vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-29 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: TX

Complaint narrative:
I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 


This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Its been over a year and a half since threat calls at all hours of the night and hang ups and threats along with violations in accordance to many lawsuits held against this company for Attempts to collect a debt not owed Communication tactics Filed incorrect information on the consumers credit report False statements or representation Threatened to take negative or legal action Written notification about a debt when in deed none was sent ever and buying off old debt that was related to police reports twice and nothing but pure tactics to torture me because I simply one once before when they tried to take me court and I simply not only had it resolved but because Im on XXXX and have no means to pay they are purely torturing me now. 
Just because I made past payments on this account more than 6 years ago doesnt mean I owe the debt. Some of us are simply not wanting out perfect credit to go down the toilet until we cant keep up paying debt that is no longer ours because we are victimized twice of identity theft and have already shared this info with this company and they still allow themselves too literally add to collections without notice nor hesitation that the debt has not been backed up by any letters and they lied to the Government to keep this on collections to hurt me and many others so they think Im gon na wait for 7 years for over a XXXX credit to just drop off my credit? Im not, Im taking action and I will not stop until this is removed from my credit report the calls stop the threats and hang ups stop and o thought since the last class action settlement they changed the way they robocall? No its all a lie and they continue to threat and threat and never validated any debts only because I paid on the account in 2013 they think I have not been through enough trying to get the company to close this account and have it removed from my credit reports and then they slide in and put the account on my collections the same day it was dropped off and this is double jeopardy and illegal and they have showed me nothing by grief and now not only anger but like I said I am giving them one last chance to fix this and remove this instead of acting like children and making malicious threats especially when they dont know me or my mental status. They should rethink what they say to people and I am too say no more at this time. CONSUMER FINANCIAL PROFITS FROM VICIOUS AND ILLEGAL STANDARDS TO OPERATE THIS SO CALLED BUSINESS AND NEEDS TO STOP ONCE AND FOR ALL.

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 2021-12-29 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: AL

Complaint narrative:
My Experian score was XXXX in XXXX, XXXX in XXXX and has been XXXX since XXXX. I have had no late payments, my credit usage has been less than 10 % the whole time, I have not closed any accounts nor opened any new ones, no new inquiries, no changes in my existing credit limits. Experian either can't or won't explain why the same factors that were good enough for a credit score of XXXX in XXXX is good for only XXXX now. There is no reason at all for such a sharp decrease in my score two months in a row and Experian has done nothing but give me the party line about how they calculate their scores and what can cause them to change. None of those things that can cause change has happened, and my credit score has plummeted very rapidly. I would like them to either correct whatever is wrong or give me a satisfactory explanation for such a rapid, drastic change when my circumstances have not changed.

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 2021-12-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: CT

Complaint narrative:
I have disputed this debt on two previous occasions with two separate debt collectors. Each time the cases were dropped. I sent certified letters. File complaints via CFPB. None of the debt collectors were able to provide the debt was mine from XXXX XXXX XXXX. My identity was stolen. The other collectors were XXXX XXXX and XXXX / XXXX. I will be sending a certified letter to ERC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I SPOKE WITH SOMEONE WITH EQUIFAX NAMED XXXX AND WAS RUSHED OFF OF THE PHONE WITHOUT RECEIVING PROPER ASSISTANCE. XXXX WAS RUDE AND WOULD NOT LET ME TALK. ACCORDING THE FRCA ANY UNVERIFIED INFORMATION MUST BE REMOVED FROM THE CREDIT REPORT. 
I CALLED REGARDING A DISPUTE I FILLED MONTHS AGO.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
On XX/XX/XXXX, I ordered XXXXXXXX XXXX without realizing that my Debt card account associated with the XXXXXXXX XXXX had only {$2.00} in available balance. Food bill was {$4.00}. Despite my previous requests that I wanted to opt out of the over draft protection, Bank of AMerica Continued to kept me enrolled. I was charged {$35.00} fee. Then on the same moment, when I paid the delivery driver {$3.00} tip, Bank of America charged me another {$35.00} in fees resulting in a total of {$70.00} charge on a purchase of {$7.00}. 

