vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-22 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 — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
In XX/XX/XXXX, XXXX XXXX XXXX enticed me, a personal consumer, to patronize their " XXXX XXXX XXXX XXXX XXXX  '' ( formerly " XXXX XXXX  '' ) streaming service with a " {$10.00} ( plus 10 % tax rate ) '' ( {$11.00} ) offer as long as I initiated and maintained a phone plan and mobile carrier services from XXXX XXXX XXXX. I accepted this offer and authorized monthly charges in the amount of {$11.00} to my Bank of America 'Cash Rewards Visa Signature ' credit card. XXXX XXXX XXXX has unilaterally increased the {$11.00} charge to my credit card on multiple occasions. The {$11.00} charge for " XXXX XXXX XXXX XXXX XXXX '' services was increased in XX/XX/XXXX to {$16.00} and every month thereafter until XX/XX/XXXX when it was further increased to {$26.00} and every month thereafter until XX/XX/XXXX when it was further increased to {$37.00} and every month thereafter until XX/XX/XXXX when I was charged {$63.00} for a single month of " XXXX XXXX XXXX XXXX XXXX   '' services ; this most recent charge in XX/XX/XXXX captured my attention in an alarming manner. The only change to the main stipulation that required me, as a personal consumer, to maintain a phone plan and mobile carrier services from XXXX XXXX XXXX, that I processed ( without being informed of the possible impact to the {$11.00} " XXXX XXXX XXXX XXXX XXXX '' service rate authorized ), occurred in XX/XX/XXXX when I purchased a brand new XXXX XXXX phone device from XXXX XXXX XXXX and added a new line ( new service lines in addition to my preexisting service line since XX/XX/XXXX from XXXX  XXXX XXXX ). Since that XX/XX/XXXX transaction, I've been charged the {$37.00} increased amount beyond the {$11.00} authorized amount, twice and then in XX/XX/XXXX charged a {$63.00} amount that captured my attention and to which I reach out to XXXX XXXX XXXX ( refer to correspondence attached ) and processed an immediate cancellation of " XXXX XXXX XXXX XXXX XXXX '' services. The only explanation offered by XXXX XXXX XXXX for their unilateral increases to authorized {$11.00} charges was that " the price increase as subjected to market value and the raising costs from the channel provider '' ( refer to correspondence attached ).

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 2020-08-22 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: WA

Complaint narrative:
( Because the layout format of the previous submission is messy, I resubmit and put all the content in the pdf attachment ) /n Complaints against BOA for alleged abuse of discretion and systemic discrimination : Im a XXXX  resident in the US . I believe I do nothing wrong. But just because of Bank of Americas misleading sales, abuse of discretions, and possible systematic discrimination against ethnic minorities, all my five well-run BOA accounts were closed. In this  difficult COVID-19 pandemic time, I cant pay online. I have to go out, again and again, to solve various financial and shopping issues for my family regardless of the risk, in the area with the highest number of infected in my state. /n Especially when I simply searched in XXXX and inquired about the XXXX  complaint data of BOA , I had to suspect that this was BOAs systematic discrimination against disadvantaged customer groups and malicious abuse of the discretionary power granted by the law, to maximize the BOAs own interests., Minimize their risk, and deliberately harm the interests of customers, as the similar discrimination cases of XXXX XXXX, XXXX, and XXXX XXXX in XXXX .... ( Because the layout format of the previous submission is messy, I resubmit and put all the content in the pdf attachment )

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 2020-08-22 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: NJ

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

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 2020-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NJ

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am having tons of problems with the spelling of my name on my credit file. My Birth name is XXXX XXXX XXXX My SS XXXX My DOB XXXX. Please delete any other names, DOB or SS variations of my personal information they are not mine. I am in need of a new report with the following addresses deleted that do not belong to me. Please delete the following : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX LA XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am having tons of problems with the spelling of my name on my credit file. My Birth name is XXXX XXXX XXXX My SS XXXX My DOB XXXX. Please delete any other names, DOB or SS variations of my personal information they are not mine. I am in need of a new report with the following addresses deleted that do not belong to me. Please delete the following : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX LA XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX OH 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 2020-08-22 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: OH

Complaint narrative:
I have two unverified accounts that I have already file a complaint about the inaccurately. 
XXXX XXXX XXXX, XXXX XXXX XXXX. I have some issues also with inquires that are not mine Please delete : XXXX XXXX XXXX, XXXXXXXX XXXX  via XXXX, XXXX, XXXX XXXX XXXX via XXXX XXXX, XXXX XXXX XXXX via XXXX, XXXX XXXX via 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 2020-08-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
This is our 7th or 8th complaint, with no answers to our questions. We were ask by the CFPB to make another complaint asking more specific questions. 

We went to Bank of America for a modification loan : Why so many different representatives for one loan? 
Do you ever give said loans or do you just keep on giving said application to different representatives so that the loan will never go through? 

After NO help with modification loan. We put our home on the market to prevent a sheriff sale. Bank of America was told that our home was put on the market and we were told the all sheriff sale procedures would be stopped pending sale sale of our home. 

Why then was a sheriff sale notice posted on our front door 2 and a half months later? 
( with Bank of America knowing we had a buyer and a closing date ) Do the ever do what they say? 

At this point our attorney asked the Bank of America 's attorney to cancel sheriff sale due to the fact that we had a buyer and a closing date : Why then did their attorney deny said request? 

This caused our attorney to obtain closing amounts from the sheriffs office, which was done. 

Why did Bank of America request an additional {$6100.00} above the amount supplied be the sheriff 's office? 

We closed on XX/XX/XXXX. The check were sent to proper destination per sheriff sale protocol. 

What happen to the closing check for 11 additional month from closing date? 
Why did it sit somewhere when there attorney 's office was supposed to have things under control? 
Why did it take them 11 months to fix the problem that Bank of America started all the way back with there lack of competence with processing the modification loan? 
Why did they offer us said modification loan in XXXX, 5 months after we sold the house? 
Why did it take Bank of America and their attorney 's 11 month to find and cash the closing check? When it was Bank of America and Their Attorney 's that started said sheriff sale!! 

I called Bank of America every month after receiving delinquency notices for a house we no longer owned. I was told that that our mortgage was still open and they would look into it. This happened every month for 11 months!! 

Why did Bank of America do NOTHING for those 11 months? 
After all this why will Bank of America take no blame for all the financial difficulties our family has been going through? 

If they did nothing wrong!!! Why are they REMOVING 3 months of delinquency from our credit report? 
Why not remove all 11 months? 

It is quite obvious that Bank of America had their hands in our financial problems, THEY sure did nothing to help!!

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 2020-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I have had an existing account with Bank of America for over 10 years that my mother opened for me as a student account when I was in college. I am engaged to be married so I opened a new account just in my name with Bank of America on XX/XX/XXXX and deposited my paycheck into the account via the bank 's mobile application on XX/XX/XXXX. That check cleared my employer 's account on XX/XX/XXXX ; however, the funds are unlawfully being held by Bank of America until XX/XX/XXXX as they are considering the account to be a new account even though I opened the account under my existing Bank of America credentials. 

I have spoken to several Bank of America representatives and my mother even called her banking representative to try to get the hold on the funds released to no avail. I checked your website at it specifically notes that accounts should not be considered " new '' if the account holder had an established account with the institution.

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 2020-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I have learned that American Express arbitrarily decided to cut my credit limit in half on XX/XX/XXXX and lower it from $ XXXX to $ XXXX, which brought me extremely close to maxing out the account instead of being at about 45 % usage. 
I contacted AmEx and was informed this is due to " information they received from a credit bureau '', specifically XXXX. They said this was due to changes in using my credit cards and change in credit score. 
I have immediately checked my credit scores and reports and my credit score has been steadily increasing for months and currently is XXXX on both XXXX  and XXXX  report. 
The only card I've used for months now is AmEx so that is the only change in credit card usage I've had in several months. 
American Express also has NOT reported anything from my account to XXXX or XXXX  since XX/XX/2020, yet claim they made their decision based on " responsible lender '' information. If this is what they call responsible, I must buy a new dictionary. 
I've had an account with AmEx for about 9 or 10 years, with this same credit card. 
Cutting my limit in half during a pandemic is, I believe, if not illegal, then immoral, as no data on any of my credit reports justifies the decrease. 
My payment history is 100 % and XXXX credit score shows in every way possible that I am a responsible credit card owner. 
With a salary of {$75000.00} per year, I am not sure what else do these credit card companies require for us to be left in peace to use credit cards, they make money from! 
I've always been taught that high credit score, decent salary, no-blemish credit payment history is what someone would want from a credit card holder, but I guess after 10 years, in a pandemic, they decided they would start these new practices. 
I want to warn every person who has a credit card with AmEx that this is something that can happen out of the blue no matter how good of a customer you are. 
I've immediately paid off this card and am now in the process of closing my account, I do not need to make any money to a company like this, but I do think it's my responsibility to report this type of absolutely disgusting behavior.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: LA

Complaint narrative:
To Whom It May Concern : On XX/XX/2020, I use MoneyGram Payment Systems, Inc service to send a payment to XXXX towards my loan which was due on XX/XX/2020. When my due date passed, I contacted XXXX, and they verified that no payment was ever received. After finding out the payment was miss applied, I contacted MoneyGram Payment Systems, Inc on XX/XX/2020, and requested that they put a trace to see what address my money was sent to and the associate told me to call them back on XX/XX/2020, and they will have a status. So, I decided to research further and discovered that the payment was sent to the wrong merchant ( XXXXXXXX XXXX XXXX ). 

On XX/XX/2020, I followed up with MoneyGram Payment Systems, Inc again and the agent still could not supply any  information on the status. 

Furthermore, I am requesting MoneyGram Payment Systems , Inc to issue a FULL refund because they failed to process my  payment correctly, sent to the wrong Payee, and thirty-two days past my due date. Not to mention, it defeated the purpose for which I authorized because MoneyGram Payment Systems , Inc failed to carry out service in a timely matter. Due to MoneyGram Payment Systems , Inc negligence, I had to make another payment on XX/XX/2020, to avoid ruining my credit and to stop the collection calls I was receiving each day from XXXX. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22 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: OH

Complaint narrative:
I have some inquires that I don't recognize on my credit report. please delete the following inquires XXXX XXXX XXXX XXXX, XXXX, XXXX. This is a 604 FCRA violation please delete these unauthorized inquires I have never applied for any accounts with these above-mentioned accounts or companies.

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 2020-08-22 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have not recived my free credit report.

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 2020-08-22 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: OH

Complaint narrative:
I have two unverified accounts that I have already file a complaint about the inaccurately. 
XXXX XXXX XXXX, XXXX XXXX XXXX. I have some issues also with inquires that are not mine Please delete : XXXX XXXX XXXX, XXXX XXXX via XXXX, XXXX, XXXX XXXX XXXX via XXXX XXXX, XXXX XXXX XXXX via XXXX, XXXX XXXX via XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22 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: OH

Complaint narrative:
I have two unverified accounts that I have already file a complaint about the inaccurately. 
XXXX XXXX XXXX, XXXX XXXX XXXX. I have some issues also with inquires that are not mine Please delete : XXXX XXXX XXXX, XXXX XXXX via XXXX, XXXX, XXXX XXXX XXXX via XXXX XXXX, XXXX XXXX XXXX via XXXX, XXXX XXXX via 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 2020-08-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
On XX/XX/XXXX I checked my credit reports and found two accounts shown that were placed in collections. Both accounts were listed by Radius Global Solutions, a debt collector located in Minnesota. Both accounts show the original creditor as XXXX XXXX XXXX XXXX. One account was for {$1500.00} and the second was for {$110.00}. I immediately filed a dispute at XXXX   and XXXX for these accounts as I never have received services from XXXX. XXXX investigated the accounts and removed them both from my report. XXXX   investigated but only removed the smaller account. I contacted Radius Global Solutions and advised them that there was an error and I never received service from XXXX XXXX XXXX XXXX. I never received a bill from XXXX XXXX XXXX XXXX in the past at my address or was ever contacted by them. Also, I was never given any notice from Radius Global Solutions about the account they were trying to collect on. Radius never contacted me by mail or phone. My first knowledge of the account was on XX/XX/XXXX when I check my credit report and discovered it there in error. I also contacted XXXX and they did not have a record of a bill for me. They advised the date of service was XX/XX/XXXX at XXXX XXXX XXXX in XXXX TX. I contacted XXXX XXXX XXXX hospital and gave them the service date and my name and they did not any record showing that I came to the hospital. I have never been to XXXX XXXX XXXX or received service from XXXX. I made this known to Radius and they continue to call me to collect bills on this account. I am now beginning to get notices for other charges and other service dates that are also in error from Radius Global Solutions. Also, they are calling me from " spoofed '' numbers  from my area code.

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