vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
In XX/XX/2022, Bank of America reported to the credit bureaus ( XXXX, XXXX, and XXXX ) that I had a delinquent credit card account. I thought I had the credit card on auto payments. They never contacted me about being late on my payment and still proceeded to ruin my credit score. I've never been late on any payment in my life.

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 2022-08-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XXXX, I used the Bank of America app to make a transfer of funds from my checking account to my credit card. The balance on the card was XXXX. I typed in XXXX which was my desired amount to pay. When I reviewed the scheduled payment amount, I saw that the app took XXXX out of my account instead of XXXX. After checking to see if there was an edit or cancel option ( which there was not ) I immediately called Bank of America and told the person on the telephone line about the mistake. She told me I would have to wait until the next day to correct it as the item was processing. I called the next morning and had great difficulty getting through to a live person. I was disconnected several times because the issue I was calling about was not on any of the menu choices. When I finally got through I made a complaint about the app not having the ability to cancel the transaction, as well as requesting a refund for the overcharge ( a simple general ledger correction. ) The call took XXXX minutes, and I was told that the refund would take XXXX days. 

I checked my account and the refund was not issued. On the XXXX day I called again ( XX/XX/XXXX ). This time I was on the phone for XXXX minutes. I was told by XXXX that when she called the credit card services they only found the record from XXXX. The agent told me that a mistake was made and they refunded me an overcharge of XXXX, so a refund of XXXX was requested. I asked for the call to be escalated and spoke with XXXX who identified herself as a supervisor. She was not helpful except to inform me that there was an investigation into the matter and it would take an additional XXXX days to resolve. I said I was unhappy with all of this. I had requested the XXXX dollars since XXXX and if the amount wasnt refunded I would file a complaint stating that Bank of America would not give me my money that I requested. Here we are on XX/XX/2022. There is nothing posted to my checking account. There is no consideration for how this is affecting the management of my funds. Bank of America now has had my money interest-free since XX/XX/XXXX because of a glitch in their software.

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 2022-08-16 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: PR

Complaint narrative:
ON XX/XX/XXXX I SEND A LETTER TO THE CREDIT BUREAUS TO FIX SOME ISSUES ON MY CREDIT REPORT, THEY DON'T FIX THE PROBLEM. 

ON XX/XX/XXXX I SEND A SECOND ROUND DISPUTING THE ERRORS ON MY CREDIT REPORT, THEY DON'T FIX IT. 

AND ON XX/XX/XXXX XXXX SEND A CERTIFIED LETTER, TRYING TO FIX A ACCOUNT THAT ITS STILL REPORTING OPEN, WHEN THIS ACCOUNT IS CLOSED SINCE 2018. 
AND OTHER ISSUES ON THE LETTER. 
ATTACHED I INCLUDE THE LETTERS TO CREDIT BUREAUS AND THE CERTIFIED LETTER RECEIPT

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 2022-08-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Consumer Adjustment Company Incorporated
State: CA

Complaint narrative:
posted debt on to all credit bureaus, without providing me with the original documentation. The Fair credit act allows me to request the documentation to verify and validate. I requested this at the beginning of XXXX 2022, which is over the 30 day mark. I have rights that I have not received with this issue. Also, in California any credit related debt after 3 years can not be collected it is a law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax recently admitted to giving false scores and that forced higher rates i didn't give them my consent and they violated my privacy and i want it all off of my credit report as a consumer i have rights that protect me from these practices. And want them to be held accountable for there actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc.
State: NV

Complaint narrative:
To whom it may concern, I, XXXX XXXX XXXX opened a Santander loan in XX/XX/XXXX, at a time they were aggressively predatory lending. I was given an unreasonable APR. My credit score was misinterpreted and misrepresented. I have reached out to Santander about this issue, and they wont help me at all. 

Over their lifespan, Santander Consumer USA has violated COUNTLESS laws in the Fair Credit Reporting Act, as well as most other laws protecting consumer from predatory lenders and debt collectors. More and more lawsuits are coming each year. I'm surprised this company is still standing. They also admitted to Predatory Lending for all people who received a loan from them from XX/XX/XXXX XX/XX/XXXX. I got a loan from them XXXX of XXXX. At the time I was still learning about finances and different loan types and lender. They absolutely took advantage of my situation, gave me a sky-high rate and stated my credit score was XXXX points less than it actually was. Me not being familiar with these practices, I thought it was the norm. And this is exactly why this is unacceptable. 

