vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-16 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-05-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kimball, Tirey & St. John LLP
State: TX

Complaint narrative:
In the year of XXXX  I was stationed in XXXX XXXX, Ca. At the time I was living at XXXX XXXX in XXXX XXXX, Ca. I received orders to transfer which caused me to break my list. There are military orders that were given to the complex and they said they would honor them and break my list to no cost to me. When I got moved, I received a letter stating that I owed them over {$9000.00} for my lease. I called and told them that i gave them my orders as well as the federal orders that lets servicemen and women the ability to break their leases when given new orders. They declined them and told me I had to pay the entire amount or half of the amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Its listed on my background check that I have a XXXX XXXX in 2006 This is incorrect I was XXXX XXXX XXXX and a XXXX and I have had a search performed showing I have no convictions as a minor or otherwise Please remove and update This is hindering me from obtaining employment

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 2023-05-16 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My XXXX  federal tax return was deposited into the wrong account of a bank of america customer

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 2023-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I had Fraud on my bank of America card, high end restaurants and a few other things. 

They also mistakenly put 2 disputes in there and used that as a reason to deny the fraud claim. 

XXXX XXXX XXXX and XXXX XXXX are DISPUTES with the merchant not Fraud. 

Unauthorized charges they decided to claim were " Valid '' and when I did a second review said if I did more my account would be terminated. 

So a client can't report fraud or they can lose their account?? no wonder Fraud is up, they almost welcome it and treat the Victim like the crook. 

They have since deleted the claim off my profile so I dont have a claim number, they are being very under handed here.

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 2023-05-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I received a notification by TranUnion that 4 accounts was open on XX/XX/XXXX by XXXX XXXX a Debt Collector. I called the company and asked about the accounts that showed up on my credit report from TranUnion. I was advised that the accounts was open in XXXX with a company called XXXX. I never open them account in XXXX. I filed XXXX XXXX and this company wasn't in my accounts to pay back. Please have account removed off my credit report that's reporting negative cause I never open them. 

XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-05-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NH

Complaint narrative:
Currently hold a Home Depot credit card. They often offer promotional " financing '' opportunities to extend no credit purchases of certain monetary amounts for various lengths of time ranging from 6-24 months, at no interest, with minimum payments. I took advantage of such offers while building our retirement home. Citibank is the financier behind the card. When making a payment to clear my revolving monthly balance ( as to not incur their 17.99 % interest charge ) the company redirected those funds to an allocation of their choice- to pay off an upcoming, not yet due promotional balance. This left a balance in the revolving line item which if not paid off the following month would begin to accrue interest. This was not my intent so I called the company to allocate my payment as I originally intended only to be told that was not possible. It seems their system intentionally allocates payments to attempt to confuse consumers and " trap '' unknowing or less educated consumers into paying outrageously high interest. They engage in several tactics to misguide consumers so they find themselves paying the inflated interest rates. These include adding this allocation practice to the small print of their terms and agreements, not allowing consumers to direct their payment to the amounts they want, requesting minimum payments which would lead to interest, not clearly stating what payment is needed as to not incur interest, placing that amount in smaller print below the main statement details, and telling a consumer they are unable to allocate their money where they chose. These are predatory lending practices designed to confuse consumers, take advantage advantage of Americans less educated in financial matters and force them to pay extremely elevated interest rates. It is a horrible practice designed to prey on the most vulnerable of our population.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Credit Karma, LLC
State: TX

Complaint narrative:
On XXXX XXXX. A payment was made to XXXX mortgage in the amount of XXXX from my credit karma account however the account was negative XXXX cent so the payment was NSF. the same day I try to transfer a dollar from my saving to my checking account to resolved the negative balance so that credit karma would not NSF that transaction but was told there was nothing that they could do so that would mean that I would have to get a NSF charge from my mortgage due to them not allowing XXXX to pull the money. so since i knew the money would be there tomorrow, i went ahead and schedule the payment for tomorrow. The payment was pull for tomorrow however the NSF had not been completed that morning so this gave me another NSF from my mortgage company. I try to call credit karma and let them know the situation since this was the second time and since they told me the money would have been there today even tho now i can see this was a timing issue but after speaking with a supervisor he just hang up in my face and didnt care about anything that i had to say which mean that i am not value and this mean I need to take my business somewhere else.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Blockchain.com, Inc.
State: CO

Complaint narrative:
I bought XXXX and attempted to withdraw. The company allowed me to buy XXXX and then froze the bitcoins when I attempted to withdraw. They requested documents and I sent them every document they requested. After I sent the documents, they have refused to respond. My XXXX has been frozen for almost 2 months now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I have been paying well over the minimum balance for a long time. I have XXXX additional categories in addition to purchases, which are the lowest interest rate. I had Bank Cash Advances and another category broken out as Direct Deposit and Check Cash Advances. The latter have the same interest rate. However, the balance bearing on the interest rate is substantially higher for Direct Deposit and Check Cash Advances than for Cash Advances. The law states that amounts above the minimum should be allocated based on the BALANCE BEARING THE NEXT HIGHEST RATE OF INTEREST. Bank of America should have allocated the payment over the minimum balance to the Direct Deposit and Check Cash Advances balance which had a balance over {$12000.00} more than the Cash Advances. As a result, the Direct Deposit and Check Cash Advances balance continued to increase by several thousand dollars. The Cash Adnance balance was less than {$3000.00}. Based on the intent of the law, the balance that would have the greatest bearing on the interest rate accrual should have been paid 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 explanation
Consumer complaint received 2023-05-16 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Experian only CRA to persist false/inaccurate/misleading/unverifiable information for this account ; annotations relate to XXXX mishandling account by : 1 misapplying payments ; 2 ignoring billing error notifications ; and ultimatley failing to correct errors on the account before their system charged the account off. 

