vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-15 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: GA

Complaint narrative:
On XXXX, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 56 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate this items within 30 days gives a reason to immediately remove those items from my credit report it has been over 56 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XXXX, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 56 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate this items within 30 days gives a reason to immediately remove those items from my credit report it has been over 56 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2021-12-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: CO

Complaint narrative:
Recently I switched banks and notified the creditor of the new bank account, and requested that my autopay be updated to withdraw from the new account. Instead of updating autopay, they cancelled it altogether. After this, they also made it extremely difficult to log back into the payment portal ; even using my valid username and password, they required me to input a one-time passcode, but never sent the passcode despite several attempts from me to retrieve it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: J. Ritter Law P.C.
State: FL

Complaint narrative:
I have been receiving calls and letters from a J Ritter law firm saying I owe a {$370.00} debt to XXXX XXXX University XXXXXXXX XXXX from 2017. I know nothing of this alleged debt and have received no notice of this from the school or bookstore or anyone else until now. I called the school and they informed me I have no pending balance and I would not have gotten my diploma or been allowed to graduate with an outstanding balance. The law firm was very confusing telling me that nobody was ever required to notify me of this and that they dont even know if the debt is valid but would get back to me. Im not sure if this is some sort of scam or scheme to get money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Atlantic Recovery Solutions LLC
State: TX

Complaint narrative:
On XX/XX/2021, I received a robocall from XXXX ( voicemail saved ) stating that the company calling has " important document with your name and social security number attached ''. The call back number XXXX, when searched on the internet, gave no credible business information. Additional calls from the number happened throughout XXXX, XXXX, and XXXX. On XX/XX/2021, the caller identified themselves as ARS. A letter was sent to ARS XXXX XXXX XXXX XXXX, XXXX, CA XXXX. ARS responded that it was not them calling. Additional calls from XXXX were received ( voicemails saved ). All were robocalls. In total, I received 11 robocalls. Finally, it was determined that ARS was Atlantic Recovery Solutions ( XXXX XXXX XXXX # XXXX, XXXX, NY XXXX ). A certified letter was sent to Atlantic Recovery Solutions ( XXXX signed return receipt ). No response was received from Atlantic Recovery Solutions. 

On XX/XX/2021, Atlantic Recovery Solutions, called ( voicemail saved ) via robocall stating " This message is intended for XXXX. I am calling with the offices of ARS regarding a legal required notice that needs your immediate attention. Please call XXXX or press one to speak to a live representative. 

The company is not identifying themselves as a collection agency ; the company is using robocalling technology ; the company has repeatedly failed to correctly identify themselves and failed to respond to legally required requests.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This account has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company for {$5100.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-15 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: PA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2020, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX ( Original Creditor : XXXX XXXX XXXX OF XXXX XXXX ) XXXX {$330.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: NY

Complaint narrative:
I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This account has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company {$2100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 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: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I am filing this Complaint for incorrect and misleading 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 non-monetary relief
Consumer complaint received 2021-12-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
I have been regularly making payments on my loan and receiving confirmation emails about each payment, showing they were completed. I go to buy a house and show I have a late payment on my credit and it hurt my credit for almost XXXX points ( XXXX down to XXXX XXXX XXXX ). The company tells me they have been trying to reach me and I am in collections, which is surprise to me considering I have record of every payment made. 

I made sure the loan is paid in full, sent a full description of the issue to the company of the misunderstanding asking them to clear this from my credit, which they declined to do. 

I then disputed with the credit bureaus, which have all ran reports saying the report is accurate. I am still paying regularly on this loan, but want to get this cleared as it shows up for every business loan, line of credit, refinance, etc. that I attempt to do. 

Attached is the original dispute I sent to the company, as well as the attempt to dispute with the credit bureaus.