On top of this being a loan constructed from Santanders predatory lending practices, the information on my report is also inaccurate. The information stated on all three credit reports dont match across the board. This loan is a violation all across the board. 

This account should have been deleted 2 years ago in XX/XX/XXXX, but Santander Consumer USA loves to prey on people ignorant to the things they profess in. Please have this account deleted immediately. This is very unfair for me to have to deal with this. I would also like to be repaid all the payments I made to Santander Consumer USA immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Ive been so upset since I discovered my tenant stole my information, he made photocopies of my drivers license and social security card. I gave the police all his information and hope he is brought to Justice. In the meantime, Im suffering here! 


On XX/XX/XXXX I sent Capital one a letter with supportive documents letting them know I was a victim of ID theft. 

When I discovered my previous tenant had made photocopies of all my personal info I immediately reported this to the police. 

I filed a complaint with FTC, police and sent Capital One a completely filed out ID THEFT AFFIDAVIT. 

I HAVE FOLLOWED ALL THE ADVICE. I go step by step ensuring I do the best I can as I attempt to navigate name clearing process but I have come to a standstill with a VERY TROUBLESOME I have provided Capital One with a copy of : 1. Police report 2. FTC report 3. Signed Affidavit explaining my position AS A VICTIM OF ID THEFT 4. A COPY OF MY DRIVERS LICENSE 5 Two utility bills Then I checked XXXX XXXX XXXX and found out Capital one put a judgement lien on my house I dont know what to do than sue them for the money itll cost to remove it. 

Capital one used Gutter service, also known as sewer service, or when a process server claims to have served a particular person, like myself, when indeed he didnt. 

The result is that the person being sued finds out too late that they were due in court. 

I was never served, I had no idea I need to appear in court and a default judgment was filed. Then a judgement lien was put on my house. 

I first attempted to contact the process service company, however, it was no possible since they stated that person no longer worked there. 
I received a letter from Capital One on XX/XX/XXXX that was so superficial and insensitive that I know I have to sue. 


And on XX/XX/XXXX I mailed Capital One a LETTER OF INTENT TO FILE A LAWSUIT. 

Im suing for the cost to remove the lien they falsely put on my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
Credit Collection Services has not validated the debt and the debt does not belong to me. 

Credit Collection Services is in violation of the Federal Debt Collections Act pursuant to 15 U.S. Code 1692b - Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; Credit Collection Services please Cease and Desist pursuant to Federal Debt Collections Act 15 U.S. Code 1692c - Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ;

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: WA

Complaint narrative:
I received an email from MOHELA stating that the processing of my student loan forgiveness forms is being delayed. I was told to sign in to receive information ; however, when I attempt to sign in, I am told that they have no record of my accounts, so I need to register with a new account. When I attempt to register with a new account, I am told that they already have someone under my ssn. I tried to call and was hung up on several times by the automatic system. My loan was transferred on XX/XX/XXXX and I very close to loan forgiveness and now I am getting the run around by this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Rausch Sturm LLP
State: TX

Complaint narrative:
Rausch Sturm LLP, XXXX, has been excessively calling me on my phone number XXXX. SOmetimes calling me up to 7 or more times a day. Thursday, XX/XX/XXXX they called me 6 times around XXXX. 1 time on XX/XX/XXXX, 2 times on XX/XX/XXXX, XXXX, 1 time XX/XX/XXXX, 7 times on XX/XX/XXXX, 1 time XX/XX/XXXX, 4 times on XX/XX/XXXX, 1 time XX/XX/XXXX, 3 times on XX/XX/XXXX etc. 
It is out of hand!

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 2022-08-16 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax continues to NOT exercise their grave responsibility to be fair, impartial, and there was no respect for my rights to privacy as a federally protected consumer. Please see attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I have been trying to contact someone for days regarding my CD. No one answers the phones ( I have waited an hour on hold ). No one answers messages on the website/app. I have been trying to contact the since my CD matured on XX/XX/11 and now I am afraid it will roll over. I tried to withdraw the money using their website, but it says that I can not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
i am a recent victim of identity theft. my information was exposed in multiple company breach 's. shortly after the breach i started getting all kinds of credit inquires. i would like for XXXX, XXXX and Transunion to remove these fraudulent inquires asap. the inquiries are as follows. XXXX XXXX on XX/XX/XXXX XXXX  XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX NXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX cXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/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 2022-08-16 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
i am a recent victim of identity theft. my information was exposed in multiple company breach 's. shortly after the breach i started getting all kinds of credit inquires. i would like for Experian, XXXX and XXXX to remove these fraudulent inquires asap. the inquiries are as follows. XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Albert Corporation
State: DE

