vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-14 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:
This XXXX  XXXX, account no. # XXXX was opened in XXXX and it was closed in XXXX by the creditor and no payments were made on it since that time. I started disputing this account in XXXX with XXXX XXXX and based on the date of activity in XXXX this account became obsolete and should have been automatically removed in XXXX. I disputed this account again in XXXX with Transunion, XXXX, and XXXX  and still received no results. They keep passing this account on leaving it open.

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 2020-11-14 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:
This XXXX  XXXX, account no. # XXXX was opened in XXXX and it was closed in XXXX by the creditor and no payments were made on it since that time. I started disputing this account in XXXX with XXXX XXXX and based on the date of activity in XXXX this account became obsolete and should have been automatically removed in XXXX. I disputed this account again in XXXX with XXXX, XXXX, and Equifax and still received no results. They keep passing this account on leaving it open.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am very frustrated at Bank of America for the way that they have decided to terminate my longstanding credit accounts with excellent payment history. 

I opened up my first Bank of America credit card in College in the early 2000 's, and I manage this account for almost 20 years and built a credit limit of 20K+ with bank of america . Eventually I even opened up another credit card with Bank of America and also enjoyed my relationship with Bank of America. 

This summer, I had an unfortunate incident that compromised my bank account, which caused the automatic drafts scheduled with Bank of America to be returned. I did not become aware of this until the Bank of America account was over 30 days past due, and only when I saw the late pay report on my credit report. I immediately rectified the issue, paid the account off and felt terrible. The fraud that I was experiencing really took a toll on my time and resources that I spent months trying to control the fraud from getting worse. 

Plus, I had recently paid this account off IN FULL, and so I did not believe or have any reason to think I needed to worry about Bank of America since my balance was XXXX. This is what is really irritating, as somehow Bank of America calculated that I owed them {$1.00}, and tried to charge my account for that month. This payment was returned, so bank of america began to assess " return payment '' fees and late fees, this building this balance up to $ 100+ dollars. Then to add insult to injury, they reported me late on my credit report. I am shocked that they think this is OK, as it is an egregious case of abusive and deceptive consumer practices I have ever seen. 

I informed Bank of America on several occasions that I was a victim of Bank Fraud and was experiencing issues. They assured me that my account would be OK since I quickly paid them. Well, sadly, they lied. They closed my long standing 20k+ credit line, and reduced the credit limit on my second credit card, and then later closed that account as well. 

I urge Bank of America, look at the rest of my credit card accounts on my credit report, they all have an excellent payment history. I have never had an incident of this nature and I have never been late in over 25 years of managing my personal credit. This was truly a one off event, and the knee jerk reaction of Bank of America to close my account after such a long term history with them is extremely unfair, unjust, and frankly something that I question if my name did not give away my ethnicity if Bank of America would have treated this differently.

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 2020-11-14 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: Expedite Financial, Inc
State: TX

Complaint narrative:
This XXXX  XXXX account no. # XXXX was opened in XXXX and it was closed in XXXX by the creditor and no payments were made on it since that time. I started disputing this account in XXXX with XXXX XXXX and based on the date of activity in XXXX this account became obsolete and should have been automatically removed in XXXX. I disputed this account again in XXXX with XXXX XXXX, and XXXX  and still received no results. They keep passing this account on leaving it open.

Company response to consumer: Untimely response
Consumer complaint received 2020-11-14 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
These accounts I have input in this report are not my accounts. Please remove them immediately. Thanks.

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 2020-11-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Kohls Bill Disputes : I DO NOT owe the balance of {$750.00} as of XX/XX/XXXX2020 or any other updated balance that Kohls currently alleges I owe for Account Number : XXXX due to the following : Kohl 's has NOT PROVIDED a SIGNED contract that has been requested several times on the several phone calls listed on the 2020 previous complaint I submitted to CFPB. 

Kohl 's has only provided a card agreement which is NOT a signed contract. 


Kohls received a CFPB XXXX XXXX # XXXX was received and replied to by Kohls that they were working on it. Kohls received my written bill dispute through certified mail - USPS. Tracking # XXXX ( confirms that it was delivered XX/XX/XXXX. @ XXXX with return receipt. I also called and spoke with several representatives on XX/XX/XXXX2020 to check on the status of the bill dispute surrounding the account in question. 

