vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-19 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: TN

Complaint narrative:
XXXX XXXX XXXX reported XX/XX/2020 30 days late to all the credit bureaus. I made the payment at or before the XXXX XXXX  Mountain time cutoff but the transaction history shows that the payment was made at XXXX XXXX  so they processed the payment on XX/XX/2020. This caused the account to appear to be 30 days late. I called and asked them to correct the issue and they said that they could not and the issue is closed with their Consumer Escalations department. I told them that I would be filing a complaint with this agency and they responded that they would not remove it and the case is closed. This report is inaccurate because I was not 30 days past due and this has completely damaged my credit rating and caused me to be rejected for a refinance of this mortgage. I just want this to be corrected as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX XXXX XXXX reported XX/XX/2020 30 days late to all the credit bureaus. I made the payment at or before the XXXX XXXX  Mountain time cutoff but the transaction history shows that the payment was made at XXXX XXXX  so they processed the payment on XX/XX/2020. This caused the account to appear to be 30 days late. I called and asked them to correct the issue and they said that they could not and the issue is closed with their Consumer Escalations department. I told them that I would be filing a complaint with this agency and they responded that they would not remove it and the case is closed. This report is inaccurate because I was not 30 days past due and this has completely damaged my credit rating and caused me to be rejected for a refinance of this mortgage. I just want this to be corrected as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-19 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I disputed on XX/XX/XXXX with the bureaus regarding a late payment that is COMPLETELY inaccurate as well as a collection that no one has yet to verify or validate for me as being accurate, therefore I do not feel I am responsible for it! Since the bureaus didn't correspond with me about anything, I disputed again on XX/XX/XXXX and yet again, the bureaus have ignored my request, this is very negligent and not fair to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I disputed on XX/XX/XXXX with the bureaus regarding a late payment that is COMPLETELY inaccurate as well as a collection that no one has yet to verify or validate for me as being accurate, therefore I do not feel I am responsible for it! Since the bureaus didn't correspond with me about anything, I disputed again on XX/XX/XXXX and yet again, the bureaus have ignored my request, this is very negligent and not fair to me 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 2021-02-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I noticed today that my BankAmericard MasterCard was closed while online. I looked at my card and the expiration date states that the card is valid thru XX/XX/XXXX. I called Bank of America customer service and was told the account closed on XX/XX/XXXX. I stated I did not receive a notice that the card was closing - and ask why they closed it. The customer rep stated it was closed due to lack of activity. I asked again why I was not notified and was told that according to her records, I was notified in XX/XX/XXXX. 
I never received the notice - and how can they close an account without my knowledge? and before the card expired? 
The rep said she was sorry -- good thing I didn't try to use this card today - it would have been embarrassing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mountain West Financial, LLC
State: CA

Complaint narrative:
Around XX/XX/2020 applied for a home loan conventional financing and the Mountain West financial denied me and never gave me a conclusion explanation they cost me over {$1300.00} dollars in perdiem fees from the seller. I feel they should pay me back plus pain and suffering of another XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/2021 I was attempting to view my Trans union credit score on their own website. I went to transunion.com and clicked " view my credit score '' in the top right. I was then prompted to enter some personal information ( name, birth date, last four of social ) and credit card information. Proceeding forwards, they asked me to create a username and password before seeing my credit report. I then saw that they had charged me XXXX for a " credit protection service. '' I immediately cancelled this service, and investigated why I had been charged. 

When you click " view my credit score '' in the top right of the transunion homepage, they automatically add credit protection as a XXXX charge ( and do not let you remove this product during the process of creating an account ). This is incredibly misleading, since you did not ever ask for this product, nor is it clear that you will be charged, the banner saying that the product was selected is on the side of the screen similar to a banner add. Upon completing your account, you are charged for the product and never given a conformation you are being charged. 

Transunion has been fined by the CFPB in the past ( ironically ) for similar business practices.

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 2021-02-19 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PENNYMAC LOAN SERVICES, LLC.
State: MA

Complaint narrative:
PENNYMAC LOAN SERVICES , LLC SENT US VIA U.S MAIL A BILL/STATEMENT TRYING TO COLLECT AN ALLEDGE DEBT WITH A POSITIVE BALANCE ON IT. 

