vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
My account received a Legal Order on the Bank of America online banking on XX/XX/2021, and all the money was taken out and no money is left now. 

I called Bank of America customer service over 7 times, but no one from the customer service team can explain, which agency asked the bank to make the Legal Order, what the Legal Oder is about, and how long it will take them to finish the review of my account. 

And every time the customer service representatives provide totally different answers. Sometimes they said I should only need to wait until next Tuesday, and sometimes they said I should contact their legal team ( but the phone number they provided can never be connected ), and sometimes they said I should write to the ICE. 

So, I am wondering as a very angry consumer, how can Bank of America act so unprofessional? How can they take my money without any clear notice? Does the agency they said really exist, or it is in fact the BoA take my money?

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 2021-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Transunion not following cfpb or laws protecting people like me. I was told to send in a letter to remove inquiries I did not authorize by one of their employees, I did just that and its been over 30 days. I called to see what was going on they told me that I couldnt get the unauthorized inquiries removed because I have to investigate and call and get individual letters from each unauthorized company that put inquires on my report in order to get them removed. The management or the employees are following the law which one of them admitted that they had to follow the law. They did not investigate and only sent a email saying they could not investigate the information. I am distressed and they are giving me the runaround just to get information off my report I didnt even put on their. Not fair to me or others fighting to protect themselves. Its brutal and dishonest that they allow such treatment and lies giving people the runaround saying one thing then doing another. Its ruining people lives that they allow this

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Central Portfolio Control Inc.
State: LA

Complaint narrative:
CENTRAL PORTFOLIO CONT Has an account on credit file that isnt mine. I have never had any dealings with this company and this fraudulent account is a violation of the FCRPA for a multitude of reasons. Ill start with identity thief I never gave this company access to my information yet they have it. Next they havent validated the debt that they put on my credit report which is Detrimental to my Financial well-being. I repeat I havent had dealings with this company and Ill be sending a consumer damages invoice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: EQUIFAX, INC.
State: GA

Complaint narrative:
after reviewing my credit report I sent a dispute letter to XXXX XXXX and Equifax on the inconsistent accounts and inaccurate information account XXXX  XXXX this account status, date opened, last reported, date last active and date of last payment is all reporting inconsistent and inaccurate information dollar amount ( {$29000.00} ) account XXXX XXXX XXXX XXXXthis account status, no. of months terms, last reporting date, date last active and date of last payment is all reporting inconsistent and inaccurate information dollar amount ( {$230.00} ) account XXXX XXXX XXXX XXXXXXXXthis account number, date opened, last reporting date and date last active is all reporting inconsistent and inaccurate information dollar amount ( {$280.00} ) account XXXX XXXX XXXX XXXXXXXXthis account date opened, last reported date and date last active is all reporting inconsistent and inaccurate information dollar amount ( {$100.00} ) account XXXX XXXXXXXX this account status, date opened, last reported, date last active and date of last payment are all reporting inconsistent and inaccurate information dollar amount ( {$50000.00} ) account XXXX XXXX XXXX this account number, account status, date opened, no. of months term, last reported, date last active and date of last payment are all reporting inconsistent and inaccurate information dollar amount ( {$29000.00} ) these accounts are furnished by the same creditor so why are these account reporting differently? it is your duty to ensure that all information reported consistent and most importantly accurate and you have failed to do so. please deleted this erroneous items immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: CBC Companies, Inc.
State: NV

Complaint narrative:
On the following dates below these companies ran my credit without my authorization. I have written a letter to all 3 credit bureaus to have removed and reached out to the companies in question. None of the 3 credit bureaus or creditors have responded to my request to provide proof that I authorized them to run my credit. 

- XXXX : XX/XX/XXXX - FACTUAL DATA : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - XXXX  : XX/XX/XXXX - XXXX XXXX XXXX  : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: CITIBANK, N.A.
State: NV

Complaint narrative:
On the following dates below these companies ran my credit without my authorization. I have written a letter to all 3 credit bureaus to have removed and reached out to the companies in question. None of the 3 credit bureaus or creditors have responded to my request to provide proof that I authorized them to run my credit. 