I called the bank today on XX/XX/XXXX and was told by the representative that she could not waive the charge. 

This amount is excessive, predatory and against my previous wish of opting out of the bank overdraft protection. It is reckless to keep me enrolled and then charge me. I fully understand that overdraft fees make up to 40 % of BOA profits These predatory lending practices need to stop. 

According to XXXX report published on XX/XX/XXXX, Bank of America reached a {$75.00} mln settlement over excessive fees however bank has not changed its practices. Banks have faced many lawsuits over the years claiming they sought to illegally maximize overdraft fees. It seems that CFPB enforcement was seen as a punishment without any impact. It is always the consumers who suffers when these big banks too big to fail go after the same consumers who saved them in financial crisis in the first place.

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 2021-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation
State: MI

Complaint narrative:
One main financial wanted to see my credit report and told me it wouldn't be a hard inquiry and it was a hard inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Advantage LNS Inc.
State: MD

Complaint narrative:
Ive sent out dispute letters, and debt validation letters, The debt holder is not able validate the correct debt amount and neither can the original debt holders, please remove this item from credit, also this debt is past the statue of limitations and should no longer be in collections

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-29 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: OneMain Finance Corporation
State: KY

Complaint narrative:
15 U.S codes 1666 correction of billing errrors.

6 months after contract onemain financial debts auto withdraw for more that the contract amount states and without my consint, according to consumer federal law stated above this company is in dirrect violation of my rights.

futhermore 15 U.S code 1666 states ( e ) Effect of noncompliance with requirement by creditor who fail to comply with thr requirements of this section forfeits any right too collect from obligor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 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: DISCOVER BANK
State: MI

Complaint narrative:
I noticed that there were charges from XXXX XXXX that were supposed to be refunded as I returned all the products in store, and then they shipped two items which I never received and they were supposed to refund. I showed all my proof showing it was refunded on the site but it never was on my card and they said the charges were right. So Im extremely upset that they never refunded me even though I returned the products and Ive seen countless complaints towards XXXX XXXX about them not actually refunding and now Im out of money because Discover didnt even look at my uploaded documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-29 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Dear Sir or Madam, I do not have any identity issues with XXXX. Bank of America closed my account with no reason or explanation that anyone bothered to tell me anyway. I called and they reopened my account. Three days later, XXXX made a 21 week deposit into my account. When my funds, totaling around {$20000.00}, hit my account, they closed it again. I called and the Bofa representative answered, she asked me my phone number and my card number. Then she told me I failed verification and referred me to a branch with 2 forms of ID. She did not ask me my name, date of birth, social security number, or any other questions to even try to verify me. I asked to speak with a supervisor. The supervisor told me I had failed verification and to go to the bank. I told her to listen to the call, the representative didnt even ask me my name! She told me to go to the bank. 

Bank of America forced me to go to the bank with 2 forms of ID. I went to 2 different branches, both times I was told that I didnt have an account number with Bank of America and they could not verify me because I am a prepaid customer. They said to call the number on the back of the card. When I did, I was told to go to the bank again. I explained that I already went twice. They told me to go back again. No one will listen to me long enough for me to explain exactly what happened. 
Going to the bank wont fix my problem, I tried two times. Calling Bofa will not get my account reopened. XXXX says they have sent the form to Bofa several times to have them reopen my account. Bofa denies receiving any correspondence from XXXX. 

I know that the bank is trying to hold all the pandemic money they possibly can, but this is ridiculous, to a point I would say it is criminal. People are struggling right now they are keeping peoples hard earned money from them at any cost. It is so obvious what they are doing. Please put a stop to the disgusting greed that is going on. I cant believe they have been able to get away with it this long. 

