vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
This is XXXX XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. This company is currently showing 30 - 60 days late for the month of XXXX to XXXX and XXXX 2018. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-05 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On XXXX I initiated a CFPB complaint ( XXXX ) against the Bank of America concerning what appears to be 2 fraudulent charges against my credit card via XXXX. On XX/XX/XXXX I received BOA 's response which is logically inconsistent, and does not appear to close the loop on the matter. I received correspondence from BOA and discussed the matter with a BOA Resolution Specialist. CFPB closed the case, however, based on the BOA 's response, I am lodging a new complaint. 

On XXXX/XXXX/XXXX two separate charges were submitted to my account in the amount of {$61.00} and {$66.00} from the merchant XXXX XXXX. These charges were disputed, and were refunded. Subsequently, based on information submitted by the vendor, the refund of {$61.00} was rescinded. 
( 1 ) The first question which begs explanation : of the two charges submitted by XXXX XXXX on the same day, why did the BOA agree that one charge was fraudulent but the other not?

( 2 ) I was informed by the BOA that their claims department determined that the {$61.00} charge was for " online guitar lessons. '' I have no recollection of these lessons, and for my sake and the BOA 's, these " lessons '' should be verified. Despite all the documentation concerning these charges available to BOA, it is unable or unwilling to provide me the precise name of the merchant who alleges these services for which he/she was paid. I have no recollection of purchasing this service, and would like verification from the vendor the nature of the service I allegedly received. 

( 3 ) The response letter from BOA dated XX/XX/XXXX details that the transactions submitted from XXXX were from the merchant, " XXXX. '' Of concerning this merchant name does not appear on my BOA Visa Billing Statements or XXXX statement. The merchant recorded on these statements is, " XXXX XXXX. '' This is inconsistent and incongruous. Why? 

( 4 ) I was advised by the BOA resolution specialist to call XXXX for more information about the vendor. I did so, and was told that they could not ( or would not ) offer more specific demographic information about the merchant. 

It is inconceivable to me, the consumer, that BOA acting on my behalf with XXXX, can approve transactions for which I am eventually liable, without the ability or responsibility to provide me with the name of the merchant to whom I am eventually beholden. 

Thanks for reopening this inquiry.

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 2021-11-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: BlueChip Financial
State: TX

Complaint narrative:
A company. Claiming to a debt collector called my employer. When called them they said they wouldn't stop unless I agreed to something with them without proof of debt.

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 explanation
Consumer complaint received 2021-11-05 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: SC

Complaint narrative:
XXXX XXXX XXXX Is practicing Unfair means to collect a debt. XXXX XXXX XXXX is using two different accounts to numbers on my credit reports. 
Equifax has different account number than XXXX and XXXX. 

This is clearly inaccurate report. XXXX XXXX XXXX is violating several laws 15 USC 1692F A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.

( 2 ) The acceptance by a debt collector from any person of a check or other payment instrument postdated by more than five days unless such person is notified in writing of the debt collector 's intent to deposit such check or instrument not more than ten nor less than three business days prior to such deposit.
( 3 ) The solicitation by a debt collector of any postdated check or other postdated payment instrument for the purpose of threatening or instituting criminal prosecution.

( 4 ) Depositing or threatening to deposit any postdated check or other postdated payment instrument prior to the date on such check or instrument.

( 5 ) Causing charges to be made to any person for communications by concealment of the true purpose of the communication. Such charges include, but are not limited to, collect telephone calls and telegram fees.

( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if -- ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement.

( 7 ) Communicating with a consumer regarding a debt by post card.

( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
Money Network card expired in XX/XX/2021, checked to find existing balance. online checked and found the following transaction - XXXX XX/XX/2021 ( {$81.00} ) Close Account XXXX XXXX. called XX/XX/2021 to get the replace card but explained that funds were returned to the purchaser, which is my employer. contacted the employer, gotten informed that funds never get to returned back to the purchaser.

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 2021-11-05 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 — Problem with personal statement of dispute
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
In XX/XX/2021 I called to see about a payment deferral for one month. The customer service representative ( who seemed new ) said they could do the deferral and all I would have to do is electronically sign an agreement and it would be done. They emailed me the agreement which I signed and thought it was accomplished. In XXXX I found out my Credit Score dropped significantly and found out it was because KIA Finance reported I missed a payment. I have had a perfect payment history with KIA for 71 months. ( Contract recently paid off ) I tried calling KIA Finance but was always disconnected. Wrote a letter explaining dispute. They sent a form letter saying it was investigated and found no resolution. I filed disputes with all Credit Bureaus with no remedy. Finally had an attorney send a certified letter requesting an investigation and simple remedy of honoring the deferral and correcting credit reporting with no response after a month.

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 2021-11-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
This is XXXX XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The particular account ( MACYS/DSNB XXXX ) that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to the 3Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. 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 2021-11-05 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: NC

Complaint narrative:
Recently i received a copy of my Equifax credit report and noticed multiple inquires unauthorized inquiries i did not authorize from unknown sources, i did not give permissible purpose for Equifax or any one else to run my credit, i did not apply for loans or any credit cards. Equifax gave credit card companies access to my credit report without my person. I dispute this several times in the few months, i would get an instant result saying the dispute has been resolved, but when i access my credit file nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have called and repeated explained to Transunion I was A victim of identity theft which resulted in several hard inquiries that are all fraudulent. I have reached out to the companies listed and they have all informed me to file A dispute with the credit bureaus. When I called the credit bureaus I was told to contact the creditors. I have now added A freeze to my account and changed all passwords as someone had access to my information and was using it. Since I have changed all passwords and would like to have all inaccurately reported hard inquiries removed. There are 24 hard inquiries showing total. Some of them even show 3 and 4 pulls in the same day from the same companies. I have listed below the inquiries i am requesting be disputed along with the dates. Addionally I have attached my social security card and drivers license for security. 


