vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-12 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: EQUIFAX, INC.
State: FL

Complaint narrative:
These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: KEYCORP
State: NY

Complaint narrative:
On or about XX/XX/21 I submitted application for a lower rate for my business XXXX XXXX, Key bank was processing a 1st mortgage on a residential property and the branch manager XXXX XXXX XXXX had offered a quote for my commercial property refinance. I submitted {$500.00} good faith deposit. The residential loan did not go as planned and was managed unprofessional and caused undue stress. I decided to withdraw my application on XXXX and requested a refund by email and was declined by Key bank. The reason for the withdraw was due to the unprofessional way the residential loan process was managed and did not want to continue my relationship on the commercial lending side. 
As a local business and account holder I am requesting the refund of the {$500.00}. If the residential loan was managed professionally I would have continued the process in goo faith. In my opinion the bank did not hold up to the good faith. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: COLLECTION ASSOCIATES, LTD.
State: WI

Complaint narrative:
Called and left a message with the said company asking for validation didn't receive anything from them for about a month. Another letter was sent from a said company called them again and asked if they could send information to me again and told them about the previous message left for them to send validation instead they sent a letter asking for money from a company that I didn't recognize. They have now asked me to pay money from three different companies without any validation. They have only sent me a payment schedule not only that they have hung up on me while trying to get more information about the said debt. I do not agree with their tactics on collecting a debt or trying to solve an issue with the person who may be responsible for said debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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: EQUIFAX, INC.
State: TX

Complaint narrative:
These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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: NV

Complaint narrative:
On XX/XX/2021 there was a transfer of {$2300.00} from my Bank of America XXXX debit card. I did not make that transfer. BofA said they investigated my claim twice and they say that I made the transfer ( see attached letter from BofA ) and I should try to collect it from the person I sent it to. 
I asked for copies of the of the paperwork they ( The denial letter said I could request that paperwork ) used to come to their conclusion. I still have nothing. 

They just denied it for the third time. When I did the police report they said I had identity theft. The person or persons also got into my XXXX XX/XX/XXXXfor almost {$900.00} but it Ive already been reimbursed for that if Bank of America is so sure of themselves to deny my claim three times, why wont they let me know what they used to make their decision? 
I dont know where to go now for help. 
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 2021-07-12 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:
I have filed a dispute in regards to the incorrect late payment on for credit report for XXXX XXXX XXXX. I have always paid my bills on time and my record on my credit report shows that. It has been well over 30 days and I haven't received any changes due to company error.

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 2021-07-12 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: TX

Complaint narrative:
Good Day! I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didn't have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed Identity theft/fraud because I did not give them the authorization to run my credit you can see them found attached. Please have these removed asap. I tried contacting them and sending letters and nothing was solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The Credit Bureaus Are Violating Your Rights by not following Federal Law As Authorized The Fair Credit Reporting Act REQUIRES the CRA 's ( Credit Reporting Agencies ) to have PHYSICAL COPIES of the contract documents we signed with creditors that they are reporting but they DON'T because everything they are reporting is transferred to them from the creditors electronically - not face to face or by mail. This means the CRA 's do not ever review and or verify any credit applications, signed contracts or any documents whatsoever before they report the items on your credit report. Fact is if I haven't been contacted by the bureaus and these accounts validated properly it is indeed FRAUD and I submitted these documents on XX/XX/XXXX and Several times prior to that. I have never filed Bankruptcy! 

