vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-28 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: GA

Complaint narrative:
I open account with XXXX and then I read there fees and interest rate. I closed the account immediately and I never use or activated the card. Then they said me emai saying I owe then {$99.00} fee. They told me they were going to take the fee off and never did. I told them I would see them in court. This wrong charging fees for no reason. Now it showed up on my credit report. I would like this to be removed 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 non-monetary relief
Consumer complaint received 2022-01-28 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX placed a fraud alert on my credit report without documentation. XXXX is now requiring that I send a copy of my personal protected information in order to have the fraud alert removed. To date, XXXX does not nor have they ever had an official copy of my driver 's license or social security card yet they have been reporting my credit history for over 30 years. I find that XXXX is using the fraud alert as an attempt to gain access to my personal protected information to have on file for their use when I may submit a dispute against a creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: World Acceptance Corporation
State: GA

Complaint narrative:
I have a loan with World Finance, located in XXXX, Ga, I stop making the pymts due to a issue that came up and I thought my only option was to file a XXXX  XXXX, consulted XXXX and XXXX and was actually working with them to file this XXXX  XXXX and one of the things you have to do is take a online line class that discusses budget, making arrangements and possibly settling account with creditor, so after my last conversation with XXXX and XXXX  I advised them that I would like to speak with my creditor to see if I can work anything out with them, I spoke to all my creditors and have work out payment plans, I contracted World Finance on XX/XX/22, spoke to the branch manager XXXX XXXX XXXX and advised her that I am in a position to pay them and I would like to resume making my payments on XX/XX/22, she stated she couldn't do that since I had renewed my loan with her company and no payments had been made since the renewal, advised her ok and I guess I will see her in court, prior to me not being able to pay I paid this loan on time and was never 30 days past due, I would like to be given the opportunity to pay this loan All call made in my office are recorded because i work for a finance company and XXXX XXXX is aware of this, please advise

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 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: GA

Complaint narrative:
Experian is reporting incorrect information on my credit report in reference to an account with the nameXX/XX/XXXX account number XXXX XXXX I settled the debt in full with the collection agency, and the removed the debt from my credit, but the original creditor still remains on the account even though the no longer hold the debt and sold it off to the creditor, whom I paid in full. This is a violation of my Fair Credit reporting rights, because they original creditor XXXX XXXX XXXX XXXX off this debt on their taxes, and made money on selling the debt to the collection agency, and they are still reporting it on my credit as if I owe them, which is hurting my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 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: MO

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 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: MO

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
The company listed below closed my account, I did not request this account to be closed. There has been a mis understanding and I, The consumer am requesting for my account to be re opened asap Account Name XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
This complaint is for the timeshare company XXXX. I've previously disputed account XXXX XXXX and was deleted from my credit reports from all 3 credit bureaus ( XXXX, XXXX & XXXX ) . However, a new item appeared in my credit report with the same account number XXXX but under a different account name " CCB/XXXX  '' and is reporting negative under XXXX only XXXX This is the same account from CCB which stands for " Comenity XXXX XXXX ''. I did not authorize anyone to use my information or to be given to a third party. This is an unauthorized and fraudulent account which was opened without my consent as I never gave permission for this to be opened under my name. I did not agree to any membership, loan or credit card. My personal info had been used to process transactions and open an account under my name without my knowledge. I never gave authority to open such account. It is not authorized and I have never given permission for it to open and charged. This inaccurate account is being reported in my credit records again and is hurting my financial stability. I have disputed this and was deleted but they've added it again. I'm experiencing financial difficulties caused by this timeshare, plus my credit score is going down due to this as well. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-28 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: AL

Complaint narrative:
The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
My wife XXXX XXXX opened up a new American Express XXXX airline credit card. She received an offer to make a referral and get XXXX points. It said if your friend is approved they will receive XXXX XXXX XXXX and you will receive XXXX XXXX sky miles. My wife sent me a referral and I applied for the card as well. We plan to get back into traveling and wanted to have an airline card in addition to our XXXX American Express card. I was approved in XX/XX/2021. My wife also received the referral bonus miles in XXXX. I adhered to the required spend to get the XXXX miles but I have not received the miles. We have contacted American Express and they said I was not approved for the offer. I never received any correspondence indicating I would not receive the welcome offer bonus of XXXX miles or I would not have went forward with opening up the credit card. I have the email indicating I was approved and there was no communication regarding not being eligible for the welcome offer nor was there any further correspondence regarding this either. I have contacted American Express they opened up a case and indicated that has been escalated to management ( reference XXXX XXXX XXXXXXXX ) but it may take 30 days or more to resolve. I shouldve received these miles months ago and we were planning some upcoming travel and were hoping to use the miles. We are very loyal American Express customers with outstanding credit scores. this has been a very disappointing experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: MD

Complaint narrative:
When you build a home from the ground up in the State of Maryland there are two ( 2 ) sets of taxes you pay at closing. Land Tax and Dwelling Tax. Because the Dwelling Tax bills are never ready at closing, the mortgage companies often estimate how much your Dwelling Tax Bill will be and put that in your closing costs. For us, they estimated {$3900.00}. The Settlement Company holds onto that monies for up to 45 days after closing waiting on the Dwelling Tax Bill ( which they call a supplemental tax bill and which the state calls a Consolidated Tax Bill ). If by 45 days after close the bill isn't rec 'd the Settlement Company sends you the money back and advises you to hold on to the money for when the bill comes. We got the Dwelling Tax bill on XX/XX/XXXX. I submitted the bill and made an online escrow payment of {$3500.00} to AmeriHome and asked them to use the remainder of what was in my Escrow Account to pay for the tax bill which is a total of {$5500.00}. On XX/XX/XXXX, I put in a status inquiry and was told that I already paid the taxes at settlement. They confused the Land Tax with the Dwelling Tax. I submitted the bill again and told them to pay attention to the XX/XX/XXXX due date and that I wouldn't have a due date on a bill if it wasn't due. Additionally, I reminded them if it was a tax statement would say this is a statement accounting and not a bill. On XX/XX/XXXX, XXXX rec 'd a call from someone at AmeriHome telling me that my taxes were paid. On XX/XX/XXXX I rec 'd another bill from our county tax office stating the bill was not paid, the bill is now {$5600.00} and that the county is in the process of placing a lien on my home because AmeriHome has not paid the taxes. I contacted AmeriHome on XX/XX/XXXX and spoke with XXXX who indicated that on XX/XX/XXXX ( see the date changes ) AmeriHome sent a wire transfer to XXXX to pay my taxes via check. The tax bill rec 'd on XX/XX/XXXX states that AmeriHome only paid {$410.00}. I'm now delinquent and owe {$5900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
" Comenity XXXX '' online bank provides high yield saving account ( HYSA ) service. 

On XX/XX/XXXX, I opened a HYSA account, and transferred some fund from my XXXX XXXX checking account. 

On XX/XX/XXXX, I transferred another sum of money from my " XXXX XXXX '' online saving account into this HYSA account in Comenity. 

On XXXX, I purchased 6 I-bonds from TreasuryDirect.gov. 

On XX/XX/XXXX, 4 out of 6 above transactions were denied by Comenity. Then, my HYSA was locked by the Comenit XXXX online bank. Then, I called the BANK customer service many times about those issues : account locked, as well as transactions denied. The customer service agents did not solve any issues for me, just told me they could not do anything. 

On XX/XX/XXXX, a Product Support of the bank, named " XXXX '' sent me a message to my online banking account, as follows : " % % % % % % % % % % % % A review of your account revealed potential security concerns and/or irregular activity. The use of your account has been temporarily suspended pending the completion of our investigation. In order for us to consider removing the suspension from your account, please send us the following documentation within 14 days of the date of this letter. Please send us photocopies of three documents : 1. A government issued ID. You can choose Either your driver 's license ( front and back ) or your state-issued identification ( front and back ) or your passport ( photo page ) or your military identification ( front and back ) And ; 2. Your Social Security card ( front and back ) And ; 3. The most recent ( within 30 days ) bank statement showing ownership of the funding account. The following information must be visible : 1. Full name & address 2. At least the last 4 digits of the account number Please send this information to : Comenity XXXX XXXX XXXX  XXXX XXXX, MO XXXX % % % % % % % % % % % % % % " This message made me suspicious of this bank. Then I sought online reviews about Comenity BANK. Astonishingly, the reviews for Comenity Bank are very bad, as shown in ( XXXX XXXX XXXX  ). 

Many customers had bad experiences similar to me. The BANK just wants to hold money in the bank, not allowing customers to use or transfer money to somewhere else. I do not trust them to handle my identity information : copy of my driver license, and copy of my SSN card. My identities would be in danger should I give them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Choose according to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Choose according to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 non-monetary relief
Consumer complaint received 2022-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XX/XX/XXXX {$120.00}, XXXX XXXX XX/XX/XXXX {$51.00}, XXXX XXXX XX/XX/XXXX {$1700.00}. Inquiries : XXXX XXXX XX/XX/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 non-monetary relief