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 2021-12-15 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: BARCLAYS BANK DELAWARE
State: WI

Complaint narrative:
A Credit Report showed that I was a Joint Account Responsibility on a Barclays Bank of Delaware. The card was opened on XX/XX/XXXX. ( With No Activity ). The card was activated and a charge of {$15000.00} was charged in XX/XX/XXXX. The card has a {$18000.00} credit limit that some how I am listed as joint account responsibilities. I have no knowledge of this card and Barclays Bank will Not cancel or remove my name from the card. I am Not the Primary card holder. Someone is using without my knowledge of the card and making current monthly payments. They refuse to give me information on the Primary or cancel the card. How do I cancel or remove my name? Barclays Bank of Delaware is refusing to help me in any way. I am furious that I am listed on this Flexible Spending credit card with such a high limit ( {$18000.00} plus ) that I have zero knowledge of, but am responsible for as a joint account responsibility. A change of {$15000.00} was made XX/XX/XXXX. Again I have No Knowledge of this card. Please advise how I can resolve this situation. Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
My issue is with my XXXX XXXX credit card through Barclay 's Bank. About 5 years ago I was on an XXXX XXXX flight and applied for this card because the XXXX attendant who was promoting it during flight assured me repeatedly that the XXXX miles I would be credited with upon obtaining and using the card would never expire. I continued to pay the $ XXXX annual fee for the card for years ( but not otherwise using it ) solely to preserve my mileage until I discovered my XXXX miles in my mileage plan had been deleted. I contacted both the airlines and Barclay 's and was told the miles had in fact expired - that I was given incorrect information. I contacted Barclay 's phone center on XX/XX/XXXX and spoke with " XXXX, '' explaining the issue, stating I wanted to close my account, and asking that it be closed retroactively to XX/XX/XXXX. The only balance on my account was {$99.00}, the annual fee, and it was now showing up as delinquent since it was due by the end of XXXX XXXX assured me this would be done and that I would receive an email confirmation within 24 hours. On XX/XX/XXXX ( today ) I emailed Barclay 's because I had not received any confirmation and in checking my online account, while closed, showed a delinquent balance of {$99.00}. Twice I emailed asking them to correct this and twice I received a boiler plate response about the closure.

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 2021-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
At the end of XX/XX/2021, I sent a letter to TransUnion asking them to update my phone number in the fraud alert they have on my credit file. Its causing issues whenever I try to apply for credit, being that companies cant verify who I am whenever they run my report through TransUnion, due to an old phone number being on file. I followed every step that a representative I spoke with told me to follow, in order to get my phone number updated by mail, including sending in 3 copies of proof of identity, along with my request. I receive a letter on XX/XX/2021, stating that I needed to send in the exact same information that I already sent in, in order to receive a copy of my credit report, when a credit report is not what I requested. The letter stated that the address that I provided is not listed in their records, yet its the same address that Ive lived at for four years, the same address that Ive received correspondence at, from them in the past, the same address that is on old copies of TransUnion credit reports that I received. Its evident that someone isnt doing their job. I called today on XX/XX/2021 to speak with a representative, they acted incompetent ( just like the letter they sent ), as if they didnt understand what I was asking. The representative then tells me that I can update everything online, which is a farce. There are many online complaints and reviews from customers stating how they get an error message whenever they try to update information through the online portal TransUnion claims to have, Im included in that experience. This is the reason why I was told to mail in the appropriate information to update my phone number. When I tried to fix it over the phone, the representative told me that they couldnt get any verifiable information to come up so that I can get verified. Its one thing after the other with this company. I follow instructions to get my phone number change, and in turn, I get an alert request form and a letter sent to me to update my addressrequesting the same proof of identity documents I already sent in. Therefore, Im also wondering where are the documents I sent in? This is very unprofessional and needs to be addressed. Its also complicating things whenever I apply for credit. Please hold TransUnion accountable for these actions.

