vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-10 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: GA

Complaint narrative:
Please take the time to help me get this matter resolved with errors reporting on my credit report. I have tried to get these issues resolved on many different occasions. There is 2 trade-ins reporting ; one has an incorrect late status and the other account does not belong to me. Here are the list of inaccurate items : Incorrect Name Spelling : XXXX, XXXX Incorrect Address : XXXX  XXXX XXXX and wrong street number XXXX XXXX XXXX XXXX is reporting an incorrect late status of 90 and 120 days late in XXXX & XX/XX/2019 The XXXX XXXX account is not my account ; it is showing chargeoff and I have never opened this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 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:
Please take the time to help me get this matter resolved with errors reporting on my credit report. I have tried to get these issues resolved on many different occasions. There is 2 trade-ins reporting ; one has an incorrect late status and the other account does not belong to me. Here are the list of inaccurate items : Incorrect Name Spelling : XXXX, XXXX Incorrect Address : XXXX XXXX XXXXXXXX anXXXX XXXX XXXX  number XXXX XXXX XXXX XXXX  is reporting an incorrect late status of 90 and 120 days late in XXXX & XX/XX/2019 The XXXX XXXX account is not my account ; it is showing chargeoff and I have never opened this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Submitted numerous disputes for late payments to be removed due to natural disaster ( covid ). 30 days has passed and I didnt hear anything from the company involved XXXX XXXX or any of the credit companies. Late payments were for XXXX. Disputed late payments and Ive contacted the XXXX XXXX XXXX  and still 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 2021-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: TD BANK US HOLDING COMPANY
State: MN

Complaint narrative:
I closed my checking account with TD bank in XX/XX/XXXX with a XXXX balance, and no outstanding balance. I received a charge off notice from TD bank in XXXX, XXXX for the amount of {$49.00}. When I called the recovery department, they stated the amount was due to maintenance fees for the account for the past couple mod months and refused to waive this erroneous fee. I called the local branch on XXXX XXXX. In XXXX, MA and spoke with XXXX and she said she would waive it, however when I called collections back several months later, the outstanding balance was not waived. When trying to get to the bottom of this issue, I was treated very poorly by the collections staff and even was hung up on by their staff. Per TD bank, all of these calls were recorded by them, so please take a listen for yourself how the staff interacted with my requests for help. I find this fraudulent fee-charging and abusive treatment by TD bank to be reprehensible. Please help, I really would rather devote my limited time to taking care of patients in the hospital during these times, not being mistreated by bank staff.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Submitted numerous disputes for late payments to be removed due to natural disaster ( covid ). 30 days has passed and I didnt hear anything from the company involved XXXX XXXX or any of the credit companies. Late payments were for XXXX. Disputed late payments and Ive contacted the XXXX XXXX XXXX and still 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 2021-02-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I believe BANK OF AMERCIA violated 15 usc 1691 ( d ) ( 6 ) For purposes of this subsection, the term adverse action means a denial or revocation of credit, a change in the terms of an existing credit arrangement, or a refusal to grant credit in substantially the amount or on substantially the terms requested. Such term does not include a refusal to extend additional credit under an existing credit arrangement where the applicant is delinquent or otherwise in default, or where such additional credit would exceed a previously established credit limit. In my case BANK OF AMERCIA revoked my credit. Shown in exhibits.

I believe BANK OF AMERCIA is civilly liable for their action 15 USC 1691e ( b ) Any creditor, other than a government or governmental subdivision or agency, who fails to comply with any requirement imposed under this subchapter shall be liable to the aggrieved applicant for punitive damages in an amount not greater than {$10000.00}, in addition to any actual damages provided in subsection ( a ), except that in the case of a class action the total recovery under this subsection shall not exceed the lesser of {$500000.00} or 1 per centum of the net worth of the creditor. In determining the amount of such damages in any action, the court shall consider, among other relevant factors, the amount of any actual damages awarded, the frequency and persistence of failures of compliance by the creditor, the resources of the creditor, the number of persons adversely affected, and the extent to which the creditors failure of compliance was intentional. Shown in exhibits.

Fact, BANK OF AMERCIA did not get authorization from me the original creditor pursuant to 15 usc 1602 ( g ) to close my account and take my credit away pursuant to 15 usc 1602 ( f ). I believe the credit grantor/debtor does not have the same authority as the original creditor. Shown in exhibits.

Fact, BANK OF AMERCIA violated 15 usc 1602 ( p ) unauthorized use of my credit card which is my social security card 15 usc 1602 ( l ) because I did not benefit from the consumer credit transaction that I authorized on XXXX. I believe BANK OF AMERCIA is criminally liable for their actions pursuant to 15 usc 1611 ( 1 ) willful and knowing the original creditor did not give authorization to close account. Shown in exhibits.

