vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: IL

Complaint narrative:
NATIONAL CREDIT SYSTEMIS ATTEMPTING TO COLLECT AN ALLEGED DEBT FROM ME AND CAN NOT VALIDATE THE ALLEGED DEBT. THE ACCOUNT IS CURRENTLY A COLLECTION STATUS AND CA NATIONAL CREDIT SYSTEMIS STILL TRYING TO COLLECT. I even submitted a cease and desist. I attach the letter too and they could not provide the promissory note of this alleged debt. NATIONAL CREDIT SYSTEMis in violation of 12 CFR 1022.41 ( d ) integrity. I need this account DELETED now!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Someone applied for a capital one credit card under my name. The fraud department removed the application but I still want to know who has my information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: MS

Complaint narrative:
Contacted me stating i applied for housing at " XXXX XXXX  ''. I do not live there nor have I tried to. I was already in a house of my own in another city. Means were done online only with my personal information. {$210.00}. Police report filed for identity theft. Police report # XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: LA

Complaint narrative:
I go online to make payment, every time have to add bank info including routing and account number. After going through the complete lengthy process and you click make payment it says something went wrong to check back later, This has been going on for months since the merger of BBT and Truist. Also if I try to make an additional principal payment it says you can only make an additional principal payment within 24 hours of the payment due date which incurs additional interest for me as they will not accept that additional payment. Please help, I only want to be able for them to accept my loan payments. Also to make a payment I have to call Truist and the hold times are always in excess of 30 minutes. This is unacceptable they always apologize and say they are working on the problem but to no avail. Thank You!

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 2022-03-25 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: PA

Complaint narrative:
on XX/XX/24 XXXX inquired my credit score and gave me a hard inquiry for a credit line increase i did not request. Tried contacting XXXXXXXX XXXX to report it as fraudulent and was told nothing can be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: LA

Complaint narrative:
I received a call from COLOMBIA DEBT RECOVERY DBA GENESIS on XX/XX/2022. A rep for the company stated that " I have a past due balance in the amount of XXXX for an apartment lease with XXXX XXXX XXXX ''. I notified them that I am not the individual whom they are looking for and i requested that they validate that they have the correct individual by verifying the name, social security number and Dob And drivers license number. The confirmed that the LICENSE PRESENTED AT THE TIME OF THE LEASE SIGNING WAS NOT MY LICENSE. However, the social that they were presented with was my social number and dob. I requested for them to reverify and remove this fradulent account from my credit report and they denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I checked my Trans Union Credit File online XX/XX/2022 and found very serious errors in my personal information. 

I filed a dispute online with them on XX/XX/2022. 

I received an email stating that my dispute was resolved and to click the link in the email to be taken to my online Trans Union Account to view the updated information. When I clicked the link it took me to https : //service.transunion.com and asked me to identify buses or something ( CAPTCHA ). I did so, then the screen immediately went to : ACCESS DENIED. 

So I tried again and the same thing. I tried a different browser, same thing. Cleared all cookies, cache, etc. Same thing. 

I have received 2 more emails from them about retrieving my results and the same thing keeps happening. 

I have called Trans Union per the directions of the ACCESS DENIED screen and they have not helped with resolving this issue. The representatives tell me to try another computer, or my phone, or send them a letter to request a copy of my credit report but, have not adequately addressed the situation. 

I was on the phone with them for over 3 hours today, I had to give them every bit of identifiable information they asked for just to make sure it was me on the phone and then they said to check back with them in 5-7 business days to see if the issue has resolved, after, AFTER, I read to them the information that is shown in the attached screen shot AND looked up on XXXX and XXXX and READ them the steps for resolution AND proved to them that it's not an issue with my computer system. 

In the meantime, they said, they would send me a copy of my credit report in the mail, not electronically, AND that it would take 5-7 business days to get it. They also said I will not be able to DISPUTE anything on my report except by mail. 

I think this is a clear violation of my rights.

