vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau ( CFPB ), I hope this message finds you well. I am writing to seek your assistance regarding a promotional offer provided by my credit card issuer. The details of the promotion were as follows : Offer Description : Spend at least {$1000.00} on net purchases by XX/XX/year>, and receive {$200.00} bonus cash rewards. 


I have fulfilled the requirements of this promotion by spending the requisite amount {$1000.00} within the specified timeframe. However, despite meeting the terms, I have not yet received the promised {$200.00} bonus cash rewards. I have attempted to resolve this matter directly with my credit card issuer, but the issue remains unresolved. Additionally, I have spent over two hours of my time trying to address this issue, without any success or clear resolution from the issuer. 

Relevant Details : Credit Card Issuer : BOA Account Number : XXXX 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 monetary relief
Consumer complaint received 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$12000.00} Status Account charged off. {$12000.00} written off. {$12000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$2200.00} Status Open. {$80.00} past due as of XX/XX/XXXX. 
XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$2200.00} Status Collection account. {$2200.00} past due as of XX/XX/XXXX. 
The Fair Credit Reporting Act ( FCRA ), section 605B states that the credit bureaus are required to block any and all information from appearing on your credit report that is a result of identity theft or fraud.

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 2024-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My account with EQUIFAX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful nonco
mpliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-11-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
My mortgage company, NewRez, accidently sent me an overage payment last year which I promptly returned to them ( within a 3 days ) as it was a mistake on their end. When they reassessed my escrow account this year they factored in additional escrow funds based on them paying me the overage because it made it appear that additional escrow funds were required to cover the full amount of escrow. This resulted in my mortgage payment increasing dramatically. I have called them numerous times over the course of several months. The representatives all confirm they can see the error and I have also provided proof that my insurance payment is XXXX of what they assessed it at based on the prior year 's insurance payment plus the overage amount. They tell me it will be reassessed and they will send me back the money I have paid due to the increase in my payments that were caused by this error. They reassessed my escrow amount this month and are still factoring in additional escrow based on their mistake last year and is still resulting in my mortgage being more than it should be.

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 2024-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: ND

Complaint narrative:
I have a US Bank XXXX XXXX XXXX credit card. On XX/XX/year> I used XXXX points to book a flight via the USBank rewards travel center. I also used my credit card for part of the transaction. I cancelled the booking within 24 hours so should have received a full refund of both points and credit used. The credit used was refunded fully as expected. Only XXXX points were refunded. I have called three times and keep getting the run around. Im missing XXXX points, which converts to around {$330.00}. Ive spent hours on the phone with people at the bank who keep promising to return my points, but nobody takes any action. Im out over {$300.00} in points and hours of time and US Bank can not complete a simple refund. Ive asked the bank to return the XXXX points but nobody is able to actually help. I can provide the transaction history from my credit card and rewards statement as required.

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 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am XXXX XXXX, a woman and a consumer who is a victim of identity theft. Someone has stolen and compromised my identifying information causing my credit standing to be damaged. My credit reports with XXXX XXXX, XXXX, and Equifax have all been compromised due to the theft, and there are accounts being reported that include negative information as a result of the ID Theft. The accounts are : XXXX XXXX/Fraudulent amount : {$10000.00}, XXXX XXXXFraudulent amount : {$18000.00}, XXXX XXXX/Fraudulent amount : {$17000.00}, and XXXXFraudulent amount : {$1300.00}. I have filed an identity theft report and seeking remedy for the compromised accounts to be permanently deleted from my credit reports from all three credit reporting agencies. I need these accounts to be blocked, deleted, and removed from my credit report within 4 business days as required under FCRA Section 605B. I do not known anything about the crime or the suspect. I just want my credit standing restored. Please see my attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am XXXX XXXX, a woman and a consumer who is a victim of identity theft. Someone has stolen and compromised my identifying information causing my credit standing to be damaged. My credit reports with XXXX XXXX, Experian, and XXXX have all been compromised due to the theft, and there are accounts being reported that include negative information as a result of the ID Theft. The accounts are : XXXX XXXX amount : {$10000.00}, XXXX XXXX amount : {$18000.00}, XXXX XXXX amount : {$17000.00}, and XXXXFraudulent amount : {$1300.00}. I have filed an identity theft report and seeking remedy for the compromised accounts to be permanently deleted from my credit reports from all three credit reporting agencies. I need these accounts to be blocked, deleted, and removed from my credit report within 4 business days as required under FCRA Section 605B. I do not known anything about the crime or the suspect. I just want my credit standing restored. Please see my attached documents.

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 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
There are 4 accounts showing on my credit report. The accounts are with XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX. I DID NOT apply for any credit with this company. I am reporting this as FRAUD. When I called the company the could not find the account using my phone number or the partial account numbers experian is showing on my report.XXXX, XXXX, XXXX and 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 2024-11-15 00:00:00
Product: Credit reporting 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: NJ

Complaint narrative:
This debt is considered a charge off. However, this is actually considered income because i should have received a 1099c in order to account for this as income. This is not a charge off. I'm requesting that is removed because it is not debt. This is considered income and income should not be reporting on your credit report. 
Account name XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX Company sold ( XXXX 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 non-monetary relief
Consumer complaint received 2024-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
On XX/XX/year> I sent Barclays Bank a dispute letter requesting a 1099 c to remove the charge off inaccuracy on my credit reports. 

They replied back but did not provide the IRS FORM that was requested nor did they provide proof of the debt.