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 2021-12-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I HAVE BEEN A VICTIM OF IDENTITY THEFT IN WHICH BANK OF AMERICA CALLED ME TO INFORMED ME THAT MY ACCOUNT HAD BEEN COMPROMISED AND BANK OF AMERICA WOULD BE ISSUING A NEW DEBIT CARD TO MY ADDRESS. 

I HAD TO QUARANTINE TO QUARTERS BECAUSE OF COVID 19 I HAVE ALSO BEEN INFORMED THAT I AM A VICTIM IN THE XXXX DATA BREACH I WAS FINALLY ABLE TO GET THROUGH TO BANK OF AMERICA WHERE BOFA INSTRUCTED ME TO FILE A CLAIM, IN WHICH MY FIRST CLAIM WAS FILED ON CLAIM ONE FOR {$5300.00} # XXXX XX/XX/2021 WAS APPROVED BY BANK OF AMERICA BACK OFFICE WHERE I WAS NOT LIABLE AND NO SUPPORTING DOCUMENTAION WAS NEEDED. MY OUTSTANDING BALANCE HAD NOT BEEN PLACED ON MY CARD WHERE I WAITED FOR ABOUT A MONTH UNTIL I WAS INFORMED A SECOND CLAIM WOULD NEED TO BE FILED AND I WOULD NOT NEED TO WORRY, IN WHICH CLAIM TWO {$19000.00} RE-OPENED # XXXX. XX/XX/2021 WHERE SUPPORTING DOCUMENTATION WOULD BE NEEDED NEEDLESS TO SAY, I SENT ALL DOCUMENTATION IN WHICH I HAVE ABOUT TEN SUPERVISORS VERIFY THAT SUPPORT DOCUMENTS HAD BEEN RECEIVED AND THAT THIS SECOND CLAIM IS PART OF THE ORIGINAL FIRST CLAIM. 
BANK OF AMERICA BACK OFFICE NOW STATES I AM BEING DENIED BECAUSE OF NO SUPPORT DOCUMENTS, BUT YET, I WAS JUST APPROVED BY BANK OF AMERICA BACK OFFICE WHICH CLEARLY PRESENTS A MAJOR CONTRADICTION I AM NOW BEING EVICTED FROM MY HOME BEFORE XXXX BECAUSE BANK OF AMERICA BACK OFFICE MY ONLY REQUEST IS TO PLEASE RELEASE MY FUNDS BECAUSE IVE PROVEN BY THE BOFA BACK OFFICE I AM A VICTIM. THIS EXPERIENCE HAS TAKEN A TOLL ON ME AND I ASK FOR YOUR 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 monetary relief
Consumer complaint received 2021-12-15 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN HONDA FINANCE CORP
State: TX

Complaint narrative:
Pursuant to 15 USC 1692g American Honda Finance Corporation d/b/a Honda Financial Services is to provide me a written notice with the following information - ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. Because I, the consumer, never received such written notice from American Honda Finance Corporation d/b/a Honda Financial Services, on XX/XX/2021, I sent a request for Validation of Debt for the account via USPS Certified Mail, return receipt requested, pursuant to 15 USC 1692g, because I believe the debt is an alleged obligation and disputed its validity. American Honda Finance Corporation d/b/a Honda Financial Services is in receipt of this document as verified by USPS return receipt. As of XX/XX/2021, over 30 calendar days since the date of the Validation of Debt letter, American Honda Finance Corporation d/b/a Honda Financial Services has not responded in regard to the Validation of Debt letter nor have they provided proper validation of the alleged debt. This is an individual act against 15 USC 1692g. Due to American Honda Finance Corporation d/b/a Honda Financial Services lack of response XXXX the alleged debt is not validated

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Personal information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
The company does not want to solve my complaint after disputing over and over again as they provide no proof.

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 2021-12-15 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: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I am filing this Complaint for inaccurate and misleading 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 2021-12-15 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I am filing this Complaint for inaccurate and misleading information. I have attached my Documents below.

Company response to consumer: Closed with explanation