vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
XX/XX/19 - received notification from XXXX XXXX that a hard inquiry was made on my credit report from Bank of America. I am a victim of identity theft, so I know this is a fraudulent attempt to open a card in my name. 

XX/XX/19 - call Bank of America XXXX to cancel the fraudulent application and remove the hard inquiry from my credit report but the only thing they can tell me is that I have no active account, which is true, but that has nothing to do with my request, which is to CANCEL THE APPLICATION. 

XX/XX/19 - call Bank of American again, but once again, they are only able to tell me I have no active account. There is no way to cancel the application itself or remove the hard inquiry, even though I have been able to do this with fraudulent applications opened at XXXX and XXXX XXXX. 

Would like to cancel the application ASAP and remove the hard inquiry from my credit 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 2019-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: NY

Complaint narrative:
Jefferson Capital System located at XXXX XXXX XXXX at XXXX XXXX started a collection/derogatory remarks without sending an appropriate validation letter and allowing my lawful rights of 30 days to dispute the debt. I disputed the account with XXXX  whom removed the account within 48 hours, but XXXX XXXX is still conducting an investigation. This has caused a 34 point decrease to my credit score because the collector is unethical and believes they do not have to validate a debt

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MA

Complaint narrative:
On XX/XX/2019 an automatic payment was scheduled to be debited from my XXXX XXXX   account, by Infiniti Financial Services. My Bank shows that no such debit was ever attempted. 

On XX/XX/2019 Infiniti reversed the payment and mailed me a letter which stated that the bank asserted " No Account Found ''. 
However, this account was used for previous payments without any issue. 

On XXXX XXXX I was notified that there was a problem with the payment by Infiniti and at the suggestion of Infiniti used an alternate account to make the payment. I was out of the country until the XXXX and was unaware of the problem. Infiniti credited my payment on the XXXX of XXXX which was 31 days past my due date. 
I discovered that Infiniti reported me to the credit bureau ( s ) as being 30 days late. I contacted Infiniti and received the assurance that if I provided them with bank documentation showing that the account had adequate funds to pay the debit on the XXXX of XXXX, they would remove the 30 day status. 
XXXX investigated the matter at my request and wrote a letter which showed that the account was in place with adequate funds but that they never received a debit request. 

Despite meeting the requirement to demonstrate that the error was not mine, Infiniti has steadfastly refused to correct the reporting. 

I have spoken to numerous managers and sent letters demanding that this matter be corrected. They continue to refuse. They do acknowledge that my account was in good standing at XXXX   with adequate funds but state that since it was not there fault they can continue to report my account as past 30.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
In XXXX I paid off a loan to XXXX personal loans for over XXXX. It has not been reflected in my credit reports. I called TransUnion and complained. I have called XXXX and they have now sent the info to the credit companies on three separate occasions. While trying to secure a mortgage on a house this is noteworthy because it appears I have more encumbrances than I do. It warrants a legal dispute at this point.

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 2019-12-18 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: DISCOVER BANK
State: AL

Complaint narrative:
There is an account from Discover credit cards reporting on my account that I never applied for and thus must have been opened fraudulently. 

It is said to have been opened on XX/XX/2014 with a balance of {$3500.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal 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 2019-12-18 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: AL

Complaint narrative:
There is an account from XXXX credit cards reporting on my account that I never applied for and thus must have been opened fraudulently. 

It is said to have been opened on XX/XX/2014 with a balance of {$3500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 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: AL

Complaint narrative:
There is an account from XXXX credit cards reporting on my account that I never applied for and thus must have been opened fraudulently. 

It is said to have been opened on XX/XX/2014 with a balance of {$3500.00}

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 2019-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: EXPERT GLOBAL SOLUTIONS, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX sold my loan to SST and I was not aware. Once the company sold the loan, the new company, SST, has been messing up the payments and trashing my credit. I have had perfect payments on this loan for two years and now I am late and charged hefty late fees for the company not drafting the money and not processing the paperwork that is needed in a timely manner. the very first call I received from SST was letting me know that I was {$430.00} dollar delinquent but the partial payment had just been taken out on the XXXX which was only 3 days before. Since then, my auto drafts have not been coming out and I am now late again on the payment when it should have been an auto payment. Now, due to their error I am needed to pay a month and a half payment to catch up the account due to their mess up.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
I used XXXX credit card to make some purchases with promotional offer which ended last month. They created an end date that is different that due date ( lets say the statement end date is XXXX of the month and the promotion end date is XXXX and due date is XXXX of next month ) and they charged me 25 % interest ( XXXX $ ) for not paying XXXX $ on my account which was part of promotional offer. They wrote a small line under the statement that tells me to pay this amount 3 days after my statement end date which I did not even realize because the statement was just closed! Who would even think that there would a totally different due date other than the regular due date you pay your card. I paid my balance on time for 1 year and half and they charged me XXXX $ for not paying XXXX $ which they unfairly due dated. Now they refuse to remove XXXX $ of interest charge. This is not fair and I am sure many people fall for this. I wish there was a way to make them pay for their shady practice!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
On XX/XX/2019 an automatic payment was scheduled to be debited from my XXXX XXXX   account, by XXXX XXXX XXXX. My Bank shows that no such debit was ever attempted. 

