vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-17 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Unfortinately due to divorce jobless homeless but now back on feet. i became behind on loan with bank of american for {$35000.00} which i have had since XXXX. 15 years and nowhere near able to pay off a predatory loan. So during the time i was getting back on my feet i was notified that my loan had been transfered to collections to XXXX XXXX XXXX. i started contacting them. The big problem has been a continuious issue with credit reporting between BOA and XXXX  due to they are linked companies. I have kept a good payment record with XXXX but the problem was BOA would be reporting wrong if i disputed my credit accounts XXXX-present. BOA is a closed account but when it was disputed all the sudden the account had a {$35000.00} balance on a closed account. this was dropping my credit score down to 500 's  .After several months of fighting between BOA and credit bureaus i got that issue fixed. for the moment! 
Now to my big issue. BOA is reporting late payments to date on their closed account with me. This was transfered to XXXX inXX/XX/XXXX how is this possible?? XXXX credit report shows on time payments. i have fought this abt from beginning of XXXX i was calling back and forth between BOA and credit bureau 's and three way. no progress in fixing situation. Even with faxed letter from BOA with filed dispute and BOA own investigation with XXXX investigation without change! six months of dropping credit scores. This kept me from refinacing several times last time with XXXX XXXX. i find keeping credit scores down is purposefully done to keep the preditory loan inplace to make nothing but interest and loan that can never be paid off.

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 2019-07-17 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: William D. Meeker Enterprises, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I was looking for financing company for home improvement and stumble on XXXX. On their website it states the following below : Also, here 's the link : XXXX XXXX XXXX   & XXXX & XXXX & XXXX & XXXX Three steps is all it takes. 
1 Check Your Eligibility Youll receive your preliminary eligibility results in less than 60 seconds. Checking eligibility wont affect your credit score. 

2 Submit Your Application Get approved in minutes. Youll receive all costs and financing terms in an easy-to-read statement before your project begins. 

3 Choose a Contractor Use our website to search for local contractors based on rating and reviews, specialization and more. 


So I went ahead to check to see if I'm eligible, after completing the steps a hard credit inquiries was pulled from my credit. I called XXXX XXXX on XX/XX/XXXX to dispute the inquiry and that the fine prints was misleading to consumer " Checking eligibility wont affect your credit score. '' I told the representative that hard inquiries does affect the credit score but after she talk to someone she refused to help and gave me excused that I should have read all fine prints. They said they can't do anything about it and can't remove the hard inquiries. 

I called XXXX after I spoke to XXXX XXXX and XXXX representative told me that he can't remove the hard inquiry until XXXX XXXX told them to remove the it. He also added they do have the authority and ability to help me and remove the hard inquiry. After I told them they refused to help me - he suggested to go file a complain at www.cfpb.gov and request to have CIC credit to remove the hard inquiry from XXXX XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XX/XX/2019 Equifax and XXXX dropped my credit score by XXXX points when I am consistently paying my debt down. I dont feel they have a right to do that because thats destroying me. XXXX to XXXX thats not right!!!! Restore my credit score to what it is or higher. I paid {$1800.00} dollars in the last 30 days to reduce my overall amount of used credit. This is not fair, stop destroying my credit. My mortgage company changed from XXXX to XXXX and is reporting my loan as a new modification, this is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
XX/XX/2019 XXXX and XXXX dropped my credit score by XXXX points when I am consistently paying my debt down. I dont feel they have a right to do that because thats destroying me. XXXX to XXXX thats not right!!!! Restore my credit score to what it is or higher. I paid {$1800.00} dollars in the last 30 days to reduce my overall amount of used credit. This is not fair, stop destroying my credit. My mortgage company changed from Ocwen to PHH and is reporting my loan as a new modification, this is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 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: TX

Complaint narrative:
THIS IS NOT A DUPLICATE COMPLAINT, I HAVE UNAUTHORIZED INQUIRES ON TRANSUNION MOST OF THE INQUIRES WERE REMOVE BUT 3 STILL REMAIN ON MY REPORT. XXXX XXXX, XXXX. 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 2019-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
I had my card copied and was used at XXXX XXXX XXXX and XXXX Bank of America put the claim in wrong that I got charged 2 times and would provide recent never got anything in the mail then they took out of my account.I then called and told them they made a mistake and these were fraudulent.They put a claim in and these companies wouldn't give the money and closed my account without telling cause I was XXXX overdrawn and charge backs were for XXXX XXXX XXXX and XXXX now they are holding onto my direct deposit from my and are going to take it out of that money which I need to pay my mortgage and car payment.they did these charges XX/XX/XXXX 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 2019-07-17 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: N.A.R., Inc.
State: ID

