vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-14 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: IL

Complaint narrative:
To whom it may concern : I have contacted Experian several times concerning the accounts listed on my credit report for DEPT OF  EDUCATION/XXXX with the account numbers XXXX {$3800.00}, DEPT OF EDUCATION/XXXX with the account numbers XXXX {$6900.00}, DEPT OF EDUCATION/XXXX with the account numbers XXXX {$4400.00}, DEPT OF EDUCATION/XXXX with the account numbers XXXX, DEPT OF EDUCATION/XXXX  with the account numbers XXXX {$5200.00} I submitted this request previously on report number XXXX which these accounts were deleted. There are also several inquries that are listed that are not mine & I never applied for XXXX XXXX XXXX XXXX XX/XX/19, XXXX XXXX  XX/XX/19, XXXX XXXX XXXX XX/XX/19 and XXXX/XXXX XXXX XXXX XX/XX/19. All the above information should be deleted 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 2020-08-14 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: OR

Complaint narrative:
Ive contacted Experian to resolve a {$13.00} discrepancy on my credit report. They asked me to submit a dispute, which I did. They said they looked into my dispute and verified the debt with XXXX, however, when I call XXXX to pay the {$13.00} on the account that I paid in full back in 2014 XXXX says they have no account with my social security number or name and do not have any records regarding accounts from 2014 that have been closed. Since I am not able to verify this account, or pay the {$13.00}, how has Experian resolved my despite? The discrepancy remains on my credit report and is derogatory. When I attempted to file another dispute it was rejected. When I called Experian they gave me the number to your office.

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 2020-08-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
After I opened a credit card account with Bank of America, the company started sending me unsolicited and unencrypted email messages containing my personal information similar to the one that is attached. 

Bank of America has not provided any options for me to contact it regarding those unsolicited emails other than by telephone, which is for the reasons that I will not disclose here is not my preferred mode of communication. 

The only option for me to contact Bank of America in writing appears to be is the CFPB portal where I can be sure that the message will be delivered to the Bank. 

I understand that could have made an appointment with a Bank of America representative at a local Bank of America branch to discuss the issue, but I'd rather not to do that at the time of the public health situation that this country is experiencing now. 

I would like to request Bank of America not to send me unsolicited and irrelevant email messages and whenever it needs to send me the information related to the activity on my account via unsecured channels of communication, protect my private information by encrypting it. 

Thank you. 

P.S. Another issue that I had previously informed Bank of America about, but have not received any response on, is that the color scheme used by Bank of America on its credit card makes the credit card number hardly visible for certain class of consumers. The credit card is of dark red color similar to the one that is used on a Bank of America logo and the credit card number printed on the back of the card is printed in yellowish-greenish gray color. There is a class of people who will not able to see clearly the yellow-greenish gray on the dark red. It is unfortunate that in order for me to inform Bank of America of this sensitive issue I need to use the CFPB portal since there are not other effective means to deliver the message to the company.

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 2020-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XXXX XXXX I received a check from a company called XXXX XXXX XXXX to participate in a paid adverting program. The program was to pay me weekly to advertise their company on my car for 3 months. I was to receive the check ( in amount of {$1900.00} ),  deposit it, keep my portion of {$450.00}, and pay the remaining to the company that will was my car. On the day of XX/XX/2020 I called my bank BBVA COMPASS to speak with the fraud department to see if they can check to make sure the check is legit and not fraudulent. The employee I spoke with advised me they are not able to check but informed me that at the worst the check would be deducted back out my account it is not a legit check. He also informed me to contact the bank on the check ( XXXX XXXX XXXX ) to confirm funds and to give myself peace. On XX/XX/2020 I called XXXX XXXX XXXX ( listed on the check ), to confirm the check is not fraudulent and to make sure funds for the amount were available. The employee I spoke with confirmed that it was a legitimate check and the amount of funds in the account would cover the check. As the check continued to show as " pending '' in my account I stayed in contact with the XXXX company to keep them updated on the process. On XX/XX/XXXX, I received a return check for the check amount in addition to a {$15.00} return check fee. I received another return check on XX/XX/2020 for the check amount and additional {$15.00} return check fee again. On XX/XX/2020 I reached out to my bank BBVA again to ask fo clarity and was treated as to I was trying to deposit the check over and over. Which I was not, hint the reason of me calling. I was later transferred to the fraud department that treated me as if I did something wrong. My account with the check deposited in and my personal account I share with my husband was then froze and currently still is by BBVA Compass. That is why I asked both banks in the beginning was everything ok not fraudulent with the check. On XX/XX/2020 BBVA Compass deducted {$1800.00} out of my joint account I share with my husband ( which is not the account the check was deposited in ) and deduction {$170.00} out of the account the check WAS deposited in.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I applied for the Verizon Visa card, I have good credit XXXX XXXX the credit bureau that was used my score is XXXX, I have a 100 % pay history no delinquent accounts. I have had credit cards on my account over 3 years I have XXXX balances on all my cards, my inquiries 7 are for the cards I applied too which were all approved, I submitted my application for the Verizon Visa card thinking My credit is in great shape I also have had my Verizon account for over 6 years never late on payments which I have a credit line for {$5000.00} for Verizon phone products. I received a letter stating my application was denied they listed 4 reasons which none apply to me, they also said I had no mortgage information? I live in a apartment I have applied with synchrony bank in the past with XXXX @ old navy & they have never approved my applications I applied for the XXXX XXXX  the same time & was instantly approved.

