vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Based on Experia suggesting ways to boost my credit score, they matched me with credit cards I could apply for, that would accept me. I tried 2 of those and it resulted in an instant decrease in my credit score since they both denied me. I have tried calling and the number is automated with no option for dispute resolution, and can not get through to a live human agent. There is no other dispute option except by ground mail, which isn't a viable option at this time.

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 2019-11-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Failure to process home loan application in a timely manner. Informed us 2 days before intended closing date that there was a potential issue with the condo building that requires additional review. Misinformation about this further review process and timeline. 

XX/XX/XXXX : Home loan pre-approved, Mortgage rate locked and we begin to provide application documentation XX/XX/XXXX: All parties agree to move the closing date from the initial date in early XX/XX/XXXX to XX/XX/XXXX. 
XX/XX/XXXX : We receive our Closing Disclosure from Bank of America for review XX/XX/XXXX : The week of the closing. Our processor ceases to respond to multiple email and phone inquiries regarding scheduling the closing. 
XX/XX/XXXX : We contact the processor 's manager due to the processor 's silent. We do not hear from the manager either, and only receive contact from only after escalating to our loan office. Processor informs us that there is an issue with the insurance policies and appraisal review that would take another day, pushing closing to XX/XX/XXXX. 
XX/XX/XXXX : Our broker informs us that the seller has been told by his attorney that there is an issue with our loan approval. We message our bank contacts and 5 hours later loan officer calls to say to tell me we did not pass final review at Level 1 and she would have to send up the next level, and further would review would take several days. At no time did Bank of America representatives reach out to us - instead we learned third hand, and when we contacted BoA we had to wait 5 hours for an answer. 
XX/XX/XXXX : We are told by our loan officer, who says she has spoken to whomever is now responsible for review - that the process will take 48-72 hours. 
XX/XX/XXXX : After the 72 hours have expired, we are told it will be another 24-48 hours. 
XX/XX/XXXX : We are told that there will be an additional 1 or 2 business days. 
XX/XX/XXXX : We learn that Bank of America is requesting further documentation from the building for review. We were not given the list of items requested, and seller 's attorney was not aware of this request. Loan officer advised she would get the list to us by XXXX the next morning. 
XX/XX/XXXX : XXXX and we have finally received the documentation list, after calling Loan officer 3 times since the prior afternoon to request it. We are now 7 business days past our intended closing date and this brand new request for documentation will delay us further, with no promises of turnaround time for review.

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 2019-11-26 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: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I have working with a credit repair company to remove a XXXX  XXXX charge, and care 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 2019-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
Customer support Ticket ID # XXXX TD Bank is refusing to close an account with {$0.00} in it. 

I have asked customer support to do this multiple times and they will not, despite it being marked clearly on their website that you can close a {$0.00} account : https : //tdbank.intelliresponse.com/? & requestType=NormalRequest & source=4 & id=1413 & question=How % 20do % 20I % 20close % 20my % 20account ( s )? 

Not closing the account will result in fees assessed by the bank, so closing it immediately is important.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
On XX/XX/2019 my checking account with Navy Federal was compromised and an ACH transfer in the amount of {$2500.00} was completed without my knowledge or authorization. As soon as i was aware of this i reported this to my bank and created a claim which was submitted on XX/XX/2019. I was informed that within 10 business days i would be contacted by an investigator who is working on the case. It has since been 13 business days and i have not been contacted by anyone from the organization. After following multiple times and again today XX/XX/2019 i was told that they are just backed up and no one will be able to give me any updates or a time frame of when my case will be completed. They've acknowledge that it is past the time that an update should've been provided but can't give me one. I was told that i will not hear from anyone until this is completely resolved, i still have bills and financial obligations and not knowing when to expect this to be resolved is causing lot of grief and stress to my family. I need to have an update or to be sure that the case is being worked. The funds were transferred to a XXXX XXXX account and they have the information. I don't know what else they are waiting for. I'm unable to speak to manager when i request one so this is my next step to ensure that something is being done to resolve this. I'm not having a XX/XX/XXXX this year but hopefully this can be resolved soon so my family can at least have a XX/XX/XXXX and avoid eviction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 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: EQUIFAX, INC.
State: NC

Complaint narrative:
The company is XXXX XXXX Furnishings. Their website states you can get prequalified without impact to your credit. I submitted a prequalification since it does not submit a hard inquiry or impact my credit. The company pulled my credit anyways causing a hard inquiry to show up and in fact lowered my credit score. I did not consent or give permission for a hard inquiry. Their website is misleading and intentionally lies to consumers that they do not impact their credit for a prequalified application. I have submitted several disputes to equifax and had submitted a complaint to the FTC without receiving any resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
During TD Bank 's botched system upgrade which made the news : XXXX : XXXX I was unable to access any of my accounts for 3 months due to technical problems that had to be fixed by TD Bank 's IT department. This was resolved in a phone call. 

