vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
ALL ( 3 ) " CRA '' REPORTING INCORRECT OUTDATED SINCE 2013 AND " PACER '' DATA OF ACCOUNT NOT MINES ... .. CHXXXX BANKRUPTCY ID # XXXX AND DUPLICATED OF VARIOUS OTHER ACCOUNTS REPORTED UNDER THE SAME AS BANKRUPTCY ... ID FRAUD ACCOUNTS " : BANKRUPTCY XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX , XXXX XXXX , XXXX XXXX, XXXX/ XXXX, XXXX XXXX/ XXXX, XXXX XXXX '' .. REMOVE ALL FRAUD ACCOUNTS FROM CREDIT FILE ASAP.

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 2020-11-11 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: EQUIFAX, INC.
State: CA

Complaint narrative:
ALL ( 3 ) " CRA '' REPORTING INCORRECT OUTDATED SINCE 2013 AND " PACER '' DATA OF ACCOUNT NOT MINES ... .. CHXXXX BANKRUPTCY ID # XXXX AND DUPLICATED OF VARIOUS OTHER ACCOUNTS REPORTED UNDER THE SAME AS BANKRUPTCY ... ID FRAUD ACCOUNTS " : BANKRUPTCY CHXXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX , XXXX XXXX , XXXX XXXX, XXXX/ XXXX, XXXX XXXX XXXX, XXXX XXXX '' .. REMOVE ALL FRAUD ACCOUNTS FROM CREDIT FILE ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
This is in regard to an original complaint which was filed earlier. Please see complaint no XXXX. 

City Thank You card was still not reporting my credit usage to the three major credit bureau despite their assertion that they will correct their error, and report my credit usage. 

This has become a burden to a consumer like me, dealing with this Bank that deliberately and negligently uses their power to limit a persons ability to do anything such as purchasing a home. They caused me a lot of harm despite my being a credit worthiness by paying and obtaining a credit use even as an authorized user. I provided all my info such as SSN upon request, but they still did not do anything! 

I request CFPB to provide a clear action instead of just closing the complaint, based on the company input. I also request CFPB to provide me counsel to litigate this matter henceforth.

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 2020-11-11 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: PA

Complaint narrative:
I had reported an issue of Unauthorized Transactions about 3 months ago. This issue has been fully investigated, resolved and closed completed by a month ago. However my account has been locked for well over 2 full months. 
I have done everything asked of me as far as providing ID verification. All of my info has been received and processed and logged since XX/XX/XXXX. No one can give me any explanation as to why my account is still.locked. I call repeatedly. Only to be given a new date of when my account will be unlocked. Only to call in again with yet another story!!! And false time frame. What a joke! I wait for hours on hold. Supposedly numerous tickets have been submitted on my behalf that according to US Bank must be answered in a certain time and none have been. Never have I dealt with such a totally incompetent and unprofessional company. 
I've also sent proof of hardship. To no avail. Here we are sending copies of licenses. SS cards. Tax forms etc. And to who really? For all we know this could be a complete and total scam for identity fraud. They could be the real culprits. Please investigate immediately. Also no phone numbers are provided for where you are to fax the ID verification docs.

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 2020-11-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I got quoted at 5 % interest by a representative at NFCU for my car loan for a new car. I stressed to them that Im new to this and have no idea how the process goes and asked that nothing will change over the course of me buying the car they reassured me. 

( I also work out the numbers in front of the rep for the payments and she sits there and doesnt tell me about how the interest is ROLLING interest. Had no idea what that was until after I called to complain about my insanely high interest rate. ) So I go and but the car, the dealership continued to finalize the deal with my bank ( Navy Federal Credit XXXX  ) and Im not sure if it was the dealership or NFCU, but someone withheld information. I get home with the car and about a week and a half later I see a notification in my bank app saying Im sitting on 12 % interest. 

