vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-19 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: MD

Complaint narrative:
Over the past 2 years I have submitted disputes to the organization and the credit bureau for reporting inaccurate information. XXXX XXXX continued to report inaccurate information to all 3 the credit buraus. After each dispute XXXX XXXX would come back and say the information they are reporting was accurate. In XXXX, Equifax deleted the account after a dispute due to the continuous inaccurate reporting from XXXX XXXX. I grew so tired of the back and forth between XXXX XXXX, and the credit bureaus I paid the car off early in XX/XX/XXXX and the account was closed. 
Today XX/XX/XXXX. I get a letter from Equifax indicating that XXXX XXXX requested to have the account reinserted into my credit XX/XX/XXXX. The account was reinserted as an open account with a {$5900.00} balance. My Equifax credit score took a hit for the reinsertion of an account with debt I don't actually owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I, the consumer, requested that personal information be removed from my consumer report showing incorrect spelling of names and unknown addresses. This request was received by the consumer reporting agency, TransUnion, file # XXXX on XX/XX/22 with proper documentation included. ( i.e. ID, Proof of Address ). The consumer reporting agency, Transunion, responded on XX/XX/22, with the opinion that they believed I did not send in the request and I may have used a third party. Along, will no personal information being updated. This is a violation of my rights per 15 USC 1681H ( a ) ( 1 ).

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 2022-03-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Wrong personal information on 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 2022-03-19 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: EQUIFAX, INC.
State: MO

Complaint narrative:
Wrong personal information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Beginning on XX/XX/2002 including today XX/XX/2002 I have had 22 phone calls from PORTFOLIORECOV. Most calls show from CA, but also one each from TX, ID, IN, NJ, WI, KY and IL They have never left a message nor have I ever received anything written as to why they are calling. My son and I who live here have no unpaid overdue debt. I suspect fraud. All calls have been to my home phone that is a land line and some appear to be ROBO. 
I have listed all the calls including date, phone number city and state called from on a note pad, but I don't know that that will help in this complaint. I can send them, if needed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-19 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
The XXXX XXXX XXXX card that is a Bank Of America prepaid card ; would have an atrocious customer service team. 

I have been waiting for months and months ; since last year for my backpay unemployment pandemic benefit. 

It is is very much challenging and all that NJ Dept Of Unemployment Insurance ; as well as Bank Of America can do is play games with a nice woman as myself. 

They owe me way more than {$3000.00} and then to take away my benefits where I am left even more stranded... .would be cruel and harsh treatment. 

Additionally ; I have permanent XXXX  injuries and to go through this aggravation is not fair and its not deserving. 

I will have to stop using business services and their companies ... .if they continue to hire incompetent, jealous haters aka cancel culture groups that have no idea that what they do ; will come back at them even worse. 

I am still waiting for my good karma. Its not a higher spiritual being that is blocking my good karma... .its evil people.

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 2022-03-19 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: LA

Complaint narrative:
I recently pulled my credit report and discoved several accounts that do not belong to me. I have listed the fraudulent accounts below XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following information does not belong to 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 non-monetary relief
Consumer complaint received 2022-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
Attn : I had invested thousands of dollars in the stocks with Robinhood and I also had a debit card attached to this account. I had fraudulent purchases on my account and once I found out I notified Robinhood immediately in XX/XX/XXXX. 
They have refunded some of the fraudulent charges and some have not been refunded. 
I have been in communication with them constantly and I have been unable to resolve this matter. I have reached out to XXXX to assist with this matter and Robinhood has been uncooperative with them. 
I was referred to your department by XXXX for you to assist with this matter. 

Robinhood XXXX ID : XXXX I had money in the stocks with Robinhood, some items were reimbursed, and then all of a sudden my account went into the negative.

Where did my money go? How can I go from a positive to a negative and Robinhood will not give me an explanation of how this happens?

Where is my invested money in the stocks?

I have repeatedly requested for Robinhood to send me a printout of all these transactions in the past and I have not received any response. 

This is an example of some of the disputed items : The XXXX were XXXX separate transactions XX/XX/XXXX was {$530.00} and on XX/XX/XXXX : {$530.00} So, in essence, all that was returned was the full amount of {$530.00} What happened to the refund for {$530.00}? 

These transactions were credited to my account and then Robinhood reversed them : XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: NE

Complaint narrative:
My credit score has dropped hundreds of points over a few months even though I never got any loans or did not pay for something. I have made any payment on one credit card I have with only {$150.00} limit. Old ( from up to 7 years ago ) are now showing up on the report that have already been paid, settled or do not belong to me. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 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: NC

Complaint narrative:
XXXX XXXX XXXX ( XXXX XXXX XXXX ) claimed I did not make my mortgage payment in XXXX, 2017. 

I made one payment on XX/XX/2017 to XXXX XXXX XXXX  XXXX XXXX ( the original lender ) and a second payment on XX/XX/2017 to XXXX. 

I realized at a later date that XXXX had reported my payment as late which is inaccurate. I have reached out to XXXX and the credit agencies several times to get this removed. However, it remains reported late.

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 2022-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sarma
State: AZ

Complaint narrative:
XXXX sold my credit card debt to Sarma. I negotiated a 50 % settlement. I would make XXXX payments of {$100.00} a month for XXXX months with a balloon payment on month XXXX. At the time, I was told that the balloon payment could be negotiated into a new payment plan if I was not able to come up with it. I called in XXXX again in anticipation of the balloon payment approaching in XXXXXXXX XXXX 2022. Again, I was told if I could not make the balloon payment I could negotiate the balance. Sarma contacted me this XXXX. I told them I wanted to renegotiate a new payment plan for the balance. The XXXX, XXXX, said that because I could not make the payment that the balance would go back up to essentially the original amount of the debt, XXXX XXXX. She said she could make a new settlement and could " Possibly '' put it in writing. The new settlement did not account for the entire {$1100.00} I had already paid them. I asked her where the {$1100.00} had gone and she could not tell me. I think their practices are crooked and want to know where my {$1100.00} is.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Aargon Agency, Inc.
State: DC

Complaint narrative:
On XX/XX/XXXX, I received a note from my credit card company ( which does credit monitoring ) that I had a new negative credit report. Aargon Collection Agency has a collection on me for {$120.00}, apparently for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX. This is the very first time I had heard anything about this debt, whether from the hospital or Aargon or anyone else. I have never once been contacted by anyone regarding this bill. The collection agency said that my address was listed at a residence I had last lived at in XXXX, and they gave an incomplete address for that even ( they did not have the full street name, the street number, or my unit number ). 

During my hospital visit in XX/XX/XXXX I distinctly remember filling out forms including my current ( to this day ) address, phone number, and email. XXXX XXXX XXXX XXXXXXXX XXXX XXXX and Aargon did not make use of any of that information in attempting to contact me. Even my emergency contact ( as told to me by Aargon ) was listed as my late father, who passed away several months before my XX/XX/XXXX hospital visit. They must have had information on my file from over a decade before and failed to use the recent information I provided them.

This negative credit report has lowered by credit score from XXXX to XXXX, in one day. I am attempting to apply for a mortgage currently and this mistake will cost me thousands of dollars in additional interest. 

I am happy to pay whatever I owe, but I have never seen a bill for this charge, I do not know if my insurance was properly applied, the hospital did not attempt to reach me before sending this bill to collections ( even though I provided them with accurate contact information at the time of my visit ), and the collection agency did not make any serious attempt to reach me before filing a negative mark against me with the credit agencies. I have lived at my current address for over seven years and have not changed my phone number since XXXX ; my contact information is also readily available from commercial sources. 

This negative credit report needs to be completely and immediately removed from all of my credit records.

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 2022-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I am sending this letter to Comenity Bank because I am formally asking them to remove the cease and desist, they applied to all my valid accounts. 

the cease and desist was only supposed to be applied the account that was listed on the letter which was the XXXX account. 