Complaint narrative:
The collection company had sued me for a car repossessed that I co-signed. They originally were asking an amount of {$10000.00} which was what the bank claimed they had in lost after they repossessed the car. After going back and forth on the how much the car was truly worth, the collection company made me an offer to lower that amount to {$5700.00}, which I ended up accepting since I didn't want to spend money on a lawyer or anything. So the final settlement is set at {$5700.00} to repay {$130.00} per month which was signed by the court from the XXXX Judicial District, XXXX XXXX County ( shown on the attached file ). since then I have made two payments which doesn't show on my credit record. 
The problem is that I contacted them ( attached file ) and they refuse to update the collection amount from my credit record. the amount is sitting at {$11000.00} right and it keeps increasing. Since the settlement was finalized the amount had increased by {$780.00} on my credit report, which has caused my FICO to drop 25 points ( shown on the attached file ). 
This has caused me to be rejected from getting a loan from XXXX XXXX for a XXXX I recently had, so I had to get a loan of {$6000.00} from a private party at a interest rate of 26 %.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 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: MA

Complaint narrative:
I contacted XXXX because there is an account on my credit report that is being reported as a charge off. I asked the representative if she could tell me the name of the data furnisher and she said XXXX XXXX, now XXXX XXXX is the name of a credit card and it is not an actual company, how can a credit card name be reporting an account? According to the FCRA everything on a consumers credit report needs to be 100 % accurate without any mistakes, I want them to validate this account because I dont dont what it is and where it came from. I want this account deleted from my credit file because every single company name that I have been given starting with the original creditor arent correct, I called the original creditor which is XXXX XXXX and they told me that the account was sold to a company called XXXX XXXX XXXX, then I contacted XXXX XXXX XXXX  and they told me to contact a company called XXXX XXXX XXXX, then XXXX XXXX XXXX told me to call a company called XXXX XXXX and XXXX XXXX told me that they do not have the account with my information, I also received a letter from the original creditor telling me that the account was sold to a company called XXXX XXXX, I contacted XXXX XXXX and they do not have the account, What I would like to know is, how is it that XXXX  and the other credit bureaus Transunion and XXXX  tell me that when I disputed this account it was verified, who verified the account if none of these companies have it? and the name of the data furnisher that appears on my credit report is not a company but a credit card name? Delete this account now because it has not and cant be verified or validated.

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 2019-07-17 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: MA

Complaint narrative:
I contacted XXXX because there is an account on my credit report that is being reported as a charge off. I asked the representative if she could tell me the name of the data furnisher and she said XXXX XXXX, now XXXX XXXX is the name of a credit card and it is not an actual company, how can a credit card name be reporting an account? According to the FCRA everything on a consumers credit report needs to be 100 % accurate without any mistakes, I want them to validate this account because I dont dont what it is and where it came from. I want this account deleted from my credit file because every single company name that I have been given starting with the original creditor arent correct, I called the original creditor which is XXXX XXXX and they told me that the account was sold to a company called XXXX XXXX XXXX, then I contacted XXXX XXXX XXXX and they told me to contact a company called XXXX XXXX XXXX, then XXXX XXXX XXXX told me to call a company called XXXX XXXX  and XXXX XXXX told me that they do not have the account with my information, I also received a letter from the original creditor telling me that the account was sold to a company called XXXX XXXX, I contacted XXXX XXXX and they do not have the account, What I would like to know is, how is it that XXXX and the other credit bureaus XXXX and EQUIFAX tell me that when I disputed this account it was verified, who verified the account if none of these companies have it? and the name of the data furnisher that appears on my credit report is not a company but a credit card name? Delete this account now because it has not and cant be verified or validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Purchased Certificate of Deposit from XXXX XXXX XXXX in XX/XX/XXXX. XXXX XXXX XXXX was merged with XXXX XXXX  on XX/XX/XXXX. At the time I made contact with the bank and was told my certificate was safe with them. XXXX  was acquired by Huntington National Bank in XXXX. I contacted them and they confirmed the certificate was still valid. About 5 years ago I contacted the bank to cash my certificate and they refused to honor it. They told me they had no record of it. I have the certificate and have not been able to cash it. I am trying to clear credit card debts and other obligations. I have exhausted all options.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 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: IA

Complaint narrative:
On XX/XX/XXXX, my wife made two small purchases at our local library of {$1.00} and {$9.00} respectively using our Bank of America credit card. In reviewing our account statement with B of A, I was shocked to see two separate {$10.00} charges from the credit card company. 

I am a long time customer with an over 800 credit score and was well below our credit limit. I've never been past due nor have I ever been charged such a fee before. 

I decided to call the company to see if this was a mistake. After waiting on hold for over 40 minutes, I was told these were valid charges and therefore would not be reversed. When I asked why they were valid, they claimed it was because the charges were made as " cash equivalents ''. There was nothing different about our transaction from any other as they were processed using a normal credit card merchant device at the library. 

