vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Many years ago ( 10+ ) I got divorced and my credit was shot due to factors including ex wife quitting her job ( before the divorce ) and us not being able to pay credit cards and other debt due to young age and all that. 

My credit was destroyed and it took me years to rebuild it and got to where I can buy a house etc. I had only one negative left on my report which was a collection for a previous credit card or something - from Portfolio Recovery Solutions. 

I decided to try to do the right thing and called them to work out a deal. They put me in touch with their " legal '' department directly with a rep. I talked to him and they agreed to take 50 % and the debt would be marked as paid and NO LONGER REPORTED to the credit bureaus. I paid them approx $ XXXX ( half of the debt owed ) and then some time later I notice on my credit bureau a new charge with UPDATED DATE with the new balance. 

I've disputed this with all three bureaus 2 or 3 items each including all the emails from the collection agency. They continued to call me, send me letters, harass me about this debt and when I explain to them what happened they just say okay we'll research it then NOTHING HAPPENS. I know that credit bureaus and collection agencies will not DELETE an item from a report when it is settled, but it should have been marked as SETTLED and the balance should NOT HAVE BEEN REPORTED and therefore by now that negative would no longer be showing on my credit!!! 

This debt is from 10+ years ago but because I paid them they updated the date to XX/XX/2016 which I am now struggling to get this removed. I am trying to refinance my house and because of this one thing it is causing issues. 

This is NOT RIGHT! 

Attached are the emails with the " lawyer '' you can see what they agreed upon. Once I Paid they ghosted me, they would not respond. I sent multiple emails with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 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: CAC Financial Corp
State: FL

Complaint narrative:
On XXXX XXXX, 2020, CAC FINANIAL CORP add a derogatory mark on my credit reports. CAC FINANIAL CORP did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio America Asset Management, LLC
State: MN

Complaint narrative:
I told them XX/XX/2020 to stop calling, per Goverment law, since then they have called everyday, just differant numbers, I told themI was going to bill them {$1000.00} every time they call

Company response to consumer: Untimely response
Consumer complaint received 2020-12-24 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: MD

Complaint narrative:
I had an a transaction that came through in error by XXXX  XXXX XXXX. My card was locked at the time and Bank of America allowed access to my funds and charged me an overdraft fee for funds not being available. I filed a claim to recover the funds the merchant sent a email stating the funds should be credited back on XX/XX/2020. This process was suppose to take 3-5 business days. At this time I still do not have the funds. I contacted XXXX XXXX XXXX back and they said its been processed on their end. Bank of America claims to still not have them. They have refused to give any credit even though I am a 17 year customer. I am requesting that an investigation be conducted as to why they were allowed to unlock my card and allow this transaction to be processed and access a fee. The XXXX XXXX XXXX account is in my wifes name 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 monetary relief
Consumer complaint received 2020-12-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
BBVA USA is a bank headquartered in XXXX, Alabama. It has been a subsidiary of the XXXX multinational Banco Bilbao Vizca BBVA closed my account because my credit score changed, but I still have a balance.

They do not let me pay my outstanding balance online.

This is like they are trying to make me default This is so XXXX BBVA closed my account, but I still have have balance, and you don't let me pay online, I have to call in every time to make a payment. 
This is XXXX, it is a huge inconvenience that I can't pay online I am going to report you to department of consumer affairs XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is 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 explanation
Consumer complaint received 2020-12-24 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

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 2020-12-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian credit bureau is in violation of UDAAP ( practicing deceptive practices ). I have provided three written requests to ask for five different inquiries be removed from my credit report I DiD Not Authorize. EXPERIAN CONTINUES TO REPORT THESE INQUIRES. I was affected by XXXX  data breach in XXXX as well as two other breaches. My credit file and personal information was compromised. I informed Experian as recently as XX/XX/XXXX to remove the following Inquiries. One company ran my file 3 times on the same day. I did not authorize this. Also Experian is lowering my score with each credit dispute. I have also filed a Federal Trade Commission complaint as well as I have been impacted by multiple Data breaches ( refer to attachments ). EXPERIAN MUST IMMEDIATELY DELETE THE FOLLOWING SIX INQUIRIES : * XXXX XXXX Inquiry XX/XX/XXXX * XXXX XXXX Inquiry XX/XX/XXXX * XXXX XXXX XXXX XX/XX/XXXX * XXXX XXXX Inquiry XX/XX/XXXX * XXXX Inquiry XX/XX/XXXX * XXXX/XXXX XXXX XX/XX/XXXX * I am also attaching my Driver 's License as Experian frequently responds that I am not initiating the complaint. I, XXXX XXXX, am the respondent and complainant.