Complaint narrative:
I received an " Albert '' cash ( Debit? ) card with my name on it on XX/XX/XXXX by mail, backed by XXXX XXXX XXXX for which I never applied. I am aware my Social Security number was compromised and had other fraudulent accounts opened in my name in XXXX, to include a brokerage account. That fraud prompted me to initiate a " fraud alert '' with all three credit agencies. This may be another fraudulent use of my Social Security Number. There is very little information beyond a physical card in the mailer, so it is impossible to tell if this is a mailer trying to get your business, or fraudulent account opened by someone else in my name. 

I did NOT request an Albert account myself or through any third party, and want it closed immediately. I also want to know HOW it was opened in my name. 

On XX/XX/XXXX, I reviewed the XXXX  website regarding Albert and discovered I am not the only person who has this uninvited issue. 

On XX/XX/XXXX, I tried to call Albert to resolve and learned you can not get support via phone. You can only email support ( which my husband did at my request on XX/XX/XXXX ) or download their App to get support, which would only further compromise my personal info, so I refuse to do that. I don't want their App, I don't want their card. 

I have attached a scan of the card I was mailed, and the email I sent Albert. To protect myself from further credit fraud, I initiated a credit " freeze '' with all three credit agencies on XX/XX/XXXX. I also refreshed my current " fraud alert '' status.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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: CAVALRY INVESTMENTS, LLC
State: VA

Complaint narrative:
There has been a debt collection company calling to collect a debt which is not owed by me. I have told them this numerous times and have not had any lending from the original lender for at least XXXX years. 

I just checked my credit report and the debt collection company has repeatedly accessed my credit report without my authorization under an " account review ''. 

Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Phone : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: NJ

Complaint narrative:
Over a month ago I reached out to Convergent Outsourcing about a debt they claimed to be mine. I explained to them this was not my debt and disputed the debt as well as requested evidence that this debt was mine. When I asked for the evidence they had to prove this debt was mine they said they needed to reach out to XXXX. They had not already verified this debt which in the state of NJ is illegal. Regardless, I requested documentation and proof that this debt was mine. This was on XX/XX/XXXX and I was advised by Convergent Outsourcing to call back XX/XX/XXXX. They disputed the debt and I waited for my documentation. I waited till XX/XX/XXXX to call back as I had not received any documentation providing evidence of the debt. When I called I informed the collection debt agency that legally they had 30 days to prove this debt which they were unable to do so. In this event I instructed them to report to the credit bureau that this is not my debt, to rectify this on my credit report and to remove the debt from my name. Convergent Outsourcing explained that XXXX has not reached out to them about the claim and that they would document my call. When I requested for them to remove this debt and contact the credit bureau they said " You can call the credit bureau if you'd like, this debt will not be removed today until XXXX contacts us back ''. Which I responded " tough luck, legally you had 30 days and it is not my fault XXXX has not reached out to you ''. They did not remove the debt and have still failed to provide evidence or documentation that this is my debt.

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 2022-08-16 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: Telerecovery Corporation
State: LA

Complaint narrative:
Telercovery is inaccurately reporting a payment history monthly on a collection account. A collection account is past due by default. Updating the payment history since XX/XX/2019 is negatively impacting my credit by making my " past due '' recent. I have tried for over a year to have this corrected with XXXX and they send a letter saying that Telerecovery verified that this payment history is correct. I have asked for verification and have not received any.

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 2022-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IL

Complaint narrative:
On XX/XX/2022, I sent the certified mail for this company to cease and desist, in Pursuant to 15 USC 1692c. ( c ). This company has not produced the following and have violated my rights : Pursuant to 15 USC 1692c. ( c ) ( 2 ) - I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : Deletion from all consumer reports.

Remove all remarks or comments off my consumer report.

Pay the attached bill of particulars for every violation labeled in the attached exhibits.

Return requested documents 1. Name and address of the original creditor who created the debt.

2. Name on file of alleged debtor.

3. Alleged account # 4. Date of original charge or delinquency.

5. Was this debt assigned to a debt collector or purchased?

6. Amount paid if debt was purchased.

7. Documentary evidence that this agency is in fact the holder in due course.

8. Certified copy of the original negative information notice required by FCRA section 623 ( 7 ) ( A ).

Company response to consumer: Closed with explanation