This is fine because I had automatic payments set up to always pay $ XXXX/month. 

But as you can see, the payments were not being applied to statements and late fees were assessed before 30 days after the last payment. This issue was fixed later. 

I spoke to customer support multiple times about this and they refused to provide any assistance despite this being their fault completely.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-26 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: FL

Complaint narrative:
Dear Sir or Madam. 

A recent review of my credit report turned up information that is inaccurate. Please refer to the attached report, where I have circled the item ( s ). Please remove the below addressed and employment history from my credit report. 

Addresses : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX AV XXXX, FL XXXX Employment : XXXX XXXX XXXX XXXX XXXX Please investigate these matters and delete the disputed items as soon as possible. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Ria Envia, LLC
State: WA

Complaint narrative:
On XX/XX/2019, I went to my local Walmart to pick-up a money-wire of {$750.00}. The counter person confirmed the funds was ordered by sender, however, the store police was restricted to {$500.00}. Their advertising indicated that at the appropriate fee, which I assumed the sender paid, was funds available at any WALMART store. No restrictions in their advertisement or anything. " Money available at any WALMART store in the US & Puerto Rico. Thats what it said.The CFM and/or Field Manager, a XXXX, agree thats what their advertisment says, but they do not have to honor it. He wanted to escort me out the store.I called their money-wire servicing company and they said due to " forgery '' claims at the zipcode location, they were restricted to {$500.00}. He mentiond I could get {$500.00} that day and {$250.00} the next, but the store manager said they can not. Thats hard to believe because another store offered it. So now I learned that I stay in a high-crime forgery area.Also, XXXX advised their policy is not to disclose where you can get your money, I have to call around to see who is unrestricted. The second store I called was restricted as well, but I eventually found one within 3 miles. Living in a metropolitan area where traffic is fercious, 3 miles is like driving 20.I get to that store, all is fine, except a stupid question by the clerk was that if I knew the name of the sender and if I know the sender personally. I had heard enough to know this is very bad on all fronts.In closing, I needed the money and it took a long-time for the sender to send me those funds. Calling the sender back and having to redo it in portions was not an option, especially when the sender paid the fee.I was humilated by their policy, trashing my community, when their written fee service in plain english that said any store for pick up is clearly indicated. I'm glad that it was not a life & death situation, but I can see this happening and things can go real bad pretty quickly.Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 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: NJ

Complaint narrative:
There is an account that is being reported on my credit score. The account does not belong to me. The XXXX XXXX XXXX confirmed that they do not have any account on my name or with my SSN. Transunion and XXXX  keep reporting it on my credit without following the FCRA law that requires them to have a copy of the original documentation that proves this account belongs to me and have failed to provide validation or accurate verification with 30 days after my disputes were submitted.

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 2019-11-26 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: CA

Complaint narrative:
To Whom it may concern i did authorize any of the companies listed to run my credit i do not know of any of these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I was offered part time XXXX XXXX XXXX at XXXX XXXX. This offer came from XXXX. I send my resume and they offered me job and in that offer letter, it was clearly written that they will send me cashier check and I have to purchase equipment to perform this job. I XXXX company and recruiter too. everything looked ok. then I received cashier check of {$2900.00}, I waited when bank said fund available then only I transferred money to buyer who was supposed to send me equipment 's. Once I transferred later like 2-3 hours, bank took that cashier check amount and I call bank stating that and I asked them to stop money. this was done via XXXX of Bank of America. They saw money was going to XXXX XXXX. but they could not do anything stating that let the transaction be completed then call then. I asked that rep at least file my complain, and he did same day. I called XXXX XXXX too they said they could not do anything until they received complain from BOA. 
I keep calling BOA to get update they keep saying their standard processing time for complain like this is 10 days. they send me letter stating that BOA is not responsible for the transfer and they are not liable for any part of money I lost because it not their problem.