THE BILL/STATEMENT HAS SEVERALS VIOLATIONS. SOME OF THOSE VIOLATIONS ARE SHOWN ON THE EXHIBITS A, B AND C. THE VIOLATIONS FOUND WERE 15 USC 1692b. ( 5 ) ( PRESENTED TWICE ), 15 USC 1692b. ( 2 ), AND 15 USC 1692f. ( 8 ). ALL EXHIBITS I ATTACHED THEM HERE. 

AS A NATURAL PERSON I KNOW THAT I JUST ONLY MADE A CREDIT TRANSACTION WITH THIS COMPANY AND I KNOW THAT IAM THE ORIGINAL CREDITOR

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NV

Complaint narrative:
On XX/XX/XXXX, I transferred ( online ) {$16000.00} in crypto currency to

my account at Coinbase Exchange. By mistake, I sent a form of curre ncy that Coinbase does not handle.
Just the same, Coinbase accepted the deposit onto their deposit address.

The currency was not deposited to my account, and it was not returned back to me.

Coinbase now says it is gone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
An American Express credit card was taken out in my name. 71 % the the total value was used on a {$1000.00} limit credit card. 
The account was opened XX/XX/XXXX The account was closed XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 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: DC

Complaint narrative:
I have requested they provide proof that these items belong to me and no such proof was provided they are in multiple violations of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame. They have also failed to provide any proof of ownership for accounts circled in attached report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 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: Affirm Holdings, Inc
State: SC

Complaint narrative:
Account with Affirm INC was paid in full in XXXX prior to my regular payment to be made. My credit reports were not updated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Colony Brands, Inc.
State: OK

Complaint narrative:
Swiss Colony/XXXX XXXX state that they, Swiss Colony, report to the three credit bureaus. I have in my hand a copy of a XXXX credit file ; Swiss Colony nor XXXX XXXX accounts are reflected in the credit file. Swiss Colony previously stated to CFPB that they are reporting Swiss Colony/XXXX XXXX accounts to the credit bureaus. 
My Swiss Colony/XXXX XXXX accounts are not being reported to the three major credit bureaus. 
Accounts are in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Hello, thank you for looking a my complaint. Equifax and XXXX done had over 60days to respond to my UNAUTHORIZED hard inquiries on my profile. Ive send them two certified mail letters twice with no response. I just want them to remove the XXXX XXXX inquiry off my profile

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
Our business credit card was closed by Bank of America without notice and without a reason being given. Payments on the card were always made on time and we have solid financials. Several days later we received a letter stating that we didn't meet their " risk profile. '' We were later told by a CSR that it was because we didn't answer a " survey ''. We never received a " survey ''. Almost XXXX points were lost as a result. 

We have spent many hours on the phone with different people. We finally gave a telephone application to re-open it several weeks ago and were told the card would be issued in 7-10 days. That time passed long ago. We have tried several of their phone numbers and can not reach a person. We have held for as long as an hour with no one answering. This has become disruptive to our business operations, as we are a small business.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 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: FL

Complaint narrative:
The credit bureaus are reporting erroneous information that is ruining my credit, I demand that they remove all badly reported negative accounts on my credit, and I need them to send me proof of the investigations in place.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
i was charged {$87.00} for return check fee. I spoke to a rep at Navy federal about the 1st {$29.00} fee. it was return on XX/XX/XXXX and then the company charge {$29.00} again. The rep stated the she would credit the fee back and never did. Now I have 2 more fees because the bank does not want to take the money from my other bank account. But the computer takes money when i have a bill to pay that belong to the bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I disputed transactions against my account. After learning that my claim was denied, my account was frozen. After being on hold for over an hour, I am informed that my accounts are being terminated and all finances will be mailed to my address. My funds are no longer accessible ( who knows how long it will take to get by mail ). The termination was given with no notice. 