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 2020-12-24 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: NJ

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is 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 explanation
Consumer complaint received 2020-12-24 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: NJ

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 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:
Hello, I very distressed that you continue to report account that I do not recognize. I can not understand why this wrong information is included in my profile. Please accept my clam and this message and remove this mistake from my credit profile. I am requesting that you delete information off from my credit report because I am not connected to this account like absolutely. I am victim of Identity heft, someone used my personal information. Please check names, addresses, signatures and remove 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 2020-12-24 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: FL

Complaint narrative:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

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 2020-12-24 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: FL

Complaint narrative:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 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: Express Recovery Services, Inc.
State: FL

Complaint narrative:
I am writing to EXPRESS RECOVERY agency because I am having difficulties with buying a house and applying for new credit cards. I paid the collection and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results. I am kindly requesting EXPRESS RECOVERY agency to remove this collection from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: U.S. BANCORP
State: LA

Complaint narrative:
Beginning XX/XX/2020 I begin to have problems with my USBANK RELUACARD. My unemployment benefits are deposited to this card. Ive never had any problems until I moved this month. On XX/XX/2020 my balance was available but my account was blocked. After being on hold with customer service for 45 minutes to an hour, I was told my account was in the fraud department. I was instructed to send my government ID & a selfie to verify.usbank.com/id. On XX/XX/2020 I received another call from the fraud department stating I needed to resend my ID & selfie because it was unclear. Again I sent the information. Here it is XXXX XXXX and another check has posted. But because of their neglect in processing my information I am without electricity, food or gifts for my family. I called again this morning and got the same run around that Ive gotten a week ago. The CSR all say they would put in a ticket and send it to escalation department. I hung up and tried another number where the CSR explained that there was a message on my account had a note from the escalation department from XX/XX/2020 stating unable to lift block. Why the previous CSR didnt relay that message is applauding to me. After 2 times of send ID/selfie Im still unable to access MY benefits. As if life isnt hard enough because of the pandemic now I have to wait for another 5 to 7 days. Tomorrow Friday is XXXX so that is an additional delay. 
I have put in a complaint about this company before to no avail. THIS ON TOP OF UNEMPLOYMENT BENEFITS POSSIBLY EXPIRING THIS WEEK NOT BEING ABLE TO SUPPORT MY FAMILY IS EMOTIONALLY DEPRESSING. I intend to file a lawsuit for emotional distress, and my wages that are an available balance as of this date {$410.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is 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 explanation
Consumer complaint received 2020-12-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax credit bureau is practicing Deceptive practices. I have provided three written requests to ask for six ( 6 ) different inquiries be removed from my credit report I DiD Not Authorize. Equifax CONTINUES TO REPORT THESE INQUIRES. I was affected by EQUIFAX data breach in XXXX as well as two other breaches. My credit file and personal information was compromised. I informed Equifax as recently as XX/XX/XXXX to remove the following Inquiries. One company ran my file 3 times on the same day. I did not authorize this. Also Equifax is lowering my score with each credit dispute. EQUIFAX MUST IMMEDIATELY DELETE THE FOLLOWING SIX INQUIRIES : XXXX XXXX XXXX Date of Inquiries : XX/XX/XXXX * XXXX XXXX Date of Inquiries : XX/XX/XXXX and XX/XX/XXXX * XXXX XXXX Date of Inquiry : XX/XX/XXXX * XXXX  XXXX Date of Inquiry : XX/XX/XXXX * XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX * XXXX XXXX  Date of Inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MS SERVICES LLC
State: CA

Complaint narrative:
MS XXXX Services is making my life miserable. I want to write you about the following account : Account number : XXXX, date Opened : XX/XX/2020, high credit {$2400.00}. 

Violations committed by this company to the Rosenthal Act of California Credit Reporting Act that your company has committed : 1. Unfair business practices : Using an automated dialing system 2. Failing to mark account as disputed.

3. intrusive and ambiguous voice messages.

4. Re-aging account. ( Serious violation because it kills my credit score ). 5. Reporting incorrect first delinquency date. 
6. Negligence.

7. Failure to provide customer adequate customer service.

8. Failing to register in the California and Wyoming Secretary of State. 9. inconsistent report across bureaus. 

All I want is a fair solution to this issue. I want the item removed from all three credit reports as a compensation for all the damages that they have caused me. i am not able to get a home and I've been through emotional stress too. 

I ask that you send the attached documentation to the company. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX credit bureau is practicing Deceptive practices. I have provided three written requests to ask for six ( 6 ) different inquiries be removed from my credit report I DiD Not Authorize. XXXX  CONTINUES TO REPORT THESE INQUIRES. I was affected by XXXX  data breach in XXXX as well as two other breaches. My credit file and personal information was compromised. I informed XXXX as recently as XX/XX/XXXX to remove the following Inquiries. One company ran my file 3 times on the same day. I did not authorize this. Also XXXX  is lowering my score with each credit dispute. XXXX  MUST IMMEDIATELY DELETE THE FOLLOWING SIX INQUIRIES : XXXX XXXX XXXX Date of Inquiries : XX/XX/XXXX * XXXX XXXX Date of Inquiries : XX/XX/XXXX and XX/XX/XXXX * XXXX XXXX  Date of Inquiry : XX/XX/XXXX * XXXX  XXXX Date of Inquiry : XX/XX/XXXX * XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX * XXXX XXXX  Date of Inquiry : XX/XX/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 2020-12-24 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: FL

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is 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 explanation
Consumer complaint received 2020-12-24 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: FL

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I opened a checking account with TDbank back in XX/XX/2019 and at the time TD was not charging international transaction fees and that's one reason I opened my account with them. XX/XX/XXXXthey charged me two fees XXXX for international transactions and another XXXX for what they consider international transaction. I called them to dispute it and they said they started charging in XX/XX/XXXX. I am prejudiced by lack of prior notice and was not afforded a chance to close my account before they start charging.

Company response to consumer: Closed with monetary relief