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 2019-11-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: KS

Complaint narrative:
I have received repeated e-mails from " TrueAccord '' about a debt I do not owe. I contacted True Accord on XX/XX/19 and spoke with a " XXXX '' and advised her I had credit protection on this credit card and that I had been hospitalized in XXXX and have been receiving care since then as I am XXXX   XXXX. Due to this, my credit protection should pay this off in its entirety because I became XXXX XXXX for a date that the originally approved a claim on. 
XXXX was completely rude, continued to badger me. 
A copy of the call is attached. 
This companies stance seems to be that they have no requirement under XXXX to initiate a dispute and so their purpose is literally for no other reason than to harass people and effectively extort them to pay something they should not be liable for!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 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: UT

Complaint narrative:
XXXX  & Experian are still reporting inaccurate information by XXXX XXXXXXXX XXXX. They are reporting a balance and updating monthly on an account that has been paid some time ago. I have disputed it with the bureaus and they claim it is valid even though XXXX  XXXX XXXX says it is XXXX and they are not the ones reporting wrong. They claim it is the bureaus who need to remove it.

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 2019-11-26 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: WI

Complaint narrative:
Capital One continues to reopen an old account that had a balance on it, it has been taken over time and time again by every debt collector there is but none would correct errors and a majority of the records do not even exist anymore making it impossible to recreate and/or prove or disprove anything on the account, but because it is over the reporting time on the credit report Capital One will reopen it with a balance to make it look like it is still active, many times for a month, then report that a payment was due and it has an active balance, I have asked on many occasions to have it removed and then it will show active again, both Capital One and XXXX  are guilty of not removing this according to the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I purchase a item with my P.C Richard 's card. I stop using the card but kept paying my bill. When I decided to use my card again it was closed. The manager at P.C Richards explained if the card having been used in a certain amount of time it automatically closes. So he explained that I had to reopen my account and apply again. Which I did and was approved on XX/XX/2019 and my new bill will start on XX/XX/2019. After I purchased my new item I asked the manager about my bill on my old account. He told me that the bill from my old account will be transfer to my new account and my old card was no longer any good and continue paying my bill from the new account which I did. Recently two weekends ago I had received a email stating that I have not paid my bill since XX/XX/2019. I checked my account and it stated that I had no unpaid bill. I couldn't understand why they was saying to me I owed XXXX dollars. After asking multiple questions I figured out they was charging me for two separate accounts. It comes to find out P.C Richards never transfer the old account to the new account. I explained that I didn't know that all along I was still being charged from my old account separately. And that's the only reason why it's late. They are charging me for two separate accounts. I explain I don't have no problem straightening out my old bill but I shouldn't have to pay late fees for something that wasn't my fault. They insist I still had to pay the XXXX dollars even after they acknowledged they mistake that was made. And what bother me must is that it was sent to debt collection agency. Now my credit is tarnished for no reason at all cause I was paying my bill on time and was and still is in good standards with P.C Richards.

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 2019-11-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
XXXX  & XXXX  are still reporting inaccurate information by Bank of America. They are reporting a balance and updating monthly on an account that has been paid some time ago. I have disputed it with the bureaus and they claim it is valid even though Bank of America says it is XXXX and they are not the ones reporting wrong. They claim it is the bureaus who need to remove it.

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 2019-11-26 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: UT

Complaint narrative:
Equifax & XXXX are still reporting inaccurate information by XXXX XXXX XXXX. They are reporting a balance and updating monthly on an account that has been paid some time ago. I have disputed it with the bureaus and they claim it is valid even though XXXX XXXX XXXX says it is XXXX and they are not the ones reporting wrong. They claim it is the bureaus who need to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ATG Credit, LLC
State: CO

Complaint narrative:
I have disputed the debt with ATG credit several times and requested from the company directly and the credit bureaus an original contract containing my signature. Neither ATG credit nor the credit bureaus have provided this. They are attempting to collect on an invalid debt and damaging my credit in the process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: The Receivable Management Services LLC
State: CA

Complaint narrative:
XX/XX/2019 I received a phone call at my work phone from XXXX at RMS ( XXXX ) XXXX-XXXX. 
I asked him to send a document to my home address being I never received anything from them USPA mail. He told me he can call my work phone anytime he wants to and it is legal to do so. I asked him him to NOT call the work number again.

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