vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I have a credit card with Bank of America. I paid off the card and then started getting charges for XXXX XXXX XXXX XXXX XXXX college. I called to report four fraudulent charges on my card between XX/XX/XXXX and XX/XX/XXXX. The claims person took the information and repeated it back to me correctly and then promptly cancelled the card.. I was out of the country at the time and this card was locked away. I looked at my account again on XX/XX/XXXX and noticed 2 of the four charges were not addressed and another, new fraudulent charge was made on XX/XX/. I decided it best to call when i was back in the states. When I got home today, XX/XX/XXXX, I received my new card and at XXXX XXXX I called customer service to report that they neglected to address two charges as part of my original claim and that I had a new fraudulent charge after the card was canceled. Customer Service told me to call claims at XXXX. I called claims and waited XXXX minutes. The rep in claims told me I had to call fraud because if she added these charges to the claim, she would have to cancel my new card. She said, I should reference my claim XXXX. XXXX. Oddly, she gave me the same phone number I used to reach her ( XXXX ). I called Fraud and waited an hour to speak with a Fraud rep. The Fraud rep told me i had to call claims because the fraudulent charges are part of an existing claim. I explained that I just called Claims and was referred to Fraud. The rep then put me on hold for another hour and was sent back to Claims. The the claims rep again refused to help stating I needed to call back the Fraud department tomorrow ( at the same number i called for both Claims and Fraud ) and speak to someone in Fraud. At this point id been on the phone betw. these two departments for 3 hours and neither would help investigate and/or remove the fraudulent charges. I wanted to cancel the card at this point and was told that if I did, I would be responsible for paying all fraudulent charges in full. No one in Bank of Americas customer service, customer claims or fraud departments could help me. I was told to call back at the same number yet again. I can not afford to take hours off of work to find someone at the bank to resolve the fraudulent charges. All other banks have customer service that helps resolve in one call. No one at Bank of America will help. i disputed the charges online and the system told me to contact customer service. I am at a loss and very frustrated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: TX

Complaint narrative:
Mohela Improperly Changed the Renewal Date of my Income Based Repayment Plan Despite previous complaints to my Senator, the CFPB, FSAID, and correspondence from Mohela acknowledging the correct renewal date of my Income Based Repayment plan, Mohela is still incorrectly and illegally changing my Income Based Repayment plan renewal date to XX/XX/XXXX See figure 1. 

The correct recertification date is XX/XX/, as acknowledged by Mohela in Mohelas response to my first CFPB complaint against Mohela ( CFPB Complaint XXXX XXXX  ). See the attached file titled Mohela - CFPB Response XXXX XXXX which contains correspondence from Mohela indicating the correct date of XXXX 

I have also attached the Memo referenced in my original complaint CFPB Complaint XXXX XXXXXXXX. The memo provides proof of the correct renewal deadlines in the form of official correspondence from the prior servicer ; information that Mohela should have and should be in their systems.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX.there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX, XXXX, XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it 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 2023-07-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-07-10 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am a victim of identity theft I, I recently put in a complaint for this same problem, and Bank of America regulatory complaints, help out with the investigation and said it was resolved and closed. It started claim ending in XXXX was resolved in my favor and funds will added to the account. That was XXXX it is XXXX and I have received no credits to my account. Now I called and they said it was closed but not in my favor so Im confused

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 2023-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I received a letter from XXXX XXXX on XX/XX/2023 showing a denial for a credit card that I did not apply for. I also received a hard inquiry on my credit report. I spoke with Experian who placed a fraud alert on my account. I am currently on the phone with XXXX XXXX to alert them as well.

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 2023-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Cover Letter For Equifax XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX Last XXXX SSN : XXXX Remove All Inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On XX/XX/2023, I used my Sony Visa Credit Card issued by Comenity Bank to made a purchase of {$32.00} at XXXX XXXX XXXX. Unfortunately, the merchant ( located in another country ) mistakenly charged my credit card THREE separate times, instead of just once. I promptly disputed the two extra charges ( {$32.00} each, for a total of {$65.00} ) with my credit card company and provided a full explanation with documentation and a receipt. Comenity Bank took 90 days to investigate. On XX/XX/2023, I received a formal letter stating that I am not responsible for the disputed amount and that they had made a correction to my account. However, no correction was made. No credit was issued. I have called Comenity Bank multiple times and have messaged them online multiple times. They have still not resolved this issue. I want my money back for the two extra charges of {$32.00} that total {$65.00}. I have attached my credit card statement that shows three repeated charges from XXXX XXXX XXXX, which are captured on paged 1 and 2. I have also attached the letter from Comenity Bank, stating that I am not responsible for the disputed amount.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-10 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: Self Financial Inc.
State: NY