- XXXX  : XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - CBNA : 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 2021-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Incorrect employment posted showing I am or was an attorney and I have never been an attorney. Incorrect personal information listed.

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 2021-09-03 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: MI

Complaint narrative:
Yes experian is not giving me a fair credit report dealing with my score. I know my credit score should be much higher than they are reporting. I ask for a fair credit score and to fix that report on there with XXXX XXXX XXXX I told them if they can't provide my I.P address it need to be removed immediately haven't nothing been done and my credit score with them is not right and I deserve a fair 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 non-monetary relief
Consumer complaint received 2021-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I sent all three credit bureaus the correct information and they refused to change it back my address I sent in letters and no results since XX/XX/2021 My address is XXXX XXXX XXXX any other address on there shouldnt be XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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 2021-09-03 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
i file a dispute in XXXX, XXXX 2020, XXXX XXXX and XX/XX/XXXX asking for method of verification for a bankruptcy being reported on my credit report by " experian credit bureau '' only to be ignored and repeatedly lied too.Stating the us bankruptcy courts are XXXX XXXX provide this information. I have documents stating otherwise.from both the bankruptcy courts and XXXX XXXX stating they did not give out such information!! please investigate 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 2021-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA
State: VA

Complaint narrative:
We received a bill in XXXX forcing us to pay an extra {$830.00} that we was not made aware of as this was not part of our monthly payment obligation when we lease the vehicle in XXXX. As a result of this additional amount has put our account in delinquent status. We have always made our payment since XXXX on time. KIA Finance could not fully explain why we received a bill in XXXX as we did not receive any notice in XXXX or XXXX. This has caused a major headache and impact to our credit rating. When we lease the vehicle in XXXX, no one ever informed us that this would occur.

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 2021-09-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SECURITY CREDIT SYSTEMS INC
State: FL

Complaint narrative:
I HAVE NOT SUPPLIED PROOF UNDER DOCTRINE OF SILENCE, ENGLEHARDT V. GRAVENS MO 281 SW 715,719.NO PROOF OF THE DEBT EXIST OR DEBT EXIST TITLE 15. CREDIT REPORTING IS IN FACT OPTIONAL, WILL MOVE TO ARBITRATION.. Under title 15 credit reporting is in fact optional. In accordance to 15 USC 1692 e, f, i. I have all rights reserved as a consumer citizen of heaven and I do not give permission to any company to speak, embezzle or coerce any debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have tried calling twice and did an online dispute to have old addresses removed from my credit report. Experian still has not removed this old, out dated information.

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 2021-09-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
this lady XXXX XXXX XXXX ; They are giving out fraudulent documents where I never gave them any paperwork. They are trying to follow the same process to foreclose on my home loan and I never spoken to this lady XXXX XXXX XXXX nor did she show up for the first appointment and I ended up speaking to an in placement case manager by the name who is XXXX XXXX who was very helpful and answered all my questions ask and was insightful I feel comfortable speaking to her. MS XXXX XXXX XXXX was late for the second appointment she call back but by that time I had to leave. It seems like a setup and they are a fraudulent company where this lady left a very squeaky message hard to understand as well understood and not good for me and to speak too. They Are seems to be doing the same thing as Ocwen mortgage did. After I sent them an email as requested to change my relationship manager they refused to. You can tell by the transfer that the investors never review the loans they bought them in bulk fraudulently. They did not check to qualify the loans for transfer. 
I have been " impacted by the coronavirus covid 19 '' / pandemic-related financial hardship. Also, " NOTED '' it does not matter the status of the loan. current, delinquent or foreclosure status or to file bankruptcy XXXX! I ask for my loan to be place under the Protection of the " cares Act ''. I have included my letter sent to Phh Mortgage and the letter of response that they receive it on XX/XX/2021. For I spoke to a XXXX at XXXX mortgage and had a very lengthy conversation and he stated to me that he was going to send a email to the other department concerning my complaint and have someone reach out to me concerning my concerning my complaining to change relation manager and who ever is reading these emails seems like they are looking for certain customers to call and give them a series of excuses as not to help fix or change the status of certain loan for i find that very very rude by the constant rejection to whatever i ask for they just send out rapidly to me please fix this whole situation please. etc etc etc etc!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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:
All three credit agencies are refusing to clean and remove old accounts and derogatory comments from my credit reports and scores as required by 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 2021-09-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2021 I made a {$20000.00} payment to my Costco Visa by mistake. On XX/XX/2021 I discovered my mistake and contacted Citi Bank Visa to request a refund. I received a written response from Citi that they would reply back with a status in 7-10 days. On XX/XX/2021 I spoke with Citi Bank ( XXXX ) team id # XXXX and he promised to investigate and give me a follow up status on Monday XX/XX/2021. I didn't received a follow up status call. I called again on XX/XX/XXXX and XX/XX/XXXX. I got a different story each time and no follow up call with a status. It appears that they are deliberately holding onto my funds and playing ignorant. I can tell their XXXX system has tracked all of my calls but they don't seem motivated to solve my problem.