Account Name : BANKRUPTCY CHAPTER XXXX Account Number : XXXX AMOUNT : $ NA Reason : Account is fraudulent Account Name : XXXX XXXX Account Number : XXXX AMOUNT : {$3600.00} Reason : Account is fraudulent Account Name : XXXX  XXXX XXXX Account Number : XXXX AMOUNT : {$6300.00} Reason : Account is fraudulent Account Name : XXXX  XXXX XXXX  Account Number : XXXX AMOUNT : {$8500.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX AMOUNT : {$26000.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX  AMOUNT : {$500.00} Reason : Account is fraudulent Account Name : U S DEPT OF EDXXXX Account Number : XXXX AMOUNT : {$3900.00} Reason : Account is fraudulent Account Name : U S DEPT OF EDXXXX Account Number : XXXX AMOUNT : {$3000.00} Reason : Account is fraudulent Account Name : U S DEPT OF EDXXXX Account Number : XXXX AMOUNT : {$3800.00} Reason : Account is fraudulent Account Name : U S DEPT OF ED/XXXX Account Number : XXXX AMOUNT : {$5400.00} Reason : Account is fraudulent Account Name : U S DEPT OF EDXXXX Account Number : XXXX AMOUNT : {$5600.00} Reason : Account is fraudulent Account Name : U S DEPT OF EDXXXX Account Number : XXXX AMOUNT : {$3000.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  AMOUNT : {$7500.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$290.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX AMOUNT : {$760.00} Reason : Account is fraudulent Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2021-07-12 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: GA

Complaint narrative:
The Credit Bureaus Are Violating Your Rights by not following Federal Law As Authorized The Fair Credit Reporting Act REQUIRES the CRA 's ( Credit Reporting Agencies ) to have PHYSICAL COPIES of the contract documents we signed with creditors that they are reporting but they DON'T because everything they are reporting is transferred to them from the creditors electronically - not face to face or by mail. This means the CRA 's do not ever review and or verify any credit applications, signed contracts or any documents whatsoever before they report the items on your credit report. Fact is if I haven't been contacted by the bureaus and these accounts validated properly it is indeed FRAUD and I submitted these documents on XX/XX/XXXX and Several times prior to that. I have never filed Bankruptcy! 

Account Name : BANKRUPTCY CHAPTER XXXXDISCHARGED Account Number : XXXX AMOUNT : $ NA Reason : Account is fraudulent Account Name : XXXX XXXX Account Number : XXXX AMOUNT : {$3600.00} Reason : Account is fraudulent Account Name : XXXX  XXXX XXXX  Account Number : XXXX AMOUNT : {$6300.00} Reason : Account is fraudulent Account Name : XXXX  XXXX XXXX  Account Number : XXXX AMOUNT : {$8500.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX AMOUNT : {$26000.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX  AMOUNT : {$500.00} Reason : Account is fraudulent Account Name : U S DEPT OF ED/XXXX Account Number : XXXX AMOUNT : {$3900.00} Reason : Account is fraudulent Account Name : U S DEPT OF ED/XXXX Account Number : XXXX AMOUNT : {$3000.00} Reason : Account is fraudulent Account Name : U S DEPT OF ED/XXXX Account Number : XXXX AMOUNT : {$3800.00} Reason : Account is fraudulent Account Name : U S DEPT OF ED/XXXX Account Number : XXXX AMOUNT : {$5400.00} Reason : Account is fraudulent Account Name : U S DEPT OF ED/XXXX Account Number : XXXX AMOUNT : {$5600.00} Reason : Account is fraudulent Account Name : U S DEPT OF EDXXXX Account Number : XXXX AMOUNT : {$3000.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXXXXXXXXXXXXXXXXXX AMOUNT : {$7500.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$290.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX AMOUNT : {$760.00} Reason : Account is fraudulent Inquiries : XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Credit Karma, LLC
State: CA

Complaint narrative:
Since XX/XX/XXXX I have requested to receive my XXXX statement, information on the fraudulent findings to file a police report, fraudulent charges to dispute, and other refunds that were accepted by credit karma but not refunded to me? 

My account was closed on XX/XX/2021 by credit karma without notice. Yet refunds and direct deposits are still being accepted by credit karma. 

I have been locked out of my online account and now completely deactivated by credit karma. Blocking me from looking at any of my statements and money account to verify what is owed or any transaction history. 

This has left me with unpaid rent, insurance policies canceled, and the inability to buy basic needs. Stealing from their own consumers is criminal. 

