vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
When citibank sent me a new card XXXX started showing that account as being closed. When I noticed that I disputed the status with XXXX. Now XXXX is telling me that the account has been deleted from their system as per Citibanks request. I've contacted Citibank several times and I've contacted XXXX several times and they both point the finger at the other. Meanwhile I'm stuck in the middle with a credit report that's not accurate. Please help.

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 2024-01-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
I am writing in regards to a 30 day late payment in regards to my Merrill Lynch Bank of America credit card. The late payment was approximately {$2.00}. 

Info : - I have had the card open since XXXX and have autopay established since my first e-bill. I have never missed a payment in the XXXX years. 
- I opened a BoA checking account in XXXX. Due to consolidation of our finances with my wife, I closed the BoA checking on XX/XX/XXXX. 
- I was live chatting with XXXX from BoA on XX/XX/XXXX and she said that because I closed the checking account : your bill pay profile was switched to a credit card only profile and that removed any payment information and autopay set up under the other profile. 
- I never received any communication that this would happen and wasnt told by the live chat rep when closing my checking that this would happen. 
- I only received notice that I had a missed payment from XXXX XXXX credit monitoring that I had. I quickly paid the {$3.00} that night. 
- I had simply assumed that my autopay of XXXX years would work, considering my pay-from bank account to my credit union never changed. 
- I noticed BoA never charged a late fee ; I certainly would have noticed a fee on my statement but never thought anything over the $ XXXX on the statement. 

I have major concerns with Bank of America 's inability to help with this, especially since Bank of America canceled my credit card autopay without informing me. When I live chatted with Bank of America to close the checking account back in XXXX, I was never informed that this changes my profile and removes my autopay ( how would I as a consumer know this? ). 

Hopefully a one-time good will adjustment can be made in my favor due to the unfortunate situation

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 2024-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Reliant Capital Solutions, LLC
State: IL

Complaint narrative:
Reliant Capital Solutions has called multiple times for a debt owed by someone named XXXX XXXX. I am not XXXX XXXX, and I do not know anyone by that name. The most recent call was today at XXXX XXXX. I spoke with a XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: WA

Complaint narrative:
I noticed a large drop in my credit scores ( from approximately 780 to 736 ) in XXXX of XXXX. Upon investigating, I noticed that this was due to the closure of my oldest credit card account, one with Discover. I called Discover to ask why. They stated that the card was closed due to a period of inactivity. No warning was given in advance of this occurrence. If warning had been provided, I would have used the card to prevent closure due to inactivity. Discover refuses to reinstate the account. The drop in my credit score due to this incident has impacted my ability to buy a home. I am currently in the market for a home in the XXXX area, and this large drop in my credit score means I am no longer able to qualify for the best mortgage rates. It seems unreasonable that consumers can be so greatly harmed by an account closure given without warning. This was completely out of my control.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Selene Holdings LLC
State: MD

Complaint narrative:
I have sent Selene all documents for a loan modification. The company initially stated that the loan package was incomplete. Upon further review by their agents XXXX and XXXX ( supervisor ) the team was able to verify that the package was complete and submitted on a timely basis. The rep XXXX had me send a letter with all of the details as to where in the package the overlooked documents were in the modification package. The supervisor XXXX stated that she would have the package reopened and the foreclosure sale postponed until the package could be reviewed. I have attempted to contact my single point of contact numerous times. My single point of contact XXXX XXXX has not returned my numerous calls or emails. I have been attempting to get this loan modification completed for some time. All documents have been submitted. Supporting documentation is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-01-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Blockchain.com, Inc.

Complaint narrative:
I received a phone call from Blockchain.com , Inc. ( https : XXXX ) Saying that I had a frozen account from 2015 and that I needed to install software on my computer and have a live session with an agent to reactivate the frozen account. I have no memory of opening an account and asked them to send me the account information so I could verify it before I did anything. 

The agent called me XXXX and a liar, and asked if I was XXXX and said he couldn't send me the information. I said in that case close the account. He said but you just asked for the information, are you XXXX  or XXXX 

I tried looking up the company and contacting them, but they have no contact that I could find, and the phone number on the XXXX XXXX XXXX site just has an answering machine. 

I have had my accounts stolen in the past and I am concerned that someone opened this account fraudulently and the fact that the company representative said he has too much to do to send my " my '' account information really comes across as sketchy. The fact that he yelled at me, refused to provide any verification and insinuated that I am XXXX XXXX because I want to verify an account makes me believe this is not a real company and that they are scamming me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Please swiftly correct this mistake and ensure that my account accurately reflects my history of making payments on time

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
This is an Opt-Out Demand. The account in question violates my rights as a consumer and pursuant to the Fair Credit Reporting Act ( FCRA ) as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and non-verbal pursuant to 15 U.S. Code 6801 6805 effective immediately and indefinitely concerning the account in question below. In addition to said legal authority, this entity has failed to comply with 16 CFR 313.4 313.9 and is currently in violation of said legal authority. Ive attached a copy of the Privacy Act of 1974 to clarify any confusion as to my rights as a federally protected consumer concerning this matter. I am also prepared in addition to enforcement warranted by the CFPB, to file suit in the proper jurisdiction to enforce my rights where this complaint will serve as evidentiary documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have reached out to XXXX of the companies listed above and advised them i have not applied for any credit and advised it may have been fraudulently applied for they have all refused to remove these inquiries off my credit profile. 

i HAVE ALSO REACHED OUT TO ALL XXXX CREDIT REPORTING BUREAUS AND THEY ARE UNWILLING TO REMOVE THE INQUIRES LISTED ABOVE UNLESS I FILE A FTC REPORT. 