I called and asked why they said the car isnt new Yet I wasnt told what qualifies a car as new, I ask to have the number brought down to a reasonable percentage and they decline. I tell them Im looking for a house and this is making it hard for me to even consider them for that loan then all of a sudden they can do something about the loan. Theyll give me a better rate. At that point I knew something was up. They were running my pockets to bring their company back on its feet after covid hit by giving me false hope. I confirmed it when I went and ran the loan calculator with my cars vin number on their website. It came up to 6 %. The car already started depreciating and I knew Ive already been down a couple thousands on top of closing fees and insurances i bought for the car. it would have been a huge waste of money if I just brought it back. I need help. Its just crazy how my credit score of XXXX points shy of XXXX landed me in a 12 % interest pool.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
My loan was transferred to Shellpoint Mortgage Services in XXXX of 2020. As of XX/XX/2020 the loan was paid in full and all loan requirements were satisfied to release lien and title. In order to transfer the property to real property from a mobile home, DMV ( Department of Motor Vehicles ) requires the original title or original release of lien to be provided. After contacting Shellpoint Mortgage reoccuring weekly since XX/XX/2020 to provide ORIGINAL release of lien or title I have still not received. Shellpoint mortgage has since operated like a predatory lender and violates their policy to send original copies of requested documents within 90 days. 

My wife lost her job due to COVID and we have been trying to sell the property since XXXX for some financial relief and Shellpoint continues to delay this information and handles the situation very laxed with no regard for doing their part.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: AR

Complaint narrative:
I opened an account with chime in XXXX of 2020 period at the time I was living in XXXX and had to provide proof of residence as well as a copy of my XXXX driver 's license which I did. I have been using the account since XXXX lost my debit card one time even and had to get a replacement sent to me. Around the XXXX  of XXXX I started receiving my unemployment benefits from XXXX  that comes to my XXXX account direct deposit noted regular unemployment for XXXX XXXX which is the name the account is in. the end of XXXX I had to come to XXXX and was going to be out here for a few weeks maybe a month or so I called chime to ask if I should change my address they advise me yes I should. I changed my address and did very next day chime froze my account with every XXXX of money I had in it. I provided the same day the account was closed all the information that they wanted and spoke with a manager who advised me yes they had everything and that I should have got a warning before they close the account as well as when they close the account but at that time I had received nothing. The very next day I did receive something from chime saying that they closed my account and said why and with a list of stuff they needed I proceeded to call spoke with another supervisor this time and was advised everything was in there that that was automatic replied that my account should be open in 24 to 48 hours I waited the 48 hours still nothing I called back was advised they didn't have anything and was told that I was lying that I had not seen anything and was hung up on I called back and got a manager and the manager found the stuff I had and said that they did need a copy of the picture of me holding my ID which I provided to him as we were on the phone and verified with him that he received it fast forward same story 24 to 48 hours I should have my account back keep in mind I can't claim my unemployment for these time either because there's no account for it to go into and they've got every XXXX I have so fast forward till today I get an email saying that they close my account because it was not in compliance because I was getting unemployment from XXXX  and living in Arkansas even though I started getting my unemployment in XXXX  and I provided proof where I was working in XXXX  and moved to XXXX  temporarily but I can't get unemployment in XXXX  because I worked in XXXX so since then has they've been dragging me on I have lost my place to live I am now XXXX I have no money and I've lost sight in my right eye because I could not get the medicine needed to get the XXXX out of it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 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: Collection Bureau of America Ltd.
State: FL

Complaint narrative:
COLLECTION BUREAU OF A Original creditor : XXXX XXXX XXXX XXXX XXXX - Balance updated XX/XX/2019 This Account was Apid in full, yet it still shows on my credit report as in collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This is an additional complaint to my open complaint against Bank of America. 
Recently after I advised the bank of my complaint with ( CFPD ) your office. And it being 90 days of my unresolved claims the bank closed my claims So that they would be within the federal guidelines 90 day policy in which to resolve my claims. Its a false claim on their part and its cheating the system .They wanted to show that the claims were resolved within the 90 day time frame. However, the claims have not been resolved and because I have not been given the chance to submit my evidence to them. Furthermore, they have stated that I have until the XXXX of this month to submit my evidence even though it shows these claims closed. It is now the XXXX and I have not received the merchants response or the documentation of signatures and swipe records or any records from the bank. BofA has stated that they sent them to me on the XXXX but I have not received them as of yet. I spoke to their claims dept and they advised me that they were going to email this documentation out to me yesterday but I have not received it. They closed the case only to show that they handled my claims within the 90 day process which they did not and they are running down the clock on the dead line to turn in my statement which I have to wait until I receive the document from the merchant. And everyday that goes by without receiving these documents I have less time to prepare my statement by the deadline of the XXXX. Its not fair and Its being done intentionally.