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 2020-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Rocket Mortgage, LLC
State: MA

Complaint narrative:
Called Quicken Loans because they pulled my credit without consent. I contacted them to get more information. At first, they denied pulling our credit reports. Then they finally agreed to research the issue. After about three or four weeks, they called back and said I had given permission. That is absurd not the case. I have no interest in doing any additional business with Quicken Loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 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: U.S. BANCORP
State: VA

Complaint narrative:
Received an unsolicited debit Visa card from U.S. Bank ReliaCard. Until this showed up in my mailbox, I had never heard of this bank or this type of card. Upon receipt, I tried to contact the bank using the phone number on the literature. To possibly talk to someone, one has to provide too much personal info - DOB, social security number and the CC number. Since I do not know this business, I definitely would not give them my SSN. After XXXX this card, I learned it is a possible scam directed at retirees ( which I am ). One additional detail that made me concerned, was the incorrect middle initial on the card. I would like to make sure that my information is not being used illegally. Fortunately, I had placed a freeze on my credit through XXXX  with the 3 credit reporting companies. I checked my status and found no new activity, which reduces my stress somewhat. 

If this is a known scam using the ReliaCard which is a real card, why are we, the public not being informed? Hopefully, some government agency is looking into this.

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 2020-08-14 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
In XX/XX/2017, I filed for bankruptcy and my attorney tried to get Wells Fargo Mortgage to reaffirm my loan, but they refused. I have been making all of my mortgage payments to Wells Fargo Mortgage, on time since XX/XX/2017 up to today 's date XXXX XXXX. 
Wells Fargo Mortgage refuses to send this information to the three major credit bureaus and my account shows on the credit bureaus as being included in the bankruptcy as if it no longer exists and that I am no longer making my mortgage payments. This has a very adverse affect on my XXXX XXXX and makes it almost impossible for my score to improve which makes it very difficult for me to get fair interest rates on any loans and makes it almost impossible for me to be able to refinance my mortgage which has a interest rate of XXXX percent and Wells Fargo Mortgage, refuses to refinance or modify my existing loan to give me a better interest rate, so I feel that this is a deliberate attempt by Wells Fargo Mortgage to keep me locked into this unfair interest rate, since today 's interest rates are at a record low percentage.

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 2020-08-14 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: AR

Complaint narrative:
This is the first time I have encountered identity theft. I have no idea who could have done this to me. As pulled my report, I saw an outrageous amount of accounts under my name that are not mine. please delete these items from my report. XXXX XXXX {$590.00} XXXX XXXX  XXXX {$140.00} XXXX XXXX {$4200.00} XXXX XXXX {$180.00} XXXX XXXX XXXX {$76.00}

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 2020-08-14 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: AR

Complaint narrative:
This is the first time I have encountered identity theft. I have no idea who could have done this to me. As pulled my report, I saw an outrageous amount of accounts under my name that are not mine. please delete these items from my report. XXXX XXXX {$590.00} XXXX XXXX  XXXX {$140.00} XXXX  XXXX {$4200.00} XXXX XXXX {$180.00} XXXX XXXX XXXX {$76.00}

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 2020-08-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lake City Credit
State: TX