On XX/XX/2019 XXXX reversed the payment and mailed me a letter which stated that the bank asserted " No Account Found ''. 
However, this account was used for previous payments without any issue. 

On XXXX XXXX I was notified that there was a problem with the payment by XXXX and at the suggestion of XXXX used an alternate account to make the payment. I was out of the country until the XXXX and was unaware of the problem. XXXX credited my payment on the XXXX of XXXX which was 31 days past my due date. 
I discovered that XXXX reported me to the credit bureau ( s ) as being 30 days late. I contacted XXXX and received the assurance that if I provided them with bank documentation showing that the account had adequate funds to pay the debit on the XXXX of XXXX, they would remove the 30 day status. 
XXXX investigated the matter at my request and wrote a letter which showed that the account was in place with adequate funds but that they never received a debit request. 

Despite meeting the requirement to demonstrate that the error was not mine, XXXX has steadfastly refused to correct the reporting. 

I have spoken to numerous managers and sent letters demanding that this matter be corrected. They continue to refuse. They do acknowledge that my account was in good standing at citizens with adequate funds but state that since it was not there fault they can continue to report my account as past 30.

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 2019-12-18 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:
On XX/XX/2019 an automatic payment was scheduled to be debited from my XXXX XXXX   account, by XXXX XXXX XXXX. My Bank shows that no such debit was ever attempted. 

On XX/XX/2019 XXXX reversed the payment and mailed me a letter which stated that the bank asserted " No Account Found ''. 
However, this account was used for previous payments without any issue. 

On XXXX XXXX I was notified that there was a problem with the payment by XXXX and at the suggestion of XXXX used an alternate account to make the payment. I was out of the country until the XXXX and was unaware of the problem. XXXX credited my payment on the XXXX of XXXX which was 31 days past my due date. 
I discovered that XXXX reported me to the credit bureau ( s ) as being 30 days late. I contacted XXXX and received the assurance that if I provided them with bank documentation showing that the account had adequate funds to pay the debit on the XXXX of XXXX, they would remove the 30 day status. 
XXXX investigated the matter at my request and wrote a letter which showed that the account was in place with adequate funds but that they never received a debit request. 

Despite meeting the requirement to demonstrate that the error was not mine, XXXX has steadfastly refused to correct the reporting. 

I have spoken to numerous managers and sent letters demanding that this matter be corrected. They continue to refuse. They do acknowledge that my account was in good standing at citizens with adequate funds but state that since it was not there fault they can continue to report my account as past 30.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 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:
On XX/XX/2019 an automatic payment was scheduled to be debited from my XXXX XXXX   account, by XXXX XXXX XXXX. My Bank shows that no such debit was ever attempted. 

On XX/XX/2019 XXXX reversed the payment and mailed me a letter which stated that the bank asserted " No Account Found ''. 
However, this account was used for previous payments without any issue. 

On XXXX XXXX I was notified that there was a problem with the payment by XXXX and at the suggestion of XXXX used an alternate account to make the payment. I was out of the country until the XXXX and was unaware of the problem. XXXX credited my payment on the XXXX of XXXX which was 31 days past my due date. 
I discovered that XXXX reported me to the credit bureau ( s ) as being 30 days late. I contacted XXXX and received the assurance that if I provided them with bank documentation showing that the account had adequate funds to pay the debit on the XXXX of XXXX, they would remove the 30 day status. 
XXXX investigated the matter at my request and wrote a letter which showed that the account was in place with adequate funds but that they never received a debit request. 

Despite meeting the requirement to demonstrate that the error was not mine, XXXX has steadfastly refused to correct the reporting. 

