vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-17 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: MI

Complaint narrative:
There is a balance from XXXX on my credit report that has been paid to the debt collection agency EOS CCA. The balance reported on my credit report was {$770.00}, however the amount I paid is {$270.00} ( not including a {$2.00} processing fee ). However, it is in violation of several FCRA statutes. The items I cite as being violations of the FCRA are : posting a higher balance than the collections representative had me pay, no date of first delinquency reported as required by FCRA 623 ( a ) ( 5 ) ( a ), not providing notice of furnishing negative information FCRA 623 ( a ) ( 7 ) ( A ) ( i ), and it would be in violation of FCRA 623 ( a ) ( 1 ) ( B ) if this information continues to be reported. There are 0 sections that prohibit deletion.

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 2021-03-17 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: EQUIFAX, INC.
State: MI

Complaint narrative:
There is a balance from XXXX on my credit report that has been paid to the debt collection agency XXXX XXXX. The balance reported on my credit report was {$770.00}, however the amount I paid is {$270.00} ( not including a {$2.00} processing fee ). However, it is in violation of several FCRA statutes. The items I cite as being violations of the FCRA are : posting a higher balance than the collections representative had me pay, no date of first delinquency reported as required by FCRA 623 ( a ) ( 5 ) ( a ), not providing notice of furnishing negative information FCRA 623 ( a ) ( 7 ) ( A ) ( i ), and it would be in violation of FCRA 623 ( a ) ( 1 ) ( B ) if this information continues to be reported. There are 0 sections that prohibit deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
This is a general complaint on how credit reporting works. I understand if I have a 30, 60, 90, 120 day late and charge-off with a creditor that my credit should be effected in a negative manner. I can even understand my credit being impacted by selling to ONE collection agency. It seems very unfair however, that every time the debt is sold to a different collection agency my credit scored go down. If I was unable to pay the debt to the original creditor I am not going to be able to pay with all the new collection charges. My credit will NEVER recover. This takes money out of the economy. People are unable to get mortgages, cars or any other credit because of the numerous reporting of a single account. The scoring needs to change. Score the original debt and even the first collection but after that the debt should stop affecting your credit. Let them collect and go through the court process. Seems like people don't get due process on debts. A {$500.00} debt can become a lifetime anchor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
This is a general complaint on how credit reporting works. I understand if I have a 30, 60, 90, 120 day late and charge-off with a creditor that my credit should be effected in a negative manner. I can even understand my credit being impacted by selling to ONE collection agency. It seems very unfair however, that every time the debt is sold to a different collection agency my credit scored go down. If I was unable to pay the debt to the original creditor I am not going to be able to pay with all the new collection charges. My credit will NEVER recover. This takes money out of the economy. People are unable to get mortgages, cars or any other credit because of the numerous reporting of a single account. The scoring needs to change. Score the original debt and even the first collection but after that the debt should stop affecting your credit. Let them collect and go through the court process. Seems like people don't get due process on debts. A {$500.00} debt can become a lifetime anchor.

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 2021-03-17 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: IL

Complaint narrative:
I have already contacted the bank about my secured credit card. I personally came to the branch 6 years ago. Paid all I must in full and a bank employee told me that everything was fine. The card would be closed and I didn't owe anything else. In the written response from the bank, there is no information on how they conducted an investigation into 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 2021-03-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: FL

Complaint narrative:
Amerihome lost a payment that was wired to them from XXXX XXXX XXXX, and are not properly investigating the issue. My XX/XX/2021 mortgage payment was made on XX/XX/XXXX, for the amount of {$1200.00} to my previous service provider, XXXX XXXX XXXX XXXX XXXX. {$1100.00} would have gone to my monthly due, with an additional {$100.00} made to principal. The confirmation number for the payment was XXXX. My mortgage was transferred to Amerihome Mortgage Company , LLC from XXXX XXXX XXXX XXXX XXXX on XX/XX/2021. They made a wire transfer to Amerihome on the same day for that amount, under my previous loan number. Amerihome has failed to resolve this issue over numerous phone calls made. My current balance with Amerihome is inaccurate, and my account is erroneously listed as past due and needs to be adjusted to reflect the correct balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Flagstar Bank, N.A.
State: CA

Complaint narrative:
At the end of XXXX, I closed a mortgage refinance with XXXX XXXX. The loan being refinanced was serviced by XXXX XXXX XXXX. 