Payment history was found to be inaccurate and thus was removed. However, The CO annotations remain and do NOT correlate to any known period for which XXXX was found to have provided accurate/verifiable payment history. 

The bank may only charge-off a loan after a certain threshold in days late is reached. 

Since the CO annotations were the result of 1 ) and 2 ) above, for which prior payment history was removed because it was false, misleading, inaccurate, and unverifiable, the CO can not stand on their own in context To persist those annotations is to engage in unlawful, unfair, and abusive practices and misleads a potential creditor into believing the CO the result of my actions, rather than the inaction/negligence of the bank. 

A partial denial of remedy, ie. paying off the account balance in absence of removing the charge-off statuses for XX/XX/XXXX thru XX/XX/XXXX, does not fix the damage that has already been done to me as a consumer. 

The fact is I have been denied housing in part because of the CO annotations because those management companies believed it to be an indicator of not paying my bills : " excessive charge-offs. '' I am asking that Experian remove the CO annotations because the annotations are misleading and continue to cause me undue harm as a consumer.

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 2023-05-16 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I received a letter in the mail from Comenity Bank dated XX/XX/2023. It was thanking me for a recent application for a XXXX XXXX Credit Card. They were not approving the application. 

I DID NOT apply for this card. I contacted Comenity Bank to make them aware. I also filed a dispute with XXXX to have the hard inquiry removed from my credit report. 

I have also put Fraud alerts on all 3 of the credit reporting companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
Ocwen Mortgage serviced my loan # XXXX between XXXX - XXXX. 
Property address is : XXXX XXXX XXXX # XXXX, XXXX MA XXXX. 
Then it was transferred to another servicer XXXX in XXXX. 
Expected that account is closed as of XX/XX/2013. 

I just got a Credit Report and Ocwen shows as OPEN, but should have been CLOSED back in XXXX. 

Called Ocwen customer service on XXXX twice between XXXX - XXXX XXXX. They were unable to find my account by loan # or SSN # since account has been Closed. 

Now I am stuck with Loan showing OPEN which hurt my Credit Score since I am trying to obtain a new Loan. 

Matter is URGENT and requires an immediate assistance in resolving as soon as possible. 
This account should be Closed. 

please see credit report attached Thank you XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Affiliated Creditors, Inc.
State: HI

Complaint narrative:
I believe my information was mailed to an old address or I believe it took place when I lost my wallet for years back.

Company response to consumer: Untimely response
Consumer complaint received 2023-05-16 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent a dispute letter over 90 days regarding account XXXX XXXX XXXX XXXX. Please send me the proof that you ever did an investigation on this late payment. The only legal form of verification is a copy of their bank statement proving when my account was late. Unless you can furnish this, you need to remove this late payment due to inaccurate reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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: IN

Complaint narrative:
Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items arebeingreported correctly? 
Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 


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 2023-05-16 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: IN

Complaint narrative:
Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items arebeingreported correctly? 
Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-16 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: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
The account in question is American Express Revolving Credit card account. 
It was opened in XXXX by someone using my information. I learned about it in XXXX when I noticed a delinquent account on my credit report. Since then I Have had multiple disputes, multiple snail mail attempts and unsuccessful attempts at having the account confirmed as a fraudulent account as it actually is. I frequently received dispute responses that were inaccurate - such as " We have confirmed this account belongs to you because there were payments made on the credit card from a XXXX XXXX account '' when the XXXX XXXX account also doesn't belong to me, but of course they can not give me the information of that account to be able to move the dispute further. 

Now they have decided to send the account to debt collector and have requested to garnish wages from my employer for what is A FRADUELNT account. I'm in the process of fighting this more but this just seems insane.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-05-16 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: GA

Complaint narrative:
Personal Information Update Letter XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XX/XX/XXXX Transunion LLC Consumer dispute center po box XXXX XXXX, PA XXXX RE : Social Security Number XXXX To Whom This May Concern : This is my SECOND TIME writing you to update my information 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities With fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My XXXX XXXX - XXXX XXXX 2. My Address - XXXX XXXX XXXX XXXX XXXX, Ga XXXX Please delete all other addresses, I can not receive mail, any correspondence, nor do I have access to any of these addresses. Please delete these outdated addresses and update my consumer report with the one above. 
My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT XXXX5 USC 1681 ( a ) ( 4 ). I am a federally protected consumer and I have a right to privacy. Not granting me my rights is indirect violation of 15 USC 1681 and all its subsections.

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