vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-10 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have reviewed A copy of my consumer reports with XXXX, XXXX and Equifax and have noticed an account from XXXX has reported as charged off and reported A balance. Back in XXXX I had A XXXX television and sound tower financed threw XXXX XXXX and with the purchase I had insurance with covered the items I leased in the event they where stolen.. On XX/XX/XXXX my home was broken into and the items I leased from the above company was stolen. As A result I filed A police report and informed them immediately that I no longer had the items. I was informed I would have to provide A police report to have the account paid by the insurance and closed out as paid in full. I first submitted the report the incident report on XX/XX/XXXX and was contacted later and informed they could not use the incident report and needed the actual police report. I then reached out and informed them the police had informed me I would have to wait on the report via mail and after I received it I would send those documents. On XX/XX/XXXX In sent the police report via mail and called to advise it was on the way. On XX/XX/XXXX I called again and was informed they had not received the report. This time I went into the local XXXX XXXX XXXX in which XXXX XXXX is located and provided them A hard coppy of the report and was informed it was be uploaded to my file. 3 Years later I am reviewing my report and notice the account has never been updated as paid in full and instead is listed as A charge off. This is illegal and A violation to FCRA to report inaccurate information. then reached out to XXXX XXXX On tuesday XX/XX/XXXX via phone explained this situation and he informed me to email him A copy of the report and he would foward it to the correct person. He informed me I would hear something back within 48 business hours and I have not recieved any sort of update A week later. Ib ahev subnmitted A dispute with the consumer reporting agencies ith this information coming back as verified although it is truly an account that should not be on my credit report. I have attached the copy of the police report below along with the communication I have had with XXXX at XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I had credit card debt with XXXX XXXX. Both XXXX XXXX and Midland Credit Management were sending me bills at the same time for months. I contacted Midland Credit Management upon receiving notification that they were sending my account to attorney review for a lawsuit. I requested a validation letter. I never received the letter, but received a final notice on the attorney review for lawsuit a few months later. I again contacted the company. They stated they sent the letter XX/XX/20. When I told them I hadn't received it, they told me that they were unable to send another, as it had not been returned to them. The only way to receive another was to dispute my debt with them. I did that. Two days later, they began to call me again. I told them that I had disputed my debt and asked them to stop contacting me until I had received my letter. I still have not received it, and they continually call my phone, sometimes several times a day. It is frustrating in my personal time and worse when I am at work.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
After reviewing my credit report I noticed a fraudulent closed credit card account in the amount of {$430.00} from XXXX XXXX XXXX. I reached out to the company around XX/XX/2020 and advised them that this is not my account and that I am a victim of identity fraud. XXXX XXXX XXXX  replied that since they are the original owners of the account that they don't have to validate the information. I mailed a FTC identity theft affidavit to XXXX XXXX on XX/XX/2020 and they still refuse to remove this fraud account. I disputed this account through the credit bureaus and they responded on XX/XX/2020 that they were able to validate the account but did not provide me with the validation or any proof that this account belongs to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 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: GA

Complaint narrative:
After reviewing my credit report I noticed a fraudulent closed credit card account in the amount of {$430.00} from XXXX XXXX XXXX. I reached out to the company around XX/XX/2020 and advised them that this is not my account and that I am a victim of identity fraud. XXXX XXXX XXXX replied that since they are the original owners of the account that they don't have to validate the information. I mailed a FTC identity theft affidavit to XXXX XXXX on XX/XX/2020 and they still refuse to remove this fraud account. I disputed this account through the credit bureaus and they responded on XX/XX/2020 that they were able to validate the account but did not provide me with the validation or any proof that this account belongs to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2019 I MOBILE DEPOSITED a check written to me and my wife from XXXX XXXX XXXX XXXX XXXX XXXX for $ XXXXI was the sole endorser. Six months later Bank of America reversed the deposit stating that the check was deposited twice. After hours of research and multiple phone calls someone from B of A told me that a guy named XXXX XXXX successfully deposited that check on XXXX XXXX ( SIX MONTHS LATER! ). I informed B OF A that the check was likely stolen from my home ( we had three different housecleaning companies working in our home at the time ) I filed a police report and an arrest warrant has been issued. Despite being a customer for nearly thirty years, B OF A has repeatedly denied my request to redeposit the funds.They refused to provide me a copy of the redeposited check and failed to give an explanation how the check could have been cashed six months after I deposited it to my account to a person who was not me and in the absence of endorsement by both my wife and me.Once this gets resolved I will close my B OF A account XXXX XXXX XXXX MD

