vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I have been a loyal customer of Bank of America for a long period of time. Bank of America closed my business checking account on XX/XX/2020. The reason given was for a business decision. There was a large amount of funds in the account that is necessary to operate my business. Bank of America is illegally holding my money and stated that it will not be returned in a letter I received on XX/XX/2020. 

The funds that they are holding were dispersed to me from the Small Business Administration ( SBA ). I received a loan from the SBA that I must repay. By Bank of America not returning my funds to me, I can not run my business. I have no cash flow. If I can not run my business, I will not have money to repay my loan. I am extremely concerned why Bank of America closed my account, but I am more concerned that they are refusing to return my funds to me. This seems illegal and I request that these funds be returned to me immediately. I will gladly find another institution to bank with, but Bank of America has stolen my money and they need to return it.

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 2020-10-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXX placed a derogatory mark on my credit report on all four credit bureaus. See attached documents. Upon further research, this account is still being reported incorrectly. Even though, I dont believe that this account is mine, i paid it off to resolve the account as it was reporting on my credit reports. I have asked on numerous occasions that the credit line be updated to reflect the correct information in accordance with the FCRA law, but no  change has yet to done. According to the FCRA, XXXX XXXX XXXX, has violated my rights as a consumer and Im requesting legal action to remove this account immediately from all four of my credit reporting bureaus. I had to search for the records, and i have been successful in locating the factual data to make this claim actionable and creditable on my part. The earlier, claim was ignored with their remarks but no factual proof, however. I have included the records this  time, please assist me in this legal venture. As XXXX XXXX XXXX is engaging in illegal business practices, and they are doing it on purpose. I paid the collection even though I dont believe the account is mine on XX/XX/XXXX, yet when I review my credit bureau reports and the information is still not accurate and they are intentional giving me the brush off and reporting the account incorrectly on purpose. I have asked on numerous occasions that the credit line be corrected, as this is a direct opposition to the FCRA and I want it fix on all four of the  credit bureau reports, the XXXX XXXX XXXX is reporting the credit line as if i just made the payment in XX/XX/XXXX which is not actual nor factual. As I believe they will continue on with this business unethical business practice unless a stand is made. The attached records will support my statement above and my previous statements against XXXX XXXX XXXX, as i had stated earlier in my first complaint. Thank you for your assistance in this matter, as it is greatly appreciated.

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 2020-10-12 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: NC

Complaint narrative:
Equifax failed to properly investigate and fix an error on my credit report. I contacted the company on 3 separate occasions beginning on XX/XX/2020 providing verification of inaccurate information and each time they failed to investigate and fix the error within a timely manner. The confirmation numbers are as follows : XXXX, XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CT

Complaint narrative:
Our mortgage co overcharged us for escrow which was part of our 2009 modification. I have submitted several times to you which provided documents on the escrow overcharge. I read where cfpb found Saxon and ocwen guilty of escrow overcharges. Why didnt they take our problem as part of their findings

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 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: NY

Complaint narrative:
Hello my name is XXXX XXXX and I decided to file a complaint against Equifax because they have not deleted the fraudulent information that I have requested them to remove. 

They have sent me a dispute result wherein is stated that the information disputed was successfully deleted but it is not reflecting on my report. There is also a variation of a social security number on my credit report which I have no idea where it is from and I'd like them to correct it before I get more problems regarding my finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 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: VA

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXX placed a derogatory mark on my credit report on all four credit bureaus. See attached documents. Upon further research, this account is still being reported incorrectly. Even though, I dont believe that this account is mine, i paid it off to resolve the account as it was reporting on my credit reports. I have asked on numerous occasions that the credit line be updated to reflect the correct information in accordance with the FCRA law, but no change has yet to done. According to the FCRA, XXXX XXXX XXXX, has violated my rights as a consumer and Im requesting legal action to remove this account immediately from all four of my credit reporting bureaus. 