2ND AFFIDAVIT AND I REFUSED TO WAIT 60 DAYS AGAIN ABOUT THIS MATTER. 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 2021-02-10 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: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
My old landlord fraudulently charged me fees when I moved out. He sent the claim to Caine and Weiner collections. I informed Caine and Weiner that the charges were not valid and that I was taking the landlord to court on XX/XX/XXXX. The court case was originally scheduled for XX/XX/2021, but due to COVID 19 the small claims court has pushed the court case to XX/XX/2021. In my original collections letter Caine and Weiner claimed that this would negatively impact my credit unless I payed. I requested that all interest and action on the account cease until the legal process played out. They did not comply with my request and they have continued to accrue interest on the account while they have known for three months that legal action is pending. Caine and Weiner is located at XXXX XXXX XXXX. XXXX XXXX, CA XXXX. There phone number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
A company by the name of XXXX XXXX, XXXX, has contacted me on behalf of XXXX XXXX XXXX XXXX XXXX, who has purchased an account that Experian has listed, the letter states they are the current creditor, THERFORE PROOF, XXXX IS MO LONGER THE CREDITOR. 

IF XXXX XXXX REPORTS THIS ACCOUNT TO ALL THREE BUREAUS DO THEY STILL LEAVE IT AS IS OR REMOVE IT? SO THEN TECHNICALLY HOW CAN 2 companies report the same debt? 

Also, they are mailing me, emailing me weekly, its over the top and very unprofessional and harassment/bullying. I want them to stop Harassing me. I don't need a copy of my credit report mailed to me weekly, I have not requested it. They don't need to email me to confirm my email address when I give it freely, EXPERIAN EMAILED ME AND STATED THAT A COPY OF THE LETTER SENT TO ME TO PAY XXXX XXXX IS NOT SUFFICIENT AND THEY WILL NOT REMOVE THE XXXX ACCOUNT. ITS ALMOST COMICAL, THEIR EXTREME ARROGANCE.

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 2021-02-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC
State: TX

Complaint narrative:
CAPITAL ACCT is claiming that I owe them {$220.00} with an Account Number : XXXX but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 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: GA

Complaint narrative:
I have had my identity stolen and have submitted a police report to both the original creditors and debt collectors. The fraudulent items have not been removed from my credit reports. In fact, I have not received a response at all.

I have been denied employment, credit, and housing due to this issue and have only been able to live in a XXXX with no stable residence. I was subsequently XXXX once COVID-19 started due to the XXXX having fear.

I have no stable residence to receive mail and prefer to receive correspondence via email, as I am able to check that periodically

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants Credit Corporation
State: WA

Complaint narrative:
I wrote Merchants Credit on XX/XX/2021 asking them to Validate some items on my credit report pursuant to 15 USC 1692g Sec.809 ( b ) of the FDCPA. They were unable to validate the debt, and only tried to send verification of debt on XX/XX/2021. 

I phoned them today to follow up on this letter i recieved and they told me that they don't have to " validate the debt '' and refused to remove these items from my credit report. 

I have both letters. I would like to have these items removed 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 explanation
Consumer complaint received 2021-02-23 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: FL

Complaint narrative:
I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account I am not responsible for any charges made to this account. I do not recognize this account and have never incurred debt with this creditor. I do not know where they came from.

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 2021-02-23 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 am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account I am not responsible for any charges made to this account. I do not recognize this account and have never incurred debt with this creditor. I do not know where they came from.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
I did not authorize, and I do not acknowledge that inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc.
State: CA

Complaint narrative:
I checked my bank account and had {$1300.00} USD missing from my account. Remitly.com had somehow allowed a man in XXXX to access my account. I have a two step verification that uses my email and my telephone. Somehow this man accessed my account Recipient : XXXX XXXX Transfer No. : XXXX XXXX XXXX XXXX Picked up MADXXXX We have confirmed that XXXX XXXX  now has the MADXXXX you sent via Remitly.com. Your transaction is complete and we hope to see you again. 
Arrival Time XX/XX/2021 XXXX XXXX PST ( XX/XX/2021 XXXXXXXX XXXX WET ) Track Your Transfer Your debit card Remitly XXXX XXXX Recipient Done. Your recipient has picked up the transfer. XX/XX/XXXX, XXXX XXXX PST Share Remitly with your friends to earn rewards. 

Receipt Sender XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Recipient at XXXX XXXX XXXX, Payment Details Submitted XX/XX/2021 XXXX XXXX PST Reference No. XXXX XXXX XXXX XXXX Delivery Cash Pickup Partner XXXX XXXX XXXX XXXX XXXX Currency MAD Available XX/XX/2021 XXXX XXXX PST XX/XX/2021 XXXXXXXX XXXX WET  Payment Method VISA ending in XXXX Amount Sent XXXX USD Fee XXXX USD Total Amount Charged {$1300.00} USD Net Recipient Amount MAD XXXX MAD Exchange Rate XXXX USD = XXXX MAD

