vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
This is probably the 5th complaint about the same issue regarding Bank of America and their unfair business practices.

1. They are not investigating disputes. I disputed several XXXX  charges and they initially credited my account, but then they reversed the credit saying that the business never responded. No response from XXXX  does not validate the charges. I have 3 disputed XXXX  charges for rides that I did not take.

2. These charges have caused my account to become overdrawn and then the Bank charged me overdraft fees. My concern is that they will close my account as they did my savings account and make a negative report to the credit bureau. I don't care if the account is closed, but I want these issues addressed first.

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 2021-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
This fraudulent Capital One credit card account was opened on XX/XX/2019. I have no knowledge of this account. I have tried several procedures to have this account deleted from my credit report. As I didn't know the proper steps to take this fraudulent account just remained on my credit report. I have contacted Capital One directly about this complaint. They did nothing. I even paid the account off through their collection department in hopes that the account would be deleted from my credit report as told to me by a representative on the phone. This account remains on my credit report and is affecting me dearly at the time of this PANDEMIC ( COVID-19 ). Capital One has no signature bearing my name in wet ink on no contract validating this account. This fraudulent Capital One credit card account should be deleted from my XXXX  credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Experian has had my credit report locked since XX/XX/XXXX. I have called several times including XX/XX/XXXX. The representative told me that someone else name was attached to my credit profile and I needed to send my SS Card, ID, and proof of address via email. I sent that XX/XX/XXXX. I still haven't seen any progress so I called back XX/XX/XXXX and was given the run around.

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 2021-08-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: EZ Loans, Inc.
State: DE

Complaint narrative:
I notified the manager of the store location where the loan was obtained on XX/XX/21 via email that I could not receive personal phone calls at work. They then still called my work phone on XX/XX/21, so I reminded them again I was not allowed to receive calls at work. On XX/XX/21 they called my work phone again and I again reminded them not to call me at work. I received another phone call today ( XX/XX/21 ) despite numerous emails telling them I could get in trouble for receiving personal phone calls at work that they responded to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I filed a dispute in regards to incorrect information found on my credit report. It has been will over 30days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MS

Complaint narrative:
I paid my balance in full and was charged interest. When I called about it I was told I would need to pay the interest even though I had already paid the balance and that I was being charged interest on that interest. With this practice I will not ever be able to pay off the account. According to XXXX at Citi this is there practice.

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 2021-08-24 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: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I was given a forbearance by SLS in XX/XX/XXXX. When it came to resuming payments I asked if the 6 months could be added on the end of my mortgage but was told my only choice was to get a new 40 year mortgage where my payments would be approx {$2400.00} per month. During this discussion I resumed payments and as you can see from the attached statement from XXXX  XXXX XXXX, I have paid my mortgage monthly, EARLY and MORE than was actually owed. During this time SLS has reported me TWICE as being delinquent and my credit score has dropped 149 points. I have gone from having excellent credit ( which I worked very hard for ) to having bad credit and have been subsequently turned down for credit due to this. I called SLS in XX/XX/XXXXand they completely admitted being in the wrong and said that they would make it right. But then in XX/XX/XXXXit happened again. Once again I called SLS and was promised a letter and notification to the credit reporting agencies letting them know it is inaccurate. When I checked my credit score it just says that I made my account current, not that I was never delinquent so my credit score remains low. I have asked them to make this right and am not getting a satisfactory answer or resolution. They also processed a charge for an inspection in XX/XX/XXXXwhich did not happen. Please help!

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 2021-08-24 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: EQUIFAX, INC.
State: GA

Complaint narrative:
ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: NY

Complaint narrative:
I demand to see Verifiable Proof from Experian, XXXX  and XXXX ( an original Consumer Contract with my signature on it ) and have a file of the accounts listed below. The failure to positively verify these accounts, has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof. I demand the following accounts be verified or removed immediately. Please add a Promotional Suppression to my credit file. Which, nothing was sent or handled. In addition, investigation always exceeds the 30 day window. 

XXXX XXXX XXXX  XXXX Unverified Account XXXX XXXX  XXXX Unverified Account XXXX  XXXX  XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified 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 2021-08-24 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: NC

Complaint narrative:
See highlighted information.

