vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMA Advisors, LLC.
State: NE

Complaint narrative:
On, XX/XX/2019, I enrolled for ACH withdrawal of my mortgage payment on Homebridge Financials online account center and there were no errors shown. So I thought everything was setup correctly and so forgot about it. 

On XX/XX/2019, we found a letter on front porch of our house indicating that we were late on mortgage payments. I was surprised at seeing that and immediately logged into my account, and first thing I I did was to clear the pending balance on the account and then started investigating what happened. 

As I looked online at all the documents that they mailed, I did see that they did mail a notice to my home address about an issue with my ACH setup. But when looked at the address closely, I noticed that the mailing address was incorrect. The street address was correct but it had a different city and zip code. I was very sure that at one point I was receiving my statements from them, so when I looked at the old statements online, they had the correct mailing address until XX/XX/2019 but starting with XX/XX/2019 statement, they had incorrect address. I never contacted them to change the address and they changed my personal information without my consent. 

Due to unauthorized change of mailing address, I never received any notifications of incorrect ACH setup or about late payments. I now have a " 30 Day Late Payment '' remark on my credit report that has adversely impacting my credit score and will continue to impact for the next seven year. Had I know that there was an issue with my ACH setup, I would have taken care of it immediately and resolved the issue before it went to past due status. All this for the mistake that the bank did on their part by changing the mailing address without my authorization. 

I tried to dispute this with the bank and the credit reporting agencies with no success. I kindly request you to please help me resolve this issue.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX I have two credit cards with Bank of America. Both of these credit cards had no annual fee. Neither card had an annual fee until Bank America had to pay a dividend to XXXX XXXX. I now have to pay {$60.00} a year for both of these credit card. {$120.00} a year for no extra benefits. 

Every time I go to a Bank America I am told by the people that work at bac that Bank of America credit cards have no annual fee. I feel like a fool when I have to pay {$120.00} a year for annual fees. The people at Bank of America do not even believe that I have to pay an annual fee. 

I have spoken to many people in Bank of America, I even spoke to a vice president of bank of America. I think the vice presidents name was XXXX. 

I am way over being a fool to go to a Bank of America. The people at Bank of America tell me to apply for a new card. I hope you understand that I have my credit established with the credit cards I already have. 

Please help me. I want the annual fees suspended and I wand the fees I paid back. 

Bank America did give me the fees for my checking account back they just will not budge on the credit cards. 

Bank America Credit Cards : Visa ending in XXXX Visa ending in 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 2020-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Innovis
State: AR

Complaint narrative:
XXXX XXXX PLACED A SECURITY FREEZE ON XX/XX/2015 AND REFUSE TO LIFT IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 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: OR

Complaint narrative:
In XXXX, 2019 I signed up for a Fronteir credit card, through the Frontier airlines booking website, after being targeted for a special offer of a {$200.00} statement credit after making an initial purchase. After paying my annual fee and using the card to make several purchases, I waited several billing cycles for the statement credit to materialize, but it never did. I contacted Barclays of Delaware by phone to inquire about the offer, and was told there was no record of this offer on my account, and that I would not be receiving my {$200.00} statement credit. The offer is still presented on Frontier 's booking site, and I unsure as to why they are not honoring it.

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 2020-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2000.00}, {$8900.00}, {$12000.00}, {$4000.00}, {$10000.00}, {$5200.00}, {$10000.00}, {$16000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8900.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$12000.00} -This is not my account. 

4. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4000.00} -This is not my account. 

5. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 


-- PERSONAL ACCOUNTS -- 6. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5200.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$16000.00} -This is not my account.

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 2020-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2000.00}, {$8900.00}, {$12000.00}, {$4000.00}, {$10000.00}, {$5200.00}, {$10000.00}, {$16000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8900.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$12000.00} -This is not my account. 

4. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4000.00} -This is not my account. 

5. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 


-- PERSONAL ACCOUNTS -- 6. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5200.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 

8. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$16000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
I had about XXXX dollars in unauthorized charges posted on my account XX/XX/20. I called the bank as soon as I noticed the unauthorized charges and was placed on hold for over an hour.Once I reached someone I was told to go into the branch on Monday. I went into the branch and wasted another hour only to be told the charges hadn't posted. I was told to call the next day and I could file a claim by phone. In the meantime one of my accounts are overdrawn due to the fraudulent activity and I had no access to my other funds because I had to cancel my debit card. Then I was treated like a criminal cause I asked for XXXX dollars of cash that is rightfully mine. I called the next day on XXXX and was placed on hold again for over an hour only to be told it would take them 10 days to fix my account. In the meantime my paycheck will post in 5 to 6 days to be entrapped in the chaos that regions refuses to resolve. My card has been in my possession so who is to say the thief is not regions from their lack of concern.