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Lending Club Corp
State: MI

Complaint narrative:
I submitted an application for a personal loan of {$25000.00} on XX/XX/2021. LendingClub requested several documents from me and after some back and forth all the nescessary documents were submitted. On XX/XX/XXXX they requested I print out and complete a 4506-T form with a wet signature. I then provided a scanned copy of this document to them by XX/XX/XXXX. At this point they then requested I E-sign a 4506-T form. As this was a bit confusing I called the LendingClub hotline, XXXX to confirm that they now needed an E-sign 4506-T. The rep looked at the account and told me there was a hold on it because the scanned copy of the 4506-T was marked as " not legible or cut off '' she reviewed it did not see why that hold was on the account as the document we legible and not cut off. She informed me that she approved the documents and to go ahead and E-sign the 4506-T, she said nothing else was required from me at this point. This was completed on XX/XX/XXXX. At this point in time there was no more communication from Lending Club for outstanding documents. On XX/XX/XXXX XXXX received the adverse action notice stating " You did not provide the documents we requested to finish reviewing your application. '' So on or about XX/XX/XXXX I called again into the hotline and spoke with someone who could not provide any more details beyond the notice so I asked for a manager. No manager was available so they said I would receive a call back. It is now XX/XX/XXXX and I had not received a call back so I called them again. After 30 minutes on hold with an agent waiting to speak to their manager and credit department I was told I was being transferred and if the call dropped they would call me back on my number. Of course the call was dropped during the transfer and I have not received any call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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: MD

Complaint narrative:
The companies allowed incorrect invalidated information to my profile, addresses that are not mine they refuse to remove & they refuse to take off negative accounts. I only have one address and sent them certified mail an information update form that they kindly ignored to follow. Then the customer service agent was rude and told me she didnt want to hear my complaining.

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 2021-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2021 I received a request from Bank of America for income verification and my social security verification. The letter was dated XX/XX/2021. I put together all the requested information, prepared a package and called Bank of America on XX/XX/2021 to ask them if they had a fax # or an email address where I could send the documents they requested, to avoid delays, save time in the mail and avoid sending personal identifying information in the mail. The gentleman I spoke to told me BofA did not have that option. The only option was using the prepaid envelope provided in the request and mail it back to them. I specifically asked the gentleman to make notes in the account that I was placing the paperwork in the mail the same day I was talking to him on the phone. He said he did. I wouldn't know. I mailed the paperwork to them on XX/XX/2021, immediately after talking to the BofA representative on the phone. I did not hear anything back from BofA until today, XX/XX/2021 when I called to follow up on the status of my account. I punched in the last 4 digits of my card number, an announcement came up telling me " this account is closed ''. I was furious. I had no idea my account was closed. I received no calls, no emails, no texts, no alerts, no correspondence in the mail. I called BofA, I got transferred, to learn that the reason BofA closed my account was because they received my income and ID verification documents " 2 days late ''. The letter BofA sent me specified that I had 30 days to comply, and I was way ahead of these 30 days when I sent them the paperwork in their own postmark paid envelope. The mail went out on XX/XX/2021, 2 days after receiving their request, and I diligently made a note of that. This is illegal practice by this bank. I did everything in a timely manner, I received the letter on the XXXX, and mailed the requested documents out to them on the XXXX of XXXX. Somehow, my paperwork fell through the cracks within BofA organization, or was sitting on someone's desk under a pile and got forgotten, and for that reason I am being penalized by BofA because they failed to process my information in a timely manner on their end. This is UNACCEPTABLE. This bank is clearly not practicing within the boundaries of their own time regulations. They have no right to close my account without properly checking their records, reading notes, checking the dates. They simply closed my account. End of story.

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 2021-02-23 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: DC

Complaint narrative:
CFPB : CFPB OPEN AND INVESTIGATE THIS COMPANIES REFUSAL TO OPEN AND PRODUCE FCRA SECTION 609 ORIGINAL DOCUMENTS WITH MY SIGANTURE AND REMOVE THIS ACCOUNT FROM MY CREDIT REPORT. THIS ALLEGED ACCOUNT IS ALLEGED AND MUST BE PROVED UNDER SECTION 609 OF FCRA.THIS ALLEGED ACCOUNT IS OVER 7 YEARS OLD, YET STILL BEING REPORTED. REMOVE IT IMMEDIATELY FROM MY CREDIT REPORT!! i do not acknowledge this debt and I demand it be removed from my tri-bureau credit report immediately!! this alleged debt is well over 7 years old. I am also a victim TWICE of identity theft from office of personnel management and XXXX. 
THIS COMPANY IS IS REFUSING, UNDER THE LAW TO PROPERLY INVESTIGATE this alleged account UNDER SECTION 609 OF FCRA AND I DISPUTED IT AND THEY REFUSED TO PRODUCE SECTION 609 DATA WITH MY SIGNATURE, THEY WERE SENT, THOUGH THE CFPB,. THIS COMPANY IS VIOLATING THE LAW AND I DEMAND THEY COMPLY AND DO A 609 INVESTIGATION AND REMOVE IT FROM MY CREDIT REPORT IMMEDIATELY!! I am a XXXX person and XXXX XXXX XXXX XXXX  and XXXX XXXX is discriminating against our nations XXXX XXXXXXXX XXXX and refusal to remove is making me homeless starving and freezing.

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