vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-25 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: OK

Complaint narrative:
I took out a cash advance for {$17000.00} on XX/XX/XXXX. This transaction had a 4 % fee cash transaction fee of {$680.00} and came with a promotional rate of 0 % that had an expiration date of XX/XX/XXXX. I have been making payments towards this cash advance periodically and made the last three payments as follows : {$1900.00} on XX/XX/XXXX {$2000.00} on XX/XX/XXXX {$39.00} on XX/XX/XXXX I also took out a new cash advance for {$8000.00} on XX/XX/XXXX with a 0 % promotional rate that expires in nine months. 

From my XX/XX/XXXX statement, I see that my payments have not been applied correctly. I have been charged an interest of {$56.00} calculated at an exorbitant rate of 22.99 % on a balance of {$2800.00}. 

Again, in the XX/XX/XXXX statement, I have been charged an interest of {$160.00} calculated at an exorbitant rate of 22.99 % on a balance of {$8400.00}. 

I have asked the bank to review my account and refund me the {$56.00} plus {$160.00} in interest charges that are not legitimate. Also, I want the bank to confirm I will not be charged any interest on the {$8000.00} cash advance until the expiry of the promotional period. 

I have written a letter to the bank on XX/XX/XXXX and have not had a reply yet. 

I have sent them another complaint as detailed above.

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 2021-02-25 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: NJ

Complaint narrative:
I first informed the 3 major credit bureau that businesses has been adding hard inquiries to all of my reports. I hadnt attempted any credit or business from the particular companies in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
On XX/XX/2020 I received a letter resulting from a dispute with XXXX that shows 20 accounts of the company CAPITAL ONE, all those accounts were shown to be deleted but I never gave CAPITAL ONE authorization to open all those accounts without my consent. I have sent a letter to contact them for more than 10 days and they have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Norwich Commercial Group, Inc.
State: MA

Complaint narrative:
I was working with XXXX XXXX and XXXX back in XXXX for a mortgage and I did not give them permission but only once to pull my credit and they were pulling it 2 a month over the course of 3 months. They said my score was a XXXX. I never had any proof of this. I have in total, 6 inquiries from them that were not authorized. When I spoke to my mortgage broker, XXXX XXXX, he told me that it gets pulled automatically. That is not true. They have to have written permission and I only gave them permission once. I did give them permission to sign to remove disputes from my credit report but that was about all and the disputes are still on my report. They have 5 files on me which I have no idea why. They never sent me my credit report and XXXX told my husband that he paid the credit bureaus, {$600.00} to boost my score, which is a lie because I paid off all my debt on my own and that is illegal to do because I have a new broker who said that was illegal. I tried to settle this with them and they refused to take care of this. They said I gave them permission according to my emails which is a lie. They told me that since I had to have my father on as a co signer ( which I no longer have this mortgage ), this automatically gives them permission to go through my credit report. That is also not true. I need help getting all these inquiries off my report. ( I had started working with another mortgage company and my score is a lot higher ) XXXX Cr Inquiry from XX/XX/2020 XXXX Cr Inquiry from XX/XX/2020 XXXX Cr Inquiry from XX/XX/2020 XXXX Cr Inquiry from XX/XX/2020 XXXX XXXX XXXX XXXX from XX/XX/2020 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 2021-02-25 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: TD BANK US HOLDING COMPANY
State: DC

Complaint narrative:
Dear Madam/Sir, I currently have a mortgage and a HELOC with TD Bank. To benefit from the lower interest rates, I wanted to re-finance my mortgage and found a lower interest rate through XXXX XXXX XXXX in XXXX. With the new interest rate, our monthly payments will be approximately {$1000.00} per month lower. We locked in the new rate and completed our file, with everything good to go. XXXX XXXX XXXX got in touch on XX/XX/XXXX with TD Bank to secure the subordination of the HELOC. Since then, TD Bank has been unresponsive, except one email they sent on XX/XX/XXXX, asking that a check of {$220.00} be sent ( without specifying to what address the check is to be sent to ). Despite various reminders from me as the consumer and from XXXX XXXX XXXX, TD Bank has been completely silent - see attached copies of emails to this effect. As a result, we are at a risk of losing our lower interest rate. ON XX/XX/2021, we had to pay {$3000.00} to extend our rate-lock in ( and not to mention the {$1000.00} we are losing by not having the lower rate ), still while waiting for TD Bank to respond. When I call TD Bank and get managers on the phone, they consistently say the subordinations department does not have a phone number and the managers themselves can not reach them. I am at my wit 's end and can not believe that a financial institution like TD Bank is able to essentially hold us hostage. 

