vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-16 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

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 2021-12-16 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: PR

Complaint narrative:
A fraudulent account appears on my credit that I do not recognize. The account is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX BANK XXXX XXXX DEPARTMENT STORES 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 2021-12-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I never received a mailed statement for the month of XXXX. I have always been on time and had I received it I would have been then.

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 2021-12-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: NC

Complaint narrative:
This is regarding the issue in complaint XXXX submitted XX/XX/21. 

At the time, they responded " XXXX XXXX, We have received your complaint and it is important to us. The CBE Group ( CBE ) submitted your complaint to our client and ceased collection activity on the account placed in our office for collection. Requests for deletion of our trade line have been submitted to the three major credit reporting repositories ( XXXX, XXXX, XXXX ). Sincerely, XXXX XXXX CBE Compliance ''. The complaint was then closed. 

However, I am still receiving communication from their debt collection agency, XXXX XXXX, as of today, XX/XX/21, via text message, meaning they did not cease collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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 XX/XX/2021 we while on vacation in XXXX we stayed at the XXXX XXXX XXXX, were corned into a travel membership in which we were told that could be cancelled at time by the representative. We still stated that we did not need this additional expense but they insisted to try and then we could cancel if it didn't work for us in which my credit card was charged {$2800.00} with re occurring charges of {$43.00}. We when returned to the US we reached to the company that we will like to cancel XX/XX/2021. They did not respond to us until weeks later and there was a major language barrier, we stated that we did not need the service and they refused to cancel and continued to charge. They stated that in order for us to cancel we would have to first use the service and if dissatisfied then we would be able to cancel and the representative XXXX state in order to not loose our money we would have to do a revised membership and then we could cancel if the service provided was lacking. Under the advisement of XXXX we agreed to a temporary membership with the intent to cancel. We have been sending cancellation request for the last 8 months and no response. 

We finally reached to our bank- Bank of America to file dispute against the charges because the company refuse to respond to us and instructed Bank of America to stop payments on the charges and provided evidence that we attempted several tines to cancel the membership and the company refused to cancel and refund. Bank of America is still allowing this fraudulent company to charge my credit card, even after filing several disputes against this company. Bank of America is charging my credit card.

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 2021-12-16 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: NJ

Complaint narrative:
You have listed incorrect accounts on my 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 2021-12-16 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
You have listed incorrect accounts on my 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 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 2021-12-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
Genisis FS Card Services Milestone Credit Card Application approved XX/XX/2021 Card to be received in 14 business days. 
Card not received. 
Called company. 
Card never issued. 
Recalled company. 
Card in processing. 
Called company today card mailed XX/XX/2021. 
Still no card. 
Statement received 2 weeks ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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: PR

Complaint narrative:
A fraudulent account appears on my credit that I do not recognize. The account is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ....

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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: FL

Complaint narrative:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

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 2021-12-16 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I sent letters to all XXXX credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 35 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2021-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/XXXX, I wrote a check ( # XXXX ) in the amount of {$1200.00} On the same day, I put a STOP PAYMENT on the check. 

On XX/XX/XXXX, the bank paid out on the same check ( # XXXX ). 

On XX/XX/XXXX, I walked into my branch ( Bank of America XXXX XXXX ), and spoke to the branch mgr. I explained the situation. I told her that I was surprised that the check was paid by the bank. 

Her response was, " it should not have been paid for 2 reasons ; 1 ) its a stale check and 2 ) a stop payment was put on it '' With me in the room, branch mgr called customer service. She was surprised to hear that STOP payments expire after 6 months. And checks do not go stale. 
She was very surprised. And I was too, of course. 

I was not informed that STOP payments expire. 
Also, the check was presented months earlier, and block by the bank. So the thief waited for the STOP payment to expire. 

I was not notified that the check was presented earlier easier.

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 2021-12-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: WI

Complaint narrative:
Since XXXX of 2018, my PSLF payments have not been updated as eligible although my annual certification was faxed to them by my employer. This year, due to a staffing change, I had to upload my own paperwork. While logged in, I noted that 46 payments had been missed/ not marked as eligible although they were. I have not changed employers or positions in that time. I have attempted to contact FedLoan Servicing via their listed email and multiple phone calls. Several times I have waited, stuck in their hold que, for hours. Today was for over XXXX hours. Following the prompt to " press 1 to be called back later '' only redirects you back to the holding que. 