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 2020-11-10 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: U.S. BANCORP
State: CA

Complaint narrative:
The account ending in XXXX XXXX XXXX XXXX XXXX, the introductory offer was supposed to be XXXX points but got only XXXX. From the time you offered the card ( link on the website ... attached as PDF ), you always had it XXXX so how it was changed to XXXX still a puzzle. I presume it was an error on human part because my application was not initially approved ( took a week to review ) so someone must have manually punched the offer bonus on your side in error. Please follow up and adjust. 

There are still missing the bonus credits for account ending XXXX as well. There were XX/XX/XXXX, Spring XXXX and Summer XXXX promos. I do see some credits but hard to understand what is what. Bonuses offers are pilling up. Some credited and some not. When credited, only an amount shown on my end ( YOU NEED TO PROVIDE SOME EXPLANATION ALONG!!!! ). Calling your CSR is not helpful either ( been there, done it ) please follow up on both cards. 

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 2020-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
-- -- - XXXX, XXXX, XX/XX/2020 Payment Histories Missing On My Credit Report -- -- XXXX XXXX XXXX ( XXXX  ) has made the mistake to put my account under forbearance in XXXX/XX/XX/2020, without my authorization or knowledge ( As a matter of fact, I have automatic payment setup. In each month 's XXXX, the monthly mortgage was paid in full ). 

I have noticed this issue ( my account was marked as " forbearance '' ) in XX/XX/2020 on my credit report ( when I tried to get a new home loan from another new bank ), I have contacted them immediately and asked them to fix this error and provide me a letter ( details please see below asks ). The " forbearance '' issue itself seemed to be fixed by now. However, on my credit report, the payment histories for XXXX, XXXX, XX/XX/2020 were all missing. My new bank will not be able to approve my new loan because of these issues of missing payment histories. 

I have contacted XXXX XXXX XXXX more than 20 times since XX/XX/XXXX by phone to ask XXXX to do 2 things : ( 1 ) report my XXXX, XXXX, XX/XX/2020 payment histories to XXXX, TransUnion, XXXX  to fix the missing data issue. 

( 2 ) Provide me a letter with shows my account has never been under forbearance and my payment histories for all past 12 months.

However, after waiting for more than 3 weeks, and countless emails / phone calls / talks with multiple supervisors, I have not been able to get either one of the above 2 things.

Without this issue fixed, My new bank can not process my new loan application, therefore I will need XXXX XXXX help immediately to get this fixed.

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 2020-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
-- -- - XXXX, XXXX, XX/XX/2020 Payment Histories Missing On My Credit Report -- -- XXXX XXXX XXXX XXXX XXXX  ) has made the mistake to put my account under forbearance in XX/XX/XXXX/XX/XX/XXXX, without my authorization or knowledge ( As a matter of fact, I have automatic payment setup. In each month 's XXXX, the monthly mortgage was paid in full ). 

I have noticed this issue ( my account was marked as " forbearance '' ) in XX/XX/2020 on my credit report ( when I tried to get a new home loan from another new bank ), I have contacted them immediately and asked them to fix this error and provide me a letter ( details please see below asks ). The " forbearance '' issue itself seemed to be fixed by now. However, on my credit report, the payment histories for XXXX, XXXX, XX/XX/2020 were all missing. My new bank will not be able to approve my new loan because of these issues of missing payment histories. 

I have contacted XX/XX/XXXX more than 20 times since XX/XX/XXXX by phone to ask XXXX to do 2 things : ( 1 ) report my XXXX, XXXX, XX/XX/2020 payment histories to Experian, XXXX, XXXX  to fix the missing data issue. 

( 2 ) Provide me a letter with shows my account has never been under forbearance and my payment histories for all past 12 months.

However, after waiting for more than 3 weeks, and countless emails / phone calls / talks with multiple supervisors, I have not been able to get either one of the above 2 things.

