vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I have contacted Bank of America at least a dozen times I have filed a report with FTC I have filed a police report I can not resolve and it started in XX/XX/XXXX and is still on going and I'm frustrated The identity theft started in XX/XX/XXXX and it's up to over XXXX I notified bank of America when it started and I forwarded all the fraudulent e mail notices back to the abuse e mails ( e mail you can forward but no response or reply ) - I have mailed at least 5 times all the supporting documentation all the e mail etc all the proof charges are fraud and its over 250 pages and i don't even get a common courtesy of a response - In XX/XX/XXXX my account balance was XXXX so I thought the fraud was finally reversed but to no avail because the next month XX/XX/XXXX the balance was again over XXXX. Also a checking account was fraudulently opened in my name and was overdrawn and then boa charged the credit card an additional XXXX dollars My account is locked and there are auto payments from XXXX of XXXX a month then auto payment changed to XXXX a month in XXXX of XXXX and i can't even stop the autopay on an account that is suppose to be 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 2021-03-29 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: FL

Complaint narrative:
TODAYS XXXX XXXX, XXXX SOC SEC XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX  XXXX Department XXXX. XXXX XXXX XXXX, Texas XXXX TransUnion XXXX Solutions, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 

XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX  XXXX XXXX  XXXX  XXXX  XXXX XXXX-XXXX/XXXX  XXXX I recently submitted a request for investigation of an Acct Number : Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v TransUnion, XXXX XXXX XXXX ( XXXX  ), and XXXX XXXX XXXX, XXXX  et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL 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 2021-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
TODAYS DATEXX/XX/XXXX XXXX, XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX* Equifax XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX  Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX  XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 

XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX  XXXX XXXX  XXXX  XXXX  XXXX XXXX-XXXX/XXXX  XXXX I recently submitted a request for investigation of an Acct Number : Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
Bankruptcy completed and closed XX/XX/2020, filled multiple dispute claims to get removed from credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AES/PHEAA
State: NC

Complaint narrative:
I noticed a Student loan on my credit report from Fed Loan Services this account is a result of Identification theft. Tried to dispute this and contact company they keep saying that its mines and it is not. It was opened on XX/XX/2017 the balance is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-29 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: REGIONS FINANCIAL CORPORATION
State: SC

Complaint narrative:
Upon selling our home, Regions XXXX accepted {$6000.00} toward the 2nd mortgage/Home Equity Loan when our house sold. The remaining balance we owed was converted into a personal loan, in which we agreed to pay {$25000.00}. This loan promissory note was signed on XX/XX/2018 ; however, the loan was not property processed and was lost. My wife and I made multiple attempts to pay the monthly agreed-upon payment amount of {$210.00} ; however, Regions Bank refused to take our money and stated they did not have a loan for us. Shortly thereafter, we started receiving phone calls from Attorney 's office about the balance due. After contacting 3 different attorney 's offices ( who we were told had received the documentation ) as well as speaking with XXXX XXXX, Manager of Region Collections/Mitigation, he was able to obtain the account back from the assigned attorney 's office ( we still do not know who received the bill ). However, they have not reported the correct amount as well as the correct account number to the Credit Bureau 's on our behalf. We have paid over {$10000.00} toward our agreed-upon balance of {$25000.00} ; however, the credit bureau shows our balance as {$52000.00} AND that this amount is a " charge off. ''

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 2021-03-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP
State: TX

Complaint narrative:
I am trying to refinance my mortgage with a different company and when the lender pulled my credit report, US Bank reported incorrectly on the credit bureau that my mortgage payment is not current and this has affected me in a negative way in refinancing process. I am current on my mortgage payment. The lender in which I am trying to refinance is asking for a letter from US Bank stating that I was not late in my payments for more than 30 days in the past 12 months and my next payment due date is. I contacted US Bank on Friday XX/XX/XXXX and provided them a fax number to where the letter need to be sent to. I was told that a rush request were submitted for the letter to be sent within 48-72 hours. I contacted US Bank again the next day inquiring about the letter, the representative I spoke with stated there was no note about the rush request. The representative emailed me and the lender of my 12 months mortgage payment history which was not the lender was asking for. That letter is what the refinance lender is asking for and US Bank is dragging its feet to provide a solution in fixing the problem it had created.

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 2021-03-29 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: MA

Complaint narrative:
XXXX and XXXX keep reporting 2 late payments on my account i had dispute them 3 times with no result I contacted the creditor and they say I never had any late payment. 

The account is closed with the creditor At the moment but i want XXXX to remove the late payments The company is XXXX /XXXX XXXX XXXX. 
2 late payments.

Really appreciate the 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 non-monetary relief
Consumer complaint received 2021-03-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Georgia Student Finance Authority
State: MA

Complaint narrative:
I took a student loan from Georgia Financial Authority in XXXX. I paid off the loan from what the representative told me I owed in XXXX of XXXX. 

I recently checked with credit report recently and saw that I have had 120 late payment for that account starting from XXXX of XXXX to XXXX of XXXX. 

I called them and told them that It should of been closed. they told me that thee eaccount was never closed and that there was a small remaining balance that had been accruing interest. 

All the contact info they have on me was from XXXX when I initially took the loan and so there was no way for me to know there was anything remaining. 

This has completely ruined my credit and I filed a dispute with them and they told me they are not willing to do anything about it. 

I did my due diligence to.pay off this loan and for me to get so negatively impacted is unfair when they can easily detract/ forgive that deliquency that should not happened in the first place. 

