vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
my Bank of America checking account was hacked and my debit card was fraudulently used to pay for XXXX XXXXXXXX XXXX for the 2nd time the first incident was on XX/XX/XXXX in the amount of {$9.00} plus an international fee of {$0.00} which took Bank of America approximately 5 day 's to refund the charges however this claim is still under review and not resolved now the second incident was on XX/XX/XXXX by the same merchant XXXX XXXX XXXX  in the amount of {$19.00} plus an international fee of {$0.00} on this transaction it has caused my account to become over drawn at this time. Bank of America has charged me an overdraft fee of {$35.00} which they are refusing to reverse this erroneous fee but has refunded one of the fraudulent charges of {$19.00} which still has my checking account over drawn.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-05 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: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 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: SC

Complaint narrative:
Hello, I reach out to CFPB a few weeks ago on this matter with ya 'll giving a complaint on Experian, XXXX  and XXXX. Their reaging false accounts on my credit report and have yet send any verified information with my signature on any of these accounts they literally deleted that you'll see in my upload files but then put accounts back on as a New Account. Which is a Violation of the FCRA Section 623 and Violation FDCPA 806B

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I complained about the Experian Boost Program. 

Your complaints COMPLAINT ID PRIMARY CONSUMER PRODUCT AND ISSUE CONSUMER-IDENTIFIED COMPANY SUBMITTED STATUS XXXX XXXX XXXX XXXX Credit repair services Problem with customer service EXPERIAN XX/XX/2020 Closed Feedback provided XXXX XXXX XXXX XXXX XXXX XXXX  services Problem with customer service EXPERIAN XX/XX/2020 Open Company response is in progress as of XX/XX/2020 ... I was later contacted by XXXX XXXX, of experian XXXX XXXX XXXX | Experian Consumer Affairs | Senior Regulatory Affairs Associate XXXX XXXX  XXXX XXXX XXXX, TX XXXX I told him my concerns, he advised me to again provide him my utility information for XXXX XXXX XXXX..which I did .I have continued to pay all my bills on time, including XXXX XXXX ... When 30 days from last month passed again today.XXXX XXXXExperian reduced my credit rating by 23 points ... I feel this is retaliation for my complaints. 

I have attached my Experian credit report which shows no derogatory information on my report, no collections, also showing they have not added my XXXX XXXX electric utility leaving still at 4 accounts ... .There has got to be something that can be done ... I am XXXX years old, it would seem that my credit rating should increase instead of dropping.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Santander Consumer USA Holdings Inc.
State: SC

Complaint narrative:
I financed a car in XX/XX/XXXX it a XXXX XXXX with Santander. At the end of my loan I had a significant balance which was predatory. The car was subsequently repossessed. I received a bill of {$6500.00}. I attempted through legal representation as well as personal representation to get this resolved. The balance was sold to a collection agency where I settled and paid {$2500.00}. Santander continues to report derogatory on my credit report after I settled. I later found out that legal action was brought against for the very thing they did to me. Its now XXXX and I was told that it will not be removed until XXXX. This is unfair and I feel victimized all over again

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XXXX XXXX of 2017XX/XX/XXXX contacted me and informed me that my personal information had been affected in their data breach along with 143 million other consumers. My social security number, date of birth, address, drivers ' licenses number along with other personal information has been used to open several accounts in my name without my permission. This has mentally, and emotionally affected me as my personal credit and overall credit score has been damaged due to the error that XX/XX/XXXXallowed to take place. I asked for the companies to provide me with legal debt validation ( Proper paperwork showing how this account was added in my name, documentation with my signature, along with proof that your company is legally allowed to collect this debt from me. It has been well over 60 days and I have yet to receive legal debt validation. 