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 2020-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: MA

Complaint narrative:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Receivable Management Group, Inc. (GA)
State: GA

Complaint narrative:
Hello, On my XXXX  Credit Report, After filing a dispute, the results showed items ( Source Recievables Mng ( Acct # XXXX ) and XXXX XXXX XXXX ( Acct # XXXX ). Both items deleted from credit report on XX/XX/19. I now notice the report dated XX/XX/19, that the item XXXX XXXX, XXXX ( acct # XXXX ) with yet a different account number remains on my report. Also on XXXX  reported dated XX/XX/19, Items RECEIVABLES XXXX ( Acct # XXXX ) and also showed results showed item deleted. Also another XXXX XXXX ( ACCT # XXXX ) also stated Deleted. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), they are required to notify me of the reinsertion in writing within 5 business days. I did not receive this notification. On report datd XXXX, XXXX XXXX  XXXX has an incomplete account number which violates FCRA fules . as I have no way of knowing if it is mine. I would like your assistance with these issues. Thank you

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 2020-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Receivables Performance Management, LLC
State: GA

Complaint narrative:
Hello, On my XXXX  Credit Report, After filing a dispute, the results showed items ( Source Recievables Mng ( Acct # XXXX ) and XXXX XXXX XXXX ( Acct # XXXX ). Both items deleted from credit report on XX/XX/19. I now notice the report dated XX/XX/19, that the item XXXX XXXX, XXXX ( acct # XXXX ) with yet a different account number remains on my report. Also on XXXX  reported dated XX/XX/19, Items RECEIVABLES XXXX ( Acct # XXXX ) and also showed results showed item deleted. Also another XXXX XXXX ( ACCT # XXXX ) also stated Deleted. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), they are required to notify me of the reinsertion in writing within 5 business days. I did not receive this notification. On report datd XXXX, XXXX XXXX XXXX  has an incomplete account number which violates FCRA fules . as I have no way of knowing if it is mine. I would like your assistance with these issues. Thank you

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 2020-01-08 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: GA

Complaint narrative:
On TransUnion credit Report, XXXX XXXX XXXX ( XXXX ) status states DELETED from your 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
Consumer complaint received 2020-01-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.

Complaint narrative:
I have a Home Depot credit card with {$20000.00} limit there saying I owe {$34000.00} which Iam not sure how its over XXXX and when I called to get signed receipt and I will pay in full they havent sent receipt and now charging me big interest iam willing to pay what owed but not XXXX extra because they want to bully me Ive had R1 credit and credit cards for 15 years always pay in full so am not charged interest but now they want to jeopardize my credit score so not sure but if they wreak my credit I will not pay another XXXX to them and I told them I would pay but they cant prove to me my amount just there amount thanks for reading this 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 2020-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Bread Financial Holdings, Inc.
State: AR

Complaint narrative:
AS YOU ARE BOTH AWARE ARE BREAKING THE F.C.R.A. AND THE DODD FRANK ACT. I HAVE 13 COMENITY CAPITAL BANK ACCOUNTS THAT MUST ME RE-INSERTED BACK INTO MY XXXX  CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
My Experian credit report says that I have 7 missed payments, but I should only have 1 missed payment. All my accounts were included in Chapter XXXX Bankruptcy, except for the 2017 XXXX XXXX loan. The XXXX XXXX loan is the only account not included in bankruptcy that I missed a payment on. All the other accounts were included in the bankruptcy, and should not be affecting my credit score.

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 2020-01-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
CHASE offered the coupon bonus of {$300.00} when I opened a total checking account and set up with direct deposit and {$200.00} when I opened a saving account deposit total of {$15000.00}, Get {$100.00} extra when I did both which total of {$600.00}. 
On XX/XX/2019, I opened both accounts at CHASE in XXXX XXXX, CA branch with the banker XXXX XXXX XXXX XXXX XXXX. After she checked her system, She found that I closed my old accounts a year ago. She said I was qualified for this program. After I had completed all their requirements, on XX/XX/2019, I received {$100.00} only. Then I called XXXX XXXX at CHASE 's headquarter, XXXX XXXX e-mailed XXXX XXXX to pay me on the branch 's expense. I called XXXX XXXX several times, she did not respond. On XX/XX/2019, I walked in to the branch, XXXX XXXX was not there, I talked to XXXX XXXX who e-mailed XXXX XXXX to contact me. XXXX XXXX never contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have been trying to remove the security freeze off of equifax for 30 days. I'm so tired of these foreign people. I've sent in passport, drivers license and utility bill and they keep giving me the run around. Talking about I have a mixed file. I have no issues with XXXX  or XXXX. I just moved and updated my address with all 3 credit bureaus and sent in all documents. I will also attach documents along with this complaint. I keep getting hung up on when I call. So I want to file a complaint and if this doesnt get resolved. I will file a law suit against Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
AS YOU ARE BOTH AWARE ARE BREAKING THE F.C.R.A. AND THE DODD FRANK ACT. I HAVE XXXX XXXX  XXXX  XXXX  ACCOUNTS THAT MUST ME RE-INSERTED BACK INTO MY XXXX   CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Santander Consumer USA Holdings Inc.
State: AR

Complaint narrative:
AS YOU ARE BOTH AWARE ARE BREAKING THE F.C.R.A. AND THE DODD FRANK ACT. I HAVE 13 XXXX XXXX XXXX ACCOUNTS THAT MUST ME RE-INSERTED BACK INTO MY XXXX  CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Holloway Credit Solutions
State: GA

Complaint narrative:
Holloway Credit solutions hired by XXXX XXXX XXXX hospital is reporting an inaccurate collections account and amount. The hospital had a billing error and when researched by my insurance carrier the issue was resolved as an error on the part of the hospital. I never owed the amount they sent to collections. The representative from XXXX XXXX XXXX XXXX clarified with both Holloway and the hospital that this amount was not my responsibility and the situation was resolved as the hospitals billing error. There should never have been any collections efforts made on this account and it should not be reporting on my credit report as the error was not mine. Ive filed complaints with XXXX  and XXXX  to help resolve the incorrect reporting. However, this has been a hassle for over 6 months now. It has taken significant time and frustration and it is still not correct nor resolved correctly on my credit record. It needs to be corrected.

Company response to consumer: Closed with explanation