vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
I received a promotional offer from XXXX for a {$60.00} XXXX credit for signing up for a XXXX XXXX membership. See below Promotion : Promotion is for a {$60.00} statement credit for the purchase of a new XXXX XXXX XXXX XXXX or XXXX XXXX XXXX Membership. To qualify for this promotion, you must purchase a XXXX membership online at XXXX or XXXX at any XXXX XXXX XXXX XXXX your XXXX Rewards XXXX Credit Card XXXX XXXX Rewards XXXX XXXX XXXX XX/XX/XXXX. New members must be 18 years of age or older. 
( End of promotion ) I purchased a membership on XX/XX/XXXX @ XXXX XXXX # XXXX. 

I was never credited the {$60.00} purchase. On XX/XX/XXXX I send a secure message to XXXX inquiring about the credit. I was told I needed to call XXXX. See below. 

Hi XXXX XXXX : Thank you for contacting us about your XXXX XXXX XXXX XXXX XXXX. 

In order to provide you with the most individualized service possible, we ask that these requests be made through our XXXX XXXX Department. Please contact us at XXXX. Our agents are available XXXX hours a day, 7 days a week, to discuss what options are available on your account. We apologize for any inconvenience this XXXX cause. 

We hope you find this information helpful, and we thank you for your continued business. If you have any other questions or concerns, please reply to this message. 

Sincerely, XXXX XXXX ( End of email above ) On XX/XX/XXXX I called XXXX in a XXXX minute at XXXX second call and was told by the representative that the {$60.00} credit would be on my next statement. That statement closed on XX/XX/XXXX with no credit applied. 

XXXX has misrepresented the promotion of which I met all of the qualifications AND then again misrepresented in a phone call on receiving the {$60.00} credit.

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 2021-11-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I honestly have no knowledge of this alleged debt, a few years ago my identification was stolen, I have contacted the consumer but I cant get any help from them XXXX oaks XXXX XXXX XX/XX/XXXX Amount {$8100.00} XXXX XXXX XX/XX/XXXX Amount {$560.00} XXXX. Bank of America XXXX XXXX XXXX XX/XX/XXXX I have sent them several letters stating that I dont know anything about this debt and yet I have not received anything nor has it been removed from my credit report.I also contacted all three credit bureaus

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 2021-11-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RMA Credit Association
State: TX

Complaint narrative:
I recived an invoice for a family member who was seen by this office. I have never received any care whatsoever by this office and already asked for them to submit written proof to me which has never been done. This information stating I owe {$84.00} needs to removed/redacted from my report as its in violation of The XXXX XXXX and XXXX XXXX. 

Warmest regards, 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 2021-11-18 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to UPDATE or REMOVE completely from my Credit Report : XXXX XXXX BANK XXXX XXXX XXXX Balance Owed : {$1700.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance Owed : {$1700.00} XXXX XXXX XXXX Balance Owed : {$600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 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: NY

Complaint narrative:
All my credit card bills have zero balances with paid I full : XXXX, XXXX XXXX, and XXXX. Have never been late or delinquent. There should be no delinquent credit information on my credit report for any accounts considering Federal Truth In Billing and Credit Reporting Disclosures Act and FTC Law with legally variable proofs provided. It is the due diligence of the bureaus to report true and accurate informations to avoid discrimination in lending. 

In addition, moved to dispute all credit inquiries within the last 180 days to current because they were done in bad faith, malice intends, and knowledge without proper authorization and Disclosures as a matter of law as exposed vulnerabilities. These inquiries have substantially caused my credit report to decrease as consequence. As a result have threaten my access to equal credit and to apply for loans to enjoy the equities in my homes.

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 2021-11-18 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: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I received notification on my credit report XX/XX/2021 that I had a late payment to TD Bank/Target of {$290.00}. 
When I checked my amount there was a zero balance. 
I called TD bank and spoke with an employee who told me she could take the late charge off but I would need to dispute the derogatory late report on my credit. 
I did an online dii I dispute, but was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Hello, I am needing your help because New Rez continues to save the banking info on the website. 

I specifically request for my banking information not to be saved and no matter what I do, my banking information is saved. 

I have mentioned this to New Rez in the past but as of this morning, XXXX XXXX XXXX is still showing up saved. 

Please keep in mind that XXXX XXXX XXXX is a joint account and the other person that I am on XXXX XXXX XXXX with also would like their information removed from the NEW REZ website, particularly since they have nothing to do with NEW REZ. 

I look forward to hearing from you. 
Thanks, XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 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: LA

Complaint narrative:
I asked you to disclose your method of verification on the alleged XXXX you are reporting. You then replied to me with the enclosed Notfication claiming that the XXXX was verified by the XXXX Courts. 

Appalled by that information, I went directly to XXXX Courts and in response to my inquiry they claim to have never verified this item with you and provided me the enclosed letter. This would mean this XXXX is by law considered UNVERIFIED. 

I AM AWARE, THE FCRA STATES THE FOLLOWING : A CRA must remove or correct inaccurate or unverified information from its files, usually within 30 days after you dispute it. However, the CRA is not required to remove accurate data from your file unless it is outdated or can not be verified. 

I have enclosed the Court letter for your inspection. Please DELETE this item from my credit reports as it is NOT verified! 

The XXXX and XXXX XXXX VERIFYING THIS INFO IS NOT RECOGNIZED AS PROPER VALIDATION! 

Please send me an updated copy of my report once the XXXX is DELETED.

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 2021-11-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Bank of America ( account XXXX ) is now holding a current mortgage note reporting on my credit that DOES NOT contain my signature. I did not approve of this modification and I would have never agreed to these terms had I been given the opportunity to review these documents. XXXX XXXX assumed liability of this mortgage when it was serviced by XXXX and approved of these terms, clearly without review. XXXX approved releasing me of all liability through a modification and then assumption in XXXX, then transferred the mortgage to Bank of America. However, Bank of America is still reporting this to my credit. I am not on the NOTE or the Deed to this home. 

In XX/XX/XXXX, the balance on the Bank of America loan was {$530000.00}. In XXXX, I was removed from the Note and the Deed while being serviced relief by XXXX Mortgage. From that date until XX/XX/XXXX, after heavy research, {$100000.00} was added to the loan for unpaid installments, interest, late fees, other fees and costs, etc. The payments were only {$2500.00} which included escrow. This is a gross overestimate of added fees and this is unlawful. 

Bank of America ( service relief by XXXX # XXXX ) increased this loan amount ( account XXXX ) by {$100000.00} for late fees and interest according to these documents. In XXXX of XXXX, {$140000.00} was deferred for a principal adjustment, another erroneous number. In XXXX, this loan amount was {$490000.00}. Now, XXXX  years later with no cash out refinancing ever done, its totaling {$610000.00} - interest bearing and non-interest bearing- due to fees and interest In XX/XX/XXXX, Bank of America again began servicing this loan, after I was removed and their records shows a principal adjustment of only {$140000.00}, and a balance of {$380000.00}, which would be a total balance of XXXX, not the XXXX. I have attempted to write Bank of America, email, call, etc. for XXXX years now and no one ever gets me to the right department. No one calls me back. Everyone says they'll look into it but has no answers for why my signature is not on the current NOTE being held by Bank of America and why the balance is incorrect. This is affecting my credit, one, because its not my loan, and two, because of the terms and conditions ( balloon, erroneous loan amount, illegal amount of deferred interest ). The balance is reporting as HIGHER than the high credit limit and the loan has been established for XXXX  years. This is fraud on so many levels.

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 2021-11-18 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XX/XX/2021 XXXX XXXX XXXX {$2500.00} XX/XX/2021 XXXX XXXX # XXXX {$2000.00} XX/XX/2021 XXXX # XXXX {$2900.00} On XX/XX/2021 and XX/XX/2021, the charges above were made with my credit card. 

I notified the bank immediately that the charges were fraudulent. However, after they investigated, the found that my physical card was used and because it had a chip in it, determined that I was liable. 

The problem is that I opened the account on XX/XX/2021. However, I never received the initial card. Some time before XX/XX/2021, I reported that I never received the card, and requested a new one sent to me. Importantly, I asked the representative to cancer the initial card since it was lost or stolen. However, he may not have canceled the first card before sending me the second card. On XX/XX/2021, I found the 3 fraudulent charges above and reported them to the fraud prevention team. 

After the Chase investigated, they said that I was liable for the charges because a chip card was used and it is nearly impossible to counterfeit those cards. It may have been that the first card that I never received was used. If so, I should not be liable for those charges since I did not make the purchases and the representative should have canceled that card when he sent me the second.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are still reporting on my Credit Reports and need to delete immediately. 
Wrong Name : XXXX XXXX XXXX XXXX XXXX Wrong Addcress : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY
State: IN

Complaint narrative:
On XX/XX/XXXX I received 2 notices that I applied for credit cards and I did not. I did get a response from XXXX XXXX and not so much XXXX XXXX. Even I know I can't apply for credit cards because my credit is bad at the moment

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-18 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: LA

Complaint narrative:
I asked you to disclose your method of verification on the alleged bankruptcy you are reporting. You then replied to me with the enclosed Notfication claiming that the bankruptcy was verified by the Bankruptcy Courts. 