I made sure the account has been closed out as soon as I found out and paid the remaining balance that accrued interest since XXXX. 

Please Help!

Company response to consumer: Untimely response
Consumer complaint received 2021-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This complaint is to describe an issue with the company Equifax and it's online account service MyEquifax regarding a credit freeze. The original credit freeze on my report/account was placed in XXXX. Around XX/XX/XXXX I placed an online request with Equifax to have a TEMPORARY freeze from XXXX XXXX, XXXX to XXXX XXXX, XXXX. It is now XX/XX/XXXX and when I logged on, I discovered via my account that the freeze had not been reinstated and the date of expiration viewed on my account was XX/XX/XXXX. This is 4 months past the requested expiration of the temporary lift. I verified the information by going to the " Freeze '' tab on my account which stated there was no active freeze. In attempting a subsequent temporary freeze, the online account stated that a lift was already in place and prompted me to change the dates to replace the previous lift. 
It is my contention that there was no freeze placed on my account from XXXX XXXX, XXXX to XX/XX/XXXX. The representative I spoke with could not explain the discrepancy in dates nor the lack of coverage and I am forwarding this information to CFPB in order to have the issue formally presented to the company to be investigated and resolved. Thank you! XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 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: EQUIFAX, INC.
State: MA

Complaint narrative:
Equifax and equifax keep reporting 2 late payments on my account i had dispute them 3 times with no result I contacted the creditor and they say I never had any late payment. 

The account is closed with the creditor At the moment but i want equifax to remove the late payments The company is XXXX /XXXX XXXX XXXX. 
2 late payments. 

Really appreciate the help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 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: NY

Complaint narrative:
Theres unauthorized inquiries on my credit report and I would like to have them removed XXXX removed these disputed inquiries but XXXX  and TransUnion hasnt all three credit bureaus are reporting different inquiries

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 2021-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I checked my credit report, some information is not mine. I think that I may be a victim of identity theft. I do not recognize this account and have never incurred debt with this creditor. Thus, I am requesting that you please verify the validity of this account, and remove them once its confirmed that it is not mine. It could also be possible you are mixing up this account with someone that has a similar name as me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
I was in involved in an NO FAULT accident XX/XX/XXXX that is still in litigation with XXXX XXXX company to date. This debt was/in under a lien towards the lawsuit. the original creditor is XXXX XXXX XXXX, XXXX XXXX CA. XXXX XXXX turned debt over to XXXX XXXX. ( XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX, CA XXXX ( XXXX ) XXXX ) in XX/XX/XXXX. XXXX XXXX refused to remove he 3 negative reporting lines on 2 of my credit reports ( XXXX, XXXX ). My attorney has sent them several of letters asking them to remove the negative reporting which in return he refused and still charges interest monthly totaling well over {$1000.00} in interest alone. 
It is extremely unfair that this company is DOUBLE DIPPING with Lien and Extreme interest charges as well as RUINING my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA

Complaint narrative:
On Monday XX/XX/2021 at approximately XXXX XXXX, I received multiple phone calls to different family members phone numbers from an unknown number trying to reach me. There was no company name mentioned in the voicemail, only a phone number ( XXXX ) When I called this company back, they told me that I had a debt and when I requested a validation notice through mail that I did not receive, an employee supervisor named XXXX XXXX stated that they can not send me another validation notice because they simply do not have time and that the Fair Debt Collection Practices Act does not apply because I am in the pre-legal stage. I am being harassed and not being told or made aware of my right to dispute this debt. The companys name is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 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: VA

Complaint narrative:
I disputed my XXXX accounts with Experian that were paid off XX/XX/2020 ... after payment account is still showing on my profile and the original loan is way over the statute of limitations ... Experian changed the account to show in collections XX/XX/2020 after it is paid off and should be removed from my account because of federal law

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 2021-03-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP
State: UT

Complaint narrative:
On XX/XX/2021 I made a {$27000.00} payment toward a new vehicle loan with US Bank. The total value of the loan was approximately {$29000.00}. 

US Bank withdrew {$27000.00} from my XXXX XXXX account TWICE, taking a total of {$54000.00} dollars. I have been in contact with US Bank at least three times a week since, and have been promised the money will be returned " in time '', and I simply have to wait. It has been three weeks, and I don't believe it is reasonable I should continue to have my funds withheld. 

Additionally, I have not received even an apology, or any indication I will be compensated for the interest I am losing on this money. However, I am continuing to to get invoices for my next monthly payment! 

I have filed a complaint with US Bank several times, each time being told someone would follow-up with me in 24-48 hours. I have never received a response. I don't believe US Bank intends to respond. 

I was originally told US Bank would return the funds last week via XXXX, and that did not happen. Supposedly a check has been issued, but it may have been placed in regular mail. US Bank clearly demonstrates it sees no urgency in returning these funds. 

I would like to receive a pay-off amount, without penalty, and close this loan. I do not wish to do business with US Bank any more.

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 2021-03-29 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: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 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: Santander Consumer USA Holdings Inc.
State: TN

Complaint narrative:
Last year I had XXXX XX/XX/XXXX to XX/XX/XXXX of 2020. I had a late payment with Santander auto finance. I immediately had my aunt die out of state due to XXXX. I had to travel to take care of my grandmother. I was completely devastate by COVID during this era of life. I asked Santander to help with the late payment reported and they said there was nothing that can be done.

Company response to consumer: Closed with explanation