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 2021-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Late payments listed with incorrect info. Sent letter to be removed with updated info wasnt honored.

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 2021-09-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
I have been sued by Midland Management Inc and since XXXX of XXXX theyve been aware that the account is fraudulent. In XX/XX/XXXX I mailed a notarized Sworn Denial. Which I also filed with the courts prior to our first court date XX/XX/XXXX. 

They continued the court date to find the proof of ownership I was requesting. To XXXX XXXX in between that time, I learned unequivocally through the XXXX  breach that the account was fraudulent and filed an FTC fraud complaint as requested. 

Notified midland with a copy of that FTC report as well as the XXXX  breach notification in an overnight tracked mailing XX/XX/XXXX. I arrived for court XX/XX/XXXX to which I was told by their attorney they want to work out a payment plan with me. 

When I notified this attorney whom was different than the last of the fraud the attorney said theyd speak to me about it. Midland continued the case to XX/XX/XXXX. 

I filed a XXXX  complaint and have filed a complaint with the attorney general since before XXXX court date. As Midland has been sued by the TN attorney general for this very thing Im writing about. 

Nothing has stopped them from continuing to harass me through the courts and extending the court date every time I show up. So they can as they keep putting it to find proof I own the account. 

I showed up for the XX/XX/XXXX court date. Certain that with having sent a cease and desist letter in XXXX, demanding that they either furnish the original physical signed documents or stop all collections against me and I got ZERO response from midland, until I walked into the courtroom XX/XX/XXXX that it would be dismissed. 

Not only did I send them this letter but the attorneys office Ive had to hire due to Midlands harassment sent them a letter. To which they havent responded to my knowledge. 

Did Midland management dismiss NO! Theyve continued it AGAIN! Through another temporary attorney to XX/XX/XXXX! Citing THEY want 60 MORE DAYS TO PROVE ITS MY ACCOUNT!! This is bullying and outrageous! THIS IS ILLEGAL! Theyve been harassing me since XX/XX/XXXX! Thats SIX MONTHS NOW!! 

I filed an FTC fraud report in XXXX, placed fraud alerts on my credit and Midland continues harassing me, stressing me out and taking me from my frontline job, costing me time and money and being able to actually deal with the multiple breaches on my credit. Because Im too busy fighting them on a FRAUDULENT account that MIDLAND knows and have known is fraudulent!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-03 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:
All three credit agencies are refusing to clean and remove old accounts and derogatory comments from my credit reports and scores as required by law

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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:
All three credit agencies are refusing to clean and remove old accounts and derogatory comments from my credit reports and scores as required by 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 2021-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Incorrect employment posted showing I am or was an attorney and I have never been an attorney. Incorrect personal information listed.

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 2021-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Incorrect employment posted showing I am or was an attorney and I have never been an attorney. Incorrect personal information listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Late payments listed with incorrect info. Sent letter to be removed with updated info wasnt honored.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Late payments listed with incorrect info. Sent letter to be removed with updated info wasnt honored.

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