Every item that is circled and highlighted is a violation. Every account in violation needs to be removed. There are multiple federal violations and discrepancies in accuracy of reporting that will cause information to be reported after the statute of limitations.

I will be taking legal action for every item that is not removed as it each violation is breaking federal law per the Fair Credit Reporting Act.

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 2021-08-24 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: NC

Complaint narrative:
See highlighted information.

Every item that is circled and highlighted is a violation. Every account in violation needs to be removed. There are multiple federal violations and discrepancies in accuracy of reporting that will cause information to be reported after the statute of limitations.

I will be taking legal action for every item that is not removed as it each violation is breaking federal law per the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
This is a written notice to XXXX XXXX XXXX who acts as the ceo of BB & T and XXXX XXXX XXXX who acts as cfo of BB & T that I the consumer who acts as the agent for XXXX XXXX am invoking my right to rescission 15 usc 1635. I rescind all signatures, endorsements, and consents of the use of my information. I demand all money be returned by check, I also demand the cancelation of any contract and security with you, and everything stated above mailed to the address of the principle XXXX XXXX in good faith.

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 2021-08-24 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: CA

Complaint narrative:
On XX/XX/2021 I Submitted a dispute with Experian disputing an erroneous, inaccurate and/or incomplete address which is XXXX XXXX XXXX XXXX XXXX, NM XXXX of which they responded by saying that I need to contact every CREDITOR and/or SOURCE my question is why if I am the consumer not an employee of Experian. Experian is reporting this non fcra compliance address they need to investigate and if they can not verify that this address belongs to me it must be deleted immediately. provide method of verification or delete section 611 of the fcra please provide with name and phone numbers, employee numbers that provide verification of this wrongful address.

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 2021-08-24 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
I have been in contact with Phoenix Financial Services since XXXX  as of late I have sent the documents XXXX and XXXX in regards to this fictitious debt they placed on my consumer report. They had no write to place any false misleading unverified accounts on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: NY

Complaint narrative:
On XX/XX/XXXX I seen inquiries I didnt recognize I sent a letter informing transunion about the inquiries i have yet to receive an investigation response back from the bureau in response. 

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 2021-08-24 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
At XXXX XXXX, EDT today, I received a text message purportedly from Chase bank asking me to call a particular number. 

I will try to show how it came. FRM : XXXX XXXX MSG : Dial-Us XXXX XXXX XXXX XXXX XXXX XXXX  I did call, they asked for my Debit Card Number. I don't have one. Foolishly, I entered my credit card number ; they said they could not accept a credit number. 

I hung up and called Chase ; the lady said it was probably a fraud. I have to contact XXXX XXXX because I have to work with them on some issues, but I will cancel the card. My husband used the card today as he is flying today and tomorrow. I told him NOT to use the card tomorrow, since what he would use it for was paid today.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDICO. INC
State: CO

Complaint narrative:
On XX/XX/XXXX, I had XXXX  XXXX from XXXX XXXX of Colorado XXXX and was charged an additional {$250.00} by a contracted Surgical Assistant ( XXXX XXXX XXXX XXXX ) who identified himself as the Doctor 's assistant and not as a member of a separate organization. He had me sign an agreement I would pay {$250.00} and if my insurance declined his service, I would have to pay no more than {$250.00}. As my insurance had already informed I would be covered, I knew this would be returned. I emailed this contractor asking about my refund and received no response. I called the number on the emailed receipt, the number went to a realtor, so I disputed the charge. He contacted me and became defensive, verbally abusive and threatening. Weeks later, I received a collections notice from " Credit Collections Bureau ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) '' for {$1800.00} ( {$1800.00} for service and {$19.00} for interest ). I called Monday XX/XX/XXXX and left a message for my case worker with CCB and still have not received a response. I called Tuesday, XX/XX/XXXX and spoke to a general agent there and requested a " verification of debt ''. He instructed me to fill out a form online in lieu of sending mail, which I did, I also included the agreement which stated I was to pay no more than {$250.00}. I have not received an email or letter with " verification of debt '', per legal guidelines I am to receive this within 5 days. I called on XX/XX/XXXX to request this again and ensure my case was closed as if there was any collectable amount, it would be {$250.00}. They instead told me they had requested the " verification of debt '' from the contractor, meaning they took me to collections without proof I owed any money. They continued to tell me, that despite a less than legal contract ( I signed this moments before going into XXXX when I was certainly not thinking clearly, thereby under duress ), that the agreement stated I owed everything he was requesting not just the {$250.00} the agreement stated. 

This collections company is not providing a " verification of debt '' as required by law. They are also requesting to collect an amount that is contractually not what I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: UPGRADE, INC.
State: CA

Complaint narrative:
Filed a dispute regarding incorrect balance and payment history with reporting agencies XXXX  and XXXX. Upgrade responded via email with an obviously stock robo answer that information was indeed correct and that it takes 30 to 60 days for the reporting agencies to update information. They are the only creditor that I have where this seems to be the case. I resubmitted an additional dispute and received the same response. I then filed a complaint on this website after seeing my score drop 18 points. Upon further investigation it appears now that rather than correct the information they have reported to the credit reporting agencies my account is now reported as being closed. Which it is not. It sure didn't take 30 to 60 days to report my account as closed. Seems a bit retaliatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America, an old checking account has put " suspected fraud activity " on my account and closed the account. I do not do fraud, I have no clue how to do fraud, and neither do I want to do fraud. Someone has hacked into my bank account and did whatever it is that they did. Which I have no clue what they did. I did not take any money from anyone. It stated on the report the charge off amount is {$8600.00}. I have no clue who did it nor do I want any parts of it. I am a hard working mom of XXXX and I am in college for XXXX XXXX. I need to open up checking accounts for my children and I and I can not due to the fact that whoever did whatever to my account. I am very genuine and very honest. I would not ever do that. Once again I have no clue how that happened. Please, I am begging you to help me fix that issue.

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 2021-08-24 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: CA

Complaint narrative:
I was given a forbearance by XXXX  in XX/XX/XXXX. When it came to resuming payments I asked if the 6 months could be added on the end of my mortgage but was told my only choice was to get a new 40 year mortgage where my payments would be approx {$2400.00} per month. During this discussion I resumed payments and as you can see from the attached statement from XXXX  XXXX XXXX, I have paid my mortgage monthly, EARLY and MORE than was actually owed. During this time XX/XX/XXXXhas reported me TWICE as being delinquent and my credit score has dropped 149 points. I have gone from having excellent credit ( which I worked very hard for ) to having bad credit and have been subsequently turned down for credit due to this. I called XXXX in XX/XX/XXXXand they completely admitted being in the wrong and said that they would make it right. But then in XX/XX/XXXXit happened again. Once again I called XX/XX/XXXXand was promised a letter and notification to the credit reporting agencies letting them know it is inaccurate. When I checked my credit score it just says that I made my account current, not that I was never delinquent so my credit score remains low. I have asked them to make this right and am not getting a satisfactory answer or resolution. They also processed a charge for an inspection in XX/XX/XXXXwhich did not happen. Please help!

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 2021-08-24 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I was given a forbearance by XXXX  in XX/XX/XXXX. When it came to resuming payments I asked if the 6 months could be added on the end of my mortgage but was told my only choice was to get a new 40 year mortgage where my payments would be approx {$2400.00} per month. During this discussion I resumed payments and as you can see from the attached statement from XXXX  XXXX XXXX, I have paid my mortgage monthly, EARLY and MORE than was actually owed. During this time XXXX has reported me TWICE as being delinquent and my credit score has dropped 149 points. I have gone from having excellent credit ( which I worked very hard for ) to having bad credit and have been subsequently turned down for credit due to this. I called XXXX in XX/XX/XXXXand they completely admitted being in the wrong and said that they would make it right. But then in XX/XX/XXXXit happened again. Once again I called XX/XX/XXXXand was promised a letter and notification to the credit reporting agencies letting them know it is inaccurate. When I checked my credit score it just says that I made my account current, not that I was never delinquent so my credit score remains low. I have asked them to make this right and am not getting a satisfactory answer or resolution. They also processed a charge for an inspection in XX/XX/XXXXwhich did not happen. Please help!

Company response to consumer: Closed with explanation