Thank you, XXXX 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 2021-12-30 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: FL

Complaint narrative:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/XXXX. I was scammed and submitted a fake check to one of my savings accounts. There was multiple transactions there to transfer money through XXXX to the scammer, all of them were rejected and was not sent. I suspected that it was fraud after multiple attempts to send money to the scammer. I called the USAA Fraud Department to report this right away and to put a note on my account so they can protect me. On the week of XX/XX/XXXX, I keep seeing on the USAA app that my funds are unavailable. I thought it was a glitch so I let it be. I received a call from USAA on XX/XX/XXXX which is XXXX XXXX at XXXX, I asked them to call me back because I am hosting a XXXX party with my friends and family plus it's already too late. The person told me that she understands, and would call me back. Today is XX/XX/XXXX, and I never received a call back. I contacted USAA to know more as to why my funds are unavailable and ask them to fix it. That's when I learned that they have closed or made all of my funds unavailable without prior notice including my savings accounts that I share with my husband. They made it unavailable before informing me, before I can give any opinion on my part. I have done my part to report the fraud activity because I was the victim, but they are treating me like I was the bad person. They have closed my accounts and did not give me a chance to transfer my funds so I can pay my bills on the first week of XXXX. They made my own money unavailable. How am I supposed to buy groceries, pay my bills, and feed my kid without access to my accounts? They told me that they will not send my check or my money until after 60 days. Where am I supposed to get money to pay my bills and buy food? They have violated my right to be informed, to be heard, and to redress this situation. I was a victim, and I have been a loyal customer to USAA since XXXX as a XXXX XXXX XXXX and this is what they paid me back. This is not right. They failed to inform me before making my funds unavailable. They failed to give me a warning or a notice. They failed to hear my opinions regarding what happened. They failed to protect me as a consumer to redress this fraud activity. Please help me correct this. They are also closing my credit card accounts and this will hurt my credit history. I have never missed any payments and have an excellent credit score, but because of this, this would hurt my credibility. USAA is also the account I used to receive my GI Bill and XXXX benefits from the VA. They did not give me a chance to change anything or even update my direct deposit before doing this to me. I have no money to pay my bills and buy food for my kid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Avadyne Health Holdings, Inc
State: MI

Complaint narrative:
HR Accounts called and left a message saying that I owe them a debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by TransUnion. Despite sending them the complaint, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX-Date of inquiry : XX/XX/XXXX XXXX XXXX-Date of inquiry : XX/XX/XXXX XXXX XXXXDate of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXXDate of inquiry : XX/XX/XXXX XXXX of inquiry : XX/XX/XXXX XXXX-Date of inquiry : 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 non-monetary relief
Consumer complaint received 2021-12-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: MD

Complaint narrative:
This account should no longer be on my report it exceeds the statue of limitations in the state of Maryland and according to the law must be removed for multiple reasons, debt cant be validated

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 2021-12-29 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX-Balance {$0.00} XXXX-Balance {$0.00} XXXX XXXXBalance {$10000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 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: TX

Complaint narrative:
On XX/XX/XXXX I got an alert saying that I missed a payment on my XXXX XXXX so I called them and spoke with a rep that said he was going to reverse the late payment and the {$1.00}. He said that in 30 days to check back and the late payment should be removed along with the {$1.00}. My card was not used the actual credit limit was still on the account. I called today XX/XX/XXXX due to my report not being updated and spoke with a Rep who said that they are sorry for the mis information the {$1.00} was removed but the late payment will remain. My issue is why would the representative before tell me that the late payment can be removed because the {$1.00} was removed from the balance. I told the rep if the {$1.00} was a mistake and you guys removed it then that means the late payment is mistake to. This is hurting my credit rating, I am in the process of buying a home and I won't be able to because of XXXX miscommunication.

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 2021-12-29 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: TX

Complaint narrative:
I RECENTLY APPLIED FOR RESIDENCY AND HAD MY CREDIT RAN WHEN I DISCOVERED IVE BEEN A VICTIM OF IDENTITY THEFT, THESE FRAUDULENT ACCOUNTS, COLLECTIONS AND INQUIRIES WERE FOUND ON MY CREDIT REPORT, ACCOUNTS - XXXXXXXX XXXX XXXX XXXXXXXX ACCOUNT NUMBER - XXXX, XXXX XXXX XXXX XXXX - ACCOUNT NUMBER - XXXX. COLLECTION - XXXXXXXX XXXX XXXX, INVESTIGATIVE .RECOVERY. INQUIRIES - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXX, XXXX, XXXX XXXX. ID LIKE THIS INFORMATION TO BE BLOCKED AND PERMENATELY REMOVED 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 non-monetary relief