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 2022-03-25 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: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
XX/XX/XXXX date of first complaint CFPB XXXX I originally tried to get Santander to remove this wrong information. See file number above. Santander, said they were no longer reporting the information. The first collection agency sent the account to another collection agency. Now it is XXXX and legally past the statute of limitations. Santander and the new Collection are reporting wrong information like the date of the last pmt was XX/XX/XXXX when the account was closed in XXXX. These should be removed. Santander tried to tell me it was a different account but either way. it is past the statute of limitations and they are trying to re age the date on the collections. can you please help. I have attached the complaint and other files. I am not sure if the complaint is referring to the account below but i have attached it. Also it is irrelevant as the account is just invalid as it is past 7 years and they both are reporting wrong information. The last payment made on this account was XX/XX/XXXX. Date of first delinquency is reporting XX/XX/XXXX and date of last pmt is reporting XX/XX/XXXX. I never made another payment since XX/XX/XXXX. 

XXXX XXXX XXXX XXXX Collection agency XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: CA

Complaint narrative:
Multiple calls from a company that wouldn't share their name, then eventually said they are Diversified Adjustment Service and say I owe approx {$130.00} to XXXX XXXX XXXX. They were ready to take a credit card immediately to process the payment. I said I wasn't comfortable doing this and asked if they had a website. She said they did, but as I walked from the car to the office, the call was dropped. I immediately called XXXX XXXX  XXXX, they said they never turned in unpaid debt to collections and in fact my accounts are in great standing, many of them with credits on them. 

The most recent number I received from these " phishers '' as XXXX XXXX  XXXX called them was XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Biehl & Biehl, Inc
State: MD

Complaint narrative:
On XX/XX/XXXX, XXXX, I received a call from Biehl & Biehl attempting to collect a debt regarding XXXX XXXX XXXX On XX/XX/XXXX, I responded via email to Biehl & Biehl and provided documentation to its collection representative that the XXXX XXXX XXXX was paid in full and provided a copy of XXXX Quote ( required for the bill of lading ), a copy of my credit card statement showing the charge, and a copy of the bill of lading. On XX/XX/XXXX, I received a call from Biehl and Biehl. This time asking to speak to a XXXX XXXX XXXX. After responding that I am not with XXXX XXXX XXXX, I spoke to the Collections Manager at Biehl & Biehl and provided documentation to him via email that I am with another company and also provided documentation that my charge with XXXX was paid in full. The Collections Manager responded via email on XX/XX/XXXX " Receipt acknowledged, thank you. I will be back in touch shortly. '' No response was received. In XX/XX/XXXX, I received a letter from Biehl & Biehl addressed to XXXX XXXX XXXX demanding payment and stating that they have " attempted to contact me without any success. '' Again, I contacted Biehl & Biehl and indicated that I am not associated with XXXX XXXX XXXX and the bill of lading they provided in XX/XX/XXXX was to another company and it was paid in full as documentation I provided to them showed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: MO

Complaint narrative:
I've been scammed by a fake online company " XXXX '' who offered drop-shipping service. I've disputed this information with numerous evidence & correspondence from previous dates it occurred. CHIME did not reward me in the dispute at the end of their investigation. Although the bank has failed to follow the Uniform Commercial Code. I've lost about {$30000.00} USD in the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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 — Was not notified of investigation status or results
Company: SECURITY FINANCE CORP
State: NM

Complaint narrative:
I made a loan with XXXX XXXX here in XXXX, XXXX XXXX from their office on XXXX XXXX, XXXX. I paid the loan off a month ahead of time ; I was informed by a young lady that the company owed me some money-when I asked how much-the amt was {$500.00} dollars-after receiving this check which I deposited to my credit union acct-I was contacted by the company about how would I like to start paying on my new loan! I subsequently filed a complaint with the XXXX XXXX XXXX XXXX XXXX XXXXThee XXXX  never told me what the status of my complaint was nor did Security Finance send me any documentation as to any steps there were to RESOLVE this matter plus I informed the XXXX  and the company that based on information sent to me that I was was being mixed up with another person with the same name and obviously another present customer. This presented evidence from the company and to the XXXX  meant nothing and now the company is showing " retaliation '' to me by giving a negative credit report. The complaints listed on the XXXX  website concerning this company is " XXXX  ''. Therefore I am filing this complaint against the Security Finance Company concerning its " office her in XXXX, 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 2022-03-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
" Chase preferred Tue XX/XX/2022 XXXX PM Now you can earn XXXX bonus points with the Chase Sapphire Preferred credit card. If you apply and get approved, we can both earn rewards : https : XXXX Chase Sapphire Preferred Credit Card | Chase.com Click to learn more.