XXXX XXXX & XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX- XX/XX/XXXX & XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, ( multple for same dates XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX , XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX 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 2021-11-05 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: MS

Complaint narrative:
I have sent out numerous disputes trying to remove inaccurate names, addresses, and accounts from my credit profile. 
This request has been denied and I would like these inaccurate information to be REMOVED : DATE DISPUTED XXXX IN XXXX, EQUIFAX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX COLLECT IN XXXX AND XXXX XXXX XXXX XXXX XXXXXXXX XXXX IN EQUIFAX XXXXXXXX XXXX XXXXXXXX Untitled { Collection/Chargeoff , Medical Subject has not satisfied debt. }

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Back in XX/XX/XXXX I had a banking account with Bank of America. My purse was stolen off the bus, I contacted them and told them my purse was stolen. they then closed my account for suspected fraud alert for the amount of {$1.00}. I havent committed any fraud this is false information and it is stopping me from getting a bank account anywhere I cant open a XX/XX/XXXX account nor checking account. This is have been a big problem in my life it has caused XXXX. I have a XX/XX/XXXXand kids and i did not commit any fraud and I need this off my report Now. I will not be accused and penalized for something I didnt do

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 2021-11-05 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: VW Credit
State: FL

Complaint narrative:
This is XXXX XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 
VW CREDIT XXXX XXXX Opened Date XX/XX/2018 Balance {$9900.00} // Charge Off

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LD Holdings Group, LLC
State: CO

Complaint narrative:
I am having a hardship as a result of covid XXXX. I have a loanm owned by XXXX XXXX and serviced by Loandepot. Loan depot refuses to offer and deferment plan. I called on XX/XX/21 and requested a cares act covid hardship deferal. I was told loandepot is not offering any deferments. I believe this is in violation of the cares act. 

Loan Depot Account # XXXX XXXX XXXX Mortgage address - XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Recently i received a copy of my XXXX credit report and noticed multiple inquires unauthorized inquiries i did not authorize from unknown sources, i did not give permissible purpose for XXXX or any one else to run my credit, i did not apply for loans or any credit cards. XXXX gave credit card companies access to my credit report without my person. I dispute this several times in the few months, i would get an instant result saying the dispute has been resolved, but when i access my credit file nothing has been done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-05 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: CITIBANK, N.A.
State: NC

Complaint narrative:
Recently i received a copy of my XXXX credit report and noticed multiple inquires unauthorized inquiries i did not authorize from unknown sources, i did not give permissible purpose for XXXX or any one else to run my credit, i did not apply for loans or any credit cards. XXXX gave credit card companies access to my credit report without my person. I dispute this several times in the few months, i would get an instant result saying the dispute has been resolved, but when i access my credit file nothing has been done.

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 2021-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX, I noticed that my access code was changed, I recovered my password via text message. 
On XX/XX/XXXX, my access code was modified again, again I recovered my password. I was able to enter the bank 's app. 
When entering the bank 's app, I noticed that on XX/XX/XXXX and XXXX the amount of {$4900.00} was subtracted from my savings account in two XXXX transactions, on the XXXX for XXXX and on the XXXX for XXXX ( I HAVE NOT AUTHORIZED ANY OF THE XXXX TRANSACTIONS ) I called the fraud department and made the report once I noticed that I had been a victim of theft. 
On several occasions a stranger has entered my account making password changes, including phone numbers that I have not authorized, I have reported via email messages on behalf of the bank that seem fraudulent. 
The bank determined that my case did not proceed because according to its investigation these transactions were made from my cell phone ( which is not the case ). 
I need help to carry out a deeper investigation, I want to know what is happening and who is doing 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 monetary relief
Consumer complaint received 2021-11-05 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: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
American Express continues to show my account as late, as of XX/XX/2021. I have confirmation of payment in writing from them from XX/XX/2021. I have opened a dispute, but they refused to fix the errors. This has caused my credit to drop 45 points as they have it incorrectly marked as " currently late ''. They also have it marked as overdrawn/overused, but the amount I paid on XX/XX/2021 should have brought that carrying balance well below my limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: FL

Complaint narrative:
This is XXXX XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Despite the multiple previous written requests, the Enhanced Recovery Company , LLC ( Original Creditor : XXXX  still remains on my credit report in violation of Federal Law. The 3 Credit Bureaus failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 
Enhanced Recovery Company , LLC ( Original Creditor : XXXX XXXX XXXX Opened Date : XX/XX/2021 Balance : {$140.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SinglePoint GI
State: GA

Complaint narrative:
Credit Reporting Agencies and Collection Agencies violated the Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 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: Southwest Credit Systems, L.P.
State: MA

Complaint narrative:
XXXX XXXX continues to show my account as late, as of XX/XX/2021. I have confirmation of payment in writing from them from XX/XX/2021. I have opened a dispute, but they refused to fix the errors. This has caused my credit to drop 45 points as they have it incorrectly marked as " currently late ''. They also have it marked as overdrawn/overused, but the amount I paid on XX/XX/2021 should have brought that carrying balance well below my limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 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: MI

Complaint narrative:
On XX/XX/2021 I called TransUnion.com 7 times and was unable to get into my XXXX account account. I have been hung up on and dismissed because they are unable to repair their system issues! 

I am still unable to see my credit information and I want to have access to my accont ASAP! 

Thank you for your help in this matter. 

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