vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
XXXX Credit Card added two months of a XXXX XXXX fee that was called optional that I did not ask for or agree to. I paid my balance off immediately and asked for the account assurance fees to be credited ( {$62.00} ). I requested this on the Comenity website on XXXX XX/XX/2021 and vis phone call with them at that time. The fees were never credited but stayed on the card accuring late fees and interest. Comenity repeatedly called more than 8 times saying there was an outstanding payment due. Each time I spoke with the caller informing them there was no debt and in fact they owed me a refund. The callers either hung up or put me on hold until the line went dead, they have all said that they couldn't help me as XXXX XXXX was a different company!.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-05 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: WI

Complaint narrative:
Experian has not accurately verified any of the information on my file related to this account nor have they adequately investigated the supporting documentation I have sent them including ID Theft Affidavits and Police Reports, as I have been a victim of identity theft originating back to XXXX. Instead, Experian has negligently allowed their automated disputing processing system to repeatedly list inaccurately information on my credit file causing me extensive hardship since XXXX. Below, I have listed some of the recent multiple dispute attempts I have had to file in order to have each individual account errors deleted from my credit file as it has been negatively impacting my credit score for more than one year at least : 1 XXXX XXXX XXXX XXXX XXXX, open date XX/XX/XXXX a. dispute filed XX/XX/XXXX as not my account, possible fraud, ID theft Police Report & fraud affidavit provided b. dispute filed XX/XX/XXXX as not my account, possible merged file with someone with similar names, police report provided, affidavit of iD theft provided c. dispute filed XX/XX/XXXX as not my account, possible fraud, Police Report & ID Theft Affidavit provided Experian only removed multiple addresses and social security numbers listed on my credit file after multiple dispute requests. I assumed, Experian reviewed my ID theft report and affidavit which was sent with the dispute because the inaccurate account was eventually removed, but after months the account reappeared on my credit file with a new closed account status.

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 2021-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Equifax have violated my consumer rights. According to 15 USC 1681i ( 5 ) ( B ) ( ii ) ( iii ) and 15 USC 1682g Equifax have reinserted negative items onto my credit report illegally. I demand that the negative accounts from XXXX XXXX that was previously removed be deleted and blocked. It is illegal to keep the negative accounts on my file without any written consent of reinsertion. I know my laws and I will make sure they are enforced. Attached is my XXXX report showing the accounts were not there but and XXXX report when they were first reinserted. XXXX XXXX. {$61000.00} XXXX XXXX. {$5400.00} XXXX XXXX. {$6800.00} XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
{$14000.00} pending paid still not available with no explanation from Bank of America please help me get my money ASAP

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 2021-12-05 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.

Complaint narrative:
Hi I have an issue with my credit score report. Earlier, muly score was XXXX but because of wrong inquiry my credit score has been down to XXXX for last month. XXXX XXXX  put creditor on my credit score report even i am not customer of bell mobility. Actually there is pne girl whose name and birth date matches to me, she did not pay bill around {$470.00} which i can see on my credit report. Transunion mismatched our information with each other. I can see her addresses on my credit file and even her phone number too. But when i filed a dispute with transunion they said information reported correctly on my credit. When i called to transunion they said i need to call XXXX XXXX but when i called to XXXX XXXX they said i need to call transunion. Now, i am getting run around. Even this is not my fault. When i told to the agent you can check my last 2 years history that where i belongs to XXXX XXXX, he did not give me any response. They are not checking my history that i do not belong to XXXX XXXX in any case. She is a different girl who is not making payment for XXXX XXXX. I really hope you can help me with that. I will look forward to hearing from you. 
Thank you Have a good day.

