vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-28 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: MI

Complaint narrative:
I have filed several complaints regarding various issues related to the same accounts with subacconts. The CFPB complaint numbers are : XXXX, XXXX, XXXX, XXXX. The last XXXX entries were closed out with Equifax stating an " investigation was conducted and results were delivered. '' However, for at least XXXX subaccount, a copy of my credit report current as of XXXX XX/XX/2021, indicated no new information was updated since XXXX XX/XX/2021, a date BEFORE at least XXXX of the aforementioned complaints was filed. 

What is clear is that Equifax may be responding to the CFPB as " in-progress, '' but then making no attempt to reconcile the errors on a credit report that even contracdict other information for the sae account/tradeline. For example, Equifax claims a date of first deliquency for XXXX of XX/XX/2021, but the payment history clearly indicates " no data available, '' and the data furnisher has made clear, in a letter dated XXXX XX/XX/2021, the account was in deferment at that time. The corresponding date the deliquency was first reported has been re-aged to a date in XXXX of 2021, over XXXX ( XXXX ) year AFTER the alleged date of first deliquency. More egregious is a payment history status for XXXX showing XXXX XXXX but an amount is listed showing there was no amount actually charged-off. 

It is very clear that the data furnisher can not keep accurate, verifiable records. As such I have asked that Equifax remove the accounts/tradelines with the erroneous data. What Equifax has done instead is to manipulate the dataset they receive to try and make the to reconcile the unverifiable information -- that exercise has failed. 

The accounts/tradelines correspondig to the data furnisher for XXXX and XXXX, being wholly inconsistent and contradictory for the same temporal periods, needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
On XX/XX/XXXX while on the phone with Bank of America customer service I was offered a bonus if I downgraded my Bank of America Alaska credit card rather then close it. I was told that if I downgraded to a Cash Reward visa card and spent {$1500.00} within the first 90 days from the account opening that I would receive a {$100.00} bonus. 90 days from XX/XX/XXXX would be exactly XX/XX/XXXX by a simple count of the calendar days. 

On XX/XX/XXXX a post to my account of {$120.00} from XXXX XXXX put me well over the required amount of {$1500.00}. At this point the bonus requirements were made and should have triggered the bonus to be paid out. It was not. On XX/XX/XXXX I spoke with a customer service representative over the phone who told me that the bonus had been met and would post 8-12 weeks after it was met. This should have been no later then some point in XXXX. 

After the bonus still was not posted I called again on XXXX XXXX and spoke to customer service agents on the phone. This time they refused to acknowledge that the bonus had or had not been met but instead referred it to review. On XX/XX/XXXX I received a letter in the mail from Bank of America stating that I did not meet the {$1500.00} in purchase requirements within 90 days in order to qualify to earn the statement credit of {$100.00}. No specific information was given. 

The information gathered by B of A was inaccurate. I called customer service on XX/XX/XXXX to verify that the downgrade took place on XX/XX/XXXX. I checked on line to confirm that the {$1500.00} in purchases was made on XX/XX/XXXX. B of A owes me a {$100.00} statement credit. All of the above information can be verified by simply listening to the recordings of the calls that were made.

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 2021-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am XXXX XXXX and I'm submitting this complaint myself and there is NO THIRD PARTY INVOLVED. 

I, XXXX XXXX, consumer, a natural person and the original creditor of an open-end credit plan, have been a victim of identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand pursuant to 15 USC 1681c-2 ( c ) that you have the Authority to Decline or Rescind. I assure you the information that I am presenting to you was not blocked in error. No material misrepresentation of the fact has taken place. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized. Certified Mail # : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-28 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: GA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX 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 2021-12-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio
State: FL

Complaint narrative:
This debt does not belong to me. I never signed a contract with this company, and they are reporting debt on my credit report this from someone using my information to obtain credit and needs to be removed as it is a fraudulent account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-28 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: MI

Complaint narrative:
ACCOUNT OPENED XX/XX/XXXX CAR WAS TOTALED ON XX/XX/XXXX CLAIM WAS MADE WITH XXXX XXXX  ON XX/XX/XXXX THE THE REMAING BALANCE OF THE VEHICLE TO XXXX XXXX WAS PAID ON XX/XX/XXXX SETTLEMENT VALUE IN THE AMOUNT OF {$28000.00}

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 non-monetary relief
Consumer complaint received 2021-12-28 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: MI

Complaint narrative:
ACCOUNT OPENED XX/XX/XXXX CAR WAS TOTALED ON XX/XX/XXXX CLAIM WAS MADE WITH XXXX XXXX ON XX/XX/XXXX THE THE REMAING BALANCE OF THE VEHICLE TO XXXX XXXX WAS PAID ON XX/XX/XXXX SETTLEMENT VALUE IN THE AMOUNT OF {$28000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
LVNV FUNDING LLC on behalf of XXXX XXXX is attempting to collect money I do not owe ... I received merchandise that was broken, missing parts, and looked to be used ; merchandise was returned to XXXX yet my account was never credited for the return ... I've made many attempts to contact XXXX & XXXX to resolve the issue but they are unattainable, with Customer Service being non-existent... I am not, will not, absolutely won't pay a dime I do not owe and fully intend to pursue legal action if these three companies ( XXXX*LVNV FUNDING LLC ) can not resolve an issue not created by me... I've attempted to find legitimacy in LVNV FUNDING LLC that proves they even have the legal right to do business such as they are, but that was to no avail so I have no idea who these people are who have my information ... Bottom line I DO NOT OWE SO I WILL NOT PAY ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 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: IL

Complaint narrative:
XXXX XXXX is reporting the days incorrectly it should be 30 60 90 120 but they have it wrong XXXX XXXX XXXX XXXX XXXX XXXX can they explain this heres their payment records which look up to date to me no late i have included payments from their website i see no descrpcies for dates listed

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 2021-12-28 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/XXXX I opened a complaint with CFPB about Navy Federal Credit Union. I had a Visa Signature Cash Rewards credit card with Navy Federal Credit Union Account XXXX ending XXXX. This account was closed by the bank due to none payment/nonactivity. NFCU has committed fraud. As of the date of the first complaint # XXXX, NFCU completed XXXX Unauthorized electronic fund transfer, as described in XXXX CFR XXXX ( m ), in the amount of {$2200.00}. I sent NFCU a letter revoking any POA that they have had on all of my accounts and they received it on XX/XX/XXXX, I have attached the letter to this complaint. 
On XX/XX/XXXX another complaint was opened on my behalf by the XXXX XXXX XXXX XXXX, XXXX Assistance XXXX, it stated everything that I put in my original complaint that was filed XX/XX/XXXX. 
On XX/XX/XXXX NFCU did another Unauthorized electronic fund transfer in the amount of {$800.00}. These actions are a clear violation of Special credit card provisions, as described XXXX XXXX XXXX XXXX credit card provisions. ( d ) Offsets by card issuer prohibited ( XXXX ) General rule. A card issuer XXXX not take any action, wither before or after termination of credit card privileges, to offset a cardholders indebtedness arising from a consumer credit transaction under the relevant credit card plan against funds of the cardholder held on deposit with the card issuer., which is fraud. When I spoke to someone on XX/XX/XXXX, I was told that that I had been refusing to pay the balance, which is not true. I spoke with XXXX different XXXX letting them know what the situation was and that I was waiting to get a response from NFCU, once my complaint was completed, we could discuss the alleged debt. The times that I spoke to someone were supposed to be on a recorded line and I have been trying to get a copy of the recordings to prove that I was not stating I would not take care of this alleged debt. They have lied and committed fraud more that XXXX times in my accounts alone. I am sure that this has happened to other people and this is not right. They have also committed fraud as described in XXXX XXXX XXXX XXXX ( b ) ; XXXX XXXX XXXX ; XXXX XXXX Code XXXX and several others that I have not mentioned. 
The original claim was opened almost XXXX weeks and 2 days ago and I have not received any response/resolution for this matter. This is the last complaint that will be filed before I start litigation. I have attached all of my supporting evidence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
HSBC is selling it's branches on the XXXX XXXX to XXXX bank effective XX/XX/22. 
They are keeping depositors that have at least {$75000.00} in their accounts with HSBC instead of transferring them to XXXX  if the account is labeled as " XXXX ''. 

