vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-23 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: Early Warning Services, LLC
State: CA

Complaint narrative:
I have an old credit card from XX/XX/XXXX which was paid in full yet is marked as a collection/charge off when it was not ever charged off or in collections. XXXX XXXX  XXXX XXXX has already stated the account was paid in full and was to be removed from my credit report in XX/XX/XXXX however the account is still reporting negatively. However on my XXXX report the account states it is to be removed from my report XX/XX/XXXX which XXXX did not agree to. 

Creditor ; XXXX XXXX  XXXX XXXX Account marked as Collection/Chargeoff Balance ; {$0.00} Contact ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 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: U.S. BANCORP
State: CA

Complaint narrative:
I have an old credit card from XX/XX/XXXX which was paid in full yet is marked as a collection/charge off when it was not ever charged off or in collections. S BANK XXXX XXXX has already stated the account was paid in full and was to be removed from my credit report in XX/XX/XXXX however the account is still reporting negatively. However on my XXXX report the account states it is to be removed from my report XX/XX/XXXX which USBANK did not agree to. 

Creditor ; US BANK XXXX XXXX Account marked as Collection/Chargeoff Balance ; {$0.00} Contact ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX MO 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 2021-09-23 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: DISCOVER BANK
State: IL

Complaint narrative:
I AM ( XXXX XXXX ) AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # XXXX : ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. Discover Financial Services violated 15 usc 1602 ( l ), 15 usc 1692j ( a ), 15 usc 6801 ( a ) ( 1 ), 18 U.S. Code 8

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MRS BPO, LLC
State: LA

Complaint narrative:
I received a letter from a company called MRS BPO LLC stating that they would obtain a judgement against me if I did not pay money to them for a collection account for XXXX within 30 days of a letter dated XX/XX/21 and postmarked XX/XX/21. 
1 ) Ive never had a credit account with XXXX and when I called the number listed I was on hold for 2 hours on three separate occasions. 
This is harassment and a bullying tactic and I want this to STOP!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I XXXX, XXXX have no contract / agreement with XXXX XXXX XXXX. They created this account with out my consent and this is identity theft. The Attached document clearly states the Original Creditor is CITIBANK , N.A . and I didn't agree to a contract with them either. I formed an agreement with Best Buy which was paid in full when I Indoresed the consumer Credit Contract which is an instrument pursuant 16 CFR 433.1. When I Indorsed the Instrument a purchase money loan was submitted and I the consumer should have received to handle this matter but I never did. Pursuant to 12 U.S.C. 24 Seventh clearly states banks can't hold Securities nor does it say anything about lending out credit anywhere In the whole code. Banks aren't allowed to lend credit and that has been ruled on many times by the Supreme Court. 

If XXXX XXXX XXXX can Produce a Valid contract between XXXX XXXX and XXXX XXXX XXXX stating I agreed to pay any alleged debt please prove your claim. If you can't prove your claim you don't have one. " When no guarantee is made, No guarantee is given. '' There is no obligation to fulfill any contract that an individual has been forced, coerced, threatened, or fraudulently made to enter/ take part in by any means. There must also be full disclosure of the obligations and effects within the contract unless the one receiving the benefit of the contract waives the right to full disclosure ( of their own free will ) Contract must have - Consideration - meeting of the minds- must not be of unsound mind - offer and acceptance

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 2021-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Io, Inc.
State: TX

Complaint narrative:
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that RECEIVABLES MANAGEMENT would verify the debt. So I took it upon myself to ask RECEIVABLES MANAGEMENT for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 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: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
I have requested an investigation on several accounts with XXXX, XXXX, an XXXX. The investigation took well over 30 days and this has caused me the consumer a deal of trouble that these accounts have been inaccurately reporting. I gave the credit reporting agencies 30 days to comply and they failed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 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:
Back on XX/XX/XXXX an unknown entity attempted to open a line of credit under my name. I contacted XXXX XXXX  regarding this matter immediately and averted an issue. However XXXX XXXX  was reflected on my credit report via XXXX and Experian as a hard inquiry. XXXX stated they would resolve the matter, but it takes them 5 days to submit and the reporting agency up to 90s to resolve. 

Flash forward several months and no resolution, I called XXXX back on XX/XX/XXXX and they stated someone on there team neglected to finish the submission, again it will take 5 days for them plus an additional 90 days. XXXX at XXXX provided me the following reference number XXXX, on XX/XX/XXXX I received a letter from XXXX stating they addressed it with the Credit reporting agencies and again it would take 5 days for them to address and the Reporting agencies another 90 days, Flash forward XX/XX/XXXX and the matter is still unresolved. I called XXXX and they stated its the Agencies fault, I called both Agencies and they state it's chases issue. 

Reality I could care less who is at fault I just want it fixed, a year has passed and neither the bank or the agencies have resolved a problem that I have to clean up and the unfortunate recipient of Fraud. I am fairly certain there are laws to protect people like me from activities of this nature, as well as the negligence of the bank and agencies. 

As stated a year has come and gone, and the agencies and the bank are pointing fingers at each other and making empty promises.

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 2021-09-23 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Back on XX/XX/XXXX an unknown entity attempted to open a line of credit under my name. I contacted Chase bank regarding this matter immediately and averted an issue. However Chase Bank was reflected on my credit report via XXXX and XXXX as a hard inquiry. Chase stated they would resolve the matter, but it takes them 5 days to submit and the reporting agency up to 90s to resolve.