Despite the fact that Kohls is well aware of the written bill dispute that they have received, Kohls has continued to attempt collection on the account. When I called and spoke to XXXX and XXXX, they attempted to collect upon the account and stated that there was only a credit dispute amount noted on the account for XXXX/XXXX/20. The account with the disputed balance which Kohls alleges ownership to me, has not been placed into a bill dispute status. XXXX placed a request to place the account into forbearance status for XX/XX/XXXX2020 and XXXX 2020. He also stated he put in a request to credit another erroneously charged late fee of {$38.00}. I asked the representatives to note the confirmation # s and info of the written bill disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc.
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 response to consumer: Closed with explanation
Consumer complaint received 2020-11-14 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PlusFour, Inc
State: NV

Complaint narrative:
Plus Four Inc, made a statement as their reason for reporting and claiming the wrong amount that showed a partial payment was made on the account reporting. This statement was false and the original amount claimed was an attempt by the collection company to indicate that I made a partial payment and now has amount remaining. This is a fraudulent tactic to justify the claim. The company also adding interest on claim that was not a loan or direct service from the company for profit. This is illegal tactic showing a higher amount and reporting a partial payment from that amount that never took place.

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 2020-11-14 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:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 3 months later, I have not received a response yet. I know they are backed up because of Covid but I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been well over 60 days so they should be deleted immediately. I demand that these accounts be deleted immediately or I will file for litigation due to the stress these people are causing me. My information was impacted by the XXXX  data breach and may have got into the hands of the wrong people.

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 2020-11-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: AL

Complaint narrative:
After completion of the 3 month loss mitigation, paperwork was sent and signed ( and returned ) to shellpoint. This was back in XXXX. No matter how many times I call, email, ANYTHING, I can not get ahold of ANYONE to find out why my modification has not been placed into affect. I can not pay whatsoever, because they " don't accept partial payments '' and the only amount I'm allowed to pay is the ENTIRE PAST DUE BALANCE OF {$23000.00}. I NEED to start my payments so I can complete the 6 payment requirement of the VA so that I can change mortgage lenders due to needing to SELL this current home because we will be relocating to a different state. PLEASE HELP

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery Associates ( XXXX ) have claimed they have a debt in my name for {$3500.00} from XXXX. I was in high school in the year XXXX and did not have any credit cards. When I called to speak to the company on XX/XX/XXXX, I was told that I needed to now call and talk to XXXX XXXX XXXX ( XXXX ). They refused to give me any more information. This feels like a scam to either get money from me or obtain my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14 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: CA

Complaint narrative:
These accounts I have input in this report are not my accounts. Please remove them immediately. Thanks.

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 2020-11-14 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: CA

Complaint narrative:
These accounts I have input in this report are not my accounts. Please remove them immediately. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14 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: TN

Complaint narrative:
On XX/XX/XXXX I again looked at a XXXX XXXX XXXX  account on my Experian account and it STILL is reporting false information that damages my credit. On multiple occasions I have disputed via certified and regular mail ( 4 times ) that this account is too old to be reported as the DATE OF FIRST DELINQUENCY WAS MORE THAT 7.5 years ago and EXPERIAN continues to lie and say it has verified the account when clearly if the did they would have the specific records that prove my point. XXXX XXXX also told me they did not provide anything to Experian And they refused to provide me with any records that old in a closed account because it was too much work and they did t do that. THIS ACCOUNT IS TOO OLD! I also demanded details and copies of all original documents to show original proof that account is too old and has aged off from date of first Delinquency more than 7.5 years ago!!! I WAS ALSO IGNORED AND NOT PROVIDED WITH PROOF OF INVESTIGATION BY EXPERIAN WITHIN THE 15 day deadline or EVER! Also- EXPERIAN AGENT XXXX INFORMED ME ON XXXX XXXX That there were 6 current late payments added to my report on this 6 years closed account!!! He also agreed to remove them but he did not! 
Please instruct Experian to delete this account for being too old older than 7.5 years. You will note in the material from Experian I am attaching that EXPERIAN DOES NOT INCLUDE THE DATES IN ITS REPORT FROM XXXX XXXX XXXX XXXX. IF they investigated any dispute they would have gotten these records as that was the basis of my dispute. SINCE THEY DID NOT THIS IS ADMITTING THERE IS NO EVIDENCE AND TJEY ALSO FAILED TO PROVIDE WITHIN 15 days of certified letter the proof. THIS ACCOUNT MUST BE DELETED! They should not get to delay things by now trying to investigate when THEY DELIBERATELY DID NOT FOLLOW THE LAW!!!