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 2020-11-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: OH

Complaint narrative:
On approximately XXXX XXXX I applied for an FHA Mortgage with XXXX XXXX Itold them everything and sent all my documents to them. I told the loan officer that I was self employed he insisted that I was a W-2 employee. I do receive a w-2 because I am a XXXX  employee Box XXXX  is marked on my w-2 that says that. And what that means is they can deduct social security and XXXX  tax.Well everything was approved and they wait unil the last week that we are suppose to close on the loan and asked for paperwork which I gave them. They were under contract to close XX/XX/2020. I received closing disclosures and signed them. 24 hours before we are to close on the loan they can not get employment verfication well of course not because i am an independent contactor which I told them in the beginning.Long story short i didnt get the house, my real estate lost a sale, and the owner has to relist his house.Also their closing costs are way too high {$12000.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-11 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: MS

Complaint narrative:
Transunion, XXXX  and XXXX  is reporting inaccurate information on my credit. They are reporting inaccurate dates of last activity and re-age dates. FCRA section 605 ( C ) Running of the reporting period, Creditors, Collection agencies and Bureaus, if they try and RE-AGE your account, byupdating the date of last activity on your credit report in hopes of keepingnegative information on your account longer, they can be fined {$1000.00} for EACH account. On a collection account the date of last activity should reflect the last date a payment was made to that company, it is also a violation to reporting inaccurate information.

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 2020-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had made an agreement with Bank of America on XX/XX/2020 for the amount of {$850.00} on a debt of {$1800.00}. When trying to make this payment of {$850.00} on XX/XX/2020 and my card kept getting decline. I have no idea why this happen when there was enough funds in my account to cover the {$850.00}. Bank of America now is asking for more money in the amount of {$1100.00}. This is their mistake so why am I having to pay more money on an agreement we already settle on? 

Is this their policy to make a agreement then say my card was decline and tell me a few days later I owe more money? I feel lied to and feel that I'm bein scam out of money.

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 2020-11-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: TN

Complaint narrative:
My husband passed XX/XX/2020 from a terminal illness that was aggravated by Covid-19. I sent Mr. Cooper a request for mortgage assistance to lower the 2nd mortgage payment because I have lost his income. Mr. Cooper has sent my mortgage to and Attorney for the delinquent. Mr Cooper has been unwilling to assist me with lowering my mortgage payment. There is a 1st and 2nd mortgage on my home and I'm on a fixed incomed. Please Help I don't want to lose my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 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: NJ

Complaint narrative:
XX/XX/XXXX I sent in a dispute letter to XXXX XXXX XXXX and all 3 credit bureaus and didn't receive a response in over 35 days. On XX/XX/XXXX I sent a second dispute letter to XXXX XXXX XXXX and Equifax credit bureau regarding a collection/charge-off that was opened in XXXX. Equifax is still the only credit bureau listed on my credit report while XXXX and XXXX has since deleted this collection/charge-off from my report the first time around. It is well over 30 days again and the account still has hasn't been updated or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA

Complaint narrative:
I recieved a letter from Bank of America on XX/XX/20 stating that my account was being closed due to inactivity, utilization of credit being too high, and current or past delinquencies with one or more of my creditors. I had a XXXX line on this credit card. I checked my credit report and it shows NO delinquencies. I also tried to utilize my BOA card last week and it was declined. They have now made my credit utilization score even worse by removing XXXX in available credit from the calculation. I am extremely upset as I work hard as a single mom to try and keep my finances in check. This is a huge blow to my credit.

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 2020-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear XXXX/TransUnion/ XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
See Attachment accounts : I appreciate your prompt attention to this matter, and await your reply.

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 2020-11-11 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: GA

Complaint narrative:
I've previously made two payments in the amount of {$450.00}, however I find an interest rate of XXXX  % too extreme. I know this is a { 12 } month short term loan, but I find that this rate is extremely high. XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear Experian/XXXX/ XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
See Attachment accounts : I appreciate your prompt attention to this matter, and await your reply.

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 2020-11-11 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: GA

Complaint narrative:
EQUIFAX suddenly resurfaced a very old long closed bank account with XXXX XXXX XXXX XXXX XXXX XXXX  on my credit report and and made my credit standing drop a few points. This account was closed 12 years ago in XXXX. In XXXX, XXXX EQUIFAX started reporting it as a revolving account that currently closed and in the process lowered my score. 
I do not understand why an account that closed more than 12 years ago which is way past the 10 years limit for delinquent information would suddenly appear on my EQUIFAX credit report.

Company response to consumer: Closed with explanation