Section 609 of the " Fair Credit Reporting Act '' states that all companies must provide legal proof of all accounts listed on a consumers credit report. Not only do these accounts not belong to me, but these companies have failed to comply with the fair credit reporting act. I have provide a police report to this report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: AZ

Complaint narrative:
TD Bank - I have checking, savings and Christmas Club with them. Christmas Club account was automatically closed out for XXXX on XXXX XXXX, XXXX. I have not received check of {$1100.00} as of XX/XX/XXXX. I first called on XX/XX/XXXX and asked about the check and was told to wait 10 days. I next called on XX/XX/XXXX. In the conversation I was informed that the check was sent to an old address that was not changed by the bank in the summer of XXXX with the other 2 accounts. The representative told me I needed to go to my branch about getting a new check if they knew me ( really? ). I explained my bank is in XX/XX/XXXX and I am currently teaching in XXXX, XX/XX/XXXX. I was informed that only a branch may reissue the check and I had to call them. My branch has closed ; nearest branch is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XX/XX/XXXX XXXX XXXX. I called on XX/XX/XXXX and finally was able to talk to the Assistant Bank Manager, XXXX XXXX XXXX # XXXX. She informed me that I had to fill out paper work and have it notarized about the " lost '' check -- and that the Christmas Club check could not be replaced for 90 days or XX/XX/XXXX. I told her this was unacceptable, that THEY sent the check to the wrong address and I needed the money for Christmas. The money was automatically transferred from my checking to the Christmas Club each month - the check in question is for {$1100.00}. She told me policy was 90 days to replace. I asked for the money to be put in my checking account but to no avail. I have the necessary paperwork from TD Bank for a " stop '' on the missing check but with the virus we have to make an appointment with a notary and then fax the copy to the bank and mail the original.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-05 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: CA

Complaint narrative:
I started in XX/XX/2020 to find out why my credit report was so low. Experian will not remove a bankruptcy that is destroying my life. I understand if I filed then I would have to deal with the consequences, but I did not. I disputed the the negative mark on my credit report, and waited for a response, 30 days later I got a credit report with no changes and a letter stating they received their information from XXXX XXXX and that it would remain. So I contacted XXXX XXXX, and they told me they would look into it, and they did and they sent me a letter and and updated report so I could have proof for myself, and I sent all of that information to Experian and they still have not removed it from my file. I pay for their monthly service and it wont even allow me to dispute it. It shows bankruptcy and dismissed. I cant get credit cards because of this, the last two cars I bought were at 26 % interest. I have been denied from several banks and forced to open secured credit cards. It is not fair that they will not delete it. I sent XX/XX/XXXX the information and they took it off. All finance companies use Experian and if they are the only ones that controls what is in your credit file then they should take the power a lot more serious, cause they are ruining lives. I have paid thousands in interest and will never get ahead. I can't afford to let this go on any longer its going on 5 years that I have been penalized for it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 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: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 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: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
I recently checked my credit report and noticed that Wakefield & Associates have placed SEVERAL collections on my credit profiles in the amounts of {$1100.00}, {$1100.00}, {$1600.00}, {$1100.00}, {$660.00}, and {$1300.00}. They claim that I owe these amounts to XXXX XXXX XXXX. I have never been to that medical facility in my life as I've not been to a doctor in a few years. I don't owe anything and this debt is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 
Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 
Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 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:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By pu
blishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 
Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 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: Komyatte & Casbon, P.C.
State: IN

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my report. It has been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 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: TOYOTA MOTOR CREDIT CORPORATION
State: IN

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my report. It has been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: TN

Complaint narrative:
Franklin Collection has placed a collection on my credit profiles claiming that I owe {$140.00} to the XXXX XXXX XXXX. I have never been to that medical facility in my life and I'm not familiar with it at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC
State: TN

Complaint narrative:
Capital Accounts LLC has placed a collection on my credit profiles claiming that I owe {$260.00} to XXXX XXXX XXXX. I've never been to that facility as I DONT HAVE ANY PETS!!!!! It's ridiculous.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have contacted the credit bureaus regarding reporting bankruptcies on my report. I have contacted BK court and Pacer and was advised that they do not verify BK information. I have disputed this with all three reporting agencies and they have refused to remove these reporting 's on my report. They are reporting fraudulently as there is no verification for any BK information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have contacted the credit bureaus regarding reporting bankruptcies on my report. I have contacted XX/XX/XXXX and XX/XX/XXXX and was advised that they do not verify XX/XX/XXXX information. I have disputed this with all three reporting agencies and they have refused to remove these reporting 's on my report. They are reporting fraudulently as there is no verification for any XXXX information.

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