vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America closed our ( my parents and I ) credit cards without warning.

1. There was no 45 day notice ; no warning whatsoever.

2. The accounts were closed NOT because of inactivity. We have charged the card every month for many years.

3. They would not disclose any reason why it was closed. They simply said " sometimes this happens and it's not reversible. '' 4. They didn't let us redeem our rewards and said they were lost because the card is now cancelled.

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 2021-08-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: FL

Complaint narrative:
I received a notice on my credit report that I had a new collection from Lockhart, Morris and Montgomery that I owe the amount of {$340.00}. I inquired what this was as it states this is from a hospital that I was seen at in XXXX. I called XXXX XXXX  which is now known as XXXX XXXX and spoke with their billing department and they state that I owe nothing and have a XXXX balance. I asked XXXX XXXX about their collection agencies they use and if Lockhart, Morris and Montgomery is one of them, and they replied No. They collect in-house using their own collection department. They have never heard of this company. I then took it one step further and I called the VA and asked if they could help since I am seen at the VA and I am a XXXX veteran. The VA stated they can not speak with this agency as they are claiming to be a law firm. I do not owe this debt, the original place XXXX XXXX  now known as XXXX XXXX states I do not owe anything and I have no outstanding balance. 
If someone could kindly help me remove this as this is not okay to try to collect from a XXXX veteran. 
Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have contacted Transunion over and over again regarding XXXX on my credit file. I have sent them a notice that the account was a direct result of identity theft and have asked them to remove it. XXXX has also asked them to remove it yet they are still reporting it on my credit file. Attached is a letter from XXXX specifying for this to be removed. XXXX and XXXX have removed it therefore Transunion needs to follow suit.

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 2021-08-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hi I Just recently took a look at my credit file because Im getting ready to purchase a home and there are a few things on my file that are not mine. Im not going to panic just yet but these account needs lo be taken off my credit CAF. Im doing this on my own and need some help. I sent a complaint to the FTC and the police. I also saw where my credit was ran alot and I have no! ran my credit these are the Inquiries that I dont know anything about XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX/XXXX  XXXX XXXX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 2021-08-05 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: IL

Complaint narrative:
Hi I Just recently took a look at my credit file because Im getting ready to purchase a home and there are a few things on my file that are not mine. Im not going to panic just yet but these account needs lo be taken off my credit XXXX. Im doing this on my own and need some help. I sent a complaint to the FTC and the police. I also saw where my credit was ran alot and I have no! ran my credit these are the Inquiries that I dont know anything about XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
I have sent two debt validation letters to First Federal Credit Control. The first validation letter was sent on XX/XX/. The company First Federal Credit Control respond with a billing statement which did not valid any of the requested Information. The next letter was sent on XX/XX/ which was a failure to validate letter, the company did not respond in the 15 day timeframe. This company have failed to validate my debt each time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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: Santander Consumer USA Holdings Inc.
State: AZ

Complaint narrative:
My credit score just ranked XXXX points because your company erroneously reported this XXXX charge off as an open active collection. This XXXX was totaled in a car crash in XXXX I have just apply to relocate out of state and if your erroneous reporting on my credit file is the reason I get denied I will hold you company civilly liable. If you do not know what that means I will file a lawsuit against your company for falsely reporting a closed account as active that resulted in my relocation housing and employment denial. I will sue for all my moving cost, deposit loss, flight cost for my whole family, punitive damages and more if you do not correct your reporting from open active collection to closed in 24hours

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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: CA

Complaint narrative:
I XXXX XXXX the consumer, have unauthorized accounts on my credit report that resulted from identity theft. 15 usc 1681c2 says that unauthorized accounts must be rremoved if it is related to identity theft. the unauthorzed accounts are attached in my ftc report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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 — Problem with personal statement of dispute
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I applied for a apple credit card. I received it in the mail and put it in my drawer. I did not activate the card and i wasn't planing on using it untill i had paid some others down. A couple months go by and i look at my credit report and find out that i have a late mark for not paying apple on time. I was supprised to find out apple put a digital version of the card next to the apple pay card in my digital wallet I used it thinking that it was apple pay not knowing that it was hooked up to my credit card. 
Apple says that they had sent me billing well it got buried in emails and I didn't go looking for it because i had not activated my card yet i wasn't expecting a bill from apple. I have disputed this and they confirmed the reporting 2 times This is my only late mark on my credit but at the time i had a couple maxed out cards so with this i looked like a credit risk whiched caused XXXX XXXX XXXX to cancel my oldest credit card with the large limit changing my % of credit being used and the length of my credit history. This has cause a snow ball effect and had made things very hard for me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XXXX This is the 3 time I have disputed and filed a complaint with the CFPB and the FTC over accounts XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX Third-Party Collection Agency unable to validate the debt. Other problems have included debt buyers selling with accounts with one creditor and then being collecting by another who allegedly purchased the debt ( Smith v. Mallick, 514 F.3d 48 ( D.C.Cir. 2008 ) ), disputes between debt buyers over who owns which account when buyers have purchased partial portfolios ( Wood v. M & J Recovery LLC, CV 05-5564, 2007 U.S. Dist. LEXIS 24157 ( E.D.N.Y., April 2, 2007 ) ( dispute over who owned the 1/5th of a portfolio that included the debtorsaccount ), or debt buyers attempting to collect monies in excess of the balance of a previously settled debt ( Overcash v. United Abstract Group , Inc., 549 F. Supp. 2d 193 ( N.D.N.Y. 2008 ) ) there are so many violations I don't which XXXX to start with. All of these accounts are fraudulent until I see PROOF OF CHAIN OF TITLE OF OWNERSHIP!! I have not received any documentation from any of the above companies and I request again that Proof of Claim and verification.

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 2021-08-05 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Self Financial Inc.
State: IL

Complaint narrative:
This account was closed ( Account # XXXX ) by this company more than 30 days ago and I have not received my payout. I have tried contacting by phone several times and it prompts an automated message then disconnects. I have also submitted two contact inquiries for support and no one ever responds at all. Where is my money?!?!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XXXX This is the 3 time I have disputed and filed a complaint with the CFPB and the FTC over accounts XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Third-Party Collection Agency unable to validate the debt. Other problems have included debt buyers selling with accounts with one creditor and then being collecting by another who allegedly purchased the debt ( Smith v. Mallick, 514 F.3d 48 ( D.C.Cir. 2008 ) ), disputes between debt buyers over who owns which account when buyers have purchased partial portfolios ( Wood v. M & J Recovery LLC, CV 05-5564, 2007 U.S. Dist. LEXIS 24157 ( E.D.N.Y., April 2, 2007 ) ( dispute over who owned the 1/5th of a portfolio that included the debtorsaccount ), or debt buyers attempting to collect monies in excess of the balance of a previously settled debt ( Overcash v. United Abstract Group , Inc., 549 F. Supp. 2d 193 ( N.D.N.Y. 2008 ) ) there are so many violations I don't which one to start with. All of these accounts are fraudulent until I see PROOF OF CHAIN OF TITLE OF OWNERSHIP!! I have not received any documentation from any of the above companies and I request again that Proof of Claim and verification.

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 2021-08-05 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: CONRAD CREDIT CORPORATION
State: FL

