vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I did a balance transfer with my bank of America account of a payment of XXXX in XXXX. I contacted XXXX XXXX to see if it went through. XXXX XXXX representative told me that they do not do balance transfers and I would need to cancel it because it will not go through. then called to double check with another representative via phone call and was still told to cancel it. So I then Called BOA and canceled that balance transfer. On XX/XX/XXXX, XXXX XXXX applied that XXXX " payment '' to my balance. So I called BOA instantly and asked them to charge me for that payment because I did not want to get into any trouble for fraud. Two days later, they took that payment from me and ever since XX/XX/2022, Ive been back and forth with Both banks trying to get the resolved. Bank of America sent proof of a cashed check that was cashed by XXXX XXXX. Bank of America has done several searches and found no proof of payment sent or returned to them. XXXX XXXX keeps ending my dispute saying they are not at fault. I have checked with Bank of America and I keep getting that Bank of America is at fault. I just want the XXXX applied to my card. I just disputed with XXXX XXXX and they are saying that Bank of America is the issue and needs to refund 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 explanation
Consumer complaint received 2022-08-02 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: CBC Companies, Inc.
State: FL

Complaint narrative:
TODAYS DATEXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX 


I recently submitted a request for investigation of an Acct Number : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX 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 XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX XXXX, 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 XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
On July 17, while on vacation I went in to shop at a XXXX XXXX in XXXX XXXX, XXXX. It was a good shopping experience. I had no complaints. However, I was set up to apply for a card I did not want. I was under the impression I was applying for a rewards membership for a discount. At the end the cashier told me I had to take this up with the bank to cancel the application. Upon attempt to contact Comenity Bank, I had no luck speaking to an actual person. Come this week, when I was checking in on my scores on XXXX XXXX, I came to realize there is a hard inquiry on my report. This matters to me as I have been working to improve my scores. I again attempted to speak to a rep at Comenity Bank and after an hour wait, they said they couldn't help me. I would not agree to purchase a credit card for a store that is not located where I live. I'm not sure what can be done at this point, but I do not appreciate a hard inquiry on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Western-Shamrock Corporation
State: TX

Complaint narrative:
I recently cashed alive check from XXXX XXXX in XXXXXXXX XXXX. Unfortunately not long after I contracted XXXX twice along with other members of my family. A reason I explained to an employee from the company. After repeated calls to references I never gave to said company or gave them permission to contact, I decided to submit a Cease and Desist letter to said company. I also informed the company that although currently I was trying to reestablish myself financially, I couldnt at the moment with them. But I would contact them as soon as I had sufficient funds to make a payment. In turn the employee said they couldnt wait for me and that a cease and desist letter wouldnt prevent them from further contact. I still receive calls from them daily and I dont know why to do anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Company refuses to answer any internal messages about my complaint. 

On XX/XX/2022 they reported that I had a balance of {$4800.00}. 
They published to my lender that I failed to make payments in XXXX. 
On XXXX XXXX Comenity failed to accurately reflect payment information and caused me to make a double payment, which overdrafted my account 3 times and caused late payments bills. 
I lost my RV loan and truck loan once again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-02 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Debt collector called me 6 times within one minute. All calls were from the same number at XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-02 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: MD

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX  paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no 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 2022-08-02 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: CA

Complaint narrative:
Received two letters in the mail, one addressed to me ( name spelled incorrectly ) and one addressed to the occupants of my home address. The date executed on paper states XX/XX/XXXX. The letter is informing that my property will be sold if the amount of {$21000.00} isnt paid within 90 days. In the paperwork the notice is given by XXXX XXXX XXXX and the deed trust dated XX/XX/XXXX, executed by XXXX XXXX, AND XXXX XXXX XXXX. This looks like an old debt that these two people never paid when they used to own the house. I purchased this home on XX/XX/XXXX. All my finances are current and up to date

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 166B : 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 non-monetary relief
Consumer complaint received 2022-08-02 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: VA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 166B : 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 non-monetary relief
Consumer complaint received 2022-08-02 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: NCB Management Services Inc.
State: VA

Complaint narrative:
See attached and : Dear Rep, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. 

