vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-10 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: AZ

Complaint narrative:
I would like to file a complaint against XXXX XXXX XXXX, XXXXXX/XX/XXXX XXXX XXXX, as well as the three credit reporting agencies for not accurately reporting information, even after they were provided proof. 
This account is years old, it originated from a XXXX Credit Card that went into collections. Last year ( 2020 ) I had a wage garnishment set in place by XXXX XX/XX/XXXX XXXX XXXX ( located in Arizona ), through XXXX, that took 30 % of my check, leaving me with {$700.00} every 2 weeks to live on for a total of a 6 week period. The total due at the time was {$860.00}. As of XX/XX/2020 that garnishment was completed. Reference Case ID XXXX. 

Since then my account in collections has been increasing by {$2.00} every month, which I have reported as inaccurate to XX/XX/XXXX, Transunion, and XX/XX/XXXX To which XXXX XX/XX/XXXXXXXX sent me a letter stating my debt was a valid debt, EVEN THOUGH it was 100 % paid off as of XXXX of 2020. The credit agencies refuse to take this account off my report and XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX are acting fraudulently by reporting I have not paid anything AND INCREASING my total debt due every month.

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 2021-01-10 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: CA

Complaint narrative:
I disputed these accounts on my credit report with XXXX XXXX  and experian. They all conducted an investigation into my complaint on these accounts. Upon XXXX  and XXXX  completion of investigation, the accounts were removed from my reports. Experian is reporting the same accounts but refuse to remove them. By law if a company is reporting to all 3 bureaus they can not just remove information from 2 bureaus and leave the same inaccurate information on one report. They must remove it from all 3. I have shown proof to experian of these removals and they are still reporting this information despite my documentation of proof. This goes against the standards of the fair credit reporting act. Experian has yet to provide physical proof showing why they are still reporting these accounts on credit report. It is harming my ability to obtain credit and employment, due to this negligence.

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 2021-01-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC
State: MD

Complaint narrative:
Flagship Credit has continuously reported increasing balances. By law after 30 days is late!

I have never paid past 30 days. Because if COVID 19 and this pandemic I have not paid on the due day exactly but never late! I am granted grace period. They are dropping my score reporting increased balances. Where are the increases coming from? It is not legal!!!! They financed this car that breaks down and not even reliable and 3 months later the dealership closed, Im seeking out this loan ASAP! Nothing but fraud, high interest! They report incorrectly!!!!! Inaccuracies in balance and I am known going to seek action.

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 2021-01-10 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: WA

Complaint narrative:
Our son was born in XX/XX/2020 and I was advised to place a freeze on his credit to avoid any identity theft issues while he is a minor. I sent the exact same letter, with all required information, including birth certificate, driver 's license, social security card, utility bill, etc., to all three credit agencies. XXXX  and XXXX seamlessly and promptly complied with my request and send correspondence confirming the credit freeze. Equifax did not comply with the request. I received a letter stating that a credit file did not exist under my son 's SSN, but in my letter I included, " If a credit file does not exist, please create the file and add the freeze. '' When I followed up with Equifax by phone, they gave me two additional reasons why they didn't comply : 1. my attached documentation was illegible, and 2. I did not include my social security card. Neither of these should have been issues either, because the other two credit agencies complied with the request with the exact same documentation, which was complete and legible. My issue remains unresolved with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase Auto is attempting to collect on a payment that has already been taken from my Chase banking account. I have made consistent on time payments that automatically get deducted from my Chase account and sent to my Chase auto loan. Chase auto claims they never received the payment made in XX/XX/2020. However, my bank shows that it was paid. Ive experienced extremely long wait times to talk to people and no one has been helpful. I was finally told that someone would investigate the issue and follow up with me in two weeks. I was told to take no other action until the investigation was completed. However, Chase Auto has reported a past due balance to the credit agencies and my credit score has dropped significantly. Im in the process of refinancing my mortgage and this is causing major issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I originally complained about this company on XXXX Reference Complaint # XXXX is attached to this compliant was closed and it was removed from all three of credit burrows. Again The company called XXXX XXXX XXXX has again placed a collections filed and is not providing me with validation that I owe them any money. They are reporting that I have an unpaid debt with them of {$4700.00} but I have never done business with them and I have never received any letters or notices from them. The account number on my credit is # XXXX. I've done some research online and I have only come across negative reviews and complaints by other consumers who have been harassed and scammed by this company. This company has over 462 consumer complaints listed on the XXXX  XXXX  XXXX  'XXXX  website. It is also listed that they are based in XXXX, GA and I have never lived in Georgia in my life. I live in Florida. I do not feel comfortable with this company having my information when I have not authorized them to have it. I will not give my money to a company I do not recognize and who will not tell me why they want me to pay them. In addition to this None of the documents this company has provided in my original complaint as a response shows my signature nor have signed any contact with National Credit Systems. In addition I have never been serviced any documents for my county or state police department. I aske for this company to provide me with documentation that belongs to me with my own signature of acknowledgement of such account. This is not me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10 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: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
I purchased several items from Nordstrom, the company that I have my Nordstrom visa credit card with. I returned some high value items in the mail, which has never been a problem. One box contained over {$2000.00} worth of merchandise. Another contained a XXXX watch totaling {$2300.00}. I have my tracking information that shows the date the first box was received by their agent, which was on XXXX 8over a month ago. The second box has been with their courier since XX/XX/XXXX. Nordstrom always refunded my money to my credit card after 14 days of no movement with the carrier. 
Now, without any prior notice, they told me that I have to wait until they receive the items. That is unacceptable. I can not wait in perpetuity for their Carrier to hand them my returns. This is an issue they should take up with their Carrier and they should not be taking this out on their customers. Not only is my credit score going to suffer because Im not paying them for items that are now in their control, Im also being charged interestits like 20 % interest! That is just unconscionable. I should not be paying interest on items Ive returned to them WEEKS ago. Im sure theyre doing this to other customers. Ive tried to call multiple times to resolve this and even spoke to their supervisor who leads their investigations and financial services. He said they would not refund my money or even stop interest from accruing on amounts in dispute. Consumers should know that Nordstrom is no longer honoring their hassle free return policies and placing the burden on consumers for their incompetent courier services. 

What can I do to stop this?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-10 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: CAVALRY INVESTMENTS, LLC
State: AZ

Complaint narrative:
I would like to file a complaint against Cavalry Portfolio Services, XXXX and XXXX XXXX, as well as the three credit reporting agencies for not accurately reporting information, even after they were provided proof. 
This account is years old, it originated from a XXXX Credit Card that went into collections. Last year ( 2020 ) I had a wage garnishment set in place by XXXX and XXXX XXXX ( located in Arizona ), through XXXX, that took 30 % of my check, leaving me with {$700.00} every 2 weeks to live on for a total of a 6 week period. The total due at the time was {$860.00}. As of XX/XX/2020 that garnishment was completed. Reference Case ID XXXX. 

Since then my account in collections has been increasing by {$2.00} every month, which I have reported as inaccurate to XXXX, XXXX, and XXXX. To which XXXX and XXXX sent me a letter stating my debt was a valid debt, EVEN THOUGH it was 100 % paid off as of XXXX of 2020. The credit agencies refuse to take this account off my report and Calvary Portfolio ServicesXXXX and XXXX XXXX are acting fraudulently by reporting I have not paid anything AND INCREASING my total debt due every month.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have been a customer of Bank of America for over thirty years and I am very angry that no one is available to assist me. I have called and sent emails and no one is willing to help. 

I have made nine attempts to get a copy of my title so I can register my vehicle in a new state. I reached out to Bank Americas customer service and was informed to send an email to XXXX and someone would contact me regarding my title. Emails were sent on XX/XX/XXXX and subsequent emails were submitted everyday until XX/XX/XXXX. 

I tried to go to one of the branches for assistance but the majority of the branches are closed and the only open branch did not provide any assistance. 
Please can someone please help me with this matter? 

XXXX XXXX Auto Loan Number ending in XXXX Email Address : XXXX Phone : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-10 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: TX

Complaint narrative:
I paid and closed this account with the manager of the XXXX XXXX store when this account was due. I have also contacted XXXX XXXX numerous times to request this error be fixed. When I have spoken with the agents, they were rude, abrasive and would not even look into the account because it was closed. I have also contacted XXXX and TransUnion multiple times and requested they send the information they used to report this account as late, XXXX and TransUnion only sent me a statement that the account was verified. How could the account be verified when TransUnion reports the account as 120 days late and XXXX reports the account as 150 days late? Especially when the account was not even late? 

Also, how can you possibly be 120-150 days late in the last month when there are only 30 days in a month? Additionally, TransUnion and XXXX are not even reporting this account number correctly! So how can this account have been verified? ( See Attachments ) This seems ridiculous that they can report whatever they want and dont even have to provide the information to substantiate what they are reporting? Seems like there would be laws against that? 

Account : 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 2021-01-10 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: TD BANK US HOLDING COMPANY
State: NH

Complaint narrative:
Td bank keeps charging over draft of XXXX.i reach out to them and no help.they have charged me up to XXXX for over draft.and I haven't used my checking account since the XXXX of XXXX Now they have me up to XXXX .charging me over and over

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc.
State: FL

Complaint narrative:
They are reporting that I have an unpaid debt with them of {$1500.00} but I have never done business with them and I have never received any letters or notices from them. The account number on my credit is XXXX. I've done some research online and I have only come across negative reviews and complaints by other consumers who have been harassed and scammed by this company. This company has over 178 consumer complaints listed on the XXXX XXXX XXXX XXXX website. It is also listed that they are based in XXXX XXXX, XXXX  and I have never lived in XXXX  in my life. I live in XXXX. I do not feel comfortable with this company having my information when I have not authorized them to have it. I will not give my money to a company I do not recognize and who will not tell me why they want me to pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10 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: TX

Complaint narrative:
I paid and closed this account with the manager of the XXXX XXXX store when this account was due. I have also contacted XXXX XXXX numerous times to request this error be fixed. When I have spoken with the agents, they were rude, abrasive and would not even look into the account because it was closed. I have also contacted Experian and XXXX multiple times and requested they send the information they used to report this account as late, Experian and XXXX only sent me a statement that the account was verified. How could the account be verified when XXXX reports the account as 120 days late and Experian reports the account as 150 days late? Especially when the account was not even late? 

Also, how can you possibly be 120-150 days late in the last month when there are only 30 days in a month? Additionally, XXXX and Experian are not even reporting this account number correctly! So how can this account have been verified? ( See Attachments ) This seems ridiculous that they can report whatever they want and dont even have to provide the information to substantiate what they are reporting? Seems like there would be laws against that? 

Account : 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 2021-01-10 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: CITIBANK, N.A.
State: GA

Complaint narrative:
On XX/XX/2020, I reported several accounts, mostly credit card accounts, that were reporting on my credit report as fraudulent accounts to XXXX, XXXX and XXXX XXXX because the accounts were not applied or used for myself. 
I suspected an identity theft, and requested all accounts that were involved with identity theft to be removed from my credit report. 
Also, I requested a validation of involved accounts to see how, when and where these accounts were created. 
XXXX and XXXX successfully made a decision that all accounts were fraudulent and removed them from my credit report. But XXXX is continuing to post accounts from CITICARDS, and I did not receive any explanation why these accounts were being posted. Not only explanation was not provided, but I did not receive any solid proof that I am the person who made these accounts. 
XXXX is in clear violation of FCRA. Disputed accounts must go through vigorous validation process that the process and the proof of the validation and verification must be shared with the consumer. 

CITICARDS CBNA XXXX CITICARDS CBNA XXXX Above listed accounts are fraudulent accounts that are still being reported on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/20 two unauthorized transactions occurred on my Bank of America EDD Debit card. The first transaction shows as {$0.00} and the next transaction, the thief stole {$220.00} from my account at a Bank of America ATM. I contacted and filed a claim with BoA and received a letter that my claim was closed and was issued a new card. However, they froze my account and the card that was issued to me does not work as well. I have called BoA consistently for over a month now and have received different answers/been transferred to different departments from each BoA representative. BoA told me that EDD froze my account and that they have done everything on their end and are waiting on a reply from EDD. However, when I contacted EDD, they said my account is fine and is open and that i need to contact BoA. I have asked the BoA representatives for a literal script of what I should say to help resolve this problem and was told to say " Can you please send confirmation to BoA that my account is in good standing? '' and the EDD representative responded, " we don't do that. You need to contact BoA. '' So I have been going back and forth with EDD and BoA because they are both saying it is the other company 's issue and tell me that they can not help me with my situation. 
All I want is someone to help refund my {$220.00} and unfreeze my BoA account so that I may receive my EDD funds again.

Due to the pandemic, I have not been able to work and am financially dependent on the money provided by EDD so this issue has really strained my resources and my mental health.

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 2021-01-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX sent debt management proposal in XX/XX/XXXX and it was accepted by XXXX XXXX and XXXX has made consistent monthly payments on my behalf. I found that late fees were being still charged and interest rate had not been reduced. I alerted XXXX who contacted XXXX XXXX and faxed proposal again in XX/XX/XXXX. Late fees were waived but then they began to reappear and XXXX XXXX stated an XXXX payment was missed though XXXX faxed the cashed check they had sent to XXXX XXXX. After proposal was faxed multiple times as confirmed by XXXX most recent call on XX/XX/XXXX XXXX claims they still have received no proposal and continue to add fees and interest.

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 2021-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
I reached out to XXXX XXXX XXXX about a debt they placed on my credit report XX/XX/XXXX. I had prior communication with this company before they placed this account on my credit report. As stated on the paperwork they obtained or bought this debt on XX/XX/XXXX. They failed to notify me of this debt or did not give me the time to request validation before they placed it on my consumer file. As soon as I gain Knowledge that this account had be placed on my account I contacted this company disputing the validity of this account. Between XX/XX/XXXX and XX/XX/XXXX I sent out a letter asking for them to supply information to validate the debt as I do not recall obtaining this debt. On XX/XX/XXXX well past 30 days ( only after I called ), I received what seems to be a " Plan Disclosure and Account Agreement ''. This document state that it was opened online and has a electronic signature supposedly signed by me. I do not recall opening this account and this electronic signature could have very well been signed by anyone. They information they have sent me does not solidify that this account belongs to me or was even opened by me!

Company response to consumer: Closed with explanation