vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
i recieved four emails yesterday XX/XX/2022 about an account opened with BoA under a former name. I did not open a new account.

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 2022-03-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Hello, my friend sent me for XXXX {$1300.00} to my phone number, unfortunately a digital was wrong and other person received the money, I tried many time to contact the person, she never answered back, the person number is XXXX registered as XXXX XXXX, intried make a claim with Bank but they told me there is nothing I can do,, XXXX transfer are final, I can understand their policies but if I'm telling them that this person received the money this person should return it, other way is like a fraud, what will happen if I receive {$100000.00} money from the bank just because a bank mistake, well pretty sure they will try get back, at least I'm just asking to the bank to take step and call the person or block her account until she proff that the money was for her.. anyone can make mistakes, it not right that bank don't want help customer even when they know that they can help, they can call the person bank and investigate this matter. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Credit Karma, LLC
State: PA

Complaint narrative:
On XX/XX/XXXX there were 4 unauthorized transactions amounting in {$1500.00}. The transactions were coming out of my new Credit Karma account. I contacted them and they advised me to contact the company that were taking the money out of the account. It turned out to be XXXX XXXX but I had no information to give them other than my name ( I dont have an account with them ) I opened 2 fraud cases with Credit Karma because the XXXX XXXX representative said it was my banks job to investigate and return my funds. Credit karma literally wrote back and asked me to email XXXX XXXX  and get an email stating they cant help. I had to transfer my remaining refund funds into my actual bank account. Im not sure what else to do. I havent even received a new card they just locked the one I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
TRANSUNION has been informed through several notices via certified mail and through the CFPB to correct the information on my consumer report. On XX/XX/2022 I sent an affidavit through USPS via certified mail and received verification for tracking number XXXX XXXX XXXX XXXX XXXX that my affidavit giving notice of violations was received on XX/XX/2022 at XXXX pm. They were given 5 days to comply within my affidavit and TRANSUNION has failed to respond in a timely manner and by law all violations must be corrected and penalty must be paid to me in the amount outlined in the affidavit.

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 2022-03-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-03-20 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX XXXX. I am writing in regards to my credit report. Information listed in file has been listed incorrectly. In response to these incorrectly listed items I am asking that they be deleted. I am a victim of identity theft and I did not make these changes. I reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies Federal Trade Commission 's Identity Theft Affidavit. Please delete these items as soon as possible.

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 2022-03-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NY

Complaint narrative:
I was on a forbearance plan from XX/XX/XXXX through XX/XX/XXXX. When coming of of the forbearance plan I contacted the loan servicing company for a loan modification they denied so I contacted XXXX whom instructed them to give me the loan modification. At the time covid 19 was still very heavy in XXXX, I take care of my XXXX she came from school with covid we didnt know at the time, when she went home her XXXX called and told me that she had covid and that I needed to quarantine. While on my trial plan with the servicing company I was unable to make my XXXX trial payment on time which would have been my last trial payment. I have made the trial payment for XXXX XXXX and it was made within the threshold but the servicing company still refuses to comply I had to reapply for a new modification. I responded to the letter of denial for loan modification by email and in writing they are saying they didnt get them. At the time that I was offered the trial payment plan, I was trying to save money to bring my account current from post forbearance I had {$1100.00} dollars saved. I sent those payments to the loan servicing company because I was afraid that with school going back full force covid would flair up again and if I missed. Payment I would be secure with those payments in a suspense account. The loan servicing claims to have applied the payments to my account the same day which was XXXX XXXX, XXXX. Nothing came of off my balance due and Even-though I have a total of seven payments from XXXX XXXX until XX/XX/XXXX my balance due went up instead of down. The same day that I paid the {$1100.00} in XXXX {$860.00} dollars was removed from the account. When I call to talk to them they tell me things like Cooperate advance. I know that cooperate advance is a fee the loan services take for themselves and has nothing to do with regular things like escrow or taxes and insurance. They refuse to fix their misapplied payments which have been going on since XXXX. Trying to talk to anyone there or getting in touch with my point of contact is next to impossible. Theirs phone system do not have extension options and the email I have for him does not work, sometimes I wait on the phone for someone to answer and when they they dont have answers. I am afraid to make payments to them because no matter how much I pay them my balance goes up instead of down. Again this has been going on for over three years with the misapplied payments and they refuse to correct it or listen to me, and they refuse to all me to bring the loan current with a loan modification even after I was affected by covid

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 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: PA

Complaint narrative:
Hello my name is XXXX XXXX XXXX XXXX, I am writing in regards to the information incorrectly listed on my file. I am requesting that these items be deleted. The items I am requesting attention on are listed in the report. I am a victim of identity theft and did not make these changes. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-03-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: United Accounts, Inc.
State: ND

Complaint narrative:
In XXXX, which I would've been a XXXX Three years ago in XXXX, I had gotten a letter from collections letting me know that I had a medical bill from three years prior at the XXXX ( which I was under my parents insurance ) and that it had gone into collections. I had no recollection or warning of this bill. I had tried to dispute it in XXXX but had obviously gotten nowhere. I am willing to pay it but it will still be on my credit report which I am having issues with going forward with a loan at the moment. I would very much appreciate if I could get some answers back. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX XXXX. I am writing in regards to my credit report. Information listed in file has been listed incorrectly. In response to these incorrectly listed items I am asking that they be deleted. I am a victim of identity theft and I did not make these changes. I reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies Federal Trade Commission 's Identity Theft Affidavit. Please delete these items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Alpine Credit, Inc
State: CO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX debt to Alpine Credit in XX/XX/XXXX when they had agreed to resubmit invoice to my insurance company. Turns out their office was closing and it seems that all unpaid bills were automatically submitted even though my was being disputed with insurance company. Debt ( {$460.00} + {$180.00} - same office visit ) was preventative but not approved. 

In XX/XX/XXXX, I completed payment in full. I have repeatedly requested Alpine Credit remove this from my credit report however they refused each time saying it took me too long to pay it therefore will remain on report. 

After repeated requests, XXXX agreed to remove this but only removed the one for {$180.00}. The {$460.00} remains on my credit report as a paid account under collections. 

Now, as I review my XXXX report, it appears that Alpine Credit have submitted this same account ( s ) on XX/XX/XXXX ( {$180.00} ) and on XX/XX/XXXX ( {$460.00} ), well after the debt was already paid in full. 

In reviewing my XXXX report today, it appears that Alpine Credit also submitted this same account ( s ) on XX/XX/XXXX ( {$180.00} ) and on XX/XX/XXXX ( {$460.00} ) after the debt was already paid in full. Here it says Collections Report Date : XX/XX/XXXX. I think that may be when they added it to my report. THIS YEAR! 

I believe this was not on my XXXX or XXXX reports a few months ago but I'm not 100 % certain now. 

How can they continue to report a paid debt? I would love your help please to have these removed.

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 2022-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I have tried to open a PNC bank account and neither would PNC or XXXX XXXX XXXX would not tell me why I could not open the account. I had one issue in the past with a credit union which was solved and reported to XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ

Complaint narrative:
I visited a Toyota car dealership in XXXX XXXX, XXXX  called Toyota XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX ) on XX/XX/2022 and saw a XXXX XXXX I've contacted them again in about XXXX days and they told me the car I saw was already sold. They told me that if I want the car I'd have to come and make a deposit so I get the car in the next shipment. 
So I've visited them again on XX/XX/2022 and paid a {$5000.00} deposit and signed couple of papers for the car. I've been told that the car would arrive XXXX XX/XX/XXXX ( " in XXXX  days max '' was the exact words by the salesman ) the latest. I've followed up with them almost everyday until XX/XX/XXXX, the same answer I get was " it should be on the truck arriving today ''.

One thing I forgot to mention was that the VIN number put on the initial contract is different than the actual VIN number of the car I was supposed to get. When I said that to the salesman he said " Oh we will have to redo some paperwork to fix it don't worry ''! So I was sold a car that didn't even exist! 
On XXXX  XX/XX/2022. I went to them and told them I don't want the car since they have been so irresponsible with the paperwork and the promised delivery time. They told me OK and they took my debit card ( the same card I paid the {$5000.00} with ) to accounting office and then gave it back to me and told me your refund should be issued in around XXXX  to XXXX business days. 
Now I'm writing this on XX/XX/2022, little over a month from the day I was told that the refund will be issued, and still I haven't received my refund. I've contacted them thousands time and I always get ditched. 
And to make things worse, I see a car loan with XXXX XXXXXXXX XXXX in my name for a car I didn't even purchase!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I have a company called portfolio recovery that keeps claiming i owe them for a debt that i have never had. They have called and harrassed me at all times of day and night and when i have asked for proof of debt they were unable to provide this information. I have reported them to the XXXX XXXX XXXX  and am I currently waiting on a response from their investigation however i dont believe they are doing an investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
Bank of America told me that in XXXX of XXXX their reporting to XXXX would be removed on the XXXX of XXXX. They have not removed it. This debt has been paid in full since I think XXXX. XXXX told me that Bank of America can remove but Bank of America refuses or says they can't depending on what person I talk to. This has gotten ridiculous and needs to be fixed.

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 2022-03-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
XXXXXXXX XXXX card is falsely printing the payment due time and charging a XXXX $ late fee. When my wife pointed this out to the payment department they offered a XXXX $ credit. This is a scam, they know it and refuse to remit the fees they have fraudulently stolen. Comenity ultimate rewards XXXX. We are paying online on the due date. The XXXX et is the delinquent time for mailed payment per Company billing instructions

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-20 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:
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as a copy of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 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:
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as a copy of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement

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 2022-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as a copy of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement

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 2022-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
TO WH

OM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation