vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I had fraud on my account in 2016 and Bank of America claimed my account is overdrawn {$11000.00} but I dont understand how. Theyve sent me the banking statements for that time period, but it doesnt add up and this situation is hindering me opening any bank accounts with any other banks.

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 2020-04-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SC Opportunity Fund LLC
State: CA

Complaint narrative:
Ref. : XXXX XXXX # XXXX Property Address : XXXX XXXX XXXX XXXX, Upland, CA. XXXX Servicing Company : XXXX XXXX , XXXX. - Loan Number : XXXX Current Lender : The Loan Store, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA. XXXX Original Lender : Owning Corporation Address : XXXX XXXX XXXX XXXX Suite XXXX, XXXX, CA XXXX NMLS Unique Identifier # XXXX. 
XXXX XXXX Endorsement # XXXX Dear Sirs. Greetings, with reference to the above mentioned loan that was initiated and completed by " Owning Corporation '' on / about XX/XX/XXXX, I would like to direct your attention to multiple Violations & predatory Lending Practices by the Lender and its ' employees via making intentional errors, omissions and negligence in fulfilling its terms and conditions : 1. On / about XX/XX/XXXX, " The Loan Store '' purchased the loan from XXXX XXXX, with certain conditions and stipulations listed clearly on the Mortgage Note. 

2. On/ about XX/XX/XXXX, " XXXX XXXX XXXX. '' was assigned to service the loan on behalf of The Loan Store with the same conditions and stipulations listed clearly on the Mortgage Note. 

3. On/ about XX/XX/XXXX XXXX XXXX  XXXX returned our Monthly Payment check un-cashed with a note indicating that we can not write on the check monthly payment paid in full, paid in advance!!! 

4. On/ about XX/XX/XXXX we sent TWO additional checks to cover the monthly mortgage payments for {$1800.00} each, this time they cashed the checks!! Yet we are concerned that their predatory behavior might cause us a Credit Damage in the process. 

5. On/ about XX/XX/XXXX & XX/XX/XXXX, we contacted the company via mail and called them over the phone, and spoke to the Manager ( XXXX XXXX XXXX XXXX , IL location ). We requested that they provide us with the Original Mortgage Note ( they did ultimately ), which indicates clearly XXXX Late Fees might be assessed at any time, late payment or otherwise. 

6. Up to the date of this note ; XXXX XXXX XXXX Failed and Continued to Fail in correcting the Mortgage Statements accordingly, even though they provided the Mortgage Note that contradicts their own statements!!! 

7. So far, we received several statements, all of them reflects erroneous late fees amounts that might be imposed on the account ; that contradicts our Mortgage Note and our agreement ; in Violation of " Fair Debt Collection Practices Act '', and Fair Lending Practices. 

8. On/ about XX/XX/XXXX ; XXXX XXXX XXXX XXXX to us directly, indicating that they are only a Sub-services of the Mortgage Loan acting on the direction of the Lender, putting the blame, responsibility, and consequently all legal liabilities on the Lender The Loan Store, LLC .

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XX/XX/2020 a credit in the form of a payment was posted to my American Express credit card account in the amount of {$4000.00}. 

That same day I immediately called American Express to inquire about the payment and reported to them that I did not make the payment. They investigated the payment with me on the phone and indicated that they could not tell me who made it and that it was listed as anonymous. I specifically asked them regarding charging against that amount / credit, because I was concerned it would be reversed, and was told that there was no reason they could see to not go ahead and charge against it. 

The payment / credit stayed on my account and they allowed me to charge against it for over a month. Then, without any advance notice, warning or explanation, on XX/XX/2020, I noticed they had debited/charged my credit card the {$4000.00}. 

That same day I immediately called American Express to dispute the debit / reversal of the payment onto my card. They stated that it was still under investigation, needed to look into it further and would not remove the {$4000.00} charge from my card. They stated that my call with them on XX/XX/2020 was recorded and they would need to review that call before taking any action, but repeatedly suggested that I might be responsible for the charges against that {$4000.00}. 