I am happy and ready to provide all details ( account numbers, copies of emails ... etc ). 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-25 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: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I first informed the 3 major credit bureau that businesses has been adding hard inquiries to all of my reports. I hadnt attempted any credit or business from the particular companies in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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: CA

Complaint narrative:
This credit reporting company aggressively downgrades an individuals credit while substantially delaying credit upgrades for the individuals. Many times Ive lost 50-70 points overnight on my credit yet even though I address the issues nothing happens. The credit reporting company uses this and other administrative tactics to manipulate the individual. By creating this false narrative the credit reporting company creates a need then immediately sells into the very problem they create.This credit reporting company quickly sells credit repair upgrade features, pushes selling long term complex credit reporting contracts etc., and high interest rate credit cards. The credit reporting company however delays or never addresses disputes. An Anti-Trust situation and class action issue. This credit reporting company never provides live customer service and refuses to acknowledge anything unless its brought to this level

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 2021-02-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY
State: MI

Complaint narrative:
I am writing to dispute a billing error for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$3600.00} ) on my TD account. I practice good faith and ethics when dealing with both TD Bank and XXXX XXXX as a consumer. I responded immediately to XXXX XXXX employees for their false reporting of incorrect numbers owed by me. I physically made several visits to the store and had intense phone conversations with the XXXX XXXX Employees. The service desk personnel and the Store Manager assured me that the corrections would be corrected. I disputed with TD Bank as soon as I saw the charges. TD Bank said the investigation would take 90 days. TD Bank sided with XXXX  XXXX. XXXX XXXX submitted false paperwork with a pasted signature. I purchase two pieces of furniture for a total of XXXX. XXXX submitted a second chair, which I never purchase forXXXX. This is fake, a fraud to extort monies not owed by me. XXXX XXXX was in business for 6 months and now declared bankruptcy. They has decided to to resolve the issue. There should be original paperwork that proves I only purchase one chair and one loveseat.TD just made the decision without showing me their findings. If they had I would told them the paperwork was faked.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-25 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: NY

Complaint narrative:
In XXXX I returned my leased vehicle to XXXX XXXX XXXX. I had the car inspected using their inspection company. When I got the final bill, the inspection amount was not accurate so my wear and tear insurance could not pay the claim. They notified me of this and I immediately notified XXXX XXXX and they said they would fix it and send me a new bill right away. I called almost every day for 2 months asking for the updated bill and was given the run around. Until FINALLY one day a rep sent me the updated bill via email. That same day the bill was paid by the insurance company. They noted on my credit report that my account was late 30 days. But it was late because of them!!! The amount they quoted and what the inspection company reported were 2 different amounts and they have to match in order for the claim to be paid. Not sure why they would not fix the bill and I had to call them 1000 times before it was done. They need to remove that late payment from my Trans union and XXXX account. I already spoke to a manager back in XX/XX/XXXX and he told me it would be removed from all 3 bureaus. It was only removed from XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
well when i tried to open up a claim for the fraudulant activities on y account there is no number to where you can tak to a live representive. there is only email communications which makes it very fustrating cause for one every corresponding email from them ends up being a new person and i just got the run around asking for the same information in every single email i literally end up with over a hundred emails back and forth with this company and in the end the gave me a partial credit but it was to the account that i dont have access to and that they refused to give me access to even though they agreed to a partial credit to that account tney claimed that they could not give me access to that account for security reasons so i am still going back and forth with this company about why they gave me a credit but to the account they know i dont have access to it makes no sense at all and this has been going on for over a mouth now its almost been two months now i have all the emails that i can included but it has account numbers and everything in them nut if i need to include them i can i just feel if i could speak to a live agents this whole process coud of gone a lot quicker and smoother and honestly my problem still isnt solved

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
XX/XX/XXXX when I was in Colorado on a business trip my debit card stopped working. I called in to Bank of America they told me that my accounts where closed. I went into a branch in CO. The branch manager suggested I could take my funds out of my checking while BOA was trying to get back to me on why they closed my accounts. However, I was not able to take my funds out of my savings, which had XXXX in it. BOA said they had to mail that check regular postal mail with no tracking number. This was ludriucris to myself and the branch manager given the amount. I have been calling several times to try and figure out why as of today XX/XX/2021 I still have not received my money in my savings. One lady told me when I called in it was sent to an old address and returned. However I made it abundantly clear what my new address is and clearly BOA has it considering they mailed me a lettering stating they closed my accounts. I received that on XX/XX/2021 but still NO CHECK! When I called again another lady stated it could take 90-120 days. When I asked when the check was cut she said XX/XX/2021! It is in cashier form with NO tracking number! That's just ridiculous. Another branch manger yesterday XX/XX/2021 could not understand why a branch was not able to just cut a cashiers check and put in my hand. I was hold once again it would have to be mailed US postal service not XX/XX/XXXX over night. I need my money please! I will be calling back today.