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 2024-11-15 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
This company by the name of Resurgent Debt Collector keep on calling me and leaving text messages and voice messages on my cell phone : I am not sure who this company is and what debt that they are trying to collect from me. The text message states : XXXX we've been trying to reach you. Call us at XXXX or visit XXXX. The voicemail messages states : This is Resurgent Capital Servies a debt collection company. We want to touch base again regarding your account with that we have not received payment from you, and we understand that life can be busy. We are here to help you find a solution that works for you. Please contact our customer care team at ( XXXX ) XXXX or visit XXXXresurgent.comXXXX. We would love the opportunity to help you try to find financial freedom and hope to hear from you soon. This is an attempt to collect a debt and any information obtained will be used for that purpose. I do not have any business with this company. In email stated from the name of XXXX that Resurgent bought an old debt from XXXXXXXX XXXX XXXX  and then the company bought the debt from LVNV Funding LLC. XXXX. Also, I have received overwhelming collections letter almost every week from that owe them money in the amount of {$980.00}. It has been a threat to report on my all three of my credit reports, a lawsuit and to have me served at my job.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
Ref : Complaint ID # XXXX XXXX & XXXX : The above referenced complaints have been resolved in the following manner : I have received credits to the account for the duplicate delivery and subsequent return. Logically, the transaction should have cleared the account but now I am being invoiced for late fess, penalties, and interests for the duplicate purchase. I have explained to Citi that the account should register a XXXX balance but I am still being invoiced. 

In addition, a " behind in payment notices as '' as well as " late payment fees and penalties '' have been reported to the Credit Bureaus and as a result my credit score has very noticeably fallen.

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 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
RESURGENT/LVNV FUNDING Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/year> Status Collection account. {$880.00} past due as of XX/XX/year>. 
Status updated XX/XX/year> Balance {$880.00} I requested multiple times to be removed from my credit report this account does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: DISCOVER BANK
State: FL

Complaint narrative:
On or about on XX/XX/year>, company XXXX XXXX XXXX has violated 15 usc 6802. I did not consent nor have i ever AUTHORIZED to disclose my personal information to nonaffiliated third party. This has caused me significant harm and ive been financial damaged which for reason for this dispute. XXXX XXXXXXXX XXXX can not and will provide any proof to me the consumer with disclosure that such information may be disclosed to such a third party. Finally I the consumer XXXX XXXX was not given the opportunity to direct the institution not to disclose my personal information without my authorization. 

Finally I am ordeing institutions to remove all negative experiences, that mean late payment, credit inquirys and etc. That is a blatant violation of 15 usc 1681a. Credit utilization is EXCLUDED from the consumer report as well as late payments. 

AUTHORIZATION TO DISCLOSE WAS NEVER AUTHORIZED. PERMISSSION WAS NEVER GIVEN!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
This complaint is that Equifax removed and then re-entered excess, abusive, and fraudulent collections from XXXX XXXX  The report also exceeds Statutes of Limitations. 

XXXX pulled my credit reports and found that they contained lots of fraud. 
This included Equifax Report Confirmation XXXX XXXX wrote a letter to Equifax disputing the fraudulent reports. 
This included XXXX XXXX, a report from XXXX. 

XXXX created a report with IdentifyTheft.gov, which included the XXXX XXXX 

XXXX This Equifax report shows XXXX XXXX removed. Report Confirmation XXXX I received XXXX dispute result correspondence via email, mail and nothing much shows on equifax.com XXXX This Equifax reports shows XXXX XXXX  removed. Report Confirmation XXXX I received XXXX dispute result correspondence via email, mail and nothing much shows on equifax.com XXXX Equifax Re-entered the XXXX XXXX  on my reports. 
I received XXXX dispute result correspondence via email, mail and nothing much shows on equifax.com XXXX I sent Equifax a second, follow-up dispute letter about XXXX XXXX  disputing demanding method of verification. 

XXXX Equifax entered into XXXX XXXX the XXXX XXXX. 

The other credit bureaus have removed these collections

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I wrote a {$10000.00} check to my daughter from my XXXX account on XX/XX/year>. When she tried to deposit the check in her Citizens account on XX/XX/year>, it was flagged as fraudulent. In a letter dated XX/XX/year> from Citizens to my daughter ( and account holder ), they state the funds are on hold until XX/XX/year> and they froze her account. On XX/XX/XXXX, she contacted Citizens and they claimed they wouldn't have more information until XX/XX/year>. Since the money already was withdrawn from account, this meant my {$10000.00} was in limbo for over 2 months. I called XXXX and the representative said there was no issue on their side and gave me a phone number for their fraud dept for Citizens to contact to obtain confirmation and documentation that the funds were there and the check was not fraudulent. My daughter and I contacted Citizens on MULTIPLE occasions together to confirm the authenticity of the check and to provide them with the XXXX phone number to gain confirmation. They were not receptive and continued to state that my daughter 's account would be frozen until XX/XX/year>. This is completely unacceptable as we tried every means to provide Citizens with objective evidence of the authenticity of this check and they rejected all our attempts AND kept the {$10000.00} in the meantime. My daughter 's account has also been frozen this entire time which is a hardship for her. I understand they are protecting people from fraud, but if we provided information and documentation to ensure this check was authentic, they should work with their customers to ensure better service. This {$10000.00} is going to pay down a car loan so now additional interest has been added to my daughter 's car loan.

Company response to consumer: Closed with explanation