vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: OPTUM BANK, INC.
State: CA

Complaint narrative:
Optum Financial opened Account XXXX XXXX without my consent. I never gave consent to open the account, nor should they have any of my information. They wont let me close the account without verifying said information they should have. One of the questions is if there is anyone else tied to the account... how should I know this if I never opened the account in the first place? They refuse the close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC.
State: OK

Complaint narrative:
I have a vehicle loan through Exeter Finance. I am XXXX XXXX and Covid slowed business to almost a halt for a few months. I contacted them and let them know my situation and they gladly deferred two payments to the end of the loan and informed me that they would not show up as late payments since they were deferred and no balance was owed. 

I am currently in the process of trying to secure a home loan and come to find out, BOTH payments were reported as late. This is the only thing holding back my approval. I have called Exeter to try and reason with them to no avail. I have sent goodwill letters explaining again with no response. My history with them and all of my other accounts is exceptional besides those derogatory remarks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
There were fraudulent charges on my Bank Of America credit card account. The card was closed, the fraudulent charges were disputed, new replacement card was sent to me and temporary credit was provided for the fraudulent charges pending investigation. After investigation, company is saying that some of these disputed charges are legitimate ( meaning I am responsible for these charges ) and re-imposed these charges in the new credit card bill. But clearly these charges were not done by me or any one of my family members and some of these charges were in places where we have never been. I have raised these issue with the bank but they said that they can not do anything about it since these charges look legitimate to them and it is based on their investigation and I have no option but to pay these charges. This is totally unacceptable to me since neither me nor any of my family members did these charges and the credit card in question was in possession of me during the time of these charges and we have never been to these places where these charges were made. 
The charges are : Posting Date Description Amount XX/XX/2021 : XXXX XXXX XXXX GA {$5.00} XX/XX/2021 : XXXX XXXX XXXX GA {$8.00} XX/XX/2021 : XXXX XXXX XXXX GA {$5.00} XX/XX/2021 : XXXX XXXX CA {$7.00} XX/XX/2021 : XXXX XXXX XXXX {$64.00} XX/XX/2021 : XXXX {$14.00} XX/XX/2021 : XXXX XXXX {$3.00} XX/XX/2021 : XXXX {$14.00} Total fraudulent disputed charge amount : {$120.00}

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 2022-01-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
In XXXX of XXXX, my wife and I executed a lease with XXXX XXXX XXXX XXXX, as we were having a home built. The end date was XX/XX/2019. 
On XX/XX/XXXX I contacted XXXX and said we would be vacating early and chose a date of XX/XX/2019. XXXX accepted that date and agreed to market the home accordingly. They instructed us by email and letter as to how to leave the home on XX/XX/2019. They rekeyed and denied access as they had accepted the home back on XX/XX/2019. 
Beginning in XX/XX/2019 they claimed we owed rent through XX/XX/2019. 
I have requested numerous times they correct and in each case they have unilaterally refused. I have offered 3rd party arbitration or court and agreed to abide by any 3rd party findings. 
They then reported derogatory information to the credit agencies, and I disputed all. 
My position is that I paid through XX/XX/2019 as agreed and they have unilaterally taken steps to damage my reputation, XXXX XXXX and such. 
I have attached a portion of my supporting documentation. 
They took the house back on XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 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: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
On XXXX XXXX, XXXX, {$1400.00} was fraudulently taken from my checking account by way of my debit card information. I reported the fraudulent charge to Ally Bank on XX/XX/XXXX. I was told that two charges were attempted between the XXXX - XXXX of XXXX with the 2nd being successful. I received no notification to alert me of this money moving out of my account. 

I have received zero written correspondence from Ally Bank. Though, I was told thered be a resolution within 10 business days. Just this morning ( XX/XX/XXXX ), I was told by phone ( as we were calling often to find updates ), that Ally was not providing a provisional credit and had reached a preliminary decision to NOT refund our money. 

The charge is suspiciously identified as a XXXX charge, but we have identified this charge is in no way related to our XXXX account ( as there are payments listed on our Ally account as such and these are very different ; also, this is an absurd amount to be sent by way of XXXX ). XXXX is also connected to our checking account. Ally Bank told us that the fraudulent charge occurred by way of my debit card information. We are desperate to get our money back and the reasonable amount of time for this to be resolved has since passed. On XX/XX/XXXX, we had already reported the charge, canceled my card and unfortunately, have been unable to recoup any of the {$1400.00} that was stolen.

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 2022-01-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MO

Complaint narrative:
I had a fire at my residence in XXXX, 2019 while insured with XXXX. In XXXX a check was issued in the amount of {$22000.00} and made payable to Nationstar. I was unaware that this Company had just obtained a rental property that I have. When the check went to Mr. Cooper they deposited into the wrong account even though I sent a letter with the check with my correct account number and property address. The Company ( XXXX ) has never gotten paid and is now threatening to take me to Court in XXXX. I have made many attempts to contact Mr. Cooper and I keep getting the run around where the check is. I have sent them the front and back of the check as requested to their Research Department and have not heard back from them, when I called to them yesterday I was told they can not stop and reissue the check because it was sent to another Mortgage Company still the wrong property and do not have that information. Only thing they can tell me the Company is called XXXX. When I called that Company I was not given any assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Pursuant to 15 USC 1681a ( 2 ) ( B ) any authorization or approval of specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card per FEDERAL LAW 15 USC 1681 is the same as it is under 15 USC 1602 ( 1 ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or other services on credit. Notice, congress said ANY card, the credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. I sent them a certified letter XX/XX/2021 and got noticed that they received it. Pursuant to 15 USC 1681a ( 2 ) ( B ) these transactions should be removed from my consumer report expeditiously. I am demanding that you block and remove these transactions from my report as they are a violation of my rights as a federally protected consumer under Title 15 Chapter 41. Your office is on notice you have 30 days.

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 2022-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: WA

Complaint narrative:
We received a notice of missed payment by XXXX XXXX for medical tests. Upon checking, we believed the notice was sent in error as it was paid through our insurance. We unsuccessfully tried to contact the company over the phone, and sent an email to address they provided. This was two months ago. 

We never got a response, and we just learned that the bill was sent to Radius Global Solutions for collection. We contacted them over the email they provided, but got an error from their email server and our message was blocked. We then managed to speak to them over the phone and were told they were going to investigate. They however refused to provide anything in writing to prove that we filed a dispute. We were then able to get in touch with XXXX XXXX and they as well claimed they were going to 'investigate the issue and hold the ' but refused to provide any confirmation in writing that the collection process would stop. 

We have been notified in writing that a collection is ongoing, however we have no way to demonstrate that we disputed the process. A word from a company representative over the phone does not equal a certified letter in the mail. 

Of course this complaint does not go into details, but as you can imagine we came to this after spending several hours over the phone and email trying to sort this out.

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 2022-01-14 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: EQUIFAX, INC.
State: CA

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. The accounts listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XX/XX/XXXX {$410.00}, XXXX XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$310.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$8600.00}. Inquiry : XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
On multiple occasions I tried to dispute with all three major credit bureaus several items on my credit report. These items were as a result of identity theft and fraud. I informed all three credit bureaus over the phone and in writing of this identity theft and fraud. They investigated using the dispute item within their website yet they refuse to remove the unauthorized inquiries on my credit report which is causing my credit report score to plummet and multiple declinations for credit. These hard inquiries were unauthorized, of which I informed all three credit bureaus of that. They still refuse to remove the unauthorized hard inquiries. I then put a fraud alert and credit freeze on my report with all three major credit reporting bureaus and in response and retaliation they lowered my credit score by almost XXXX points.

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 2022-01-14 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: EQUIFAX, INC.
State: VA

Complaint narrative:
On multiple occasions I tried to dispute with all three major credit bureaus several items on my credit report. These items were as a result of identity theft and fraud. I informed all three credit bureaus over the phone and in writing of this identity theft and fraud. They investigated using the dispute item within their website yet they refuse to remove the unauthorized inquiries on my credit report which is causing my credit report score to plummet and multiple declinations for credit. These hard inquiries were unauthorized, of which I informed all three credit bureaus of that. They still refuse to remove the unauthorized hard inquiries. I then put a fraud alert and credit freeze on my report with all three major credit reporting bureaus and in response and retaliation they lowered my credit score by almost XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
I have a current debt that isn't mines, I tired several times to dispute the debt as it's affecting my credit and has even cost me additional cost when trying to get an apartment when I needed during my transition of building my new home. 

Both the company and the three bureaus have failed to provide me written proof of the this debt. I have provided proof of my current and past addresses in the last 15 years, which doesn't comply to what they have on file. The bureau continues to send info has been verified with no proof and refusing to validate the debt and continue to report the erroneous negative debt. 

Rent Debt Automated XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX. TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 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: GA

Complaint narrative:
I have one late payment in 2020 during the COVID period, XXXX XXXX XXXXXXXX reported me late during a period where the cares act covers consumers during hard times. I have attached a letter please have this late payment deleted

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 2022-01-14 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: GA

Complaint narrative:
I have one late payment in 2020 during the COVID period, XXXX XXXX XXXXXXXX reported me late during a period where the cares act covers consumers during hard times. I have attached a letter please have this late payment deleted

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 2022-01-14 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: PA

Complaint narrative:
Pursuant to 15 USC 1681a ( 2 ) ( B ) any authorization or approval of specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card per FEDERAL LAW 15 USC 1681 is the same as it is under 15 USC 1602 ( 1 ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or other services on credit. Notice, congress said ANY card, the credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. I sent them a certified letter XX/XX/2021 and got noticed that they received it. Pursuant to 15 USC 1681a ( XXXX ) ( B ) these transactions should be removed from my consumer report expeditiously. I am demanding that you block and remove these transactions from my report as they are a violation of my rights as a federally protected consumer under XXXX XXXX XXXX XXXXXXXX. Your office is on notice you have 30 days.

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 2022-01-14 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
This account is inaccurately and erroneously reported. I want to request for an investigation of this account. NORDSTM/TD ***** Opened date : XX/XX/17 XXXX {$390.00} I would like you to review this reported account. This was undoubtedly placed as charged-off account, yet there is a balance indicating on the statement. There must be a payment history that would show a past due of 120 days for this account. You are reporting mistaken information on this account. Reports should be 100 % accurate based on the Fair Credit Billing Act. Any erroneous information about this account should be removed immediately unless verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX, I applied for a mortgage loan with a major bank. I authorized them to pull my credit reports. I was told by the bank that my mortgage is not on my credit report. I explained to the bank that in XXXX of XXXX that my mortgage was sold to a new mortgage company which I was well aware of because my mortgage is current because I have been making all my payments on time to my previous and my current mortgage companies. I called my mortgage company and spoke with a customer Rep and explained my situation. The Rep stated there was no reason for my mortgage not being on my credit report. 
She stated she would open a claim, but that could take 30-60 days. I told her that was unacceptable due to the fact that I had just lost out on a home I was trying to purchase and I took a Hard Hit on my credit report which will happen again when I reapply once this is corrected. She stated that's the best she could do. I asked for a claim number, but she said she didn't have one. I work really hard at keeping my credit in good standing, but then I get penalized for someone else 's error.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE

Complaint narrative:
Citizens credit card corporate office in XXXX RI I ordered a stationary bike for {$120.00} from XXXX on XX/XX/XXXX ; i decided to cancel the order on the above mentioned on XX/XX/XXXX I was charged on my citizen credit card {$120.00} on XX/XX/XXXX, was credited for cancelled purchase. 
Then on XX/XX/XXXX was billed again for same item stationary bike {$120.00}, issued a credit once i called on XX/XX/XXXX. 
Then again on XX/XX/XXXX billed again on my credit card {$120.00} I filed disputes with Citizen credit card regarding this constantly being billed for this above mentioned item, that i cancelled and NEVER received! 
Dispute dates : XX/XX/XXXX XXXX # XXXX claim number XX/XX/XXXX XXXX # XXXX claim number XX/XX/XXXX XXXX # XXXX claim number XXXX # XXXX NO ONE ever gets back to me by mail, email or phone regarding this issue, and now they have charged me interest on this erroneous charge! 

I have a very good credit score, and pay all my bills in full every month. 

Please help correct this incorrect charge of {$120.00} plus the {$10.00} interest on this incorrect charge. ASAP Thank you XXXX XXXX XXXX ... XXXX XXXX XXXX ... .XXXX, delaware XXXX

Company response to consumer: Closed with monetary relief