www.referyourchasecard.com '' I applied for, and received, a Chase Sapphire Preferred credit card per the offer above. I spent the required amount of {$4000.00} in the first three months. Chase gave me XXXX points, not the promised XXXX points. After several attempts to correct this error, Chase wrote a letter advising that my account will only be given the XXXX points. I not only consider this as a bait and switch but also as a predatory practice. I had the choice to go with many other offers, but chose Chase because of the XXXX bonus points.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XXXX XXXX I sent certified letter to CRA 's for them to DELETE all the Inaccurate and Incorrect personal information from my consumer reports. CRA 's has failed to respond back appropriately by Updating my Consumer Report with 1 correct name, 1 correct address, 1 correct employer, and correct SS #. As a valued consumer this is causing XXXX  and XXXX  hardships for my family and I. This is unacceptable Per federal law they're in violation.

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 2022-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Experian, XX/XX/2022. I checked my credit report on the Experian website and XXXX is reporting my account STATUS : Currently, was past due 60 days late. I haven't been late for several months. I took a screen shoot of my online credit report. Please update this account. The balance owed is incorrect 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 2022-03-25 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: TN

Complaint narrative:
In Accordance with Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX has violated my rights. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( F ) - Reporting information during Covid-19 Pandemic ( ii ) ( I ) states if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as current.

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 2022-03-25 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
In Accordance with Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX has violated my rights. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( F ) - Reporting information during Covid-19 Pandemic ( ii ) ( I ) states if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as current.

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 2022-03-25 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: EQUIFAX, INC.
State: TN

Complaint narrative:
In Accordance with Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX has violated my rights. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( F ) - Reporting information during Covid-19 Pandemic ( ii ) ( I ) states if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as current.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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: OK

Complaint narrative:
I have called over and over and have submitted the dispute online over and over and they are not fixing the error. The below hard inquires are fraudulent and need removed ASAP! 

XXXX XX/XX/2021 XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XX/XX/2021 THESE 3 ARE FRAUD A NEED REMOVED ASAP FROM MY EQUIFAX REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CREDIT REPORT ATTACHED FTC REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FORD MOTOR CREDIT CO.
State: PA

Complaint narrative:
I had a payment due on XX/XX/2022 I made the payment like I always do using the account I always use with plenty of money in the account to cover the payment on XX/XX/2022 and it somehow got kicked back and I got no notice of the payment getting returned until XXXX XXXX showed me that my credit score went down significantly because of the missed payment I reached out to XXXX XXXX XXXX and can not get through due to a higher than usual call volume and keep getting disconnected before I get to talk to anyone. Ive since made the XXXX and XXXX payment because thats all the website would let me do

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I transferred XXXX dollars from my XXXX  CHECKING ACCOUNT to my BANK OF AMERICA SAVING ACCOUNT on XX/XX/XXXX, and still, I haven't received the money. Today 's date is XXXX, XXXX. 2022. 
After 5 or 6 visits ( maybe more ) to both banks in order to find an answer, XXXX XXXX gave me proof of payment, meaning that the check was paid to BoA, so seems that XXXX did it right and the problem is with BoA. 
Today I went to BoA where I've been very well treated every single time I went. The representative and her manager apologized to me for the inconvenience despite the fact they are not responsible and offered to me come back with a solution by the next Monday. 
On top of that my XXXX cards ( from BoA and XXXX ) were cloned, so I can't use them until I receive the new cards. 
I'm trying to figure out how to manage my payments. 
Hoping for a solution. 
Thank you!

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