vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-15 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
On XXXX I made a online purchase from Zales outlet online for two ear rings, it was set for delivery on XXXX and it never came. I called Zales and also Comenity- Zales the credit provider to inform that I never received the items. Zales online services stated that they would provide a credit for the items I didnt receive. They only issued a credit for one of the items, i called Zales again to check the status of My order and was giving a tracking # XXXX to monitor the refund for my order. I have a bill with comenity bank thats pass as of XXXX and Zales hasnt corrected the problem.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Certegy Holdings, LLC
State: FL

Complaint narrative:
My Name is XXXX XXXX, i use check cashing weekly at XXXX located at XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In XXXX XXXX XXXX XXXX. Today i was declined a check cashing for no specific reason. This company Certegy has no customer service lines and no means to dispute. This has caused me to go other check cashing areas and wasting time away from work simply to cash a check. The number they provide to supposedly find out why gives you a list of reasons but not exactly why my check was declined. This is super frustrating being that I'm not rich and live paycheck to pay check. Companies like this need to be removed from check cashing world cause they don't provide any assistance but have every bit of power to not allow companies that have to deal with the customer face to face to cash check based off of " hmm today I'll decline you ''.

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 2021-01-15 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I called and filed a dispute on numerous occasions with XXXX, Equifax and XXXX to have inquiries that I did not approved removed, and accounts that are reporting inaccurate on my credit profile and they have refused to delete these items. 

XXXX Last dispute was done on XX/XX/2020, amount is said to be {$420.00} dollars, the actions taken was a dispute letter was sent to the Bureaus stating that the date of Last activity, last report, and date opened was all reporting inaccurate which is a violation of the Fair Credit Reporting Act. They failed to investigate and remove the inaccuracies. 

XXXX XXXX- Last dispute was done on XX/XX/2020, amount is said to be {$1200.00} dollars, the actions taken was a dispute letter was sent to the Bureaus stating that the date of last activity, last payment, and the date of the date opened is listed inaccurately, Also the monthly payment, credit limit, and terms are missing from the report. I ask them to delete it as they are reporting inaccurate information and they failed to do so. 

XXXX XXXX XXXX Last dispute was done on XX/XX/2020, amount is said to be {$840.00} dollars, he actions taken was a dispute letter was sent to the Bureaus stating that the monthly payment, terms, credit limit, past due, and the date of last payment was all missing on this account. Also, the fact that medical bills should not be reporting as it is viloation of my privacy. I have disputed this account multiple times and they have failed to remove it from my report. 

Inquires that need to be removed as I did not give any permission. 

EqifaxXXXX XXXX XXXXl ( XX/XX/2020 ) and XXXX XXXX XXXX XXXX ( XX/XX/2020 ) XXXX XXXX XXXX ( XX/XX/2020 ) and XXXX XXXX XXXX XXXX ( XX/XX/2020 ), XXXX XXXX XX/XX/2020 XXXX, XXXX XXXX XX/XX/2020 XXXX XXXX XXXX ( XX/XX/2020 ) XXXX XXXX XXXX XXXX XXXX XXXX ( XXXXXX/XX/2020 and XX/XX/2020 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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: CA

Complaint narrative:
I called and filed a dispute on numerous occasions with XXXX, XXXX and Experian to have inquiries that I did not approved removed, and accounts that are reporting inaccurate on my credit profile and they have refused to delete these items. 

XXXX- Last dispute was done on XX/XX/2020, amount is said to be {$420.00} dollars, the actions taken was a dispute letter was sent to the Bureaus stating that the date of Last activity, last report, and date opened was all reporting inaccurate which is a violation of the Fair Credit Reporting Act. They failed to investigate and remove the inaccuracies. 

XXXX XXXX- Last dispute was done on XX/XX/2020, amount is said to be {$1200.00} dollars, the actions taken was a dispute letter was sent to the Bureaus stating that the date of last activity, last payment, and the date of the date opened is listed inaccurately, Also the monthly payment, credit limit, and terms are missing from the report. I ask them to delete it as they are reporting inaccurate information and they failed to do so. 

XXXX XXXX XXXX- Last dispute was done on XX/XX/2020, amount is said to be {$840.00} dollars, he actions taken was a dispute letter was sent to the Bureaus stating that the monthly payment, terms, credit limit, past due, and the date of last payment was all missing on this account. Also, the fact that medical bills should not be reporting as it is viloation of my privacy. I have disputed this account multiple times and they have failed to remove it from my report. 

Inquires that need to be removed as I did not give any permission. 

XXXX XXXX XXXXl ( XX/XX/2020 ) and XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX ( XX/XX/2020 ) and XXXX XXXX XXXX  XXXX ( XX/XX/2020 ), XXXX ( XX/XX/2020 ), XXXX ( XX/XX/2020 ) and XXXXl ( XX/XX/2020 ) Experian- US SM BUS ADMIN ODA- ( XX/XX/2020 and XX/XX/2020 )

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 2021-01-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I cashed a girls checks and her boss put stop payment so chase bank but the had her bank returned the money. In mean time I moved to XXXX from XXXX XXXX to XXXX and opened a account here in XXXX XXXX. I then found out these 2 checks was send to me. I called chase bank and ask them if I can deposit the checks 1 for {$210.00} and 1 for {$55.00}.

They told me yesterday do I have the app to chase I said yes she then said yes there your checks deposit them. So I did. Weeks later they where returned to my account as no good and charged my account another {$12.00} x 2 on both checks.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-15 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: TN

Complaint narrative:
I HAVE ASK TO HAVE THESE ACCOUNTS REMOVE BECAUSE I NEVER APPLIED FOR THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have a lot of issues with my credit report, there are late payments and negative accounts that are not mine and inquiries that I did not authorize and accounts that are not mine. 
I am including a letter to explain about these items

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 2021-01-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Since XX/XX/XXXX, Ive set my payments to Bank of America to pay {$150.00}, twice a month, one of the default autopay options from their website. I left it to autopilot for over a year now, and recently checked my account. I see now that Ive been charged a {$39.00} late fee every month since at least XX/XX/XXXX and likely before, despite paying every month on time and well over my minimum. 

I called BofA, and according to them, this is because payment was due on the XXXX. But Ive been paying them using their default bi-monthly autopay on the XXXX and the XXXX, and had they chosen to credit the payment on the XXXX to the following month ( for instance, a payment on XX/XX/XXXX going to my XXXX bill ), and the XXXX to the current month ( XXXX in this example ), then I would not have been charged somewhere around {$660.00} in late fees. 

They appear to have chosen to allocate the payment to the prior month in order to maximize their collection of late fees. 

I have attached every bank statement going back to XX/XX/XXXX, and can request back statements going back further if needed.

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 2021-01-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I was trying to refinancing my home since 1 year ago because the interest is too high % 5.75 is killing me, The refinance institutions have been rejecting me and I did not know why. I recently learned that it was because my lender, Specialized loan Services is reporting my payments incorrectly and irresponsibly. This has been costing me thousands of dollars because the interest is extremely high and outrageous.

My main concerns also include that my loan was sold to, apparently 2 different banks without my knowledge, and somehow my payments were lost in the process. I have no track record of almost {$60000.00} of payments that I have made. According to specialized services, they can not report new accounts for 90 days. If this is true, I understand but at some point that money has to go somewhere. They are saying that they have no record of this, but I have proof of payments. 

I also recently learned today, XX/XX/XXXX that my loan was sold to a company named XXXX in XXXX. I had absolutely no knowledge of this. I feel that they are taking advantage of the situation and it is affecting me in the sense that I can not refinance. I keep getting rejected, and it seems that this is the reason. 

Because of them, I have been spending thousands of dollars on pure interest because of incorrect reporting. This is not fair to me in any way, especially during and economic crisis. I need this resolved now and I need to know where all of money has been applied to. If they can not show me this in detail, I need my money back because that would be theft. 

thank you.

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 2021-01-15 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: EQUIFAX, INC.
State: OH

Complaint narrative:
Credit report data correction / accuracy issue A few years back we were notified of a collection account by a collection agency, that was the first time we were made aware of the item. The amount was meagerly small ( less than {$80.00} ), the agency acknowledged that due to communications issues if we paid in full at the time, the item would NEVER even show up on credit reports, we agreed and paid.

Fast forward a few years, while in the process of buying our first home suddenly this item showed up on credit reports from 2 agencies, XXXX  and Equifax. I made some calls with the collection Agency ( XXXX : XXXX XXXX XXXX- aka, XXXX XXXX XXXX ) and created disputes with both the credit reporting agencies. XXXX, deleted the item right away but Equifax would not resolve it and I had many back and forth between Equifax and XXXX. Equifax insisted that XXXX inform them of deleting the item from the report. XXXX told me multiple times on my calls that they are ok with deleting. Finally I got a written letter from XXXX, confirming the same. However, Equifax still insists that they need XXXX to tell them to delete the line item. Going by what XXXX has told me ( verbally and in writing ), they have informed Equifax. 

I created another dispute with Equifax, this time provided the letter from XXXX, had a few phone calls with Equifax. Instead of being helpful the Reps disregarded any of my concern, being rude and insisted, XXXX inform them of the deletion. I am stuck between the two companies, for several months now. These companies wield extreme influence over people 's financial life, advancement/opportunities ( or lack thereof ) and it is never easy to deal with them. You can not live with them, nor can you live without them. 

Customer 's personal data is Equifax 's bread and butter and I was amazed at the way they handle the data, customer service and the accuracy of customers data. Did I mention how bad their customer service was? 

All I want is Equifax to correct my data and delete the collection inquiry as per direction from the collection agency. 

Please see attached, letter from XXXX. 

Thank you and I appreciate your help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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: NJ

Complaint narrative:
I had a XXXX XXXX  credit card account XXXX that was opened on XX/XX/2017. I missed payments and it went into delinquency, and XXXX sold this account to a collection agency by the name of XXXX XXXX. I was sued by this collection agency, although I was able to settle the debt with XXXX XXXX, in exchange for removing any bad marks from all of the credit reporting bureaus and also stopped them from taking me to court. I am no longer having anything to do with XXXX, but yet XXXX is still on my credit report, marking my current status as a derogatory account. This is affecting my credit score. I need XXXX to delete the account off from all of the credit bureaus immediately. Thank you.

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 2021-01-15 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I had a XXXX XXXX credit card account XXXX that was opened on XX/XX/2017. I missed payments and it went into delinquency, and XXXX sold this account to a collection agency by the name of XXXX XXXX. I was sued by this collection agency, although I was able to settle the debt with XXXX XXXX, in exchange for removing any bad marks from all of the credit reporting bureaus and also stopped them from taking me to court. I am no longer having anything to do with XXXX, but yet XXXX is still on my credit report, marking my current status as a derogatory account. This is affecting my credit score. I need XXXX to delete the account off from all of the credit bureaus immediately. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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: NJ

Complaint narrative:
I had a XXXX XXXX  credit card account XXXX that was opened on XX/XX/2017. I missed payments and it went into delinquency, and XXXX sold this account to a collection agency by the name of XXXX XXXX. I was sued by this collection agency, although I was able to settle the debt with XXXX XXXX, in exchange for removing any bad marks from all of the credit reporting bureaus and also stopped them from taking me to court. I am no longer having anything to do with XXXX, but yet XXXX is still on my credit report, marking my current status as a derogatory account. This is affecting my credit score. I need XXXX to delete the account off from all of the credit bureaus immediately. Thank you.

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 2021-01-15 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: FL

Complaint narrative:
I have provided Equifax and XXXX  with inaccuracies that they are reporting on my credit report. I have sent screenshots of the updated report from XXXX  to XXXX  and Equifax so that they can follow accordingly. XXXX and Equifax have not updated my credit report. They are ignoring my notices and I have resulted to complain on both XXXX  and Equifax as a result. I'm informing them that the inaccuracies that they are reporting are not the same and need to be removed from my credit report. I am providing screenshots of my XXXX  report to show that XXXX  and Equifax need to remove the inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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: AL

Complaint narrative:
I Have been a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

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 2021-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
This is about a Capital One 360 Checking Account, This bank will not release Cleared Fund Deposited, and Has Not Allowed my Stimulus Money to be Received in addition to not releasing funds already in the account. I have called over the last two months, and have literally been lied to about the status of my account, and their promise to remedy the matter. The phone records, and recorded calls will bear out my allegations. The Bank is holding money that I need to pay my bills, and additionally causing my 2021 Stimulus money to not be deposited into the account, as other deposits have been accepted. I need immediate action, as this bank has put me in financial peril, and has been fraudulent in their activities ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Open both checking and savings account with BOFA. 
I was informed that I needed to have minimum balance of {$1500.00} to avoid fees. 

I did maintain a combined balance of {$1500.00} or more to avoid fees w/o realizing that the {$1500.00} minimum balance applies to one account ( Checking only ) I called BOFA asking for refund of all fees that were charged ( 5 X {$12.00} = {$60.00} ) and have put at least {$1500.00} on checking only but was only refunded ( 3 months x {$12.00} = {$36.00} ) of fees. 

It has been a nightmare to speak with someone from BOFA over the phone since I can't go to the branch due to COVID and BOFA app/website DOES NOT HAVE ANY MESSAGING FEATURE to communicate via secured message to discuss checking fees other than having to call in.

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