FURTHERMORE, THE LISTED COLLECTION ACCOUNTS BELOW ARE STILL ON MY REPORT AFTER DISPUTING NOT ONCE OR TWICE, BUT MULTIPLE TIMES. THE CREDIT BUREAUS ARE REFUSING TO THOROUGHLY INVESTIGATE THESE ACCOUNTS, THEY HAVE NOT PROVIDED ME ANY INFORMATION ON HOW THESE ACCOUNTS ARE VERIFIED, INSTEAD THEY JUST SEND A GENERIC MESSAGE STATING " THE ACCOUNT HAS BEEN VERIFIED ''. ONCE I RE DISPUTED THEY SENT A LETTER STATING THEY COULD NOT VERIFY MY IDENTITY EVEN THOUGH I SUPPLIED NECESSARY DOCUMENTS TO DO SO. THEY ARE FAILING TO FOLLOW THE XXXX LAWS, AND IF NEEDED I WILL TAKE LEGAL ACTION INCLUDING AND NOT LIMITED TO {$1000.00} PER VIOLATION OF MY RIGHTS IF THIS IS NOT RESOLVED. 

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 


EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Spring Oaks Capital, LLC
State: CT

Complaint narrative:
This account is not mine and are fraudulent. I have submitted a complaint to the FTC, CFPB & my State Attorney General to have this account removed from my credit report. The address they have on file is not my address and I never lived there. This account needs to be removed IMMEDIATELY. XXXX and Spring oaks capital are in VIOLATION of 15 U.S. Code S 1681c-2. " A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identify theft, no later than 4 business days after the date of receipt. '' It has been MORE THAN 30 days and you are in VIOLATION of this law because I am a victim of identify theft. Please delete these items IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SMITH, ROUCHON & ASSOCIATES, INC.
State: MS

Complaint narrative:
I am not exactly sure what type of debt this is because the person is never clear about what I owe and what for. This company has contacted my employer several times and I have since moved to another department with the same company and they leave messages the people in that department. My coworkers clearly know this is a debt by them repeatedly calling. They also called my boyfriend 's number, and I am unsure how they received his number as I do not provide it for anything. His number is XXXX XXXX XXXX and they called him on XXXX XXXX. They have repeatedly called him XXXX  and left a voicemail with mine and his name on it saying that it is an urgent matter. He was at work and had to take a break as he thought I was in danger. My number is XXXX XXXX XXXX. They called my new job on XX/XX/XXXX. This is the main number they call from XXXX. This number is unable to be traced through XXXX. I don't know these people and wish they stop harassing me. They call from various spam numbers throughout the day from all over Mississippi. Please tell them to stop calling my job as I have informed them a few months back about that matter. They definitely do not need to try and find someone associated to me and call and harass them as they are not responsible for my bills. I don't know what these people want but they are going to make me get suspended from my job with a possible bill collector calling harassing all the time to each department I have ever worked.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC XXXX regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do 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 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC XXXX regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do 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 explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I am a victim of XXXX breach. I wrote letters to all three credit bureaus with a copy ofthe XXXX breach verification. As a result, these companies XXXX. XXXX XXXX XXXX XXXX XXXX posted on all 3 credit bureaus they " verified '' my accounts. I disputed with each bureau. I asked for Purchase Agreements with their companies to show full ownership of these accounts. I have not been presented with a purchase agreement but they continue to post on my credit reports.

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 2024-01-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
I received a letter back on XX/XX/XXXX from tsi. ( Transworld Systems Inc. ) stating that they are a debt collector and that I needed to pay for {$150.00}. On XX/XX/XXXX ( at XXXX XXXX ) I called the # to tsi and spoke with a XXXX XXXX XXXX who explained to me that XXXX XXXX had sent this to them, based on a transaction back on XX/XX/XXXX. I disputed the transaction and she then mentioned that she'd put a hold on the debt collection. ( with a tsi account/reference # of XXXX ) I didn't have any other contact from tsi until XX/XX/XXXX, when I received a new debt letter that now stated that I owe {$1600.00}. ( with a tsi account/reference # XXXX ) ( all along, my wife and I have thought of this as a scam ) I called tsi on XX/XX/XXXX and spoke with a representative and again filed a dispute. They again listed XXXX XXXX as the company enlisting tsi to collect money from me. She said that she took note, but ended up hanging up on me, when I started to ask questions. I have also sent a letter back to tsi to dispute the debt. 
I have never used XXXX XXXX ever in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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