To make matters worse, I had scheduled a payment with the IRS for my federal taxes prior to this. The IRS can not cancel the payment and my bank is not letting my funds go out ( except in a check to myself ). I additionally have a mortgage to pay that I no longer can and I was receiving funds into this account from my employer via direct deposit. I currently can not get paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-19 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/XXXX and I never received any reply. I then sent a follow-up dispute on XX/XX/XXXX and XX/XX/XXXX. It is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Due to Covid19, we were offered deferment options on our Bank of America Loan. We have since learned that BOA is not our lender, but our servicer. We have been repeatedly told that we would be offered options ( a program ) to repay the deferred amount. I have been talking with BOA since XXXX of 2020 and have spoken to BOA 9 times about the situation. We are now in a position to stop the deferments and start back with repaying our mortgage. We submitted the asked for paperwork and have since received a letter stating that if they do not offer us a payment option they can foreclose on our home. NEVER WAS THIS TOLD TO US AT ANYTIME DURING OUR NINE PHONE CONVERSATIONS. Now BOA is telling me that it is up to XXXX to decide whether to offer us an option or not. This is absolutely NOT ACCEPTABLE. We have done everything the servicer asked and I feel as if they are frauds and not helpful at all. This has been an absolute nightmare with theis servicer and I will NEVER use BOA for anything again. STAY AWAY FROM BOA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
On XX/XX/XXXX a purchase was made for {$6000.00} for the merchant XXXX on my XXXX XXXX XXXX XXXX XXXX credit card. This merchant appears to be the university XXXX XXXX. I live in Texas and have never been to XXXX, this is clearly fraud. I contacted the company to report this by phone numerous times ( hard to recall how many, but it was at minimum 4 times ). Each time they told me they would investigate and call me back, but I don't recall getting any calls back. I ended up closing the account because I was afraid of more fraudulent transactions. I called again on XX/XX/XXXX to inquire into the investigation. This time they say that the transaction was made by my son, and that I am liable for the charge. This is also ridiculous, my son has never even been to XXXX. He also had no access to my card at the time, not to mention he would never do this in general.

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 2021-02-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
Toyota is in process in placing me in collection and repo my XXXX XXXX XXXX that I purchased on XXXX XXXX at XXXX, California XXXX Dealership. 
Toyota Finance Services knows very well that I am XXXX XXXX  and Retired and on a fixed XXXX Retirement Pension in which my XXXX Income is protected under Federal Government Laws. 
Document Courts of California State and Federal XXXX document was provide it to Toyota Financial Services via emails. 
I am unable to refinance my Auto loan with another financial institutions because my credit has derogatory remarks and credit scores are very low with XXXX  and XXXX, there is charged collections on my credit reports and Bankruptcy Chapter XXXX on my XXXX  and XXXX  credit report. 
I am not able to pay {$480.00} a month. I am able to start paying {$300.00} to {$350.00} on XX/XX/XXXX as my financial Hardship has been devastated my family and Finances during Covid19 Pandemic issues. 

Also on XXXX XXXX XXXX XXXX pulled my credit without my written Consent and Authorization for Extensions of Payment in which on XX/XX/XXXX, no pull credit was conducted and Extensions of payments was implemented without pulling my credit with XXXX, XXXX  and XXXX. 
XXXX XXXX has violated my Federal Privacy Act by seeking my private information and to destroy my credit. 
Why did XXXX  and other credit reporting agencies allow XXXX XXXX to pull my credit without authorization. 
XXXX XXXX used my written authorization of credit pull for XXXX with the old credit pulled on credit purchase of XXXX XXXX and sent it to XXXX , XXXX  and XXXX  so they can have access to my credit file for XXXX. 

XXXX XXXX is Retaliating and Discriminating against me because my Federal Government file complaints against them. 
They are also Discriminating and Retaliating against me because of my National Origin as XXXX American XXXX and XXXX Status in which this is a Violations of my XXXX XXXX Civil Rights Act under Department of Justice. 
I have alerted US Senator XXXX XXXX on issues of XXXX XXXX and will be sending a letter to President Joe Biden and US Vice President XXXX XXXX and Members of Senate and Congress on Retaliation and Discrimination and Retaliations against XXXX  Military Veterans in California and America.

Company response to consumer: Closed with explanation