vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I have a home loan with Bank of America, I fell behind originally due to natural disasters that hit every year before XXXX ( XXXX XXXX, XXXX, XXXX XXXX and I had a reduction in income. I applied for assistance with bank of america and went through multiple reviews trying to get assistance. They were saying they were " unable to verify my qualifying income '' which I never could get a good explanation since it was VA military XXXX and Social security which were verified with award letters and bank statements. For a time in XXXX I earned some self employment income of around {$2400.00} per month but lost it the same year. Bank of America made me file a tax return to document it so they could count it and I did and provided a copy to them but since the IRS was slow to process it when they did the 4506T transcript it did not show up yet. I escalated it then and it was supposed to be all cleared up. Since then I have not filed since my household income has been tax free from VA military XXXX and Social security. Then around XX/XX/XXXX XXXX hit and we were affected and went on the XXXX forbearance. As everyone was told that at the end no one would have to make up all the payments but there would be assistance to bring the loan current so we wouldn't lose our home. So XX/XX/XXXX it ended and we applied for assistance. Bank of America ends up saying the same thing they did and denied us that " they could not verify our qualifying income ''???? Since our only income for the last 4+ years has been VA XXXX XXXX and Social security I couldn't get anyone to explain how they could not verify that when I sent in the award letters and bank statements showing the deposits???? Now Bank of america has sent us foreclosure letters through XXXX XXXX XXXX XXXX attorneys office. I have reached out to the attorneys office to find out if there is a foreclosure sale date but they have yet to answer for 2 days and from my experience with these people in the past they don't give notice as required by law but they just impose a sale date and by the time I find out it is too late to do anything. I have reached the end of the rope as we are facing health problems from XXXX and my wife is sick and is more susceptible to XXXX  due to her poor health and being 100 % XXXX from service connected 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 2022-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: COLLECTIONS USA, INC.
State: AZ

Complaint narrative:
The Credit Bureau is reporting inaccurate information on CLLCTIONSUSA. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
This company has reported this debt on my report report has being owed and that is inaccurate. I do not have a signed contract with this company nor an agreement stating i owe this account or company. I have attempted to contact this company on many occasions with no resolution. I have also submitted disputes to all XXXX credit bureaus for them to validate this debt and to provide the written and signed contracts for this company reporting the debt as well as verifying and validating the amount owed and the accuracy of this reporting. They are not disputing this with the company nor providing the requested documentation. This still has not been removed from my credit reports which has caused me to be denied for credit and I have advised them of the FCRA laws and requested these be removed. Please request for this to be removed asap. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
I have disputed this account several times with no success they didnt provide even response nor did they send me anything to verify to say that is was mine

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
Apple credit card continues to insist in reporting the credit card as a charged off even though the credit card was not included in my bankruptcy and even though the credit card had no balance owed at the time of me filing for bankruptcy. And I have the discharge papers where it shows which where the credit card that were charged off and apple card was not one of them. I file a claim and they are insisting in reporting card as a charged off through bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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: CITIBANK, N.A.
State: AZ

Complaint narrative:
I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on DSNB MACYS. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

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 2022-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: AZ

Complaint narrative:
I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on NATLCRSYS. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2021 I called Bank of America to ask why I was being debited payments for different companies from an old debit card that I had clearly changed because it had been compromised. I updated the companies that I need to and left out the ones I wanted to stop payment on. Thinking that since they didnt have the new debit card they couldnt withdraw any funds ( a letter was also sent to the companies to revoke authorization ). To my surprise Bank of America kept paying the companies even tho there was a revoked authorization or stop payment in place. Frustrated I called gain to his time the lady in the phone assured me that the stop payment would take place. It didnt Im still being be tied as of today. BofA excuse? I was told that if the companies change their account number every time a debit happens they have no way of stoping them from taking the funds However this is not true according to federal law which states that a client may revoke an authorization at any time by phone, email, fax and writing. On my last call with bak of America I begged for a solution as I saw my bank account drained. No was given except to take my funds XXXX close mY account. Then there was a Holliday and banks where closed and today Im in this letter hoping that Bank of America rectifies this because they wont do it for 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 monetary relief
Consumer complaint received 2022-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Riverwalk Financial Corporation
State: AZ

Complaint narrative:
The XXXX Credit Bureau is reporting inaccurate information on DEVILLE MGMT. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Untimely response
Consumer complaint received 2022-01-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Netspend Corporation
State: CO

Complaint narrative:
I was sent an XXXX XXXX debit card. The card was sent to by by XXXX. It was associated with my name and SSN. However, I never requested the card. Weirdly, it had my correct name and address. 

I contacted the company to request immediate cancellation. XXXX confirmed that they bulk-send cards out " hoping that [ consumers ] will find value '' in the card and continue using the service. When calling the company, I had to validate I was who I claimed to be by verifying my correct SSN. 

This business practice poses a very high risk that the card could fall into the wrong person 's hands and could, in turn, have adverse impact on credit scores. Given the sophistication of scams today, it's also amazing that a company would think it's OK to send these types of " offers '' out to the general public. Calling into a " call center ' and having to pass along sensitive information that was never provided to this institution in the first place is a great way for scammers to get financial information needed to open fraudulent accounts.

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 2022-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I found my Wells Fargo checking account {$1200.00} ( figure rounded ) overdrawn! After some research, I found that on 3 occasions, my account was overdrawn when a stimulus was deposited, so I was issued a temporary credit. All three were reversed and charged back to my account yesterday along with 3 overdraft charges of {$35.00} each. 
Since I was unaware this happening, not notified in advance and never authorized these credits, is there anything I can do? I spent hours on the phone today with the bank, being transferred 4 times and placed on hold up to an hour at a time, was " accidentally disconnected '' once but told there was nothing I could do each time. This will cause my daughter and I to be evicted and XXXX by the XXXX when rent os due. Do I have any options? 

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 monetary relief
Consumer complaint received 2022-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Trident Asset Management, L.L.C.
State: AZ

Complaint narrative:
I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on TRIDENT ASST. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I HAVE BEEN DISPUTING AND COMPLAINING ABOUT THIS COMPANY XXXX XXXX XXXX TO EXPERIAN FOR THE PAST FEW YEARS NOW, THEY HAVE BEEN ILLEGALLY ADDING AND RE-CREATING OLD CHARGES THAT I AM NOT AWARE OF FOR OVER XXXX YRS NOW. XXXX KEEPS EACH YEAR RE-CREATING THESE SAME OLD CHARGES THAT SHOULD HAVE BEEN REMOVED OFF OF MY CREDIT LONG BEFORE NOW. XXXX HAS JUST FLAGGED MY ACCOUNT WITH EXPERIAN THIS YEAR XXXX ADDING A NEW CHARGE OF : XXXX OPENED ON XX/XX/XXXX?? XXXX HAS BEEN ADDING CHARGES THAT ARE OLD AND RE-CREATING AS IF NEW TO KEEP MY FILE NEGATIVE AND DELINQUENT THIS SHOULD BE ILLEGAL, AT TIMES OPENING 2 ACCOUNTS IN THE SAME YEAR, ON 2 DIFFERENT OCCASIONS. DATES : XX/XX/XXXX XXXX, XX/XX/XXXX {$2100.00} AND XX/XX/XXXX XXXX ( SAME YEAR ) : XX/XX/XXXX {$1300.00} AND XX/XX/XXXX XXXX ( SAME YEAR ), XX/XX/XXXX {$1400.00}, XX/XX/XXXX {$1800.00}. PLEASE INVESTIGATE XXXX OLD CHARGES RE-APPEARING AS NEW

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 2022-01-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
im complaining of behalf of Wells Fargo Bank going on XXXX years have been a living XXXX, in the process i had hired 3 Attorneys and literally got rip off by all of them especially one particular attorney that did nothing to modified. Until a year later i got modified myself without an attorney. I have Three accounts with wells fargo especially the mortgage account to save my home and there customer service is the worse. The personal accounts is horrible too because there overdraft fees are XXXX dollars a pop and there is another bank that reduce there overdraft fees to XXXX because they know due to Covid.

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 2022-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: AZ

Complaint narrative:
The Credit Bureau is reporting inaccurate information on AFNI. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on LVNV FUNDING LLC. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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: LEXISNEXIS
State: AZ

Complaint narrative:
I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Remove this Bankruptcy from my Public record Chapter XXXX Bankruptcy Case Number : XXXX Chapter XXXX Bankruptcy Case Number : XXXX Chapter XXXX Bankruptcy Case Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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 sent letters to the Credit Bureaus to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : Personal Information CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX EMPLOYER : XX/XX/XXXX EMPLOYER : XXXX XXXX XXXX XXXX Inquiries XXXX XXXX Date of inquiry : XX/XX/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 non-monetary relief
Consumer complaint received 2022-01-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I sent letters to XXXX, XXXX and TransUnion on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 35 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2022-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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: AZ

Complaint narrative:
I sent letters to the Credit Bureaus to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : Personal Information CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX  XXXX, AZ XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX AZ XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX EMPLOYER : XX/XX/XXXX EMPLOYER : XXXX XXXX XXXX Inquiries 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 non-monetary relief
Consumer complaint received 2022-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against 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 non-monetary relief
Consumer complaint received 2022-01-20 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: NY

Complaint narrative:
I have been disputing negative items on my report for months I have not received how these items was validated on my account and these recent reports have not fixed my problems please look into my reports and correct these issues it has been more then thirty days as well

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