I have more than the minimum in my accounts with them in an " Advanced '' account. HSBC states that the account must be labeled as " XXXX ''. I have asked them to change the account to XXXX and they have refused saying it is too late. I did this early in the year when they announced the sell off of their branches. 
My complaint is that they should not have kept the date to switch to " XXXX '' secret. This would have allowed depositors time to make the switch. 
Also, when I ask details about my existing automatic deposits and payments, 7 year history of transactions and my list of payees for checks and if all of that would transfer to XXXX bank, they state they are not sure. They want me to wait until sometime before XX/XX/22 for that information to be provided. This is completely unacceptable and is a poor way to treat depositors who have been with them for decades.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: LendingPoint Holdings LLC
State: GA

Complaint narrative:
Was approved for a loan XX/XX/XXXX. Told until I had Till XX/XX/XXXX to give proper account information. Proceeded to give misleading and false claims or promises. Its on a recorded line that I was Promised my money would come through if I gave Them proper banking information. They now have four different accounts of mine theyve received information for and will not give me my money. Theyve been accruing my financial information and I have concerns they will abuse it. Theyve swindled numerous people into getting their credit pulled then prematurely throwing out applications just to get their bank information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Although my payments are exemplary and so is my credit history with American Express, they continue to bully me through emails to increase my payments to them. They threaten through emails to not approve further purchases if I do not pay more toward the card. I have several cards including a XXXX XXXX which they recently sent me a letter to cap spending. I do not have a problem with that but I do have a problem when I have {$1300.00} available credit and I receive a threatening email from them to not approve further purchases. I also have a small consulting firm with an Amex card paid in full each month. The harassment has become intolerable. Although I have used their tools to manage these emails, they must have me on a list of their own and I am unable to stop these emails. If I send them a letter, they retaliate in some way to make use of my cards almost impossible without receiving their nasty emails asking me to pay more or threatening to not approve charges. All of my cards are in good order, paid on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 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: WSFS FINANCIAL CORPORATION
State: MA

Complaint narrative:
I Cosigned a mortgage with my XXXX  There was fraud on behalf of the mortgage broker. ( Who went to XXXX ) He said my name would be off the loan in six months. It was not and years later in XXXX the loan was modified. However, my name remains attached to the mortgage. I have never lived at the address ; I have never paid the mortgage. In the last 7 years my XXXX  XXXX XXXX who lives in the home has paid the mortgage on time each month. He has the finances to continue. He bought the house he lives there. He should be getting the credit for paying the mortgage on his credit report for the last XXXX years. The loan should be in his name only. WSFS XXXX XXXX and their servicer XXXX should correct this. It would be easy way to settle an ongoing financial problem. It would be the right thing to do. 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 2021-12-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
The mortgage was paid in full on XX/XX/2021 and we still have not received the escrow refund in the amount of {$1600.00}. We initially called around 2 weeks after paying it off and the Bank of America rep said that it takes XXXX XXXX 30 days to receive it and it we haven't received it after 30 days they will have it overnighted. We called again after the 30 day waiting period and the next rep stated that they would submit for another check and that they were unable to overnight it as stated by the first rep we spoke with. We also never received that check so we called back again last week and the rep said that they would put in a request to overnight it but did not guarantee it. In short it has been almost 90 days since paying off the mortgage in full and we still have not received our escrow refund.

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 2021-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/2021 I received an e-mail from PayPal that they had " temporarily limited '' certain features in my PayPal account. 

On XX/XX/2021 I received a second email from PayPal indicating I could not " conduct any further business using PayPal '' and they would hold the funds for " up to 180 days. '' On XX/XX/2021 I contacted PayPal by telephone and they stated they would not release funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: SC

Complaint narrative:
XX/XX/2021, LexisNexis is required by law to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy as the fair credit reporting act states in 15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting- ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Information SHALL NOT INCLUDE specific factual information ON a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 15 U.S. Code 1681a - Definitions ; rules of construction. ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer 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 the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. I DID NOT GIVE LEXISNEXIS WRITTEN PERMISSION TO ADD A BANKRUPTCY TO MY CONSUMER REPORT. The next law states that very clearly.15 U.S. Code 1681b - Permissible purposes of consumer reports- 15 U.S Code 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency MAY furnish a consumer report under the following circumstances AND NO OTHER : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. LexisNexis is exercising unfair practices and violating the F.C.R.A. because I have not and will not give a consumer reporting agency permission to put anything on my consumer report. As a consumer I want the bankruptcy DELETED from my consumer report IMMEDIATELY. I have attached document for proof because LexisNexis is reporting this to XXXX, XXXX and XXXX without my CONSENT as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Prosper Marketplace, Inc.
State: GA

Complaint narrative:
On XX/XX/2021 I sent XXXX Mail # XXXX XXXX XXXX XXXX XXXX letter with payment ( negotiable instrument ) to tender payment for alleged debt. The letter was received on XX/XX/2021 and the negotiable instrument was improperly processed. I feel my consumer rights where violated and I'm trying to resolve this matter accordingly,

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