I subsequently asked to speak with a supervisor to see if the fees could be reversed due to my long time customer status. I was greeted by " XXXX '' who not only was smug and disrespectful, but also was lectured on why the charges were " valid and reasonable '', and was then told a story about bailing his brother out of jail and being surprised by the charges he incurred for such a transaction. Finally, he reiterated the charges would not be reversed. When I asked if they really wanted to lose a customer of nearly 15 years over {$20.00} in charges, he simply stated he could not do anything further. 

I subsequently reached out to BofA using their XXXX XXXX account. During my chat conversation I was told that because a decision had already been made to not reverse the charges that there was nothing they could do. 

I would like to place a UDAAP complaint against Bank of America for deceptively charging {$20.00} in fees for less than {$12.00} in total charges. This would equate to a 2000 % APR, not even considering standard interest charges which could be incurred. I made every attempt to have them make it right with me and they refused.

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 2019-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
after recently seeing interest I paid on 2 credit cards which is not the original rate [ Capital one there in my wallet ], I paid them off. after paying off total balance I was billed another payment and was restricted from any charges for use on both cards after being told that I had to do a verification and could not be accepted on 3 attempts. I am under the impression just the way they handle me as a customer that they dont want my business since there is no option for verification in person I froze the account online. They also told me that since it is now restricted that my choice to freeze cards can not be done since restricted. What they have told me is definitely scripted and seems to be an attempt to close my account. They also wiped out the XXXX XXXX  XXXX rewards I collected. My efforts to straighten up this mess has resulted in high then normal XXXX XXXX and the embarrassment of the cards not working after they told me it was working again. cards ending in XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: IL

Complaint narrative:
I was involved in a civil action against a property management company in XXXX, after being denied the amount that they tried to sue for the company sold a debt to hunterwarfield in my name, no such debt us owed. I was made aware of this when I tried to buy a home in XXXX as my application was denied due to the company reporting that I owe some XXXX dollars. I disputed with credit agencies as well as called hunterwarfield. The person I spoke to told me I had to prove the debt was not legitimate, which is the opposite of the law, however I sent the court records to hunterwarfield as well as the credit agencies. Hunterwarfield replied to the credit agencies claiming that the debt they are reporting is a different debt. Warfield has refused to obey the law, I was forced to change my number after talking to them because I instantly began receiving robocalls calls as well as a man calling claiming that he worked for the government and was trying to serve me a warrant for arrest but that I could pay warfield to quash the warrant. This behavior is uncalled for and illegal, when you add the fact that I do not owe them money it becomes even more appalling. This company has tanked my credit score and is costing me thousands a year while preventing me from buying a home with their illegal behavior.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: AR

Complaint narrative:
On XX/XX/2017 I went to an urgent care at XXXX XXXX XXXX XXXX, XXXX XXXX, OK XXXX because of a XXXX XXXX XXXX. I paid a fee to see a doctor and specifically said I did not agree to pay outside lab fees. I told them I had a XXXX XXXX XXXX, which I verified by taking a test I bought at a pharmacy for about {$10.00}. I was told by the intake clerk that the test was included and performed in their office. 

I received a bill from XXXX XXXX of Oklahoma invoice date XX/XX/2017 in the amount of {$510.00}. The bill listed two XXXX XXXX XXXX ; XXXX XXXX, XXXX XXXX ; two XXXX XXXX, AXXXX XXXX ; XXXX XXXX  ; and five XXXXXXXX XXXX XXXX XXXX, each as separate charges to total {$510.00}. 

I called XXXX and the urgent care in XXXX. I have a note with the paperwork that says " XXXX XXXX XXXX XXXX '' but don't remember who told me that name. I do remember the medical office person telling me she would call the laboratory and tell them the charge did not belong to me. 

Apparently that never happened. I get annoying phone calls multiple times per day. 

Today I tape recorded a call where I demanded Transworld Systems Inc stop calling my number and send any billing in writing. Four hours later they called me again. They said the bill they were trying to collect is from XXXX XXXX for {$510.00} incurred on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 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:
XX/XX/2007 my home was vandalized and robbed while my family and I were out of the country, the police report number is XXXX. Its as if they were looking for something because the thieves stole files of tax information, televisions, jewelry, and a safe.Years has past since then but I pulled my credit recently and I noticed some accounts on my credit report that I do not recognize

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 2019-07-17 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:
XX/XX/2007 my home was vandalized and robbed while my family and I were out of the country, the police report number is XXXX. Its as if they were looking for something because the thieves stole files of tax information, televisions, jewelry, and a safe.Years has past since then but I pulled my credit recently and I noticed some accounts on my credit report that I do not recognize

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