vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I received a letter in the mail dated XX/XX/21 saying that claim number XXXX had been reconsidered and was paid via cashier 's check in the amount of XXXX. 

I was notified via USPS informed delivery that this check along with other mail was scheduled to be received XX/XX/21. I did not receive it and I notified Bank of America XX/XX/21. The first of MANY reps assured me he submitted a request for stop payment and reissuance of the check. 

I called XX/XX/XXXX and talked to over XXXX reps who simply don't know anything about this check or process of reissuing payment. The social media care team, fraud online, claims and disputes, all these reps and managers have proven how poor of a service Bank of america provides. It's a shame I had to go to this length to get this issue resolved.

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 2022-01-05 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: PA

Complaint narrative:
This company is attempting to collect a debt that is more than five years old with the original creditor. I would like for this debt collection to stopped and be removed from any of the credit reporting agencies. Also, this was reported incorrectly. This was a voluntary repossession, not involuntary. The vehicle was dropped off at a XXXX dealership in XXXX, TX by my ex.

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 2022-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2021, I submitted a dispute to Experian dealing with the following accounts asking for the original signed contract. I never received anything back within the 30 day period. I then sent in another 30 Day Demand letter asking for the original contract again. I still have not heard anything. Under the FCRA, failure to hear anything back within a 30 day time period, should be an automatic deletion. Furthermore, being that I have received no validation or verification should also result in an automatic deletion!! XXXX XXXX : XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2022-01-05 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: MS

Complaint narrative:
I recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA and the FDCPA, it should be removed. However, I have sent in continuous dispute letters obtaining all information needed to remove this inquiry. This inquiry is effecting my chances of establishing a great history with the current company and keeping me in financial hardship. The name of the inquiry is XXXX XXXX. The inquiry date is XXXX XXXX  2018. The bureau reporting is XXXX, Equifax, and XXXX. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I signed up for a store credit card in XX/XX/2021. Upon making a purchase that month, I was sent a bill by Comenity - XXXX XXXX XXXX in early XXXX. I went to the store and made a cash payment on XXXX. I was asked if I wanted to use my {$23.00} reward credit towards my balance of {$190.00} balance. I agreed and paid the additional {$170.00}. A month later I received a bill from Comenity for {$25.00}. I first visited the store and was told to call Comenity. I called Comenity on XXXX and explained the situation. They filed a dispute and said I would hear back after review. Yesterday I received another bill for {$27.00}. I called Comenity on XXXX and was told I need to go back to the store. They were aware of the situation of customers making payments at the store but they had no access to the stores information. I think its unacceptable for the store to send me to Comenity and Comenity to tell me to go back to the store. I have a receipt showing that I paid my debt in full.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-05 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX CREDIT CARD, against my wishes fraudulently placed their credit card on my Experian and XXXX credit reports. This new tradeline with such a small limit adversely affected my credit score. I have demanded that XXXX XXXX close the account, which they have, however, it remains incorrectly reported as open on my credit reports.

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 2022-01-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA and the FDCPA, it should be removed. However, I have sent in continuous dispute letters obtaining all information needed to remove this inquiry. This inquiry is effecting my chances of establishing a great history with the current company and keeping me in financial hardship. The name of the inquiry is XXXX XXXX. The inquiry date is XX/XX/2018. The bureau reporting is XXXX, XXXX, and TransUnion. 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 non-monetary relief
Consumer complaint received 2022-01-05 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: CA

Complaint narrative:
Portfolio Recovery is falsely reporting two collection items on my XXXX and XXXX credit reports that I do not owe. I disputed with XXXX who advised the accounts were deleted. However, Portfolio Recovery continues to update my XXXX and XXXX reports falsely claiming I owe debts to XXXX  XXXX and XXXX bank. I do not owe debts to either creditor. 