This letter is asking that they remove all holds from all my valid accounts and only apply the cease and desist to XXXX account and remove from all other accounts, because they are valid, and payments are made on them monthly and are all in good standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kinum, Inc., Indianapolis, IN Branch
State: TX

Complaint narrative:
XXXX XXXX and XXXX XXXX from Kinum , Inc. of XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX VA XXXX have been harassing me over the past several years about a false debt that I have nothing to do with. The alleged debt has to do with a business contract between XXXX corporations and the amount owed is completely fabricated. In fact, the other party that they claim to represent has admitted to not knowing where any of this is coming from. They have called me, my family, and have sent aggressive letters threatening to sue. People who act in such manner based on erroneous and completely unfounded claims must be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
XXXX XXXX  XXXX billed me improperly for amounts my insurance should have covered. I told them to bill the insurance and it looks like they never did they just continued to send me bills. I continued to dispute such charges. They sent my debt to collections now with Credit Collections Service XXXX XXXX, MA. This was a surprise medical bill anyway, it should have been covered on my insurance and I never consented to my bill and statement being send to Credit Collections from the start. XXXX now continues to contact my after being asked not to be contacted about this debt that I do not owe.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 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: GA

Complaint narrative:
In the month of XXXX, I recently wrote a complain about all the credit bureaus explaining why XXXX XXXX XXXX XXXX is on my credit as a charge-off with a balance of XXXX dollars. I never received any validation, letters, or email from XXXX XXXX XXXX XXXX, after they took the car. The repossession wasn't peaceful, they was rude and we got into an altercation, and on top of that I didn't receive a presale or post sale letter. If this item can't be verified I need it deleted off my account., according to the FCRA Law Statement.

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 2022-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have a screenshot of the date I received an email from my bank stating that after paying the item and charging me a fee I had {$150.00} and some cents, now I questioned the bank and they said yes this is the amount in acct. so I stated that Im in the positive and you cant charge me the fee there and as money in account to pay item I have been told twice and I told them I have screenshot of the email as proof I was in positive and they need to reverse fees. Now this morning I look on my Bank of A. App. And I see Im negative XXXX and some cents for transactions on XXXX now yesterday I saw I was XXXX and some cents negative so I rushed and deposited {$5.00} to bring positive I did this before the last deposits can be made at XXXX  XXXX. Which would be XXXX California time. Which it shows posted on XX/XX/22. Now anything that comes in is posted for XX/XX/22. So the fee they charged on the XXXX is in correct because I was positive the they decide to charge me a fee of XXXX leaving me XXXX cents now I also have a problem with the fact That bank of A like to look at online banking when they speak to you and we use the B of A XXXX. Now you would think that all they see is what we see oh no for some reason its way different that what we see. Im sorry I go by the app this way I facial ID my info not just online banking to many ways things get seen. Yet what I see is I am in negative on XX/XX/22 go deposit I have receipt that shows positive yet they slip a XXXX fee in there for activity on XX/XX/22 yet I see my activity and I am not in negative at anything till way in after noon make deposit yet charged and show today I have read major complaints about this and other fees people are charged and they arent valid I want my monthly back

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 2022-03-19 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: LA

Complaint narrative:
I recently pulled my credit report and discoved several accounts that do not belong to me. I have listed the fraudulent accounts below XXXX - XXXX Dept of the threasury XXXX First XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following information does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 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: LA

Complaint narrative:
I recently pulled my credit report and discoved several accounts that do not belong to me. I have listed the fraudulent accounts below XXXX - XXXX Dept of the threasury XXXX First XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following information does not belong to 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 non-monetary relief
Consumer complaint received 2022-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc.
State: MO

Complaint narrative:
I am trying to get my house refinanced through XXXX XXXX and our current loan company does not have my loan modification that was done with caliber loans in 2012. I have tried to contact both current and prior loan companies to get this loan modification and I am unable to contact caliber loans and XXXXXXXX XXXX says they do not have it. XXXX XXXX says it it illegal for a company to have the loan without this information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
This shows up on my XXXX XXXX account. I happen to be checking my credit and found this notification to be addressed. The person below is NOT me but the last four digits of the social are mine. Is this breach real? 

Dark Web Alert Compromised XXXX XXXX XXXX Date found on dark web XX/XX/2022 Additional info found with this breach Identity Information Drivers License Number : XXXX Drivers License Issue State : pa First Name : XXXX Last Name : XXXX XXXX Number : ( XXXX ) XXXX Contact Information Address : pa XXXX I do not know this person XXXX and/or the phone number identified. The drivers license also does not belong to me. I found this information only on XXXX XXXX as a result of checking my credit. It does not appear anywhere else, but I felt the need to address it since it is recent. 

How does this affect my credit and/or history? I can't seem to identify where he might have breached my account. 

Please help.

Company response to consumer: Closed with explanation