Complaint narrative:
I received a credit monitoring alert on XX/XX/XXXX saying a new collections account from XXXX XXXX XXXX with a balance of {$2600.00} was added to my credit report. I had no knowledge of who they were and never received any notices, so contacted them immediately by email through their company website demanding verification of the debt, and disputed the reporting with TransUnion. The next day I received an email with a letter saying an old debt from XXXX had been assigned to Lake City Credit, an affiliate of theirs, showing they charged me interest in the amount of {$1100.00} with a computer print out of a debt from XXXX allegedly received from XXXX. I continued to demand a copy of the actual contract but never received it in spite of repeated requests ( see attached copies of email exchanges XXXX. TransUnion removed the account after the 2nd dispute but they continue to misrepresent their reporting to Equifax, and have doubled the amount they allege I owe to {$3000.00} as of XX/XX/XXXX. Ive done everything I can to get them to stop to no avail, and they refuse to provide me with a copy of the original contract or other proof allowing them to charge such ridiculous interest on the debt they claim I owe. They continue to illegally charge interest retroactively from XXXX years ago on a debt from they didnt acquire until XX/XX/XXXX, thereby increasing the reported amount to more than double what they claim I owe! They also failed to accurately report the original date of the debt, as well as their third-party debt buyer status, although they continue to report an interest increase in the balance each month. THIS COMPANY IS ILLEGALLY AFFECTING CONSUMER CREDIT REPORTS BY INTENTIONALLY REPORTING INCORRECT AMOUNTS & INFORMATION! THEY SHOULD BE SUED AS THEIR ACTIONS HAVE NEGATIVELY IMPACTED MY CREDIT REPORTS FOR ALMOST 2 YEARS!!!

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 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: SUN LOAN COMPANY INC.
State: TX

Complaint narrative:
I made a recent payment on my loan to Sun Loan and today I get an alert that I am 30 days delinquent. My account status when reported was not delinquent. I am currently not over 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2020, I opened an account online with Citibank using the special promotion link on their website. The promotion stated that if I opened a new checking account with at least {$15000.00} and kept that minimum balance for 60 days, the account will be credited with a {$400.00} bonus within 90 days after the initial 60 day period. There was an additional {$100.00} bonus if I made a direct deposit into that account. 

After opening the account online, I promptly transferred the {$15000.00} to Citibank. I have never made any withdrawals from that account since then and did not make any direct deposit. However, it has been almost XXXX months, Citibank has not kept their end of the bargain and deposited the {$400.00} bonus into my account. 

After initially confirming through an online chat with a Citibank representative named XXXX on XXXX XXXX XX/XX/XXXX that my account would get the bonus by XX/XX/XXXX, Citibank is now reneging and claiming that my account was never opened using any promotional offer. They are asking me to provide proof which is sort of impossible since the account was opened online using their special link for the promotional offer which still exists today. 

I have spent the last month going back and forth with Citibank and they continue to give me the run around promising to research the issue and get back to me but the results are the same. 

Can you please help? Can you please help? If you need further documentation, please let me know. 

Thank you

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 2020-08-14 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
American Express : account ending in XXXX Due to my wife contracting the Corona virus my income was severly impacted for several months. I called my creditors including American express to ask for my payments to be waived during this time. American expressed agreed to waive 2 months of payments for the months XXXX and XX/XX/2020. As i promised I resumed payments in XX/XX/2020. I was informed that the payments i missed would be reported as missed on my credit file. 
I was told there would be no negative reporting to my account due to Covid-19 when i made the arrangements. 
It is illegal for American Express to report my account negatively as I did inform them of my situation with Covid-19 and resumed payments as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: OH

Complaint narrative:
I never received this bill to even pay it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EOS Holdings, Inc.
State: TN

Complaint narrative:
Debt collector never attempted communication with me and just put and old debt that was discharged in a bankruptcy on my credit report. Furthermore, the state of TN requires debt collectors to hold a valid TN collections license which this debt collector does not have

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Federal Credit Control, Inc.
State: OH

Complaint narrative:
Please provide Validation of Debt, Assignment of Debt, Method of Verification used. I will also send this request through the CFPB as I did not receive a notice in the mail to dispute this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC.
State: OH

Complaint narrative:
Notice for Proof of Claim for the following Account : WAKEFIELD & ASSOCIATES XXXXTo Whom it may Concern : This complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates the contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.

Company response to consumer: Closed with explanation