vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-03 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: TX

Complaint narrative:
XXXX wont remove collection of inaccurate info, XXXX  removed this for inaccurate info i asked repeatedly for them to remove this the last response i got was those may be so ( transion removing it from my report ) but info is accurate -it for XXXX XXXX and XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 1 XXXX XXXX XXXX PA XXXX XXXX XXXX Account Number Date Opened High Credit Credit Limit Terms Duration Terms Frequency Months Revd Activity Designator Creditor Classification XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX MN XXXX XXXX XXXX Account Number Date Opened High Credit Credit Limit Terms Duration Terms Frequency Months Revd Activity Designator Creditor Classification XXXX this is inaccurate the other 2 bureaus have removed these inaccurate info it does not let me dispute this one Date Reported : XX/XX/XXXX Collection Agency.-.Equifax- XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$750.00} Amount {$750.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # XXXX Creditor Classification MEDICAL_OR_HEALTH_CARE Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact XXXX XXXX XXXX XXXX XXXX XXXX  XXXX TX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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: CA

Complaint narrative:
I have multiple late payments with XXXX XXXX XXXX. I contact the company to remove this late payment. I have late payment for XX/XX/2020 and XX/XX/2020. This late payments are preventing me from obtaining credit in my name. The account number for this account is XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Bureau of America Ltd.
State: MD

Complaint narrative:
I sent letters to XXXX and XXXX credit bureaus the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means XXXX and XXXX have NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Unauthorized account for Synchrony Bank : American Eagle, Care Credit and XXXX XXXX appearing on my credit reports.

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 2021-08-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I placed a fraud claim with Bank of America about a scam I was a victim of. I was scammed by a person claiming to be a Bank of America fraud department employee and lost funds in the amount of {$3100.00} I promptly made a claim with my banking institution, it has been 3 weeks. I do feel as if Bank of America is doing their due diligence to recover my funds and protect my finances.

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 2021-08-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
XXXX XXXX Barclays Card. Promotional 0 % interest period ended without notice and balance of interest was accelerated into one payment that nearly exceeded the amount of principal paid on the card. When called, they did not waive or remove any charges. I would have never financed with Barclays if I knew they engaged in this usury. I ended up paying off the balance in full and closing the account. I took a {$600.00} hit for what I thought was a 0 % interest card on a specialty purchase financing plan. Also, I can not find anything on the website about my original account terms, thus I have no way of determining if this is even the right promotional period. Very distressing. Shame on them for bait and switch and shame on XXXX for participating. I want nothing to do with them anymore.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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: IL

Complaint narrative:
I am victim of identity theft and fraud. I have notified alleged creditors on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX that the items on my credit report does not belong to me, and they have not validated any debts from alleged creditors with competent evidence of a valid contract according to the FCRA section 609 and best evidence rule that requires primary evidence meaning original version and other consumer laws i.e. title 15 U.S. Codes section 1681 and 1692. I have not in any way received goods, credits, money, loans, services, or any transactions. The alleged creditors have not provided proof of claim and my social security number has been used unauthorized, and without consent and written or verbal permission. I have not authorized any of these creditors listed to have access to my credit report, and/or score. My social security number information was breach and alleged creditors have used my social security number and are in violation of the privacy act of 1974 etc. unless they can prove a written contract exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I have these accounts that are not mine and i want them to be removed from my credit report. 

1. Identity Theft BK OF AMER Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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: First Advantage LNS Inc.
State: MA