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 2021-02-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I contacted transunion regarding illegitimate inquiries that are appearing on my file due to their error. I spoke to a representative and rather him assisting me and listening to my concern regarding their error and placed inquiries on my credit report that was previously removed by a them. I want them removed immediately because 1. They didnt follow proper protocol when placing them back on my report. They didnt even try to assist. The inquiries are ridiculous because its no way possible for this is correct. 

1XXXX XXXX  XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX, XXXX, XXXX 3.XXXX XXXXXXXX XX/XX/XXXX 4.XXXX XXXX XX/XX/XXXX 5.XXXX XX/XX/XXXX 6.XXXX  XX/XX/XXXXXX/XX/XXXX 7.XXXX  XX/XX/XXXX XX/XX/XXXX 8. XXXX XXXX XX/XX/XXXX 9. XXXX XXXX XX/XX/XXXX 10.XX/XX/XXXX XX/XX/XXXX 11. XXXX XXXX XX/XX/XXXX 12. XXXX XXXX XX/XX/XXXX 13. XXXXXX/XX/XXXX XX/XX/XXXX 14.XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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: VA

Complaint narrative:
I reached out to XXXX XXXX and asked for them to remove the 5 late payment remarks on my credit report in 2019. The company stated yes and that I will see the update in 30 days. The processed the request. I called back to check on the status and the representative stated it was still being processed. I reached out again after waiting and the next representative said NO it will not be done. XXXX XXXX lied to me. I have been a card holder for almost 8 years. I had/have XXXX XXXX on my account which covers when my account gets behind and keeps me from going delinquent by paying my balance. I had XXXX XXXXXXXX  claim approved at the time because I was in a car accident XXXX XXXX stated they would perform a removal and then refuses to uphold 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 2021-02-25 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: IL

Complaint narrative:
On XX/XX/2020 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XXXX XXXX at XXXX a check from SBA was deposited into my account with Suntrust Bank in the amount of {$9000.00} Suntrust immediately closed the account and placed the funds on hold. I contacted Suntrust customer service on XX/XX/XXXX at XXXX, Suntrust said I needed to provide documentation proving the check was mine I told them to send the check back to SBA which they never did. On XX/XX/XXXX at XXXX I was contacted through email by SBA to apply for a targeted eidl advance which is then I found out the check was never returned. At XXXX on XXXX XXXX I contacted Suntrust bank about the funds they said I needed to walk in a branch to verify my identity. Since there is no Suntrust in illinois I drove 9 hours to Arkansas to a branch, once there I presented my driver 's license, business license, a letter that was emailed to me by SBA stating the funds was approved as well as showed what day and time the funds were deposited. The documents were submitted to Suntrust internal office they still will not release my funds as of today claiming I didn't provide enough documentation showing were the check came from

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 2021-02-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hello, I have tried to dispute these items on my report and have not been updated at all. I have mailed letters and tried to dispute them online with no help from the bureaus. Can you please make them look into the issue in my report. I have provide my ID, Social and light bill.

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 2021-02-25 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: IL

Complaint narrative:
Information on my credit is incorrect and due to the incorrect information my credit score dropped 149 points. The incorrect information is ; there was a Transition of mortgage companies, from XXXX XXXX, Loan number XXXX to XXXX XXXX XXXX, Loan number XXXX. This was never a late payment, just a Transition Account. Will nee to correct XXXX XX/XX/XXXX XXXX, not as Account closed but as a Account Transition and must not show a not current payment status. Balance was paid in full every month. Contact information XXXX XXXX XXXX XXXX. The Accuracy for this account is incorrect, it has incorrect information on my credit report. This effect my payment history/rating making it incorrect. The information in the Remarks field is incorrect. Also, There was an incorrect charge of {$3100.00} added to my XXXX XXXX account, account number XXXX. This incorrect charge also caused my credit score to drop 149 points. This charge should never have been on my credit report, however now that the company has removed the charge from my credit report, my credit score has not recovered to the original +149 points. Contact Information XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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: VA

Complaint narrative:
I reached out to XXXX XXXX and asked for them to remove the 5 late payment remarks on my credit report in 2019. The company stated yes and that I will see the update in 30 days. The processed the request. I called back to check on the status and the representative stated it was still being processed. I reached out again after waiting and the next representative said NO it will not be done. XXXX XXXX lied to me. I have been a card holder for almost 8 years. I had/have XXXX XXXXXXXX on my account which covers when my account gets behind and keeps me from going delinquent by paying my balance. I had XXXX XXXX claim approved at the time because I was in a car accident XXXX XXXX stated they would perform a removal and then refuses to uphold 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