My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : 1. XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. NCB Management XXXX 12 XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX You are required to do what I am asking and block/ delete these transactions from being reported to my consumer report within 4 days according to the law. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: REGIONS FINANCIAL CORPORATION
State: NC

Complaint narrative:
I'm considering paying off one of my 2 credit cards. However, I was extremely dismayed to discover that Regions Bank, despite soliciting on the basis of interest rates, does not disclose the rates it charges on my credit card unless I agree to allow them to deny me access to a paper statement. In other words, those customers that object to only getting e-billing ( which I cancelled because it kept going to spam and/or otherwise arriving late ( resulting in Regions charging me late fees ). So, I can not make an informed decision about which credit card I should keep since I have no information to base my decision on, until I get next month 's statement, and even then, I have no way of knowing how the rates have compared to one another during the past months/years, since I am denied access to statements, again, unless I allow them to go back to sending me late statements so as to charge late fees, and spam me. I don't see how my choice to receive an actual bill, on time, ( which is my right ) should somehow impair my other rights, including knowing what interest rate they are charging me today.

Please look into this and ensure that Regions doesn't pick/choose between what rights it complies with, and those that it chooses not to comply with.

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 2022-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am a customer of 5/3 Bank since 2008. I have 3 checking accounts with them.

During all the years, 5/3 has consistently paid the largest amount and left smaller ones unpaid in order to charge " non-sufficient funds fees ''. Then, they started charging service fees in the account " with the lowest amount of funds '' again, to charge non-sufficient funds fees. I contacted them early XXXX  regarding fees going from {$11.00} to {$29.00}. They told me they charge fees on fees.. I said then that I would pay what I owed by the end of XXXX. We agreed that I would pay and that it would be it. But, since that day, I have received phone calls from their XXXX offices, as early as XXXX XXXX in the morning, telling me about the fees. In the beginning, I answered and told them that we had made an agreement. But, that did not change the MANY DAILY CALLS FOR OVER 3 WEEKS from early in the morning until late at night. It has been constant harassment, telling me time and time again about the charges made, but never checking the payment arrangement we had already agreed upon.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
The following incident occurred with USSA Federal Savings Bank : Wednesday XXXX XX/XX/2022, at XXXX, I logged into my USSA savings account to increase my daily limits for ATM withdrawals. I needed to pay a contractor that did construction work on my home and wanted to pay him first thing in the morning when he came by. When I made an attempt to withdraw funds, I was unable to. I called USAA and told them what I was trying to do. I was made aware that the increase in funds did not allow for an increase in ATM withdrawals, I was only allowed to withdraw {$610.00}. I made mention that I was unaware of that. The representative recommended that I make multiple attempts to withdraw what I needed. When I tried, I was immediately locked out of my account. I went home and got online, and I was locked out of reviewing my account online. Ii called back to inform USAA what happened and was advised to contact them the next morning. The next morning I contacted USAA and was told that my account was sent to the fraudulent department and would be locked for three days. I mentioned to them that it was not fraud and explained what I did. They said it wasn't anything they could do once it reached the fraud department. I asked them if I could speak with a supervisor and was told that there was no one else higher I could speak to. By my account being locked, I was unable to travel that weekend, plans that have been made weeks ago. Hotel reservations had to be canceled, I was unable to put gas in my vehicle, nor by any food for the house. Once I got through the weekend I called because it was day three. I was told my account was still being reviewed. I mentioned to them that my XXXX XXXX  pay, my XXXX check, and my paycheck was just deposited, and I needed access to my funds. All I received was a sorry for your inconvenience. I have been humiliated because I have taken two personal days off work because I can not put gas in my car. I have canceled my doctor 's appointment with XXXX XXXX, which I have waited 6 months for an appointment. I have called every day and now it is day six and I have had services in my home turned off even after explaining what happened. Some agencies are working with me. I mentioned to USAA how this has affected me and that I have XXXX XXXX XXXX  and my XXXX  and XXXX has gotten the best of me. They continue to say, there is nothing they can do. The humiliation I feel is because I am begging them to release my money so that I can function. As soon as this ordeal is over, i am transferring everything to another account and will never do business with USAA again. They have horrible reviews and they supposed to support the Military, retirees and their families. They do not care about the financial turmoil I am currently in or my XXXX state.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have been applying for loans and getting turned down. I realized on my Transunion credit report it is reporting that two of my creditors as Public records when in fact it was settled and was not sent to any court.

The two records are XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX  They alos show XXXX XXXX department store and XXXX XXXX under Collections. 

XXXX is reporting 3 accounts under public record which include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX 

XXXX is reporting 4 accounts under public records which include XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX 

None of these accounts went to court and it has made me be turned down for loans and also affected my interest rate on a car. 

I want the credit bureaus to be accountable for the information. How can they publish a court record when there was no court record.

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 2022-08-02 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: ID Analytics, Inc.
State: FL

Complaint narrative:
TODAYS DATEXXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Texas XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX  XXXX 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 XXXX 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 XXXX  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 XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation