vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
Account XXXX - XXXX XXXX XXXX XXXX I opened a Bank of America credit card XX/XX/XXXX because of the no interest balance transfer and no interest on purchases for 1 year. [ Page 6 ] Bank of America falsely advertised no interest on balance transfer and no interest on purchases until XXXX of XXXX. 

I called on XX/XX/XXXX and XXXX/XXXX ( unknown spelling ) told me I read the advertisement wrong. 

I said I wanted to talk to a manager. He said no one where available and I could email a manager XXXX XXXX at XXXX. I got no response. [ Page 5 ] I followed up XXXX of XXXX after I paid of the transfer balance and no response. 

I called back on XX/XX/XXXX and talked to XXXX. I was still calling about XXXX ; however, I was also calling about an interest charged not related to the balance transfer. 

XXXX said he could not reverse it. And said XXXX would call me back. I got no response. 

Bank of America customer service " told me what I wanted to hear '' to get me on the phones and never followed up like promised. 

I can attach the full documents and/or print them off ; however, I made it simple. 

XX/XX/XXXX to XX/XX/XXXX = {$26.00} XX/XX/XXXX to XX/XX/XXXX = {$93.00} XX/XX/XXXX to XX/XX/XXXX = {$53.00} XX/XX/XXXX to XX/XX/XXXX = {$49.00} XX/XX/XXXX to XX/XX/XXXX = {$49.00} XX/XX/XXXX to XX/XX/XXXX = {$7.00}

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 2020-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX has old account information on my credit report that is over 7 years old. I have disputed it for a long time and they refuse to remove negative item.

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 2020-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX has old account information on my credit report that is over 7 years old. I  have disputed it for a long time and they refuse to remove negative item.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
On XX/XX/2020 I mailed certified letter to Portfolio Recovery Associates requesting validation of debt for account # XXXX made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. Portfolio Recovery Associates have failed to provide requested validation. The amount of debt claimed is {$360.00} for a XXXX XXXX  according to their credit bureau information. This debt is unvalidated, unverified and I request that this matter be permanently closed and also that the Credit Bureau be informed and their information updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, new jersey XXXX XXXX : XXXX XXXX XXXX : XX/XX/XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

* Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


Thank You,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, new jersey XXXX SSN : XXXX XXXX DOB : XX/XX/XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

* Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my 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 2020-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX has old account information on my credit report that is over 7 years old. I have disputed it for a long time and they refuse to remove negative item.

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 2020-10-05 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: SC

Complaint narrative:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 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: SC

Complaint narrative:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: KEYCORP
State: NV

Complaint narrative:
KEY BANK has locked my unemployment card over a XXXX charge that i verified and i have called numerous times being put on hold for hours at a time ( and this is not a exaggeration ) and if i do get through they just pick up the phone and hang up after being on hold for hours. i cant access my money for food for bills for gas nothing and i have called 20 times or more and waited on hold ANO ONE EVER GETS ON THE PHONE with NO ONE TO TURN TO TO REPORT THEM AT THE COMPANY.i am at my witts end i have no access to money for NOTHING. these people should be fined or shut down for there bad behavior and down right disregard for there customers and holding peoples money XXXX. with no remedy or way to resolve the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 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: NJ

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX nj Dear Sir or madam, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 



Credit reporting laws ensure that bureaus report only 100 % accurate information every step must be taken to ensure the information reported is completely accurate and correct. 

The following information therefore needs to be re-visited. I respectfully request to be provided proof of these inquiries were in fact authorized with an instrument bearing my signature for legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the report as soon as possible : INQUIRES The listed inquires were without authorization, and no legitimate business purposes. As such, it is a very serious error in reporting. Please delete this misleading information, and Supply a corrected credit profile to all creditors who have received a copy within the last 6 months or the last two years for employment purposes. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Under federal law, you have 30 days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy of the completeness of the information is hereby requested, to be provided within 15 days of completion of your re-investigation.

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 2020-10-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENTAGON FEDERAL CREDIT UNION
State: KS

Complaint narrative:
I am extremely dissatisfied with Pen Fed Credit Union 's customer service phone line, their loan servicing department, and their website. They sent me a vague letter on XX/XX/XXXX that was dated XXXX XXXX, XXXX. It stated : " We recently processed a change affecting your monthly mortgage payment processed through the drafting program. '' They couldn't have been more vague if they tried. So I called them to find out more details. Their customer service is non-existent. First, they only provide one phone number by which you can reach them, ( XXXX ) XXXX, between the hours of M-F XXXX XXXX   to XXXX XXXX  ET. These are the hours that most people work. I called that phone number today at XXXX XXXX  and sat on hold for 1 hour and 39 minutes. No one answered my call. No message came on to even let me know that they closed. 

Also, the Pen Fed website is very difficult to use. They refuse to provide any loan payment history beyond payments applied over the last two months. 

Because they have no physical locations in my state, I can't even go visit with them in person. If they aren't going to have physical locations that people can vist, then they at least need to offer better customer service.

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 2020-10-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: NY

Complaint narrative:
After receiving multiple phones calls, Threatening me to pay amount that was already pAid. They told me they would delete Collection from my credit report. They deleted then posted again as a new debt owe for the same collection. Ive asked them to delete and remove this debt but Ive had no success. Please help. Ive asked XXXX  and XXXX XXXX  or better know XXXX  to provide me with documents confirm the removal will be taken care of but been denied

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 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: NJ

Complaint narrative:
XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX nj Dear Sir or madam, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 



Credit reporting laws ensure that bureaus report only 100 % accurate information every step must be taken to ensure the information reported is completely accurate and correct. 

The following information therefore needs to be re-visited. I respectfully request to be provided proof of these inquiries were in fact authorized with an instrument bearing my signature for legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the report as soon as possible : INQUIRES The listed inquires were without authorization, and no legitimate business purposes. As such, it is a very serious error in reporting. Please delete this misleading information, and Supply a corrected credit profile to all creditors who have received a copy within the last 6 months or the last two years for employment purposes. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Under federal law, you have 30 days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy of the completeness of the information is hereby requested, to be provided within 15 days of completion of your re-investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 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: NJ

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX nj Dear Sir or madam, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 



Credit reporting laws ensure that bureaus report only 100 % accurate information every step must be taken to ensure the information reported is completely accurate and correct. 

The following information therefore needs to be re-visited. I respectfully request to be provided proof of these inquiries were in fact authorized with an instrument bearing my signature for legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the report as soon as possible : INQUIRES The listed inquires were without authorization, and no legitimate business purposes. As such, it is a very serious error in reporting. Please delete this misleading information, and Supply a corrected credit profile to all creditors who have received a copy within the last 6 months or the last two years for employment purposes. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Under federal law, you have 30 days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy of the completeness of the information is hereby requested, to be provided within 15 days of completion of your re-investigation.

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 2020-10-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
This debt was a business loan, and was discharged by the courts due to the fact it was a business debt and unemployed both my husband and I and the debt was dismissed. This debt was bough and you guys are trying to collect from an item that was discharged, thats where there arent any judgments. Your eliminar of this item as per the FCRA, is to be removed immediately. 

Thank you. 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-06 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: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/2020, I check my XXXX XXXX  and I seen that Sears/CBNA ( Complete Dept.stores ) is currently reporting on my credit report. I have no affiliation with that company and I didn't sign up for anything with that company. This is fraud and I recommend that you close that account immediately. Sears/CBNA reach back out to me and said that they're no account that below me that's current in their system. Which that this information is reporting inaccurately and needs to be remove. You can reach me at XXXX if you have any question or need any help with anything.

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 2020-10-06 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:
XXXX- Report Number XXXX submitted XX/XX/XXXX. 
received my dispute for the following XXXX XXXX whom agreed to remove the collections account from credit report if I paid the balance. I had not received any notifications from XXXX XXXX that I owed them any money and they agreed to remove the collection report if I paid. I settled with a letter amount and they never removed the information from my credit report. They promised to send me a paid receipt and did not. They only updated the balance. 

XXXX XXXX XXXX-Account was never past due and we paid every month. The credit report after 30 days has not updated nor have we heard anything back from them within 30 days. 


XXXX XXXX I disputed because the amount was incorrect and had already been paid in full and was told if paid. I was promised To date nothing has changed on my credit report. The report says updated but it was not. 

XXXX-We disputed because the account was much older than stated on the credit report to date we have received no notifications and has been over 30 days since we disputed with no response.

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 2020-10-06 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:
XXXX Report Number XXXX submitted XX/XX/XXXX. 
received my dispute for the following XXXX XXXX whom agreed to remove the collections account from credit report if I paid the balance. I had not received any notifications from XXXX XXXX that I owed them any money and they agreed to remove the collection report if I paid. I settled with a letter amount and they never removed the information from my credit report. They promised to send me a paid receipt and did not. They only updated the balance. 

XXXX XXXXXXXX XXXX-Account was never past due and we paid every month. The credit report after 30 days has not updated nor have we heard anything back from them within 30 days. 


XXXX XXXX I disputed because the amount was incorrect and had already been paid in full and was told if paid. I was promised To date nothing has changed on my credit report. The report says updated but it was not. 

XXXX-We disputed because the account was much older than stated on the credit report to date we have received no notifications and has been over 30 days since we disputed with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
This debt was a business loan, and was discharged by the courts due to the fact it was a business debt and unemployed both my husband and I and the debt was dismissed. This debt was bough and you guys are trying to collect from an item that was discharged, thats where there arent any judgments. Your eliminar of this item as per the FCRA, is to be removed immediately. 

Thank you. 

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