This was not my error. I called upon noticing the payment to report it and was told to charge against it. This card normally has a limit of only {$2000.00}. I have always paid this card on time, usually early. I would have never charged the card for this amount had it not been for the credit/payment they posted and if they had not indicated that it was ok to do, while continuing to let the credit remain on my card for over a month with zero indication that they would revoke it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
5/3 BANK HAS BEEN OVERCHARING MY ACCOUNT FOR FRAUD AND HAPPENED ON CLOSED CARD. I HAVE BEEN SPEAKING WITH XXXX ABOUT IT FOR 5 DAYS AND SHE HAS NOT REPORTED FRAUD OR ASSISTED ON RETURNING MY MONEY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 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: GA

Complaint narrative:
To Experian Escalation Department : I have contacted the following companies reporting to my credit file and according to them, there has been no communication noted from Experian regarding these items. Out of an abundance of caution and in accordance with the Fair Credit Reporting Act I request the following : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] paragraph ( 6 ) ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I am CLEARLY requesting the Method of Verification used to contact these furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt ) ( Previous request not honored ). And as the following items can not be verified, please delete them from the credit file ( hoping that this is clear ). Your lack of meaningful response seems to be an obstructionist tactic : ACCOUNTS XXXX   XXXX XXXX not mine XXXX XXXX   XXXX not mine XXXX XXXX/XXXX XXXX not mine XXXX XXXX XXXX  XXXX not mine XXXX XXXX XXXX not mine COLLECTIONS XXXX XXXX XXXX XXXX not mine How is Experian able to verify these items when other agencies can not?

621. Administrative enforcement [ 15 U.S.C. 1681s ] ( a ) Enforcement by Federal Trade Commission.

( 2 ) Penalties ( A ) Knowing Violations. Except as otherwise provided by subtitle B of the Consumer Financial Protection Act of 2010, in the event of a knowing violation, which constitutes a pattern or practice of violations of this title, the Federal Trade Commission may commence a civil action to recover a civil penalty in a district court of the United States against any person that violates this title. In such action, such person shall be liable for a civil penalty of not more than {$2500.00} per violation. 

Identification already on file, please notice your internal Report Number. Please sent me a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block etc. on my file without my expressed permission.

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 2020-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
cant put a security freeze in my Credit File

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 2020-04-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 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: GA

Complaint narrative:
To TransUnion Escalation Department : I have contacted the following company reporting to my credit file and according to them, there has been no communication noted from TransUnion regarding these items. Out of an abundance of caution and in accordance with the Fair Credit Reporting Act I request the following : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] paragraph ( 6 ) ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I am CLEARLY requesting the Method of Verification used to contact these furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt : ACCOUNTS XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX  XXXX not mine XXXX/XXXX  XXXXXXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXXXXXX  not mine COLLECTIONS XXXX XXXX XXXX XXXX not mine Identification already on file. Please send me a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block etc. on my file without my expressed permission.

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 2020-04-21 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX/Department Of education and XXXX still reporting to my credit report as unpaid. These accounts were paid in full and reported as paid in full to all credit reporting agencies. I originally requested the original contract with my wet signature in exchange for the accounts to be paid in full. over the last year both companies have refused to provide the original contract thus refusing payment. A payment was made in full anyway XX/XX/2019 and reported as paid if full on my Experian, XXXX  and XXXX  credit report. ( see reports below ) There was also two recorded calls with Experian Manger and XXXX  Manger confirming all student loan accounts along with premier bkcrd and XXXX were also paid in full. ( see recording and reports below ) Experian, XXXX, XXXX, XXXX  and XXXX XXXX/Department of education started to report the accounts that showed paid in full closed XXXX and XX/XX/2019 as not paid with the full balance due. These accounts are fraudulent being reported and I was never notified that they have updated or made the change to report the full balance again. XXXX and XXXX XXXX has refused payment and never complied with my request even after payment was received and reported. 

Failure to notify me that these accounts will be added again with the full balance is a violation of my rights and I demand that my credit report show and reflect the payment that was made and not returned. 

There has been no response from XXXX and XXXX XXXX has only sent statements but my original contract as requested. The credit agencies recently received detailed packets which included flashdrives with the recorded confirmation from their managers that these accounts were paid in full and closed. 

The full packet that was sent to all credit agencies was too large to load but can be provided with request. 

ALL PACKETS AND DOCUMENTS SENT CERTIFIED

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 2020-04-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
On XX/XX/2020 I submitted a ltter to XXXX XXXX asking the following : XXXX XXXX XXXX/ XXXX XXXX Account # XXXX -What Name Does This Belong To? 
-What Social Security Number ( SSN ) is affiliated with this account? 
-What address do you have on record? 
-How have you certified for this to be accurate under the FCRA?

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 2020-04-21 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: CT

Complaint narrative:
On XX/XX/2020 I submitted a ltter to XXXX XXXX asking the following : XXXX XXXX XXXX/ XXXX / Account # XXXX -What Name Does This Belong To? 
-What Social Security Number ( SSN ) is affiliated with this account? 
-What address do you have on record? 
-How have you certified for this to be accurate under the FCRA?

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 2020-04-21 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: States Recovery Systems, Inc.
State: CA

Complaint narrative:
The original debt is from the City of XXXX and it was sent to collections company by the name of XXXX XXXX XXXX. the original bill is dated XX/XX/18. This is a bill that should be covered by XXXX XXXX as that was my insurance carrier at that time. the company refused to send the bill to XXXX so sent it to collections and it is now a ding on my credit report. I called XXXX a few times with the XXXX information and they refuse to send the bill to XXXX. I believe it is unlawful to bill a person covered by XXXX. I sent the City of XXXX and XXXX a copy of my insurance card and they refuse to process the billing. The amount is {$1900.00}. The bill from the City of XXXX has an address : States Recovery Systems, XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, CA XXXX XXXX Thank you for your help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 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: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
In 2017, BarclayCardUS reported a 30 day late that was not late. I disputed this through the CRA 's and it came back as resolved. 

Last month, during the Covid crisis I was late on my payment due to work related issues, but it was not 30 days late which it is reporting on all my reports. When I spoke to the company they indicated they are making no concessions related to Covid which is insane considering how impacted this country is.. Now these late payments, the only TWO negative marks on my credit score, are impacting the rest of my finances and causing other companies to lower my limits and change my interest rates. 

I would like BarclayCardUS to remove these late payment reports. If they are unwilling to do so, I would like BarclayCardUS to remove the entire tradeline from my report so I can continue with my potential home purchase. 

I have attached the XXXX  report which shows the Barclay account and the dispute resolution, and two printouts from bank statements showing the payments.

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 2020-04-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Kohls. Account # XXXX I became delinquent due to unforeseen circumstances. I called during COVID 19. Explained paid. During. Ha the off and asked for delinquent remarks to be removed. The delinquent remarks have not been removed. 
The charge off needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 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: GA

Complaint narrative:
To Whom It May Concern : As of my dispute, your agency is in outright violation of the FCRA. 
Specifically, the following : 1. Exceeding the 30-day requirement to respond 2. Willfully using delay tactics and not sending reports 3. Not responding at all Please see items in dispute below and immediately remove from my credit file ACCOUNTS XXXX XXXX XXXX not mine COLLECTIONS XXXX XXXX XXXX XXXXXXXX  not mine XXXXXXXX XXXX XXXX  XXXXXXXX not mine Identification already on file, no changes, please notice your internal notes, please notify me of what is suspicious about this request. Please send me a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block etc. on my file without my expressed permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: VA

Complaint narrative:
This company has been contacted in writing multiple times regarding a balance they claim is owed for {$600.00}. I have disputed this debt for {$600.00} through the credit bureau and in writing multiple times. This dates back to XXXX of 2019. This company has failed to provide me with any proof of the debt. I have given them authorization to speak with my friend who is helping me resolve my credit issues and they refuse to speak with her. She has left messages on XXXX XXXX 's direct line multiple times with no response. As of today, I asked my friend to call them and try to settle the debt to just make it go away although I still feel this is not valid. They refused to speak with her or take payment to resolve the issue. I feel that my rights as a consumer are being completely violated as they are not following the FDCPA or FCRA. No proof has ever been provided to me to show that I owe a valid debt. I am requesting immediate action to be taken against this company. They have had ample time to send proper documentation and they are refusing to even allow me to pay it. This is my 2nd CFPB complaint against Hunter Warfield since this dispute started in 2019. This has prevented me from being able to improve my credit rating and purchase a home for the last 6 months.

Company response to consumer: Closed with non-monetary relief