vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-16 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: CA

Complaint narrative:
XXXX complaint came back as " resolved ''. Case is not resolved. Bank of America states " documentation of prior proof of payment not received ''. We have faxed to them copies of prior payment with another credit card. They stated that FULL credit card number must be on statement showing payment was made for spa services prior to boarding princess cruise ship. We DID send them statement with FULL credit card number. Agent verified receipt of that fax. Bank of America response is " dispute for {$210.00} denied????????? not sure where {$210.00} came from???? our dispute amount is {$650.00}. 

repeat of previous claim : We paid for ALL spa services prior to boarding with another credit card. There was to be NO spa charges after boarding cruise ship.

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 2023-03-16 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: AL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I run a small personal business XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Sometimes customers pay by cash or checks. A few checks were deposited so they placed my account on hold. While my account being placed on hold, i had an electronic payment that was deposited into my account on XX/XX/2023 in the amount of {$6300.00}. They told me my account was under review while they verify the checks. I explained to them that i dont owe the bank any money & they arent sure as of yet if the checks were made out to me or not. I told them they cant hold my funds if they arent sure whats going on with the checks. They have refused to release my funds. Nowhere in their policy does it say that they can hold my funds for more than five business days with my account being on hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 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: Maximus Federal Services, Inc.
State: MI

Complaint narrative:
My complaint is about XXXX credit bureau I have disputed credit acceptance for this reason my online account says {$5.00}, XXXX for remaining balance the initial balance {$12000.00} my credit report my credit report says {$4400.00} the original balance says {$8200.00} when my online account says XXXX and it's only XXXX XXXX  paid off that is totally incorrect I am asking for a XXXX I want this removed XXXX did not verify they could not have verified and I have read they have violated a lot class action lawsuit recently I got very well educated the last few days on this I also read that study found one in four had had one or more errors under credit report during 2020 I am really upset about this this is affected me a lot I spend all of my time researching and trying to fight for what is right I disputed with student loans also I am on the income driven plan if they would have verified correctly that would have got fixed the late payments I feel they should be held accountable for that that is unprofessional and very unethical I have disputed with credit acceptance a couple of different times it always comes back shortly after verified it's going to remain that is so unfair and I'm asking for a XXXX I am XXXX XXXX XXXX with a lot of health issues credit acceptance is taking me through the mud I even seen on my inquiries they're inquiring on my credit too that is credit slander and XXXX doesn't see that? That's scary but I am firmly asking for a XXXX I fight when I know that I am right I paid over {$8000.00} for that car there is no way I should still pay {$8000.00} as well over the XXXX XXXX XXXX XXXX XXXX  on the high side is XXXX that's an excellent condition and that car is not an excellent condition but they both violated the Fair credit reporting act big time I'm also going to contact the Federal trade commission and the state regulator something's got to be done about this I don't think it's fair that that repossession stays on my credit when they violated the Fair credit reporting act I can not stress that firmly enough I'm going to attach my proof

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 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: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
My complaint is about XXXX credit bureau I have disputed credit acceptance for this reason my online account says {$5.00}, XXXX for remaining balance the initial balance {$12000.00} my credit report my credit report says {$4400.00} the original balance says {$8200.00} when my online account says XXXX and it's only 46 % paid off that is totally incorrect I am asking for a XXXX I want this removed XXXX did not verify they could not have verified and I have read they have violated a lot class action lawsuit recently I got very well educated the last few days on this I also read that study found one in four had had one or more errors under credit report during 2020 I am really upset about this this is affected me a lot I spend all of my time researching and trying to fight for what is right I disputed with student loans also I am on the income driven plan if they would have verified correctly that would have got fixed the late payments I feel they should be held accountable for that that is unprofessional and very unethical I have disputed with credit acceptance a couple of different times it always comes back shortly after verified it's going to remain that is so unfair and I'm asking for a XXXX I am XXXX XXXX XXXX with a lot of health issues credit acceptance is taking me through the mud I even seen on my inquiries they're inquiring on my credit too that is credit slander and XXXX doesn't see that? That's scary but I am firmly asking for a XXXX I fight when I know that I am right I paid over {$8000.00} for that car there is no way I should still pay {$8000.00} as well over the XXXX XXXX XXXX XXXX XXXX  on the high side is XXXX that's an excellent condition and that car is not an excellent condition but they both violated the Fair credit reporting act big time I'm also going to contact the Federal trade commission and the state regulator something's got to be done about this I don't think it's fair that that repossession stays on my credit when they violated the Fair credit reporting act I can not stress that firmly enough I'm going to attach my proof

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 2023-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
I received mail from USPS from XXXX XXXX XXXX XXXX about the following : Creditor : PayPal , Inc . 
Account holder name : XXXX XXXX Reference # : XXXX Account number : XXXX Account balance : XXXX I do not have this account and would like further information regarding this matter. It says I have until XX/XX/2023 to respond. 

I have reached out to Paypal directly and they do not have any account number listed presently or in the past. I currently have an account with Paypal and it is in good standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-16 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: ID

Complaint narrative:
I paid this account of on XX/XX/2023 and the company XXXX XXXX XXXX XXXX and XXXX XXXX  was to report it two the three credit agencies but has not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 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: ID

Complaint narrative:
I paid this account of on XX/XX/2023 and the company XXXX XXXX XXXX XXXX and XXXX XXXX  was to report it two the three credit agencies but has not.

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 2023-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
Sent letter end of XXXX to request account documentation to provide proof of debt. Never received. Then received notification that I was being sued by this debt collector, each time I call I get different information. Phone calls have been recorded, they are giving me the run around and refusing to provide proof of the debt. They say their phone lines are messed up or provide # s that dont work, they tell me to call back later. I have asked 3 times who the attorney is in the case and am told 3 different answers. I finally placed the debt into dispute.

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 2023-03-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Credit Reporting Agency, I am writing to dispute the negative items on my credit report. Upon reviewing my credit report, I have noticed that there are several inaccurate and outdated items that require your immediate attention. 

Firstly, regarding the inquiries made by XXXX XXXX XXXX and XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I would like to inform you that inquiries have reached the statute of limitations and should be removed from my credit report. 

Secondly, with respect to the account number XXXX associated with XXXX XXXX, I demand that the late payment information be removed from this account. The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP. 

Thirdly, for the account number XXXX associated with XXXX XXXX XXXX, I request that the incorrect late payment information be removed from this account as well. You can not report this account as updated when nothing has been changed! 

Fourthly, for the account number XXXX associated with XXXX XXXX  XXXX XXXX XXXX request that you verify the payment status, balance, comments, payment history, and account number as they might be incorrect. Fix or delete this account from my report completely. 

Lastly, for the account numbers XXXX and XXXX associated with XXXX XXXXXXXX XXXX XXXX and XXXX XXXX respectively, I request that the same incorrect late payments be removed from these accounts as well. You can not report these accounts as updated when nothing has been changed! 

I would like to request that you investigate and correct these inaccuracies as soon as possible. Your cooperation in this matter is greatly appreciated. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2023-03-16 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Credit Reporting Agency, I am writing to dispute the negative items on my credit report. Upon reviewing my credit report, I have noticed that there are several inaccurate and outdated items that require your immediate attention. 

Firstly, regarding the inquiries made by XXXX XXXX XXXX and XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I would like to inform you that inquiries have reached the statute of limitations and should be removed from my credit report. 

Secondly, with respect to the account number XXXX associated with XXXX XXXX, I demand that the late payment information be removed from this account. The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP. 

Thirdly, for the account number XXXX associated with XXXX XXXX XXXX, I request that the incorrect late payment information be removed from this account as well. You can not report this account as updated when nothing has been changed! 

Fourthly, for the account number XXXX associated with XXXX BANK XXXX XXXX XXXX request that you verify the payment status, balance, comments, payment history, and account number as they might be incorrect. Fix or delete this account from my report completely. 

Lastly, for the account numbers XXXX and XXXX associated with XXXX XXXXXXXX XXXX XXXX and XXXX XXXX respectively, I request that the same incorrect late payments be removed from these accounts as well. You can not report these accounts as updated when nothing has been changed! 

I would like to request that you investigate and correct these inaccuracies as soon as possible. Your cooperation in this matter is greatly appreciated. 