Complaint narrative:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDOT BUREAS HABE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' SELF FINANCIAL/LEAD BA 2 LATE PAYMENTS Balance details Paid off - Balance - Balance updated - Original balance {$520.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type XXXX XXXX Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXXXXXX - XXXX - PAYMENT HISTORY LEGEND Status Paid, Closed. 
Status updated XX/XX/XXXX Original balance $ XXXX Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms 24 Months Company sold - Original creditor - Comments Account paid from collateral Your statement **CONSUMER STATEMENT** Y ITEM DISPUTED BY CONSUMER Contact info Address XXXX XXXX XXXXXXXX XXXX XXXX , MO XXXXXXXX XXXX number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that aren't reporting correctly. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2023-07-10 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10 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: LEXISNEXIS
State: MO

Complaint narrative:
Placed a credit freeze over 6 months and company is still sharing my information. Also reporting inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10 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: FL

Complaint narrative:
This matter still has not been resolVED. PLEASE REMOVE THIS INACCUARET LATE PAYMENT

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 2023-07-10 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: FL

Complaint narrative:
This matter still has not been resolVED. PLEASE REMOVE THIS INACCUARET LATE PAYMENT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10 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: NEW YORK COMMUNITY BANCORP INC
State: MD

Complaint narrative:
I currently have a VA backed mortgage with Flagstar Bank. My loan was transferred from XXXX XXXX XXXXXXXX and since the transfer they have reported me as missing 5 payments on my credit report. I have gone as far as calling them on a three way with my insurance company ( XXXX ) and call ending with all was good with my account. My mortgage and cars are bundled under one plan with XXXX. I am a veteran that is XXXX XXXX XXXXXXXX and exempt from paying property taxes. Flagstar wants to collect an escrow on my mortgage. I have forwarded letter from governor and other pertinent documents to flagstar and they are not satisfied with this. They receive my payments and becausr i refuse to pay them escrow, they report me as missing 5 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 2023-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: ID

Complaint narrative:
15 use 1681. Contract laws and consumer 's rights to be left alone on a debt that I don't owe Midland Credit Management. I have no contract with them and have received letters and emails threatening me with attorneys. Under fair credit act they need to stop harassing me with emails and pay me XXXX dollars a day for reporting fraudulent claims on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX  XXXX Acct # - XXXX XXXX Acct # - XXXX XXXX Acct # - XXXX XXXX  Acct # - XXXX XXXX Acct # - XXXX XXXX  XXXX  Acct # - XXXX XXXX XXXX XXXX Acct # - XXXX XXXX Acct # - XXXX XXXX XXXX  Acct # - XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to XXXX USC 1681i ( 5 ) they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case

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 2023-07-10 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: CITIBANK, N.A.
State: GA

Complaint narrative:
Someone stole my information and opened a credit card in my name in South Dakota and I never been nor lived there I need this off my credit report. This Is Not 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 2023-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I received a letter from Capital One on XX/XX/2023 showing a denial for a credit card that I did not apply for. I also received a hard inquiry on my credit report. I spoke with XXXX who placed a fraud alert on my account. I am currently on the phone with Capital One to alert them as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FISERV FINXACT CORE
State: GA

Complaint narrative:
TRS RECOVERY SERVICES ARE FRAUDULENTLY STATING THAT THEY'RE COLLECTING A PAYMENT FOR XXXX. I DO NOT HAVE A CREDIT ACCOUNT WITH XXXX NOR DID I STOP A PAYMENT ON XX/XX/2023 WITH MY BANK AS THIS COMPANY IS STATING THEIR REASONS FOR COLLECTING PAYMENT FOR XXXX IS BECAUSE OF A STOP PAYMENT. THEY ASK FOR A VERY SPECIFIC PAYMENT OPTION. ONLY PAY WITH SMARTPHONES OR CASHIERS CHECK.

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 2023-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
Credence resource managent called me multiple times on the same day and multiple times almost everyday. On XXXX  they called me again on the same day after I had already declined earlier to harass me.

Company response to consumer: Closed with non-monetary relief