1. Account Number XXXX XXXX XXXX {$1700.00} 2. Account Number XXXX XXXX Bank {$690.00} Both erroneous collections need to be removed from my XXXX and XXXX reports as Portfolio recovery has never contacted me and has not sent me anything substantiating these alleged collections. They are not mine, and they are hurting my credit. I am an auditor and this irresponsible and false reporting can adversely affect my employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 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:
credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
Genesis FS Card Services XXXX XXXX Credit Card has Dishonored a payment, placed a temporary block on my card and is taking adverse action, including denying me my my money. I've already filed an FCC complaint about harassment - and now they " paused '' my card for 14 days. I've attempted to cancel and I was simply put on a never ending hold. 

Genesis FS Card Services XXXX XXXX XXXX XXXX, OR XXXX Genesis FS Card Services XXXX XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 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: FL

Complaint narrative:
Hell I am attaching my Drivers license, my social security card and XXXX  accounts which I noticed recently when checking my credit that are not mine.

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 2022-01-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
Mr. Cooper was blocking the sale of my home and has now created a cloud upon my title and I am about to lose the second buyer who has submitted a contract to purchase my home. 
There is no justifying the alleged assignment of a full paid account. 
I have provided Mr. Cooper who claims to acquired their right to service from SETERUS Inc. Seterus Inc waXXXX shut down by Conference of State Bank Supervisors . 
I have provided to Mr. Cooper multiple times the supporting documentation to show 0.00 remains on the Deed they have erroneously assigned and is causing this undue hardship on me and my daughter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XXXX I logged into online banking and see a higher than expected balance. I discover charges not authorized by me. They posted on XXXX ; the are vimbly {$140.00}, XXXX XXXX texas {$45.00}, the stereo shop {$1000.00} and there was a lowes.com charge for $ XXXX. Once I saw that, I called the bank and notified them these were not authorized. They took those 4 and flagged them, and issued a fraud dispute credit for those. Few days later I check again and I see the XXXX charge never left pending and then just dropped off, they must have caught that fast enough to not process. So somehow a XXXX in store charge of {$56.00} completed on XXXX was then flagged as fraudulent and was given {$56.00} in credit on XX/XX/XXXX. I realized that it was incorrectly labeled as fraudulent, and spoke to a fraud specialist, notified them the {$56.00} was valid and they took that as all the charges were approved. I called again explaining this and was told they see what happened and reopened the claim, called again today XX/XX/XXXX as the claim was still listed as resolved and still have the fraudulent charges and finance charges applied to my account. I was informed that the case will be reopened today and will take 45 days to reach determination. Meanwhile the first time the case was opened I was credited the next day.I

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 2022-01-05 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: TN

Complaint narrative:
There is an account on my credit report that is aged past 7 years and is still reporting. After 7 years any collections and chargeoffs are supposed to be removed from this report. I have sent nunerous disputes requesting the validation of this account and it says the last time it has been reviewed was in 2018, the credut bureaus lied about their investigation. I want this account removed from XXXX, Experian and XXXX it is aged past 7 years and past 6 years for the statute of debt in the state of Tennessee. It is not supposed to be reporting.

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 2022-01-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: NJ

Complaint narrative:
Someone opened a XXXX account in MA, and I live in XXXX  for over 20 years all the while being a customer of XXXX for 30+ years in XXXX  & XXXX  only. 
XXXX submitted the debt to a collection agency. I send them the standard debt collection letter and the debt collector will no longer attempt to collect this debt as it is fraudulent. XXXX still insists it's valid even though they can not provide me with concrete proof it was i that initiated the service. They have admitted that it was initiated only with a SS number and no other proof of ID. Now XXXX wants me to provide them with copies of photo ID, SS card, driver 's licence and other additional information to prove the fraud. This is far more than they needed to open the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 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: GA

Complaint narrative:
I've submitted XXXX requests to Transunion to remove XXXX fraudulent accounts through XXXX that were obtained in my name using my personal information, I've submitted a police report and a notarized Identity theft affidavit along with a request to validate how they are verifying these accounts and they have failed to send me proof or acknowledge my requests. This is the XXXX request to remove these fraudulent accounts from my 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 2022-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: CA

Complaint narrative:
Vance and Huffman is falsely reporting a collection item on my XXXX, XXXX and XXXX credit reports that I do not owe. I disputed the account and Vance & Huffman LLC falsely updated it as " valid ''. The account falsely claims owe XXXX XXXX XXXX and amount of {$310.00}, which I do not. Account number XXXX. 