This is incredibly frustrating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-16 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2021 a hard XXXX for XXXX XXXX XXXX ; t was made that was not me

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 2021-12-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: Beacon Funding Corporation
State: NJ

Complaint narrative:
On XX/XX/XXXX I wired the financial company one hundred and twenty three thousand to buy my trucks that was the amount that they asked for. I had a security deposit that was supposed to be returned after the loan was paid off I payed off loan 31 months in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
There are XXXX credits that were submitted by a vendor : ( XXXX XXXX XXXX ) The credit has not appeared on my statements nor has anyone at Barclays apparently done anything to resolve the issue. XXXX credit for {$250.00} was issued by XXXX on XX/XX/XXXX The other credit {$500.00} was issued by XXXX on XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: WA

Complaint narrative:
My home insurance company ( XXXX ) claims ( as of XX/XX/XXXX ) that I have not paid for my home insurance because the bank ( Suntrust, now Truist after merger ) managing my mortgage and escrow sent a " bulk check '' with 60 different mortgage holders on the check, and the insurance company is/ has been unable to connect this bulk check to my insurance account. 

The check was sent from Suntrust, now Truist, to XXXX on XX/XX/XXXX. The due date from my insurance company was XX/XX/XXXX. 

Suntrust, now Truist, believes they have paid the escrow, while XXXX believes they have not. I and possibly 59 other mortgage holders are caught in between. 

The bank claims they can not confirm whether or not the insurance company has received the check until 30 days after issuance of the check by the mere fact it was a bulk check and the insurance company is given 30 days to process it. I have no idea if this is a true statement, whether there is a financial law or regulation making it so. 

But because of this delay, this automatically means escrow payments will be late in the eyes of the insurance company. 

My other concern is the bank will do the same for my property taxes. 

XXXX has extended my grace period for one month, though because of the holidays, this gives me maybe 2 or 3 days to resolve the problem. I shouldn't have to be the one to resolve it. 

Suntrust, now Truist, gave me the check number, the check amount, and the number of names on the check on XX/XX/XXXX. They claim that they can't check whether the check was cashed until XX/XX/XXXX. XXXX at XXXX was the point person at Suntrust, now Truist.

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 2021-12-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I was notified via letter ( Credit Collection Services ), on XX/XX/21 about an account that was opened in my name for XXXX XXXX XXXX in the amount of {$440.00}. I informed them that i never ever had a XXXX or XXXX account. They suggested I contact XXXX, which I have done. CCS since then have reported this bogus account in my name to the credit bureaus. I am now in the process of filing a fraud/theft claim with XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
This account is on my XXXX report it was removed off XXXX and XXXX  I want this remove is not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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:
My information was used by someone who stole my identity to get credit accounts on my name, and not pay and they debts ended up in my account in collection unpaid and I'm left on the hook. my name ruined i can barely qualify for credit or better interest rate. 
this report is me trying to fix all the harm done to me my my life my good name.

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 2021-12-16 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have XXXX chase cards that have numerous fraudulent charges Due to these charges my accounts were closed and late fees have piled ontop of fraudulent charges after my wallet was stolen Chase has refused to take proper action and this is hurting my credit I have attached proof of my ID being stolen

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
You have listed incorrect accounts on my 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 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 2021-12-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
I have two loans of two properties with bank of America, I had 18 months COVID XXXX forbearance for both of the loans, between XXXX, XXXX - XXXX, XXXX, which ended end of XXXX, XXXX, I have made XXXX regular payments since then. 
The bank didn't apply the payments and forced me to pay all the payments during the 18 months of forbearance period. Right now they sent me letters said I am in default and they will sell my properties. 
Two loans with them, and the addresses associated with the loan. 
account number XXXX address XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX account number XXXX address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

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 2021-12-16 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: MI

Complaint narrative:
You have listed incorrect accounts on my 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 2021-12-16 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
You have listed incorrect accounts on my 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 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 2021-12-16 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 — Was not notified of investigation status or results
Company: ERC
State: NY

Complaint narrative:
I Received a call from XXXX XXXX from Portfolio Recovery stating i need to pay off my bill it was illegal and i would be sued in federal court If i did not pay the bill and possibly throw in Jail, I paid the XXXX  XXXX bill in full even though it was paid prior, I also was told after it was paid in 30days it will be delete off my credit report and it is still there. This company have over 2000 complaints here at the CFPB and I demand something be done about this company and this fraudulent account be removed off my credit report as it his hurting my living. Thank you.

Company response to consumer: Closed with explanation