Complaint narrative:
National Credit Audit Corporation has knowingly and willingly allowed false reporting after several attempts to have the information review by just responding verified and not actually verifying the debt at all, this is a violation of the FCRA guaranteeing 100 % accurate reporting and neglecting its responsibilities to investigate I has had many hardship due to the choice made by XXXX XXXX who was my collection account specialist she treated me as if I was lying to her very rude and there will be a lawsuit following due to this account being reported in Error and not addressed by call the original creditor and verifying this {$1400.00} debt I had to remain homeless for some time because of this debt its being deleted but this company need to have some for of accountability.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
As stated in my previous complaint, I have disputed a Chapter XXXX bankruptcy reporting on my TransUnion credit report as well as all of the accounts that were included in that bankruptcy on XXXX and XX/XX/XXXX and now also XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX due to the fact there are multiple inaccuracies and discrepancies being reported which is having a devastating effect on my credit scores and financial well-being. And each time I have disputed this information, TransUnion has CLAIMED the Chapter XXXX bankruptcy has been verified by XXXX and that the bankruptcy and accounts included in the alleged bankruptcy belong to me AND are reporting 100 % accurately. However, the information that is being reported to each credit bureau is completely different such as the file date and discharge date and no assets or liabilities are reported which is definitely an inaccuracy. And the accounts that were allegedly included in this erroneous bankruptcy are all reporting differently across the credit bureaus. Information such as open date, date of last activity, date of last payment, date of first deficiency, high balance, etc are completely different. Yet, TransUnion has CHOSEN to continue reporting this information on my file. My confusion is how is TransUnion in compliance with what is required by The Fair Credit Reporting Act regarding truthfulness and accuracy of ALL information being reported on my credit report, if they have been given ample evidence to the contrary, yet are still reporting this erroneous information? Furthermore, I have provided them with proof that XXXX XXXX who they claim verifies their bankruptcy reportings ) has no record at all of any bankruptcy listing under my name and social security number ( which I have attached to my complaint ). As you can see under Section 9 of the report, there are NO bankruptcy listing being reported. I disputed this inaccurate information with XXXX and they entirely removed it from my file. Yet, TransUnion has chosen to continue reporting this inaccurate information further damaging my credit worthiness.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
Unauthorized accounts for Lane Bryant and Express showing on my credit reports. They have failed to properly verified and validate the accounts were authorized. They have not sent any documents bearing my signature to open the accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BSI Financial Holdings, Inc.
State: UT

Complaint narrative:
On XX/XX/2021 It was reported to XXXX  that my account with BS is {$12000.00}. past due and over 180 days late, This is not correct as when my loan transfered to BSI from XXXX XXXX it was in flight partial claim modification that was already complete. Since my account has been with BSI I have made the full payment every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Credit card or prepaid card — Store credit 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: KY

Complaint narrative:
Early XXXX I purchased several items from XXXX XXXX using my credit card from their company. One item was sent that was completely wrong from what I ordered. I called to let them know and they said they would ship out the proper item and that I needed to return the other item. I informed them that I could not make it to the post office seeing how it was 30 minutes each way. Having to take off for their mistake was out of the question. They informed that was fine. I never received the item that I was being charged for. I called again probably a month later when my bill was due and was sent to 5 or so different people trying to get the right person. I was on the phone for a couple of hours trying to get resolved. I would be put on hold then the phone would get hung up on. After all this I would start to get very frustrated and customer service agent would cut you off or not let you explain anything. I was told finally that I would get my refund and I told them I wanted to cancel the card. So now we are a month later and i was charged interest and still being charged for item and bill is coming up again that im suppose to pay for something I never received. I call again and me and the customer service agent get into it because he refuses to let me finish a sentence. I ask for a manager and he hangs up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
Barclays has failed to Credit me for a return of Items to XXXX XXXX in XX/XX/XXXX. 
All ITems were returned to merchant XXXX an documented.

Barclay never issued the credit. Now accumulating fees etc. NOTE THE PROBLEM IS THE REFUND WAS ISSUED TO OUR ACCOUNT ENDING IN XXXX which was closed by XX/XX/XXXX. 
The replacement for the account was account XXXX so the credit never reached it. 
Dosent stop you from confirming with XXXX. 

Mastercard XXXX XXXX XXXX XXXX XXXX XXXX PA, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Good Day, On XX/XX/XXXX I initiated an international wire transfer through Navy Federal. The representative who I spoke with incorrectly used the incorrect SWIFT code, a P was added to the code which has since caused undue hardship on my family. The funds should have been delivered on XX/XX/XXXX latest and as of to date no one seems to know where these funds are.

I have repeatedly contacted Navy Federal on the following dates XXXX and today XX/XX/XXXX. No one can give me a valid response other than they are waiting on the receiving bank to respond to their request and return the funds. However, in the meantime I am out of {$6000.00} through no fault of my own. 

On XX/XX/XXXX I received an e-mail from Navy Federal returning the {$25.00} fee that was charged to me for the wire transfer advising me that they are still researching the lost funds. Please keep in mind this is not my error but the error of Navy Federal in sending the funds to the incorrect SWIFT code. For me to be held responsible for their error seems unfair and not ethical. If one of my employees makes an error on an account I am held liable and must make it right for the customer. The loss of {$6000.00} has now placed an undue hardship on my family as my husband is unable to purchase the equipment he needs to complete his job.

I know banks are federally insured and that I have 180 days to dispute my concerns. Again, I do not think it is fair that I am held responsible for something that is not my fault and that is why I am writing to you with my concern in the hopes for a resolution to this problem.

I believe I have given Navy Federal ample time to resolve this matter due to their negligence. It does not matter to me how they resolve issues between banks I just need these funds return to my account. 

Thank you for your time XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX XXXX XXXX  sent me a letter stating a Bank of America account had been placed with their company for collections. The debt listed in the letter was for the amount of {$3000.00}. 

I have never before applied for my own Bank of America credit card and therefore believe this debt to be invalid. 

On XX/XX/XXXX, I sent XXXX XXXX XXXX XXXX a certified letter asking for additional information about the account and to provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt. I specifically asked them to provide a copy of the written agreement that created my original requirement to pay as well as a copy of the billing statement sent to me by the original creditor. I also asked them to provide details about their authority to collect this debt such as their debt collection license information. 

On XX/XX/XXXX I received a response from XXXX XXXX XXXX XXXX. They included a photocopy of what they claim to be billing statements sent to me from Bank of America between XX/XX/XXXX to XX/XX/XXXX. These statements have my name and address on them, but I never once received them. In addition, the statements show payments were made on XX/XX/XXXX ( {$160.00} ), XX/XX/XXXX ( {$350.00} ), and XX/XX/XXXX ( {$150.00} ). I would like to know who made these payments and what account they came from because it was not from my bank account. Also, these statements do not have one single charge on them toward the original debt in question. It only shows the debt amount and the monthly fees & interest charged throughout the year which have now increased the debt from {$2600.00} in XX/XX/XXXX to the {$3000.00} that is said to be owed today. I don't understand how they can claim I owe this debt without showing me a single one of the charges they claim are past due. They also failed to include a copy of the original written agreement showing it was indeed me who opened the card and that I agreed to the terms and conditions and my requirement to pay. Finally, XXXX XXXX XXXX XXXX did not provide any information regarding their license and their authority to collect this debt.

It is of my opinion the credit card statements they provided are falsified to look as if they were originally sent to me. Each statement provided is a copy and double sided, however, on some of the statements, the dates do not match what is on the front versus the back. For example, one statement is dated on the front as XX/XX/XXXX - XX/XX/XXXX, but on the back of the page the date is listed as XX/XX/XXXX - XX/XX/XXXX. On another one of the statements, the front is dated XX/XX/XXXX - XX/XX/XXXX while the back is dated XX/XX/XXXX - XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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: AL

Complaint narrative:
EXPERIAN you continue to break FEDERAL LAW!! You are lying saying you verified something when you have not. I've verified with everybody who you can verify with, and I will not let this go on any longer. After this, I will no longer go back and forth with your negligence to comply with the laws you are breaking. I will file a FEDERAL COMPLAINT with the United States if this issue doesn't get resolved this time. Since XXXX I have been disputing with proof that bankruptcies you keep saying are verified without proof is not accurate. I demand as the Orginal Creditor/Natural person these accounts US BKPT CT AL XXXX XXXX and XXXX be removed immediately. I will seek remedy if this doesn't get taken care of this time because pursuant to 15 U.S.C 1681a ( 4 ) I have a right to privacy and you are breaking that law. According to 15 U.S.C 1681a ( 2 ) ( i ) report containing information solely as to experience is to be excluded from my consumer report, you are breaking the law. Pursuant to 15 U.S.C 1681a ( k ) this is also adverse to the interest of the consumer, you are breaking the law. 

THIS IS CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE. I will not go back and forth after this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Uplift, Inc
State: NC

Complaint narrative:
Two Inquiries from Uplift show on my XXXX  credit report.

Company response to consumer: Closed with explanation