I have attempted numerous times to resolve this and have been left with unanswered calls and emails. I've been told the department that can help me is unreachable by phone only email which never follows up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have not received investigation results after I submitted my dispute letters to the credit bureaus several times. These are the accounts : XXXX XXXX Account # : XXXX | XXXX  XXXX Account # : XXXX | Dismissed Chapter XXXX Bankruptcy Reference # : XXXX | Dismissed Chapter XXXX Bankruptcy Reference # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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: EQUIFAX, INC.
State: NY

Complaint narrative:
This accounts has been disputed several times yet I have not received any response from the credit bureaus : XXXX XXXX Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
According to reviews at the XXXX, this happens to thousands of consumers with this bank! ***** XX/XX/2021 Last charge on card at XXXX  ( Store credit card ) ***** XX/XX/2021 I paid my full balance of $ XXXX XX/XX/2021 I am charged {$3.00} late fee ***** XX/XX/2021 I am charged {$2.00} minimum interest charge***** XX/XX/2021 I again, paid off my balance $ XXXX XX/XX/2021 I am being charged {$2.00} minimum interest***** XX/XX/2021 I am charged {$2.00} Late fee***** XX/XX/2021 AGAIN a minimum interest charge of $ XXXX XX/XX/2021 Paid off balance AGAIN***** XX/XX/2021 {$2.00} minmum interest charge***** XX/XX/2021 Paid off AGAIN***** Support was of no help and responded wit bogus answer

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: KY

Complaint narrative:
I sent a check for XXXX check # XXXX. Was my loan balance. Sps company managing loan destroyed check check was dated XXXX.They told me i needed an pay off amount. They sent me a pay off amoumnt of {$40000.00}. That was good until XX/XX/2021. I sent another check for {$40000.00}. And it was delivered on om XX/XX/2021. I have a mail recept that check was delivered on XX/XX/2021 AND IT WAS DELIVERED TO PAY OFF DEPT. SIGNED BY XXXX XXXX.As of today I have not heard anything from SPS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This accounts has been disputed several times yet I have not received any response from the credit bureaus : XXXX XXXX Account # : 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 2021-07-12 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This accounts has been disputed several times yet I have not received any response from the credit bureaus : XXXX XXXX Account # : 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 2021-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIRSTBANK PUERTO RICO
State: PR

Complaint narrative:
Two unauthorized transactions : XX/XX/2021 - {$130.00} XX/XX/2021 - {$4.00} We request to the Bank an investigation due to this transaction were not realized by me through the XXXX with Logo of VISA. The Bank determined that this request does not proceed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

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 2021-07-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have not received investigation results after I submitted my dispute letters to the credit bureaus several times. These are the accounts : XXXX XXXX Account # : XXXX | XXXX  XXXX Account # : XXXX | Dismissed Chapter XXXX Bankruptcy Reference # : XXXX | Dismissed Chapter XXXX Bankruptcy Reference # : 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 2021-07-12 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have not received investigation results after I submitted my dispute letters to the credit bureaus several times. These are the accounts : XXXX XXXX Account # : XXXX | XXXX  XXXX Account # : XXXX | Dismissed Chapter XXXX Bankruptcy Reference # : XXXX | Dismissed Chapter XXXX Bankruptcy Reference # : 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 2021-07-12 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I started disputing invalid information on my credit report on XX/XX/XXXX ; since that time, I have submitted a dispute again on XX/XX/XXXX, XX/XX/XXXX and again just on XX/XX/XXXX. Neither of these times so far, have ANY of the bureaus responded to my disputes to advise what steps their taking or that they're even taking any steps!

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 2021-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Netspend Corporation
State: IA

Complaint narrative:
This week, my child who is XXXX received a debit/credit card in the mail. It claims " We received your name and address because you have previously been our customer. This card was not sent to you in response to an application. No credit report has been or will be obtained in connection with this prepaid card offer. '' It is from Brinks Money/Netspend and funded by XXXX XXXX XXXX  XXXX. It has a XXXX XXXX  account number and routing number associated with the card. I attempted to contact multiple numbers for Brinks Money and they are all automated with no way to contact a real person. I did reach out to XXXX XXXX and spoke with someone there and they said I would have to contact Brinks and I explained that I couldn't get ahold of anyone there. She asked if I expected a Child Tax Credit from the IRS and said it is possible this card came from the IRS. I don't know who to contact about my child receiving a debit card in the mail, some middle schoolers/teens would open the mail and activate the card and start using it without any parental consent. This company should NOT be sending prepaid debit cards to children under XXXX unless the parent has requested it, which I did not.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation