vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
My wife and I have been a Bank of America customer for over 14 years with a " XXXXeferred Customer '' status and hundreds of thousands of dollars in annual transaction. We take financial responsibility very seriously and have never been behind or defaulted on payments. Our credit scores were immaculate and in the 800 's until ruined by Bank of America for the following reasons : In XXXX of XXXX, our bank accounts were hacked into by unidentified individuals. This was immediately reported to Bank of America after which all our checking and saving accounts and credit cards were shut down. We later opened new accounts with the bank and transferred our accounts and credit cards over. Unfortunately, Bank of America failed to transfer one of our credit cards to the new account which resulted in our inability to access our statements or balances. In XXXX of XXXX when we applied for a mortgage, we realized that Bank of America had reported this credit card balance to the credit reporting agencies as " delinquent '' which prevented us from obtaining a mortgage without prior notification. 

We immediately paid our credit card balance once we found out about this issue via email and asked Bank of America multiple times to either give us access to our credit card information or send us statements. Bank of America stated that they " would not normally transfer credit cards over to a new account '' but they agreed to send us paper statements. This is clearly false as they had transferred other credit cards to our new account. They have also sent us notification letters in the past regarding our credit cards but failed to send us a proper and timely notification about this credit card. They later closed down our credit card inexplicably and again without an advanced notification. 

We have reached out to Bank of America multiple times to seek an explanation and a resolution. Regretfully, our efforts have been unsuccessful as of yet. 

We kindly request that you investigate this complaint as the Bank 's actions appear to be in violation of the Fair Credit Reporting Act.

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 2021-05-23 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: IL

Complaint narrative:
This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt.

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 2021-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX I applied for the BBVA Select credit card under a " double points '' sign up bonus promotion that was running in XXXX. My application documents were completed and signed on XX/XX/XXXX. BBVA had internal submission issues that day and so my documents did not get processed immediately when they were completed ( reference attached email string page 2 for verification of these facts, email dated XXXX XXXX, XXXX ). 

Over that weekend, the " double points '' sign up bonus promotion was pulled early, however I was assured that since my application was completed prior to the promotion being pulled, the promotion I applied under would be honored ( reference same attached email string page 2 for verification of these facts, email dated XXXX XXXX, XXXX ). 

I completed the required spend for the sign up bonus, and the bonus I received for it was half of what I was expecting - basically I did not received the " double points '' bonus which I had signed up for. I notified BBVA of this issue on XX/XX/XXXX ( reference page 3 of email string for verification of these facts, email dated XX/XX/XXXX ). 

I followed up to that email on XX/XX/XXXX since I had not received a response ( reference page 3 of email string for verification of these facts, email dated XX/XX/XXXX ). 

I received a response on XX/XX/XXXX indicating that this was going to be investigated ( reference page 3 of email string for verification of these facts, email dated XX/XX/XXXX ). 

To date I have not received the " double points '' bonus I signed up for under the promotion. I also have not received any further notices from the bank to indicate that they have looked into my issue or are looking into my issue. I followed up on XX/XX/XXXX as well as XX/XX/XXXX requesting an update but did not receive any response ( reference page 3 and 4 of email string for verification of these facts, emails dated XX/XX/XXXX and XX/XX/XXXX ). 

Since BBVA is no longer responding to my inquiries, the issue has not been resolved, and I have no way of knowing if it is even being investigated at this point, I am opening up this complaint to force a response from the bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-23 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: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
XX/XX/XXXX, I sent a letter to Comenity Capital bank, after already disputing the accounts, stating a settlement offer on an account. The letter stated upon cashing the money order, they would agree to completely remove all references to this account with all the credit bureaus, agree to not list as paid collection or settled account, and agree payment was satisfying the debt in full. I also requested settlement within 15 calender days from receipt of payment. On XX/XX/XXXX, they sent out a letter stating they would like me to call their recovery Department to resolve the issue. XX/XX/XXXX at XXXX XXXX, I called and the representative said I could settle the accounts and I would have to send the money orders individually instead of one money order for all accounts. She also gave me a settlement amount for each account. On XX/XX/XXXX, I sent a settlement letter and a XXXX XXXX money order in the amount of {$210.00}, the amount they gave me to settle my XXXX account with Comenity Bank. The money order, # XXXX was cashed on XX/XX/XXXX. As of XX/XX/XXXX, I have not received any notice, the amount I sent in was deducted from the balance and now showing a balance due and the account is still showing on my credit reports. Comenity did not settle the account and they did not remove all references from my credit reports, as they have agreed to my settlement terms by cashing the money order, and it is beyond the 15 calendar days since received.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I was recently checking my credit report and I saw several things I did not initiate. I was informed sometime ago that I was included in a data breach for XXXX, but thought is was a scam and didn't pay much attention to it. I have been in contact with agents from all bureaus and they are giving me the run around about deleting information that doesn't belong to me. They are reporting inaccurate information which is a direct violation of the FCRA. Now as a result, I have inquiries on my credit file/report that do not belong to me. The inquiries are from XXXX for XXXX ; Experian for XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ; and XXXX for XXXX XXXX. I have filed a report with the FTC, report number # 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 non-monetary relief
Consumer complaint received 2021-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2021 I initiated a balance transfer for my Wells Fargo credit card to pay {$8000.00} to my XXXX XXXXXXXX XXXX XXXX. Wells Fargo approved it and applied the funds to my Wells Fargo credit account. By XX/XX/XXXX I noticed the credit was never applied to my XXXX account so I called both banks to inquire. Wells Fargo opened an investigation into the issue and said it would take up to 90 days to complete the investigation. I have called twice since to check on the status of the investigation and nothing has been done yet. XXXX can not do anything because they have no record of any payments from Wells Fargo. So now I am stuck paying large payments on both accounts and my credit score dropped because it shows that I have twice the amount of debt I should have. Just because they have up to 90 days to investigate doesnt mean it should take a full 90 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 non-monetary relief
Consumer complaint received 2021-05-23 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: IL

Complaint narrative:
This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 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: IL

Complaint narrative:
This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt.

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 2021-05-23 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: TX

Complaint narrative:
I was part of the XXXX Equifax XXXX breach. On XX/XX/XXXX A fraudulent closed account from XXXX  XXXX XXXX XXXX showed up on my Equifax credit report and the date it appeared it automatically showed under remarks : consumer disputes, reinvestigation in progress. Charged off account. XXXX XXXX XXXX says they dont have an account with my information. How did this get on my Equifax credit report then? Something is going on with Equifax and its scary. 
I didnt even have a chance to dispute it and it wont let me follow the process to dispute the closed account myself nor can I see the progress of the dispute on my equifax account. Its clearly fraudulent. I cant get through to anyone at Equifax to help me and spent hours on the phone with them only to be disconnected by the representative. No one ever called me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I contacted the creditors who placed the inquiries and asked them to remove their credit inquiries from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no response from their offices. Since sending the letters more than 30 business days ago, they have failed to respond and honor my request. 

Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into these inquiries on my credit report to determine who authorized the inquiries. If once your investigation is complete you find my allegation to be true, please remove the unauthorized inquiries from my credit report and send me an updated copy of my credit report at my address listed above. If you do find the inquiries referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 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: CarMax, Inc.
State: TN

Complaint narrative:
On this month, I reach out to Carmax auto Finance about why I am not received any statement in the mail throughout this last past three year. I have been getting my account current due to failure of Carmax working with me to make sure that I can have my account is caught up. They promise me that they wouldn't put any negative remarks on my credit report if I agree to pay them to have my account current. Still until this day my account is showing negative on my credit report and needs to be correct with removing all negative payment history for failure of send me a bill every month and also not helping me making any payment plans to keep my car loan current.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: GOOGAIN, INC.
State: CA

Complaint narrative:
In XXXX I have noticed that there were unauthorized transactions on my XXXX account. There were subscriptions to video-game type services from XXXX XXXX that I have never seen before. 3 services : {$190.00}, {$310.00}, {$100.00}. These were subscriptions, so by the time I noticed it over {$1000.00} has been withdrawn. When I checked my account activity for that XXXX account I saw that a device ( a phone ) has been accepted that I have never seen before. I immediately closed the XXXX account filed a claim with them and my bank, XXXX Bank. On XX/XX/XXXX my bank denied my claim due to XXXX reporting the transactions as not fraudulent. A Bank representative told me that XXXX said these transactions were not fraudulent because they had my name and address and all information was correct. All that information was obtained from my XXXX account. My direct deposit from work was associated with that gmail account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: Santander Consumer USA Holdings Inc.
State: TN

