 30 days has taken over 250 days with no end in sight. USPS tracking shows my letters are being delivered and signed for and yet the investigations haven't even been initiated. This is my last resort before I escalate this matter through the legal channels.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I looked at my yearly report on XXXX XXXX and found a middle name that belongs to a sister. Her address is also included. I have filed a complaint two years ago for the same reason. I in no way gave her permission, nor would I EVER allow her use of my information or change of MY middle name. This has been a constant battle. I have been XXXX  from her and her family for XXXX years. They are disgusting criminals. She happens to be a bankruptcy secretary. 

XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Colony Brands, Inc.
State: MA

Complaint narrative:
Amidst this worldwide crisis that we are facing with all that is going on this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Amidst this worldwide crisis that we are facing with all that is going on this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 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: CarMax, Inc.
State: FL

Complaint narrative:
All of these companies was not done from me. Please remove I have been hospitalized due to XXXX. 
1.XXXX XXXX XXXX XXXX 3.Carmax 4.XXXX  XXXX XXXX 5XXXX XXXX 6. XXXX XXXX XXXX 7.XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One 360 Bank have misinformed me about the availability of my funds. I have not had access to my funds since Friday XX/XX/2021. I deposited my check of {$5000.00} before XXXX on a XXXX XXXX. It is XX/XX/2021 and the bank has yet to release a Partial Release of {$250.00}. I have had no funds for 4 days during a Pandemic and Massive XXXX XXXX that hit New York. 
On Sunday XX/XX/2021, I contacted Capital One 360 about the availability of those funds to no avail. I went ahead and deposited another {$2500.00} and the bank message stated the funds will be available on XX/XX/XXXX. In addition, two representatives confirmed partial releases would occur on Monday XX/XX/2021. 

I'm distraught that Capital One 360 has held my money hostage for all these days. In the past I have made similar deposits of the same amount or more and had no issue getting partial releases etc. Capital One 360 is not adhering to federal rules and regulations and their shoot from the hip style policies is detrimental. 

Please investigate and I would like to be added damages of {$100.00} per day without the access of funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Someone fraudulently opened an account with America First Credit Union in my former name and spent {$17000.00} according to the negative information that I discovered on my credit report. The address reported that is associated with the account is a place I have never lived at or have ever been associated with. I have lived in Texas since XX/XX/XXXX and I do not think we have America First Credit Union here. On my credit report, it states this account was opened in XX/XX/XXXX. I legally changed my name in XX/XX/XXXX and also changed my name on my social security number in XX/XX/XXXX so if this account were truly mine, I would have used my current name, XXXX XXXX XXXX, to open the account. I have reached out to America First Credit Union regarding this information and they claim that they have already sent the account to collections. I believe I am the victim of identity fraud & will do whatever I can to prove that this account is not mine. I have submitted disputes with XXXX and XXXX, wrote letters to America First Credit Union with all my correct information to prove the account is not mine but have not succeeded with disputing this account. I have also submitted a report on identity theft.gov.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
This is regarding my XXXX XXXX credit card through Comenity Bank. On XX/XX/XXXX, I contacted them to let them know I was having trouble making the XXXX payment and asked for a deferment ( on their website they did offer COVID assistance, which was a message I read when I logged in to my account ). I have been unemployed since XX/XX/XXXX, and had been making my payments all along, but then my Unemployment benefits were stopped on XX/XX/XXXX for an invalid reason. I subsequently had to file an appeal with the state but that hearing was not scheduled until XX/XX/XXXX, so I didn't have the income for nearly 8 weeks at that point on XX/XX/XXXX. They agreed and said I would not have to pay my XX/XX/XXXX nor my XX/XX/XXXX minimum payments. Then, on XX/XX/XXXX, I logged in t my account to check it ( this is my payment due date ) and it showed NO minimum due - XXXX. At that point, my unemployment benefits had just begun resuming, so I made a small payment of {$40.00} ( again, NO payment was required ). The {$40.00} payment cleared on XX/XX/XXXX. On XX/XX/XXXX, a Sunday, the calls from Comenity Bank began, starting at XXXX in the XXXX. They called at least 8 times, and each call was from a different number ( in Ohio, Colorado, etc. ) or, showed up as a blocked number. On XX/XX/XXXX, I did finally answer one of the calls, and explained to the agent that I did in fact make a payment when none was due and told her it had already cleared. She thanked me and said she would notate the account. Well, then, the next day, on XXXX, the calls continued from Comenity. I had NINE missed calls from them on XXXX. I did not answer, figuring their computer system hadn't yet updated or something. The next day, on XXXX, the calls continued. I received THREE calls that morning ( all within the space of under 2 hours ) and I finally answered. I told this new agent the entire story and that I had just told an agent on Sunday, XX/XX/XXXX, that a payment had been made when none was required. I then said I would file a complaint with the CFPB if the calls continued, as they were harassing me. All for $ XXXX. It's ridiculous. The calls did stop for a few days, but they just began AGAIN! Today, on XXXX. I have not answered yet but decided to file this complaint instead. I have all the calls saved in my phone, and again, they are from different numbers. When I re-dial the number it says Comenity Bank, so I know it is them. If they can not manage a COVID assistance program for their customers, then they should not offer it!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Opened business checking and savings account on XXXX and got an alert on Mobile banking to call due to suspicious activity after calling customer service, was told back in XXXX chase decided I can nolonger open any accounts with them. I have credit card with them that I've had no issues on. If I can get a credit card why can't I get a business checking or savings account.

Company response to consumer: Closed with explanation