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 2021-12-05 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: WI

Complaint narrative:
Experian has not accurately verified any of the information on my file related to this account nor have they adequately investigated the supporting documentation I have sent them including ID Theft Affidavits and Police Reports, as I have been a victim of identity theft originating back to XXXX. Instead, Experian has negligently allowed their automated disputing processing system to repeatedly list inaccurately information on my credit file causing me extensive hardship since XXXX. Below, I have listed some of the recent multiple dispute attempts I have had to file in order to have each individual account errors deleted from my credit file as it has been negatively impacting my credit score for more than one year at least : 1 XXXX XXXX Bank auto loan, open date XX/XX/XXXX a. dispute filed XX/XX/XXXX as not my account, possible fraud, ID theft Police Report & fraud affidavit provided XXXX dispute filed XX/XX/XXXX as not my account, possible merged file with someone with similar names, police report provided, affidavit of iD theft provided c. dispute filed XX/XX/XXXX as not my account, possible fraud, Police Report & ID Theft Affidavit provided Experian only removed multiple addresses and social security numbers listed on my credit file after multiple dispute requests. I assumed, Experian reviewed my ID theft report and affidavit which was sent with the dispute because the inaccurate account was eventually removed, but after months the account reappeared on my credit file with a new closed account status.

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 2021-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I checked my reports for accuracy and I saw a very old account for XXXX XXXX for {$650.00} that was opened in XXXX still reporting almost seven years later. The credit reporting time limit of 7 years from the date of last activity is defined by the Fair Credit Reporting Act. The seven year date is XX/XX/XXXX. I am requesting this account be deleted as its very old.

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 2021-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I checked my reports for accuracy and I saw a very old account for XXXX XXXX  for {$650.00} that was opened in XXXX still reporting almost XXXX years later. The credit reporting time limit of XXXX years from the date of last activity is defined by the Fair Credit Reporting Act. The XXXX year date is XX/XX/XXXX. I am requesting this account be deleted as its very old.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I checked my report for accuracy and saw an account for XXXX XXXX XXXX from XXXX XXXX XXXX in the amount of {$750.00}. I have no idea where this account originated from. XXXX agreed to delete the account from my 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 2021-12-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Residential Credit Opportunities Trust
State: OH

Complaint narrative:
I entered into a Covid forebearance plan with XXXX XXXX servicing in XXXX. The mortgage was then sold to XXXX XXXX XXXX and the forebearance plan continued until XXXX of XXXX when the plan reached the end of the allowed time. I reached out to XXXX to explore options for repayment of the forebearance and they informed me that the loan had been sold to Residential Credit Opportunities Trust VII-B at the end of XXXX and that I would have to contact them for options. This was the first time I had been made aware of the transfer of the mortgage to residential credit opportunities trust VII-b. I contacted them and asked what options were available to me for repayment of the forebearance and they told me that they were just the servicer of the loan and that they didnt have any options available to me. They said that they would foreword my request to the proper people and that they would be contacting me within 10 business days with my options for repayment. I was told that I would receive a phone call and an email with these options, I never received either. Ive tried to contact residential credit opportunities trust VII-b several times since then and they always put me through to the case manager where I always get their voicemail and they wont return any of my calls.

Company response to consumer: Untimely response
Consumer complaint received 2021-12-05 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: PA

Complaint narrative:
Several accounts showing on my credit report are unfamiliar to me. These accounts appear on my file are showing without verification. In order for items to show on my credit authorization must be on file. I am requesting to see all verification documents submitted to verify these items.

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 2021-12-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Retail Finance Credit Services LLC falsely reported written off debt to the IRS in the amount of {$9600.00} in my name and SSN. 
The IRS is now seeking to bill me over {$2000.00} in taxes as a result. 

I have never opened an account of any kind with them, Have never been contacted by them, and no debt appears on my credit record and history. 

I have reached out to them and was told by several representatives that they had no record of any account attributed to me. I need them to contact the IRS to correct the matter but have not been able to reach anyone in their organization who will help me.

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 2021-12-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I received a Home Depot credit card in the mail. I never applied for this card or approved any type of credit pull. On XX/XX/2021 an online purchase of over XXXX dollars was made. I have since been getting calls for a past due bill. I called Citi Bank N.A. who issued the card and reported the fraud.

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 2021-12-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
After logging in to my account ( with correct username and password ), it wants to confirm my identity by sending a code to my telephone number. But the telephone number in my account is old and I no longer have access to it. Without this, there is no other way to access my account. 

I have created XXXX support tickets with the company explaining the situation. First they requested that I provide : name, phone number, email and last XXXX digits of the bank card. Then they wanted " the first XXXX digits and last XXXX digits of the card number. '' But now they want a picture of my government ID along with me holding the ID, but I am not comfortable providing such personal information for security reasons. 