I do not owe this amount, I have never taken out a loan with XXXX XXXX XXXX or Vance & Huffman. Nor have I ever done business with either. 

The erroneous collection must be removed from my XXXX and XXXX reports as Vance and Huffman has never contacted me and has not sent me anything substantiating this alleged debt. It is not mine and is negatively affecting my credit. I am an XXXX and this irresponsible and false reporting can adversely affect my employment. 

This company needs to do its due diligence to verify debt ownership before reporting ( and continuously updating with no investigation ) false information on consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX CREDIT CARD, against my wishes fraudulently placed their credit card on my XXXX and TransUnion credit reports. This new tradeline with such a small limit adversely affected my credit score. I have demanded that XXXX XXXX close the account, which they have, however, it remains incorrectly reported as open on my credit reports.

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 2022-01-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
There is an account on my credit report that is aged past 7 years and is still reporting. After 7 years any collections and chargeoffs are supposed to be removed from this report. I have sent nunerous disputes requesting the validation of this account and it says the last time it has been reviewed was in 2018, the credut bureaus lied about their investigation. I want this account removed from XXXX, XXXX and Transunion it is aged past 7 years and past 6 years for the statute of debt in the state of Tennessee. It is not supposed to be reporting.

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 2022-01-05 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: EQUIFAX, INC.
State: TN

Complaint narrative:
There is an account on my credit report that is aged past 7 years and is still reporting. After 7 years any collections and chargeoffs are supposed to be removed from this report. I have sent nunerous disputes requesting the validation of this account and it says the last time it has been reviewed was in 2018, the credut bureaus lied about their investigation. I want this account removed from Equifax, XXXX and XXXX it is aged past 7 years and past 6 years for the statute of debt in the state of Tennessee. It is not supposed to be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
XX/XX/2021 through XXXX XXXX. Complaint with PayPal concerning unauthorized charges ( fraud ). 
See attachments, for explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
Last week when logged into my USAA banking account using their mobile app I was presented with a 10 question mandatory survey. The survey asked my income and net worth and then asked 8 questions about XXXX, like how often and in what amounts I was likely to use XXXX to deposit, transfer or withdraw money from either my checking of savings accounts. The survey told me that if I didnt complete it my online access to my accounts would be suspended and only allowed me to bypass it three times before the suspension would take effect. They claimed that all of this information was required by the federal government. 

I wrote a complaint letter to the USAA XXXX and had a reply from his office. The aIde I spoke to first claimed that all of this info. was required annually by the Patriot Act. When I challenged that the feds wouldnt require information from my about my plans to use XXXX she admitted that that part of the survey wasnt really required and didnt understand how it was included.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 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: MI

Complaint narrative:
I HAVE FRAUDULENT ADDRESSES AND ACCOUNTS ON MY CREDIT REPORT. I HAVE SENT INFORMATION IN TO THE CREDIT BUREAUS WITH MY POLICE REPORT AND ALL OF MY VERIFYING INFORMATION WITH THE NAMED ACCOUNTS. XXXX, EXPERIAN AND XXXX WILL NOT REMOVE ALL OF THE FRAUDULENT ACCOUNTS. I HAVE SENT THE POLICE REPORT TO ALL XXXX BUREAUS THE POLICE REPORT NUMBER IS 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 2022-01-05 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: FL

Complaint narrative:
I have been a victim of Identity theft and have attached my credentials and a report to be sent to the companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
On or about XX/XX/2021 I filed online to terminate services with XXXX XXXX XXXX Thereafter I returned the equipment ( cable box ). Several times in XXXX and XX/XX/2021 ( on four ( 4 ) separate occasions ) I communicated directly with personnel from XXXX all of whom agreed over the phone that I did not owe anything further and would make the appropriate adjustment to the account. Since that time XXXX has forwarded the account for collection to XXXX XXXX XXXX who has now damaged my credit report by filing a report claiming I owe {$350.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation