vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I noticed in XXXX that there was 5 transactions that I've never authorized on my Bank of America checking account. There was 1 transaction each month since XXXX. The transactions appear to be paid for XXXX XXXX membership. The total amount of 5 transactions are {$77.00}. This is not my primary checking account and the amount is small. That's why I didn't notice these transaction until XXXX. 

As soon I noticed these authorized transactions, I called Bank of America to file a claim. Two months later, I received a secure message saying my claim is reject and they will reverse the temporary credit from my account. I called again asking why. They told me the believe these transaction are authorized by me because I reported very late and the amount is insignificant. So they rejected my claim based on their guesses, and they are basically calling me a liar. There was no use to talk more to them. I called XXXX afterwards, XXXX said if they can identify these transactions, they'd provide refund. But they need information to identify them. Yet, Bank of America refuse to give me the information needed and they refuse to work with XXXX from their end.

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 2022-09-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Theyre reporting a charged off credit card debt and have been calling any number they find that could be related to me. Most recently theyve called my work where I dont take those calls. 

The company that keeps calling is Portfolio Recovery Associates

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS

Complaint narrative:
I spoke with XXXX at Bank of America customer service and I was advised that my account was closed with no reason. This has put me at a financial strain because my direct deposit was just sent in by my employer. Again I had no knowledge that my account was closing and all the rep stated is they do not have to give me a reason why it was closed.

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 2022-09-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Guild Holdings Company
State: PA

Complaint narrative:
My husband and I got approved for a mortgage. The whole process was a disaster. The mortgage company got bought out without us knowing. The mortgage company was late on everything. The sellers got mad and put the house back on the market and because everything was delayed. At the end our mortgage got denied and the sellers refused to give out {$15000.00} deposit back. The realtor was no help told us to deal with it ourselves. We had to do mediation that did not go well. We had to get a lawyer and at the end lost half of our deposit. The whole process was a disaster. The mortgage company defiantly messed up with us and the realtor as well. Please help

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
My complaint is for non-disclosure. On XXXX XXXX, 2022 I noticed two unauthorized transactions on my Navy Federal XXXX card for XX/XX/2022. I called Navy Fed to dispute the transactions and they told me that the charges were from an authorized user. As the owner of the account, I froze the account with the authorized user months prior to the transaction date. Navy Federals policy is that authorized users can not make changes to the account and only the owner of the account can. My complaint is that as the owner, I froze the account and the right to any changes only belong to me and the authorized user should not be able to make the change to unfreeze the account. I immediately contacted Navy Fed to dispute these charges and asked for clarification regarding the policy and disclosure. Navy Federals Credit Card department Managers were not helpful and told me there's nothing that I can do. Again, I'm the owner of the account and Navy Federal should be more detailed in their disclosures regarding who can and can not make changes to the account. I'm filing a civil suit against the authorized user but I strongly feel that Navy Federal is just as responsible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Refer to Case number XXXX and the {$1000.00} charge from XXXX XXXX on my Bank of America account number ending in XXXX. On XX/XX/2022 Bank of America informed me that they reversed previously issued credit for this charge. The explanation they are stating is that " we're unable to dispute merchandise that was signed for or picked up in person. '' Furthermore, they state " without a credit slip, we're unable to assist you further. '' There are no contact details provided to contact Bank of America in writing to respond. In case CFPB is able to bring this message to someone at Bank of America who can assist, the supporting attachment your team provided has someone's signature that can not be recognized, " signed for by '' name that does not seem to match my name or the signature on the slip provided, and finally alleged delivery address to me and my home address. I have not received any goods from this merchant. I have not signed for any goods from this merchant. I have been unable to reach anyone at this merchant. I do not have any credit slips from this merchant. Regardless I am being charged for something I have not received. Please issue a credit of {$1000.00} to my account and finish this chargeback. 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 monetary relief
Consumer complaint received 2022-09-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
In XXXX of 2022, I contacted Mr. Cooper Home Loans which services my mortgage loan to see about having my PMI removed as home values have risen substantially within my neighborhood. At the time, they said I would need to do an appraisal or have substantial improvements. I chose not to act at that time. 

On XX/XX/XXXX of 2022, I contacted Mr. Cooper Home Loans as I got my tax bill which places my FMV at XXXX, which would mean an appraisal should come in at more than this and put me below an 80 % LTV and allow the removal of PMI. This time, they told me they would not even submit an appraisal without me proving that I had substantial improvements to my home. They could not give me a list of what this included other than things like adding square footage or replacing flooring. I have done improvements in the home but they could not tell me if they would qualify.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
Creditor violated the fair debt collection practice act ; by not allowing me to dispute this account or validating this account because I never received any notice of this debt.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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: IN

Complaint narrative:
We believe our daughter 's identity has been stolen. She is only XXXX XXXX XXXX but we received a check from the Auditor of State of Indiana for the payment due to excess budget reserves totaling {$320.00}. This tells us someone filed taxes under her name but since she is only XXXX  we can not use any of the credit monitoring services or put a freeze on her credit accounts due to her age. We are taking the appropriate steps to send all three credit bureaus the appropriate information but one step on XXXX told us to also file a complaint with the CFPB. Please let us know if there is anything you can to also help us in this matter.

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 2022-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX  # XXXX, has violated my rights. 

1

5 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-09-20 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: DE

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  DE XXXX DOB : XX/XX/XXXX SSN : XXXX After recently pulling my credit report from your Bureau XXXX I, in accompany with my attorney, instantly pointed out that I have been reported as 30 days late in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for my credit card ( account # : XXXX ). 

I also see that according to the reports I was late 30 days in XX/XX/XXXX and XX/XX/XXXX for my auto loan ( account # : XXXX ). 


In accordance with the Fair Credit Reporting Act ( FCRA ), Account ( s ) # : ( XXXX  ) AND ( XXXX  ), has violated my rights.

15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : States a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose!!! 

Haven't received a response from the Bureaus in over 14 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX DOB : XX/XX/XXXX SSN : XXXX After recently pulling my credit report from your Bureau XXXX I, in accompany with my attorney, instantly pointed out that I have been reported as 30 days late in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for my credit card ( account # : XXXX ). 

I also see that according to the reports I was late 30 days in XX/XX/XXXX and XX/XX/XXXX for my auto loan ( account # : XXXX ). 


In accordance with the Fair Credit Reporting Act ( FCRA ), Account ( s ) # : ( XXXX ) AND ( XXXX  ), has violated my rights.

15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : States a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose!!!

Haven't received a response from the Bureaus in over 14 days.

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 2022-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  Bank Account # XXXX, XXXX XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-09-20 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: GA

Complaint narrative:
I was just looking over my credit report and found some inaccuracies that I am demanding you correct. 
According to the Fair Credit Reporting Act, you are required by federal law to ensure that all details being reported on an account must be 100 % accurate and verifiable. If you are unable to fix these inaccuracies for any accounts listed, then per FCRA requirements please remove the inaccurate account entirely from my credit report. 
Here are the inaccuracies I have identified : Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Reason : The account is too old to be listed Instruction : The date of first delinquency is over 7 years ago ( furnisher is reporting incorrect DOFD ) and the date opened being reported ( XX/XX/XXXX ) is wrong. Please remove this account. 

Account Name : XXXX Account Number : XXXX Reason : The account is too old to be listed Instruction : The date of first delinquency is over 7 years ago ( furnisher is reporting incorrect DOFD ) and the date opened being reported ( XX/XX/XXXX ) is wrong. Please remove this account. 

Account Name : XXXX XXXX Account Number : XXXX Reason : The account is too old to be listed Instruction : The date of first delinquency is over 7 years ago ( furnisher is reporting incorrect Account Name : XXXX  Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX Account Number : XXXX Reason XXXX I don't recognize this account Account Name : XXXX Account Number : XXXX Reason : I don't recognize this account DOFD ) and the date opened being reported ( XX/XX/XXXX ) is wrong. 
Please remove this account. 

Please see the attachments for more added detailed information pertaining to this investigation. 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 2022-09-20 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: IA

Complaint narrative:
I've contacted XXXX  numerous times about showing late payments on my credit report when they are PAID IN FULL! I have loan documents showing all paid in full!!

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 2022-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MA

Complaint narrative:
Per the Cares Act, I requested Mohela to reinstate $ XXXX in Federal student loans to my account that was voluntarily paid in late 2020. Please assist. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Coinbase, Inc.
State: FL

Complaint narrative:
i rented a car in XX/XX/2022 and i had to pay a {$500.00} deposit and i used my coinbase card, when i returned the rental car the {$500.00} deposit was to be refunded but I do not see the {$500.00} balance was credited back to my account, it seems as though the {$500.00} just disappeared. I called coinbase support and was told to create a ticket i created a ticket and the ticket was ignored even after sending a follow up i did not receive any response back. completely unacceptable

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
I've contacted XXXX  numerous times about showing late payments on my credit report when they are PAID IN FULL! I have loan documents showing all paid in full!!

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 2022-09-20 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: Affirm Holdings, Inc
State: IA

Complaint narrative:
I've contacted Affirm numerous times about showing late payments on my credit report when they are PAID IN FULL! I have loan documents showing all paid in full!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MN

Complaint narrative:
On XX/XX/XXXX, I received notice that my mortgage had once again been transferred to a new mortgage servicer : Fifth Third Bank ( the Bank ) Mortgage Loan Servicing XXXX XXXX XXXX XXXX, OH XXXX On XX/XX/XXXX, I received a letter stating my pin for a " XXXX XXXX XXXX XXXX had been changed. I contacted the Bank at XXXX and proceeded to wait 20 minutes before I was able to speak with someone. After I spoke with one agent, she stated not to worry, that the bank was a " card based, '' bank, whatever that means, and that I had to have a card with the Bank in order to do business with them. This conduct is eerily similar to XXXX XXXX opening accounts without permission. ( See link ) XXXX XXXX XXXX # : ~ : XXXX % XXXX  % XXXX % XXXX, XXXX % XXXX % XXXX % XXXX % XXXX % 20 % 243 % XXXX % XXXX % XXXX % XXXX, of % XXXX % XXXX % XXXX % XXXX I did not open a " XXXX XXXX. '' When I asked to close the account, I was told that I could not. I asked for a statement from the company negating their XX/XX/XXXX letter telling me to call in if I did not request a pin. I was told that the company can not provide a written letter. The company has committed fraud in two ways : first, opening a " XXXX XXXX, '' without my permission. 

Second, claiming a " XXXX XXXX, '' is the same thing as a " Virtual Card. '' My correspondence discussed a " XXXX XXXX, '' and made no reference to a virtual card. This letter has caused me severe emotional distress because I was not allowed to cancel this card despite requesting more than once.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is not suppose to be on my credit report. 


Ive hired several agencies and this shall be removed. 


XXXX XXXX -- - XXXX XX/XX/2019 Seems like this occurred pre covid.

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 2022-09-20 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: FL

Complaint narrative:
This is not suppose to be on my credit report. 


Ive hired several agencies and this shall be removed. 


XXXX XXXX -- - XXXX XX/XX/2019 Seems like this occurred pre covid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is not suppose to be on my credit report. 


Ive hired several agencies and this shall be removed. 


XXXX XXXX -- - XXXX XX/XX/2019 Seems like this occurred pre covid.

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