Without this issue fixed, My new bank can not process my new loan application, therefore I will need XX/XX/XXXX help immediately to get this fixed.

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 2020-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XX/XX/XXXX I was awarded XXXX ( Ill attach the paper ) like many my edd was frauded I won the money n in XXXX when the state tried changing things anyone who made a fraud claim I guess got there charges added while they did identity checks I called XXXX they said I was a real case n my account was valid they said b of a had to put the money back .... after weeks of b of a saying XXXX has to pay u they finally said yes we need to XXXX open ur claim n take them off weeks go by n Im told my case is being worked on then XX/XX/XXXX when I was told XXXX XXXX my money they said they might not re open it.. I already won it I was negative XXXX missed payments of XXXX XXXX XXXX XXXX its finally back positive XXXX Im XXXX in the hole Ive lost my bank account bc had to over draw it my family wont talk to me bc I have to borrow money there killing me.. I need help they give me the run around n this is a claim I already won .. pls help me Im on the streets bc this its not right

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 2020-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: I.C. System, Inc.
State: IL

Complaint narrative:
Old account keep being added to my credit report with different dates each time, this time it shows that is was 2018 when this is not true.

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 2020-11-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jim Bottin Enterprises, Inc
State: CT

Complaint narrative:
I had two memberships with The XXXX XXXX in XXXX ct. I went to the gym to cancel the memberships. They said I needed to contact ABC Financial. I called many timeS and was out on hold. I never was able to speak to someone. I then sent an email on XXXX. I canceled a gym membership with ABC Financial for XXXX XXXX. They gave me such a hard time ( I have email proof ) that I told them not to charge my card anymore. They continue to send me texts requesting payment. I contacted them again XXXX and they are again giving me a hard time and trying to continue to charge me. I sent a screen shot of my email from XXXX to not charge me and cancel the membership. They then stated they will not cancel until payment is made but I do not owe them any money. I canceled back in XXXX and requested never to be charged again. They havent charged me but they are continuing to bill me and are harassing me for payment. I have not attending the gym since COVID back in XX/XX/2012.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Numerous inquires and accounts are listed on my report that i have no knowledge of. This was a result of malpractice or identity theft.

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 2020-11-10 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
on XX/XX/2020 I mailed in dispute letters to Equifax, XXXX and XXXX. Regarding inaccurate information and clear violations of the FCRA 1681 AND 1681b I never gave any of the companies listed above WRITTEN CONSENT to furnish any of the accounts or information I'm disputing. This situation as cause me stressed and is slowing down my process of getting a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Numerous inquires and accounts are listed on my report that i have no knowledge of. This was a result of malpractice or identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On XX/XX/2020 I went to a drive through of a TD Bank on XXXX XXXX in XXXX Florida. I withdrew {$1300.00} from my account in $ XXXX and $ XXXX. I counted the money but I didnt look very carefully. 1 of the {$100.00} bills was a counterfeit bill. I found out because the person I gave it to took it straight to his bank and they rejected it. There is no question it came from this bank and they have reacted by not caring in anyway. They have not even asked to see the bill to try to resolve this in anyway. The branch manager wont even give me someones number to file a complaint or a case. Please help me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Shellpoint Partners, LLC
State: MA

Complaint narrative:
I see multiple 120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I see multiple 30-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2020-11-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
on XXXX I notified the all 3 credit bureaus on invalid and inaccurate reporting after over 45 days the accounts are still present on my reports. None of the accounts furnished have my written consent to be furnished. That is violation of the FCRA 15 usc 1681b ( a ) ( 2 ). Also I have medical related accounts being furnished. that is not only a hippa violation but is a clear violation of my privacy which I have the right to according to the FCRA 15 usc 1681 ( a ) ( 4 )

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 2020-11-10 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: IN

Complaint narrative:
on XXXX I notified the all 3 credit bureaus on invalid and inaccurate reporting after over 45 days the accounts are still present on my reports. None of the accounts furnished have my written consent to be furnished. That is violation of the FCRA 15 usc 1681b ( a ) ( 2 ). Also I have medical related accounts being furnished. that is not only a hippa violation but is a clear violation of my privacy which I have the right to according to the FCRA 15 usc 1681 ( a ) ( 4 )

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