Complaint narrative:
Santander consumer USA agreed upon a class action settlement from the year XXXX to present. The agreement state that are to forgive any loans provided between the year XX/XX/XXXX with qualifying factors. One of the factors being that the account had to have defaulted between the yearsXX/XX/XXXX in which my loan had done twice as a result of me not being able to keep up with the payments because of the increased interest rates. My states Attorney General did file a complaint within the class to deem all account holders eligible under those certain circumstances. I can provide proof upon request. This account is holding up from getting a house for my children. Any help provided will be greatly appreciated. This account is under litigation and should be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I contacted the creditors who placed the inquiries and asked them to remove their credit inquiries from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no response from their offices. Since sending the letters more than 30 business days ago, they have failed to respond and honor my request. 

Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into these inquiries on my credit report to determine who authorized the inquiries. If once your investigation is complete you find my allegation to be true, please remove the unauthorized inquiries from my credit report and send me an updated copy of my credit report at my address listed above. If you do find the inquiries referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation.

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 2021-05-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
This is specifically related to the required flood insurance for my property, In summary, my Flood insurance premium is {$2700.00}. As you examine my escrow account you will see that Truist has paid {$12000.00} through multiple payments for flood insurance. These payments began on XX/XX/2021, and concluded on XX/XX/2021. 

Across this same timeframe, you will see multiple Flood Insurance refunds in the escrow account totaling {$7100.00}. 

I am certain you will appreciate the difficulty all this has caused me, not to mention the inordinate amount of my own personal time consumed. 

Still, after all this, my flood insurance remains overpaid by {$2700.00}.

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 2021-05-23 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: ME

Complaint narrative:
I have an outstanding debt from The XXXX XXXX, in the amount of {$170.00} from XXXX, on my credit reports. This debt is medical, and I live in Maine. Medical debt is no longer reportable at 6yrs. This debt was easily, within a day to a wk, removed from XXXX  and XXXX. However, when trying to contact Equifax, it has been a 2 month nightmare of incompetence. I called them twice back in XX/XX/XXXX, and after being on hold for over an hour, was told debt falls off in 7yrs. The CSR I spoke with refused to file my dispute! I tried doing it myself online, but their website would not allow me to login. I had to call them yet again, this time just to get into my account. However the CSR did try to address my dispute issue, quoting the same 7yr rule, despite my statements that the other credit companies already ( & quickly ) removed this exact same report, along with any derogatory marks. I chose to file my dispute via their online option. That was around XXXX XXXX. I stated that the debt must be removed immediately, it was beyond the time laws in my state, and it had been done without issue by both of the other credit reporting agencies. When completed, there was a message that they would have a result by XX/XX/XXXX. It is currently XX/XX/XXXX, and I have heard nothing from Equifax. I decided to check on the status. The XXXX XXXX report was just posted, yet again, to my account! Upon logging in to my Equifax account, it states that they made a decision on XX/XX/XXXX. Curious I opened the document, and all it states is that they verified the debt!! There is no evidence on the report of my claim, my comments, or that they were requested to remove this debt, NOT VERIFY IT! They did nothing I requested them to do, nor notify me of the results. I don't understand how the other credit agencies can solve this issue, one within hours, the other within a week, while Equifax requested a month, did not address my complaint, and in prior attempts dismissed and argue my issue as incorrect!?! If it were incorrect, why would the other agencies fix the issue immediately? I am furious and beyond frustrated with Equifax. I do not understand how they are a legitimate agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 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: VA

Complaint narrative:
Transunion and XXXX are currently still reporting an account from XXXX XXXX XXXX that the company itself has said to be deleted as the account was inaccurate. 

In XXXX of 2021 my husband and I sent a joint validation letter to XXXX XXXX XXXX in regards to an entry listed on my credit report. XXXX responded that they were not collecting on this account and the account had been sold to a collection agency, XXXX XXXX. I then sent a copy of this letter to all 3 major credit bureaus and was deleted from just XXXX on my credit profile and XXXX and XXXX  on my husbands credit profile. 

Later in XXXX of 2021 we sent a validation letter straight to XXXX XXXX requesting a proper validation for this account. We received two letters dated just a day apart stating that XXXX did not have knowledge of this account and the other stated that they were ceasing collection on this account. 

Each month I have sent copies of these letters to Transunion and XXXX requesting deletion of this account but it is still listed. I would like to have this account removed as it is causing serious harm to my credit file.

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