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 2020-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I received serval responses to the disputes Ive made under FCRA 611 ( a ) regarding the information on my credit report ( an alleged Bankruptcy chapter XXXX  account unverified information ). I was furious to learn that they obtained unverified information from XXXX and elected to leave the disputed item on my credit report as accurate. I was very interested to know how their investigator ( s ) arrived at this erroneous conclusion that the information the company ( XXXX ) reported to the credit bureau is accurate. I requested a complete list of all documents and correspondence between them and XXXX, verifying the disputed information. I specified that they included all names and contact information of employees that they spoke to as part of the investigations. XXXX is not listed on my credit report as a creditor and I have no affiliation with them. The US Bankruptcy Court of NC XXXX is the creditor listed for reporting the alleged Bankruptcy chapter XXXX account unverified information. But the credit bureaus said they verified the information with XXXX and not with the US Bankruptcy Court of NC XXXX so there is no valid basis for claiming the alleged Bankruptcy chapter XXXX account information on my credit report is true. 

Due to my frustration, I reached out to the court listed on my credit report US Bankruptcy Court NC XXXX, to dispute the alleged Bankruptcy chapter XXXX information reporting and was advised that they have no affiliation or communication with any credit bureaus relating to bankruptcies. My repeated disputes were they said the verify the accuracy of the information being reported was a lie and they ignored all my requests, which is another violation of Federal Law and evidence so they willfully disregard the law. I advised them that under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. and I request that they do this immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: NC

Complaint narrative:
I received serval responses to the disputes Ive made under FCRA 611 ( a ) regarding the information on my credit report ( an alleged Bankruptcy chapter XXXX account unverified information ). I was furious to learn that they obtained unverified information from LexisNexis and elected to leave the disputed item on my credit report as accurate. I was very interested to know how their investigator ( s ) arrived at this erroneous conclusion that the information the company XXXX LexisNexis XXXX reported to the credit bureau is accurate. I requested a complete list of all documents and correspondence between them and LexisNexis, verifying the disputed information. I specified that they included all names and contact information of employees that they spoke to as part of the investigations. LexisNexis is not listed on my credit report as a creditor and I have no affiliation with them. The US Bankruptcy Court of NC XXXX is the creditor listed for reporting the alleged Bankruptcy chapter XXXX account unverified information. But the credit bureaus said they verified the information with LexisNexis and not with the US Bankruptcy Court of NC XXXX so there is no valid basis for claiming the alleged Bankruptcy chapter XXXX account information on my credit report is true. 

Due to my frustration, I reached out to the court listed on my credit report US Bankruptcy Court NC XXXX, to dispute the alleged Bankruptcy chapter XXXX information reporting and was advised that they have no affiliation or communication with any credit bureaus relating to bankruptcies. My repeated disputes were they said the verify the accuracy of the information being reported was a lie and they ignored all my requests, which is another violation of Federal Law and evidence so they willfully disregard the law. I advised them that under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. and I request that they do this immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIRST NATIONAL BANK OF OMAHA
State: MA

Complaint narrative:
I XXXX XXXX hereby submits a complaint against XXXX XXXX XXXX as Assignee for First National Bank of Omaha as First National Bank of Omaha is stating that my identity theft complaint is not valid due to not listing the individual transaction. This collection will never stand in any Massachusetts court, and my identity theft complaint is now backed up by a second police report. First National Bank of Omaha is an FDIC insured financial institution, and my rights need to be protected under several federal laws. Recently, I had to re-submit a police report on an identity theft complaint from 2015. Had financial institutions such as XXXX/XXXX taken my rights serious as related to the Fair and Accurate Credit Transactions Act ( FACTA ), and the Fair Debt Collection Practices Act ( FDCPA ), I would not be submitting this complaint with the Federal Deposit Insurance Corporation. However, I did initially submit my complaint through the Consumer Financial Protection Bureau ( CFPB ) as a means of bringing my complaint to a level playing field. Resolutions Investments LLC as Assignee for First National Bank of Omaha is now trying to negotiate a settlement after five years of a dormant account. The account was recently sold off to a third-party debt buyer, which is standard procedure by national banks for unenforceable debts. This debt is no longer valid or enforceable, and my file should be purged permanently. Any response to me with a 1099C submission will be protested with the Internal Revenue Service. I demand a permanent cease and desist from XXXX XXXX XXXX as Assignee for First National Bank of Omaha XXXX, and if a case such as this was ever submitted into a Massachusetts court jurisdiction, the filing attorneys would be seriously sanctioned. The debt is non-valid and my demand for a permanent file purge is within legal guidelines by precedent determined in federal jurisdictions.

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