After closing of the refinance but before the funds to payoff the old loan were sent, servicing of the loan was transferred to Flagstar Bank. Because of the timing, the payoff funds were sent to XXXX  XXXX XXXX. The funds were then forwarded by XXXX XXXX XXXX to Flagstar. However, Flagstar is unable to locate the payoff funds and claims they are lost. 

Here is a detailed timeline of events : XX/XX/2021 Refinance closing documents signed XX/XX/2021 Servicing of the old loan ( the one being paid off by the refinance ) was transferred to Flagstar Bank. 

XX/XX/2021 Refinance recission period ended and loan was funded. Settlement company, Title365, wired payoff funds to XXXX XXXX XXXX. Wire transfer amount : {$440000.00}. Wire transfer ID : XXXX. Wire transfer confirmation number : XXXX. 
Note that the payoff statement provided by XXXX XXXX XXXX was good through XX/XX/2021. 

XX/XX/2021 XXXX XXXX XXXX forwarded payoff funds to Flagstar Bank. Wire transfer amount : {$440000.00}. Wire transfer ID : XXXX. Wire transfer confirmation number : XXXX. 

XX/XX/2021 Contacted Flagstar Bank by phone. Customer representative created a " lost funds '' report ( ticket number XXXX ). At this time, I had not yet obtained the wire transfer ID and confirmation number from The Money Source, so I only provided the date and amount of the wire transfer to the Flagstar representative. 

XX/XX/2021 Flagstar closed the " lost funds '' report saying they could not locate the funds. 

XX/XX/2021 Received the detailed wire transfer information from XXXX XXXX XXXX over the phone. Contacted Flagstar Bank by phone again and created a new " lost funds '' report ( ticket number XXXX ). This time I was able to provide the detailed wire transfer information to the Flagstar representative. 

XX/XX/2021 Contacted Flagstar Bank by phone again. Customer representative again said they could not locate the payoff funds. It is unclear if they are still looking for them and if the " lost funds '' report has been 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 explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I received a letter from certain " XXXX XXXX XXXX XXXX '' stating that I owe money on an account I never had. The letter dated XX/XX/2021 with Ref # XXXX and Settlement Amt : {$320000.00}. Also stating in the mail that several attempts have been made to contact me over the years which I have not received any mail in the past.

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 2021-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Chime Financial Inc
State: MO

Complaint narrative:
I use chime, and when my taxes or stimulus comes in I have to send them a copy of my tax form and photo is to verify Im the rightful owner. This usually takes a day but am told up to 48 hours. Saturday at XXXX ct they emailed me asking for the documents and I responded an hour later providing the documents. Its now Wednesday afternoon and after emails and calls no one will answer me or give a status update.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax continues to report information that is erroneous as well as harass, annoy, discriminately put information that is has no accuracy, intimate me. And/or use credit score models that are not correct and/or reflect my creditworthiness. Causing suffering and damage 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Account was closed through the Capital One website on XX/XX/2021, the account was closed with a XXXX balance. The account should report to the credit bureaus as " account closed by consumer ''. Further, Capital One owes me a refund for the security deposit in which they held on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: PNC Bank N.A.
State: MD

Complaint narrative:
Hi there, I recently was issued a refund of {$250.00} to a debit card that isnt active anymore due to the account being closed. I called the PNC Bank and they would not tell me if the money was sent to them. They also kept saying that when the money is refunded to a closed account they would send it back to the issuer. They never sent it back to the issuer. I contacted the issuer and they confirmed that it was sent to the inactive debit card. The bank will not help me at this point and is giving me the run around about where my money had gone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 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 — Problem with personal statement of dispute
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I made a payment on time, but the Ally bank reported that I was late with my payments. And they reported me late for several months. After I called them multiple times they corrected that information and told me they will tell the credit reporting agencies that I was not late on my payments. But a month later they send me a letter again saying I was late 30 days. For some reason they are not able to find the payment I made through XXXX XXXX XXXX XXXX. The payment posted on my bank statement on XX/XX/2019, but I made that payment before that. I am attaching my bank statement showing highlighted 1st payment. Please help me. This is already going on for a year. Its damaging my credit score.

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 2021-03-17 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XX/XX/XXXXlists two installment loan amounts on my credit report ( {$410.00} & {$770.00} ). Both loan amounts were given via pre-paid debit cards in XX/XX/XXXX. The amounts were subsequently disputed in XX/XX/XXXX. Both amounts were XXXX XXXX out after the disputes, which I confirmed via a phone representative at XXXX  on XX/XX/XXXX. Therefore the balance of the loans was XXXX, and I no longer owed anything. This information was confirmed via email and phone with Affirm. However, both amounts show that in XX/XX/XXXX, there was a 30-day late payment which is incorrect. Secondly, the other months XXXX XXXX, and XX/XX/XXXX-XX/XX/XXXX, show that the payments were on time. Both of these reports are incorrect, because the loans were both XX/XX/XXXX out/cancelled due to the disputes, and there was aXX/XX/XXXX balance. But XXXX  continued to report that there was a balance, AND on-time/late payments. In other words, monthly payments were still reported as being on time, despite the balance being XXXX. There is a third installment loan of {$40.00} on my credit report from XXXX. This amount was also given via a pre-paid debit card. However this amount was fully refunded by the merchant, which I have confirmed with the merchant. XX/XX/XXXX continued to report this amount as current and past due on my account, until charging it off in XX/XX/XXXX. This account was incorrectly charged off, and there was a XXXX balance. The screenshots I have attached show I owed XXXX, and I have paid XXXX, as the loan amounts were either disputed and then refunded, or refunded directly by the merchant. The other screenshots show how XX/XX/XXXX has incorrectly reported these balances on my credit report. These incorrect marks on my credit report violate several FCRA statues which are : not providing notice of furnishing negative information FCRA 623 ( a ) ( 7 ) ( A ) ( i ), and it would be in violation of FCRA 623 ( a ) ( 1 ) ( B ) if this information continues to be reported. It also violates FCRA 623 ( a ) ( 5 ) ( A ) which states the date of delinquency must be *correctly* reported to the CRA within 90 days. There are 0 sections that prohibit deletion.

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 2021-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
XX/XX/2020 I opened a Citibank account online so I could access a XXXX payment of XXXX $ from a friend and cash out XXXX $ from a XXXX XXXX. I mistakenly tried to send a wire twice which resulted in a block on my account. I didn't think this was a huge issue but when I called they refused to tell me how to unblock my account as instructions had been sent in a " letter ''. I explained that the " letter '' had been sent to the wrong address. They refused to send another stating " we only send one ''. I called again after some digging online to find out what that letter may have said and explained that if my identity verification was all that was needed, I'd be happy to send that document but they refused to say what secondary documents may be needed. They said the account had been moved to closure and verifying my ID wouldn't help, it was over, nothing they could do. The remaining balance would be sent to my address after closure in about 30-60 days. 
Months later, the account was still open. I requested it be closed or that find a reasonable way for me to verify my identity to remove the block so I could access funds ( I live 12 hours away from a branch ) they said they would move it to be closed immediately. 
First week of XXXX I had an appointment with a personal banker who assured me the account would be closed within days and funds sent to the address on file. No further action needed. 
But then last week I was distraught to find the account was still open and still blocked. I called several times before I was connected to a very rude " specialist '' who said that even if they closed the account, the money would be held by them indefinitely because it had not been " verified '' meaning I had not ( or as she said " the account holder '' ) proved the money was mine before opening the account. That in order to verify the money belonged to account holder, I'd have to contact employers, friends, XXXX or anyone that had given me money to start the account. I had no idea what she meant, I have never heard of having to verify that money is mine before using it to open an account? She refused to explain further and lied staying that I'd be given a call at a later date. 
As of now the money ( about XXXX $ ) is still sitting in this blocked account. I've been promised countless times that it would be refunded at account closure but they refuse to close the account even after 7 months of inactivity. I was told I have no recourse. They have ruined me.

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 2021-03-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
i mailed letters on XX/XX/2020 to XXXX transunion and XXXX about some errors and its been over 75 days and i havent heard nothing i even sent another letter not hearing back from them in order to get a response and that letter has been over 30 days since they received it back i sent certified mail and have the delivery receipts to prove that they received my letters this has to be some sort of violation with the FCRA

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 2021-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: MA

Complaint narrative:
Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.

Company response to consumer: Closed with explanation