I had to search for the records, and i have been successful in locating the factual data to make this claim actionable and creditable on my part. The earlier, claim was ignored with their remarks but no factual proof, however. I have included the records this time, please assist me in this legal venture. As XXXX XXXX XXXX is engaging in illegal business practices, and they are doing it on purpose. 

I paid the collection even though I dont believe the account is mine on XX/XX/XXXX, yet when I review my credit bureau reports and the information is still not accurate and they are intentional giving me the brush off and reporting the account incorrectly on purpose. I have asked on numerous occasions that the credit line be corrected, as this is a direct opposition to the FCRA and I want it fix on all four of the credit bureau reports, the XXXX XXXX XXXX is reporting the credit line as if i just made the payment in XX/XX/XXXX which is not actual nor factual. As I believe they will continue on with this business unethical business practice unless a stand is made. 

The attached records will support my statement above and my previous statements against XXXX XXXX XXXX, as i had stated earlier in my first complaint. 

Thank you for your assistance in this matter, as it is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NC

Complaint narrative:
I secured a line of credit on XX/XX/XXXX, in the total amount of {$26000.00} .On XX/XX/XXXX I filed chapter XXXX bankruptcy and received relief on or about XX/XX/XXXX. I was later relieved of my employment about XX/XX/XXXX. I notified the appropriate parties of my inability to make timely payments ... until I could regain employment. Shortly after that, the creditor stopped billing me for the account. All this occurred around the time of the financial upset of XXXX. Some time later I attempted to contact the creditor and was told by the then parent company that the account could not be located. I put it aside until in XX/XX/XXXX when I then put my house on the market for sale. After a title search, it was discovered that the " deed of trust '', for that loan, was still in place. On XX/XX/XXXX, I then contacted the parent company and was again told that the account could not be located. I then proceeded to request a " release of lien '' and was told that after submitting the requested info, it would take a approximately 30 days for an answer. About XX/XX/XXXX I received another request for more info, of which my attorney either submitted or did not have access to. He then requested a balance due or the release of the lien. There has been no communication since that time. The contract for sale of the property had to be dissolved due to my inability to deliver a clear title and am now unable to put the property on market for sale for that same reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: VT

Complaint narrative:
I made a number of extra payments to pay off one of my loans in full inXX/XX/2020. These payments were supposed to be allocated specifically to my loan with the smallest balance. Nelnet told me that they were being allocated to the loan that I wanted to pay off. On XX/XX/XXXX, my account showed a XXXX  balance for principle, accrued interest, and capitalized interest as well as showing " Paid in Full by Borrower ''. In XXXX, I noticed that the loan had come back and had a balance showing on the principal. I called back and they said that the payments just needed to be reallocated and it would be taken care of. They sent me a letter showing that the loan was paid in full. I assumed this meant that I didn't need to continue monitoring for that loan. Around XX/XX/XXXX, I noticed that there was a {$42.00} balance showing for the loan that I had already essential closed out twice. I called Nelnet and they said that I owed the {$42.00} and that the letters had been sent in error. I called back twice more and was told that I needed to call back on XX/XX/XXXX and speak to the Account Solutions Team because they were the only department that could really close out the loan that I have paid in full. I called back and requested to speak with the account solutions team. I was instead transferred to a general studentaid.gov phone number and couldn't actually speak to a person. I called back and spoke with a representative who told me I couldn't speak with the Account Solutions Team because they really only deal with refunds. She told me that she would have to file a payment reallocation form and that it would actually work this time. I told her that I had already done this twice and it hasn't worked yet. I just want the loan that I paid off to actually indicate that I have paid it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CMI Group, Inc.
State: KS

Complaint narrative:
In XXXX I closed an account with XXXX/XXXX  XXXX. At the time, I paid off all money owed on the account and it showed a {$0.00} balance. The account was closed. I later confirmed through my online portal that the account was closed and had a {$0.00} balance. 