Flash forward several months and no resolution, I called Chase back on XX/XX/XXXX and they stated someone on there team neglected to finish the submission, again it will take 5 days for them plus an additional 90 days. XXXX at Chase provided me the following reference number XXXX, on XX/XX/XXXX I received a letter from Chase stating they addressed it with the Credit reporting agencies and again it would take 5 days for them to address and the Reporting agencies another 90 days, Flash forward XX/XX/XXXX and the matter is still unresolved. I called Chase and they stated its the Agencies fault, I called both Agencies and they state it's chases issue. 

Reality I could care less who is at fault I just want it fixed, a year has passed and neither the bank or the agencies have resolved a problem that I have to clean up and the unfortunate recipient of Fraud. I am fairly certain there are laws to protect people like me from activities of this nature, as well as the negligence of the bank and agencies. 

As stated a year has come and gone, and the agencies and the bank are pointing fingers at each other and making empty promises.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-23 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: MD

Complaint narrative:
Incorrect information on my XXXX ( XXXX and Trans Union ) credit report from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX. XXXX. Report # XXXX Never opened an account with the company mountain run solution is reporting ( on XX/XX/2021 ) Report # XXXX I do not owe this company {$1100.00} Please, remove from credit report as this is not my account.

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 2021-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Incorrect information on my XXXX ( Equifax and XXXX XXXX ) credit report from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX. XXXX. Report # XXXX Never opened an account with the company mountain run solution is reporting ( on XX/XX/2021 ) Report # XXXX I do not owe this company {$1100.00} Please, remove from credit report as this is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have incorrect addresses on my report. My experian report shows the address XXXX XXXX XXXX XXXX XXXX XXXX  ca XXXX, i do not live here and never did.

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 2021-09-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
I have two interest free promotional balances on my account one due in XXXX of 2022 and one due in XXXX of 2022. I called a customer service representative to ask if I could make a specific payment to pay off the balance that comes due in XXXX and she told me I could. So I allowed her to take the money out of my banking account to pay that off. 
When I checked my statement it showed that they split the payment between the two balances and the one for XXXX was not paid off as I was assured it would be. 

I called them today and they told me that is how they do it. It did not say that on my agreement, she says that is how they do it and thanked me for my call. Had I known that that was the case I would not have bothered paying the additional {$2100.00} to pay that balance off. When I called again they said that there was no one else that I could talk to about the issue. I think that when the representatives of a bank tell you that you can do something that they should stick by their word and that the bank should use that money as it was agreed.

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 2021-09-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: General Motors Financial Company, Inc.
State: IL

Complaint narrative:
Opened account with GM Financial on XX/XX/2020 with my social security number which was a consumer credit transaction. GM Financial received full payment and has also been receiving monthly payments which has not been to my benefit. GM Financial has violated my rights as a natural person and consumer. I have attached the documents I sent out to GM Financial on XX/XX/2020. I have also attached proof of down payment in the amount of {$1300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Bofa gave my information to someone who has stole my identity and whoever stole it took money out of my bank account {$4000.00}. BofA is irresponsible and they shouldn't have did that ; they should have contact me letting me know that fraud was happening too my account. This is the second time this has happened first time it was {$590.00}. This needs too stop. This never should have happened a second time. And bofa should have know better then too give my funds away too someone pretending to be me over the phone without asking the proper question. They need to be held responsible for they are blunder and misuse of my funds illegally.

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 2021-09-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
I received a letter from a company called XXXX XXXX XXXX stating that they would obtain a judgement against me if I did not pay money to them for a collection account for PayPal within 30 days of a letter dated XX/XX/21 and postmarked XX/XX/21. 
1 ) Ive never had a credit account with PayPal and when I called the number listed I was on hold for 2 hours on three separate occasions.

This is harassment and a bullying tactic and I want this to STOP!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: CA

Complaint narrative:
Please see attached complaint. Step 2 of 5 does not capture my complaint. I chose " Trouble during payment process '' but that is not the issue and the other choices do not apply either. Our situation involves an insurable loss to our residence. We can not get BSI to pay out insurance funds we were required to endorse over to BSI so they could control payments to contractors to repair our kitchen after a fire.

The Company is currently operating under a Consent Order with the CFPB for traditional mortgage servicing activies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC
State: TX

Complaint narrative:
I just made a complaint about this company on XX/XX/XXXX, they replied to it on XX/XX/XXXX, stating they apologized, they will no longer make contact or attempts to collect this debt. I also have their original letter dated XX/XX/XXXX that states : TEXAS RESIDENTS : THE LAW LIMITS HOW LONG YOU CAN BE SUED ON A DEBT. BECAUSE OF THE AGE OF YOUR DEBT, WE WILL NOT SUE YOU FOR IT, AND WE WILL NOT REPORT IT TO ANY CREDIT REPORTING AGENCY. THIS NOTICE IS REQUIRED BY LAW. Well, after I disputed with them, filed complaint with CFPB and they said they would no longer attempt to collect, they put 3 amounts of debt on my credit report!! I was notified of this today. This is unethical and needs to be deleted from my report immediately. I do not have any negative items on reports until now with this bogus debt that was not my fault. I gave insurance to hospital, they billed and got paid. The physicians billing failed to do so. They have broken so many laws at this point.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-23 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: TD BANK US HOLDING COMPANY
State: LA

Complaint narrative:
Over the last three months, there have been monumental decreases to my account balances, yet my credit scores have not gone up even one point. The last straw is the fact that I just paid off A {$20000.00} CAR LOAN AND ALL THREE REPORTING AGENCIES SHOW IT AS OPENED WHEN THE LOAN AGENCY SHOWS IT CLOSED!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 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: MD

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX CARD Date of inquiry XX/XX/2020 XXXX Date of inquiry XX/XX/2020

Company response to consumer: Closed with explanation