vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I made a mortgage payment by phone to Bank of America on XX/XX/XXXX, in the amount of {$1400.00}. The payment was during the grace period, not yet late until after XX/XX/XXXX. 
I received a notice from BofA that " Your check or electronic payment, dated or drafted on XX/XX/XXXX for {$1400.00}, was returned to us by your financial institution because No A/C - Unable to Locate. '' I have 3 Pay From accounts on my BofA account. 2 of them I have used regularly for the past 6 years. The 3rd account was closed 6 years ago - when I tried to get it removed from my BofA Pay From accounts, they said it couldn't be done. 
When I made my payment by phone on XX/XX/XXXX, I was not asked to provide a checking account and routing number. Therefore, my assumption is that BofA programming tried to take the money from my CLOSED account ( I called Customer service, waited more than an hour to speak to someone, and when I reached them they said they couldn't help me, again ). 
Because BofA 's site programming won't allow the removal of a closed checking account ( even though they ask you EVERY time to provide ALL of your personal information to make sure things are 'current ' ), they didn't receive th payment I set up in time to be before the late/deliquent date. 
BofA now has charged me a late pmt fee of {$51.00}. Also, their policy is to assess a {$40.00} return for non-payment fee. ( this has not appeared on my account yet, but the late pmt fee has ).

Again, because this is BofA 's programming problem and I complied with all requirements for a timely payment based on  options defined as acceptable by BofA - I should not be charged any late, delinquent, non-payment, or other fees! If BofA had removed my closed account when I'd asked ( repeatedly ), I don't think this would have happened, because only active and correct accounts would in my Pay From options on my BofA mortgage account. 
Please let me know what other information I can provide to you so you can work with BofA on my behalf to get the total {$91.00} fees removed ASAP from my account. My credit rating is important to me, and I don't want BofA 's problem to cause my rating to be damaged in any way ( nor do I want to pay for fees that are not due to my error ). 
Thank you very much!

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 2020-07-21 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX IS VIOLATING THE LAW BUY PRE REPORTING ACCOUNTS BEFIORE THE DUE DATE, AND INACCURATELY REPORTING MY CLOSED ACCOUNT 30 DAYS LATE PREMATURLY. THEY REPORTED I HAVE 11 LATE PAYMENT WHICH IS NOT TRUE.

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 2020-07-21 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX IS VIOLATING THE LAW BUY PRE REPORTING ACCOUNTS BEFIORE THE DUE DATE, AND INACCURATELY REPORTING MY CLOSED ACCOUNT 30 DAYS LATE PREMATURLY. THEY REPORTED I HAVE 11 LATE PAYMENT WHICH IS NOT TRUE.

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 2020-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
Hi my name is XXXX XXXX and I have two accounts with BB & T. I have a personal checking account and a joint account with my wife. About three weeks ago, I tried to log on my mobile banking app and it wasnt letting me to log on. It said access blocked. So I called the number they put on there which is attached with the files. The lady I spoke with on that Friday said that there was an ACH fraudulent activity on my personal account, that wasnt supposed to be paid to me and was paid to me and withdrawn from my account and thats why my account is blocked. So I told her that I dont remember any transaction like that on my account. Can I see my statement please? She was like no, BB & T have terminated our relationship and the account is under investigation and I dont have access to my personal account nor the joint account. If I want my statement, I have to go to the branch to get it. So after I got off the phone with the lady, I remembered that someone had broken into my car a couple of weeks before this problem. So I contacted the police officer that gave me a case number that night and she requested for a statement to make an investigation and I told her that I will go to the bank and get it for her. So the following Monday, I went to the bank. They all acted very confused. they told me they cant give me my statement as well, I need to call customer service to get my statements and I was like I was told to go to the bank to get my statements. So they kept playing me back and forth. I understand if they have to do their investigation but I need access to my funds not only my funds is frozen but my wife funds too. Theres no one to contact or call at the co operate making the investigation, according to who I spoke with on the phone. theres no information on when I can get access to my funds. All they keep saying is that they dont know. This is not fair at all, especially with this pandemic going on. Everyone is trying to manage every dollar they have and bills have to be paid. these people dont care about that. Someone please help 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 2020-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian REFUSES to remove an inaccurate Bankruptcy they keep reporting on my credit report even after being notified by XXXX XXXX that it was removed from their file. This is ILLEGAL!!! They were notified and sent letters pertaining to this matter on FOUR separate occasions, dated XX/XX/XXXX, XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XXXX! They were sent attached letter from XXXX XXXX, see attached! Experian had the temerity to come back and say they " investigated '' the evidence I submitted and alleges that XXXX XXXX  " verified '' info that they denounced on the attached letter sent to me from XXXX XXXX on behalf of CFPB. So i am confused, how did Experian " verify '' this Bankruptcy from a company who removed it due to it being inaccurate and illegally reported. Is XXXX XXXX lying about removing it from my file? Or is Experian lying about launching an investigation into my concern. Either way my rights under the FCRA/FDCPA CFPB MUST hold these companies accountable. These bureaus should not be able to lie and destroy consumers lives! THERE IS NOTHING TO " INVESTIGATE '' THE LETTER ATTACHED IS ALL YOU NEEDED TO SEE. REMOVE IMMEDIATELY BEFORE I SUE AND EXPOSE THESE ILLEGAL PRACTICES!

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 2020-07-21 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: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
AMERICAN HONDA FINANCE IS SHOWING LATE PAYMENTS I WAS NEVER LATE I ASKED FOR REMOVAL MULTIPLE TIMES. THERES 5 LKATE PAYMENTS BEING REPORTED THAT NEED TO BE REMOVED FROM ALL 3 BUREAUS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 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: National Credit Adjusters, LLC
State: OH

Complaint narrative:
National Credit Adjusters collection agency shared my credit report with XXXX XXXX. I do not know this gentleman nor did I ever give consent for my information to be shared.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
On XX/XX/XXXX I spoke with a XXXX XXXX representative asking some basic questions about a refi. Several months later I ran my annual free credit report and saw that there were 2 recent hard inquiries. When I asked Experian, they stated XXXX XXXX had run a credit report. Experian reached out to XXXX XXXX, they stated that in my conversation with them I gave the Mortgage Banker the necessary information to review my credit. 

I did no such thing! I know what my credit score is, there is no way during the initial phone call would I give a level entry person my information and authorization to run a hard credit check on 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 2020-07-22 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: NV

Complaint narrative:
These are not my accounts. Please remove them.

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 2020-07-22 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: NV

Complaint narrative:
These are not my accounts. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian REFUSES to remove an inaccurate Bankruptcy they keep reporting on my credit report even after being notified by XXXX XXXX that it was removed from their file. This is ILLEGAL!!! They were notified and sent letters pertaining to this matter on FOUR separate occasions, dated XX/XX/XXXX, XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XXXX! They were sent attached letter from XXXX XXXX, see attached! Experian had the temerity to come back and say they " investigated '' the evidence I submitted and alleges that Lexis Nexis " verified '' info that they denounced on the attached letter sent to me from XXXX XXXX on behalf of CFPB. So i am confused, how did Experian " verify '' this Bankruptcy  from a company who removed it due to it being inaccurate and illegally reported. Is XXXX XXXX lying about removing it from my file? Or is Experian lying about launching an investigation into my concern. Either way my rights under the FCRA/FDCPA CFPB MUST hold these companies accountable. These bureaus should not be able to lie and destroy consumers lives!

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 2020-07-22 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX IS SHOWING LATE PAYMENTS I WAS NEVER LATE I ASKED FOR REMOVAL MULTIPLE TIMES. THERES XXXX LKATE PAYMENTS BEING REPORTED THAT NEED TO BE REMOVED FROM ALL XXXX BUREAUS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX IS SHOWING LATE PAYMENTS I WAS NEVER LATE I ASKED FOR REMOVAL MULTIPLE TIMES. THERES XXXX LKATE PAYMENTS BEING REPORTED THAT NEED TO BE REMOVED FROM ALL XXXX BUREAUS.

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 2020-07-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL

Complaint narrative:
I made some mistakes about filling disputes which were made by mistake. USAA has my checking account under review for potential debit card disputes. This isn't true I had canceled most of the disputes that were made by mistake & I requested recent ones that were filed by mistake. Sometimes the bank got wrong transactions and disputed them. But I would like the dispute feature to be disabled on my account. So no disputes can be no longer filed on my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 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: NY

Complaint narrative:
XX/XX/XXXXXXXX  XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  NY XXXX For XXXXXXXX Experian & Attorney General/Consumer FinanceXXXX. 
RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of identity theft. These inaccurate accounts were established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts are listed below. 
You state that the information being sent was not sent by me, which I am the one writing this request and youre refusal to honor it is in direct violation of the law! 
XXXX XXXX XXXX  ACCT : XXXX AMT : {$760.00} XXXX XXXX XXXX XXXX : XXXX AMT : {$1600.00} XXXX XXXX XXXXXXXX. ACCT : XXXX AMT : {$100.00} XXXX XXXX XXXX XXXX   ACCT : XXXX AMT : {$7700.00} XXXX XXXX XXXX   ACCT : XXXX AMT : {$150.00} Also, the following unauthorized Credit Inquiries will be removed immediately without prejudice:XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXXXXXX  XXXX XXXXXXXX  XXXX   XX/XX/XXXXXXXX  You also have an inaccurate address listed, which will be removed immediately without prejudice : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX My current and most valid up to date address is : XXXX XXXX XXXX. XXXX XXXX NY XXXX. You are reporting inaccurate information that should be removed immediately. 

I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with XXXX  Ex, and XXXX via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from XXXX  XXXX  and Experian, However, XXXX ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. XXXX and Experian all seem to gloss over my request with pleasure. 
This is again a demand to remove and block such information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX 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 2020-07-22 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: GA

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX Company Inquiries : US SM BUS ADMIN ODA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 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:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my 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 explanation
Consumer complaint received 2020-07-22 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: NV

Complaint narrative:
These are not my accounts. Please remove them.

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 2020-07-22 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: GA

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX Company Inquiries : US SM BUS ADMIN 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 2020-07-22 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX Company Inquiries : US SM BUS ADMIN 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 2020-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2020, I made a purchase of over {$25000.00} at XXXX XXXX in XXXX, CA. I applied and was accepted for My Best Buy credit card which offered 10 % back in rewards on first day purchases for new My Best Buy Credit Cardmembers. I kept expecting a ~ {$2500.00} credit on my monthly statement, but have never received any credit. I have never received any information about this credit or rewards. I figured that it was probably due to the Covid-19 shutdowns and would visit the store after the shut down order was lifted in California. 

After the Best Buy store near me was opened, I went to make a purchase with my rewards and was notified that I had no rewards. I called the Best Buy Credit Card rewards department ( XXXX ) on XX/XX/2020 and was told that my rewards were used to purchase XXXX. I am XXXX years old and I don't do XXXX. Obviously, their system had been hacked and my account was wiped out of all rewards. The individual filed a report ( Case no. XXXX ) regarding fraudulently charged rewards. I never heard back. 

I called the rewards department again on XX/XX/2020. XXXX told me that {$2400.00} of rewards was used to purchase XXXX stuff and mailed to my home address in XXXX, California. Again, not only do I not do XXXX stuff, I never received anything at my address. If the hackers were smart enough to know how to hack into the Best Buy rewards department and use my account, they would be smart enough to know how to get the merchandise rerouted. 

Today, XX/XX/2020, I called the rewards department again and spoke with XXXX. He informed me that the case was closed and no further action was to be taken. I have never had any communication from Best Buy about this or anything. After some discussion, he reopened the case ( Case no. XXXX ). I am not hopeful.

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