I have spoken to numerous managers and sent letters demanding that this matter be corrected. They continue to refuse. They do acknowledge that my account was in good standing at XXXX   with adequate funds but state that since it was not there fault they can continue to report my account as past 30.

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 2019-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
In XXXX of XXXX, I placed a complaint : Complaint Number XXXX. Experian Credit reported a residential address to my Auto Insurance company XXXX XXXX. The residential address was incorrect. I spent the rest of XXXX trying to get this corrected and reported to my Insurance company. XXXX XXXX uses Experian credit to obtain reports that are used to make financial decisions. I have spoken with the company and I have faxed the company. I am not able to access Experian 's website and obtain a current Credit Report. 
Experian has cost me {$1000.00} to date. 
I am seeking a resolution that requires Experian to notify XXXX XXXX  of my residential address which is XXXX XXXX XXXX, XXXX, MS XXXX. I have lived here for over three years.

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 2019-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS

Complaint narrative:
On XXXX I was scheduled to receive services from XXXX  XXXX   by XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, MS XXXX. The merchant was unavailable and charged my checking account for {$50.00} ; I did not receive any services. The merchant has not responded to multiple attempts to recover fee via email and phone calls.

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 2019-12-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.

Complaint narrative:
Coinbase transfer to a FRAUD SCAM Brokers : XXXX I would like to bring your attention to a serious issue I have with Coinbase wires that first took place on the XXXX of XX/XX/2019. 
I have been victimized by a multilayered scam operation orchestrated by XXXX - the Company. 
The funds were transferred utilizing Coinbase 's services in the total amount of XXXX GBP! 
I would also like to point out that on XXXX of XX/XX/2019 - I filed a dispute with Coinbase.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified with an original consumer contract or removed immediately. 

ATTORNEY GENERAL XXXX XXXX # XXXX ATTORNEY GENERAL XXXX XXXX # XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: FIRST MIDWEST BANCORP, INC.
State: IL

Complaint narrative:
First Midwest Bank at XXXX XXXX XXXX, XXXX, Illinois, is discriminating against me for being a XXXX  XXXX  XXXX. They would not allow me to cash {$100.00} of my {$400.00} XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  check # XXXX issued by the U.S. Treasury on XX/XX/2019, in their bank lobby. I needed {$100.00} so I could continue to pay for my {$30.00} XXXX bus passes through the winter months when my mobility afoot will be restricted, but the Teller only allowed me to withdraw {$80.00} in defiance of the Check Clearing For The 21st Century Act. To add insult to injury, they then assessed my third - {$36.00} Overdraft Fee to date since the inception of my account on XX/XX/2019, against my First Midwest Bank Easy Checking account. This time, they assessed the - {$36.00} Overdraft Fee against my {$41.00} check # XXXX to XXXX XXXX that I had to pay as a mattter of necessity for my cold 64 degree Fahrenheit apartment. However, for all tense and purposes, I should have never been assessed a - {$36.00} Overdraft Fee as according to their own records at XXXX XXXX XXXX I had a {$380.00} Balance at the time the - {$36.00} Overdraft Fee posted on XX/XX/2019. Under the Expedited Funds Availability Act, the bank Teller should have had a fidcuiary duty to advise me that I was Overdrawn on XX/XX/2019, ( if this was indeed the case ) for at which time i would have been glad to return on foot on XX/XX/2019, once the {$400.00} check cleared as the streets were still free of hazardous ice and snow at the time ( which isn't the case now ). I have never endured so frequentt of Overdraft Fees in such a short succession of time in my life so I feel that First Midwest Bank is Redlining me for being perceived as an inferior XXXX  minority. I will be switching banks soon, but wanted to report this matter in case an investigation needs to be launched in order to protect more vulnerable customers at Frist Midwest Bank from such predatoy conduct. 
Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
In or around XX/XX/2019, I found out that American Express has been reporting to the credit bureaus that I owe them money for credit card uses. I did not do any business with American Express. I sent them letters explaining that I was a victim of identity theft and the debt they alleged is a result of that theft. I sent the same letters to the three credit bureaus to investigate. The three credit bureaus conducted their investigations and found the debt was a result of identity theft and proceeded in accordance with their policies and the law. As for American Express, they requested that I submit among other things, an affidavit and police report in order for them to close their file. In compliance with their request, I submitted exactly what they requested. Instead of complying with the law on identity theft and close their file, they have engaged in very aggressive and unlawful tactics of harassment. They continue to make threats and demands for payment with ultimatum.

Company response to consumer: Closed with non-monetary relief