Appalled by that information, I went directly to Bankruptcy Courts and in response to my inquiry they claim to have never verified this item with you and provided me the enclosed letter. This would mean this bankruptcy is by law considered UNVERIFIED. 

I AM AWARE, THE FCRA STATES THE FOLLOWING : A XXXX must remove or correct inaccurate or unverified information from its files, usually within 30 days after you dispute it. However, the XXXX is not required to remove accurate data from your file unless it is outdated or can not be verified. 

I have enclosed the Court letter for your inspection. Please DELETE this item from my credit reports as it is NOT verified! 

The XXXX and XXXX XXXX VERIFYING THIS INFO IS NOT RECOGNIZED AS PROPER VALIDATION! 

Please send me an updated copy of my report once the bankruptcy is DELETED.

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 2021-11-18 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: LA

Complaint narrative:
I asked you to disclose your method of verification on the alleged bankruptcy you are reporting. You then replied to me with the enclosed Notfication claiming that the bankruptcy was verified by the Bankruptcy XXXX. 

Appalled by that information, I went directly to Bankruptcy Courts and in response to my inquiry they claim to have never verified this item with you and provided me the enclosed letter. This would mean this bankruptcy is by law considered XXXX. 

I AM AWARE, THE FCRA STATES THE FOLLOWING : A XXXX must remove or correct inaccurate or unverified information from its files, usually within 30 days after you dispute it. However, the XXXX is not required to remove accurate data from your file unless it is outdated or can not be verified. 

I have enclosed the XXXX letter for your inspection. Please DELETE this item from my credit reports as it is NOT verified! 

The XXXX and XXXX XXXX VERIFYING THIS INFO IS NOT RECOGNIZED AS PROPER VALIDATION! 

Please send me an updated copy of my report once the bankruptcy is DELETED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 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: EQUIFAX, INC.
State: NY

Complaint narrative:
All my credit card bills have zero balances with paid I full : XXXX, XXXX XXXX, and XXXX. Have never been late or delinquent. There should be no delinquent credit information on my credit report for any accounts considering Federal Truth In Billing and Credit Reporting Disclosures Act and FTC Law with legally variable proofs provided. It is the due diligence of the bureaus to report true and accurate informations to avoid discrimination in lending. 

In addition, moved to dispute all credit inquiries within the last 180 days to current because they were done in bad faith, malice intends, and knowledge without proper authorization and Disclosures as a matter of law as exposed vulnerabilities. These inquiries have substantially caused my credit report to decrease as consequence. As a result have threaten my access to equal credit and to apply for loans to enjoy the equities in my homes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 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: NY

Complaint narrative:
All my credit card bills have XXXX balances with paid I full : XXXX, XXXX XXXX, and XXXX. Have never been late or delinquent. There should be no delinquent credit information on my credit report for any accounts considering Federal Truth In Billing and Credit Reporting Disclosures Act and FTC Law with legally variable proofs provided. It is the due diligence of the bureaus to report true and accurate informations to avoid discrimination in lending. 

In addition, moved to dispute all credit inquiries within the last 180 days to current because they were done in bad faith, malice intends, and knowledge without proper authorization and Disclosures as a matter of law as exposed vulnerabilities. These inquiries have substantially caused my credit report to decrease as consequence. As a result have threaten my access to equal credit and to apply for loans to enjoy the equities in my homes.

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 2021-11-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports and needs to delete immediately : XXXXXX/XX/XXXXDate of inquiry XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Linebarger Goggan Blair & Sampson LLP
State: WA

Complaint narrative:
I received notice from the XXXX XXXX XXXX in Washington XXXX of an unpaid parking ticket that dated back several years. I never knew I'd been issued the ticket, but promptly paid the total due of {$70.00} upon receiving notice of this debt. This payment was made on XX/XX/XXXX and I can provide confirmation of payment from the court which includes the original invoice number. 

This week -- week of XX/XX/XXXX -- I received a letter dated XX/XX/XXXX from a Texas entity, " XXXX XXXX XXXX XXXX XXXX '' attempting to collect on this debt. As I mentioned, the debt was paid more than a year ago, and the invoice is closed. XXXX XXXX XXXX had confirmed receipt of this payment ( XX/XX/XXXX ).

Company response to consumer: Closed with explanation