Complaint narrative:
I have contacted Conrad Credit Corporation several times and they have advised me that I only have one active account with them however they continue to report another account that does not belong to me on my XXXX  credit report. I have tried to dispute this account with XXXX and they have advised me that this 2nd account has been verified with Conrad Credit Corporation. When I contact Conrad Credit Corporation they have stated they can not update XXXX  about an account that does not exist in there system however they are the company that is reporting this inaccurate fraudulent account that does not belong to me. Remove this fraudulent account and update XXXX  with this information in order for me to consider resolving the account that does belong to me with you all. I will not resolve any account with Conrad Credit Corporation until they resolve this matter as it is damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
I began the process of refinancing my home in XX/XX/XXXX. I was not able to close on the refinance until XX/XX/XXXX. I was told at the time of application that it would be 45 days to close because it was a streamline refinance. After XX/XX/XXXX I basically emailed the processor every week or 2 to find out what was going on. The answer was always 'we are still waiting '. She was hardly ever able to tell me what we were actually waiting on. Only after I called and complained to everyone that would listen did I get any results. By that point i was calling almost every day. In the beginning I was told that I could not open any new lines of credit or do anything. AFTER the complaint I was told that I could do whatever I needed to do. This was 9 months into the process. I also told that I would receive at the closing. The amount I received back was significantly less than what I was told by the processor. Bottom line, I feel like the closing was mainly delayed so I would still continue to pay at the higher interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
capital one na on XX/XX/2021 text me with confirming venture card will arrive XX/XX/XXXX. I had security freezes and a fraud alert on all 3 bureaus and management on phone fraud Id theft verified they were blocked retrieving from XXXX, which verified admitting the ID theft fraud freeze filed with ftc and XXXX NJ pd affirming fraud existed. They have not removed any information on cra 's such as inquires and zero investigation information they required has been processed since XX/XX/XXXX immediately calling after 4 days since their reports of inquiries. No contact has been received yet fcra in at least 3 sections according to XXXX XXXX XXXX XXXX XXXX provided to represent which is investigating practices. This was fraud and need information on cras updated

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-05 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: MI

Complaint narrative:
The credit bureaus refuse to remove the following derogatory remarks after they have been unsuccessful at verifying any of the below. They defy all of the Credit Reporting laws and continue to defame my character as they have experienced data breaches which have compromised my privacy and security. I have just about had it with all that's going on with these bureaus and was advised to reach out to you all prior to litigation. Furthermore the newer law regarding credit laws, The Comprehensive Credit Act of 2020 section 401 specifically states that no items on my credit report for which no agreement / contract has been provided should at all show up on my credit report. However, the bureaus refuse to do anything regarding complying with these laws as well. I've had it and was advised to reach out to you all prior to litigation. 

XXXX  unauthorized Inquiries : XXXX/XXXX, XXXX/XXXX XXXX, XXXX/XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX XXXX : Breaks Hippa laws, not mine, no contract, ( ILLEGAL DATA ) falsely reporting about me : XXXX XXXX {$170.00}. I've never entered into agreement with these folks, who are they? Is the data breach what caused this issue? 

Experian, unauthorized Inquiries : XXXX/XXXX, XXXX/XXXX, XXXX XXXX, XXXX XXXX. There are late payments also reporting for which I've required proof to be shown to me as I do not have on my end anywhere that I paid late for two accounts listed as XXXX XXXX XXXX whether the account was either opened or closed. I had been adamant about providing on time payments. This is a violation of my character which defames 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 non-monetary relief
Consumer complaint received 2021-08-05 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: TX

Complaint narrative:
I have attached accounts that are reporting information inaccurately and as per the FCRA if something isnt reporting correctly it should be deleted from my three credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have attached accounts that are reporting information inaccurately and as per the FCRA if something isnt reporting correctly it should be deleted from my three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I'm playing this game and I'm trying to get my account number to add money to my account and I tried to transfer money from my PayPal account to my prepaid card with XXXX XXXX XXXX and it will not transfer the money

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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: TX

Complaint narrative:
I have attached accounts that are reporting information inaccurately and as per the FCRA if something isnt reporting correctly it should be deleted from my three credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: SC

Complaint narrative:
My account was not working with Fed Loan Servicing so I reset my password and wrote it down and saved it to my phone. I paid off some if my loans and the payments have not been reflected on my credit report. I tried to log into my account to print out my documents and see if the payment updated, but my account will not log in again. 
Fedloan Servicing recently announced they are not renewing users ' accounts which is unfair to allow me access to my account and information. I did not and do not give them permission to send my information to the bureaus nor to another loan servicer since information can be transferred inaccurately and payments that I have paid may not be reflected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )

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 2021-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
I opened a premier checking account with HSBC in XXXX. I could receive a 3 % cashback with all my direct deposits within 6 months from the advertisement. However, when I checked with them today, they said I'm not qualified for the bonus. I believe I applied through the offer link, and I'm frustrated I didn't get any bonus.

Company response to consumer: Closed with explanation