I have asked for other methods if possible but they said there is none.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
These 4 payments were made XXXX XXXX by chase to the following in a fraud scam without my permission through XXXX whereas I dont know these as how? 

1 ) XXXX XXXX  XXXX {$990.00} 2 ) XXXX XXXX XXXX $ XXXX 3 ) XXXX XXXX XXXX $ XXXX 4 ) XXXX XXXX XXXX  XXXX XXXX XXXX JPMorgan fictitious Nos. Look like created by XXXX in association with chase bank to defraud costumers Please investigate and refund this money and also advise me where to report this fraud to higher banking regulatory authorities.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mountain Run Solutions, LLC
State: MI

Complaint narrative:
I closed a account in XX/XX/2017 with XXXX balanced. A tenant moved in and opened a account with them after closing mine.Their putting her bill on me due to the mistake that was made with them not changing the account numbers.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
The purpose of my complaint is to gain assistance with retrieving my funds in the amount of {$3300.00} that is currently being held by SunTrust Bank also known as Truist Financial. I hired a company named XXXX XXXX XXXX XXXX to resurface my kitchen cabinets. On XX/XX/2021, wrote a check in the amount of {$3300.00} to XXXX XXXX XXXX XXXX to get the project started. After payment, XXXX XXXX XXXX XXXX informed me SunTrust notified them informing them that some sort of fraud activity occurred and as a result, the check I wrote of {$3300.00} would not be deposited into their bank account. However, the funds were already withdrawn from my XXXX XXXX account. As I was confused about what was taking place, I visited SunTrust bank to receive clarity and ask what can be done to rectify the issue, as well as retrieve my funds. While there, SunTrust advised me that they will research the matter and that I will receive a phone call advising me of the next steps. The phone call came and there was still no resolution. As I was tired of waiting, I emailed the CEO, XXXX XXXX in XX/XX/2021 and a person by the name of XXXX contacted me to assist. XXXX advised me that in order to resolve this issue, I would need to visit my bank, XXXX XXXX, and fill out a document entitled Whole Harmless. I did what was requested and was unsuccessful as XXXX XXXX required something specific from SunTrust, which I was not privy to. I phoned XXXX to advise of the situation and have yet to receive a response. I sent a follow-up email to XXXX XXXX XXXX XX/XX/2021 and to this date, no communication has been received. At this point, I am beyond frustrated and appalled that a company like SunTrust would steal money from people and think that they will get away with it. I am attaching all email correspondence and the front/back copy of my check to support this claim. 
Thank you for your assistance.

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 2021-12-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. 
I understand that under 15 U.S.C. Sec. 1681a ( 2 ) Exclusions. the term consumer report does not include, any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. 

I also understand that an investigation of this report must be made within 30 days of recipet of this letter- 15 U.S.C . Sec. 1681a ( e ), The term investigative consumer report means aconsumer report or portion thereof in which information on aconsumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of theconsumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of theconsumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

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 2021-12-05 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: EQUIFAX, INC.
State: OH

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. 
I understand that under 15 U.S.C. Sec. 1681a ( 2 ) Exclusions. the term consumer report does not include, any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. 

I also understand that an investigation of this report must be made within 30 days of recipet of this letter- 15 U.S.C . Sec. 1681a ( e ), The term investigative consumer report means aconsumer report or portion thereof in which information on aconsumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of theconsumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of theconsumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
On or before XXXX XXXX, 2021, I applied for a personal loan. The lending company required that a certain amount of the loan be made for the purpose of the loan- credit card consolidation. When I checked my balance with XXXX of my Capital One card, it reflected a total balance of {$2700.00}, and I submitted the amount of the total balance on my statement {$2700.00}. The gave me a FALSE AND MISLEADING INFORMATION, on the XXXX of XXXX my total balance on my statement, was paid off in the amount mentioned. When I checked my statement after the XXXX and till XXXX, it reflected the amount of {$0.00} as my balance. On the XXXX it reflected an accrued interest and several fees amounting more than {$25.00}. HOW CAN I ACCRUE INTEREST AND FEES OF DIFFERENT TRANSACTION WHEN I PAID OFF MY WHOLE BALANCE???? So they did in fact mislead me and gave me false information. Very misleading and unethical bank practices if I might think so.

Company response to consumer: Closed with monetary relief