Sincerely, 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 2023-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I recieved a XXXX transfer of a XXXX dollars from a XXXX XXXX, in exchange for cash, XXXX bank then reported the transaction as fraud and now my account is marked as restricted and I cant access my funds which I need for day to day activities, ally bank has been of no help in helping me access my funds needed for the day, this is not the first encounter I have had with ally bank, they always restrict my account for any purchase that I do even when I want to pay rent

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 2023-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I have obtained my credit report and found accounts I never opened, addresses I never resided, and different variations of my name. I also found this account that I believe not to be mine. Acct name : MIDLAND MANAGEMENT CREDIT ( Original Creditor : XXXX XXXX XXXX  and XXXX XXXX  in the amount of {$2000.00}. I also found an account listed on my credit twice. Once with Midland credit management and once with XXXX XXXXXXXX XXXX in the amount of {$870.00}. I am not liable for this debt and I do not have a contract with Midland Credit Management. Also how is the debt listed with XXXX XXXX and Midland. They cant both be requesting payment on the same debt. Police Report and FTC Affidavit are attached with this complaint and disputes sent to all three credit bureaus. Please delete this account from my credit report at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: SIMM Associates, Inc.
State: CA

Complaint narrative:
I keep receiving calls from a company who claims to be called SIMM Associates. They ask for different peoples names. They say its regarding a personal issue. They dont reveal much more than that. Ive told them to remove my number and to no longer contact me. They hang up each time I tell them to stop calling me. They clearly have the wrong number or a scam. I will be contacting my attorney on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
Sent letter end of XXXX to request account documentation to provide proof of debt. Never received. Then received notification that I was being sued by this debt collector, each time I call I get different information. Phone calls have been recorded, they are giving me the run around and refusing to provide proof of the debt. They say their phone lines are messed up or provide # s that dont work, they tell me to call back later. I have asked 3 times who the attorney is in the case and am told 3 different answers. I finally placed the debt into dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc
State: GA

Complaint narrative:
I maid a purchase on XX/XX/XXXX for a phone through Xfinity mobile AND My credit wasn't high enough so they canceled it but they already took XXXX dollars as a deposit I never received my money back everytime I call each working says different things they said u received your money on the XXXX I send screen shots of the XXXX no money returned they another working says I received it on the XXXX I got screens shots on the XXXX no money return they I call again one working says give it 3 days they released the money to chime on the XXXX and still nothing I called support now she says it was giving to you I'm telling them my activity is everyday use I know if XXXX was put back and they choose to not help me like how they all come up with different dates and info I spoke to a super viser she went after I told her no and canceled my card being rude like who does these things mind you I have my amend taxes set for direct deposit there I have 2 returns from XXXX I'm yet to receive cause it's to the card they canceled they have XXXX of mine from a company I blocked last month and report as fraud. Yet the company too XXXX from me like 10 days ago I disputed it and they canceled my card with out looking into the fact I already cancel my card last month this was a new card but she wan na do it her was and talk to me last and I couldn't understand her she didn't even understand XXXX like this is american this is my money but sounds like the call center is in XXXX I feel chime is just robbing people

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 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: Porania, LLC
State: GA

Complaint narrative:
I feel like a lot of things on my credit should be moved. They are old. The addresses are old.

Company response to consumer: Untimely response
Consumer complaint received 2023-03-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
Comenity Bank has been contacted in writing 3 separate times with a request for me to receive paper statements of my accounts. I was locked out of my online portal where I had been making my payments and my ability to reset a password was disabled. 
I continued to receive emails with payment due alerts and increases to balances of each account due to late fees and interest. Amounts due on accounts are far higher than when I was able to make payments on a regular monthly schedule. 
I requested paper statements so I could view my account history and make certain no additional charges had been applied as I have had this issue in the past with Comenity and they have had to credit my account due to errors on their end. 
For instance my payment would be due on XXXX of the month and I would make payment on XXXX or morning of XXXX and receive email confirmation but then at later date get notification and late fee applied with no record of payment made. I would contact my bank and see payment was debited on or before due date, share this with Comenity and they would then credit my account correctly. 
I am hoping to resolve these issues as they are affecting my credit history greatly. 
This is in regards to XXXX, XXXX, and XXXX and XXXX. All three accounts have been closed and I was making payments on them up until they locked me out. TheLoft card I was alerted was sold to another credit entity that I will have to work with thanks for the missteps by Comenity Bank.

Company response to consumer: Closed with monetary relief