After being contacted by the agency, I confirmed with XXXX/XXXX  XXXX through their support department that I had properly closed the account, had owed no balance, and still owed no balance. I also confirmed that they had not attempted to contact me about any past-due balance. 

The Company says they verified the debt with XXXX XXXX, but provided no documentation of such.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-12 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:
After carefully reviewing XXXX   XXXX  XXXX this was opened by my ex-wife and sent to her XXXX XXXX this was not opened by and is not my debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 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: BMW Financial Services NA, LLC
State: NC

Complaint narrative:
In XX/XX/2020 I reach out to the creditor ( BMW Financial Services ) reporting incorrect credit report information to the three agencies The creditor failed to investigate and refused to remove the incurrent information in a letter date XX/XX/2020 ( see attached )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I submitted several disputes related to erroneous items on my credit report. I contacted both credit reporting agencies ( Transunion, XXXX, and XXXX  ) in addition to the creditors as seen on the letters. I am requesting the assistance of the Consumer Financial Protection Bureau. The required timeframe for investigation is between 30 to 45 day. The credit reporting agencies have exceeded the timeframe by law and these items need to be removed from my credit report immediately as it is hinderance in applying for new credit, housing, etc.

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 2020-10-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: IL

Complaint narrative:
XX/XX/2020 {$1300.00} I went to receive money that my uncle XXXX XXXX sent me for my back payment on rent and the rent for the month of XXXX. I need this money today because my leasing company has been super patient and gave me a deadline to turn the money in. I need this funds to be released. I a full-time XXXX   XXXX and Im not from Texas so me getting removed from my residency and getting an eviction under my name is not a good thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 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: AZ

Complaint narrative:
On XX/XX/2020 I mailed in a dispute to Experian regarding a collection on my account from XXXX XXXX XXXX on XX/XX/2020 experian complete their investigation and sent a copy of my credit report stating completed investigation of FCRA dispute consumer disagrees iteam was updated. On XX/XX/2020 I mailed in a letter requesting experians method of verification wich Is my right under FCRA 611 asking for all information provided by the creditor to be forwarded to me received a post card in the mail on XX/XX/2020 I received a copy of my credit report stating this iteam was updated from the process of your dispute on XX/XX/2020 I mailed in a letter requesting method of verification one last time I asked for names, telephone number, a copy of legal documents bearing my signature showing I have a binding contract with the XXXX XXXX XXXX   agreeing to the exact amount claimed. In XX/XX/2020 I received a copy of my credit report they updated the balance from {$820.00} to {$1000.00} after the iteam has been on my credit file for over 5 years I have never received any information as requested from experian wich I have the right to under FCRA 611 experian is not doing their job and investigating my disputes properly this is not the only account that includes false information regarding experian at this point experian is making up stuff I have been personally affected by experians negligence to properly verify information on my credit file I have lost out on numerous job housing and credit opportunities experian needs to be held accountable.

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 2020-10-12 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 — Investigation took more than 30 days
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2020-10-12 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I submitted several disputes related to erroneous items on my credit report. I contacted both credit reporting agencies ( XXXX, Equifax, and XXXX ) in addition to the creditors as seen on the letters. I am requesting the assistance of the Consumer Financial Protection Bureau. The required timeframe for investigation is between 30 to 45 day. The credit reporting agencies have exceeded the timeframe by law and these items need to be removed from my credit report immediately as it is hinderance in applying for new credit, housing, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I submitted several disputes related to erroneous items on my credit report. I contacted both credit reporting agencies ( XXXX XXXX, and Experian ) in addition to the creditors as seen on the letters. I am requesting the assistance of the Consumer Financial Protection Bureau. The required timeframe for investigation is between 30 to 45 day. The credit reporting agencies have exceeded the timeframe by law and these items need to be removed from my credit report immediately as it is hinderance in applying for new credit, housing, etc.

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 2020-10-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Zip Co US Inc.
State: FL

Complaint narrative:
On, XX/XX/2020, I ordered a sheet set from XXXX XXXX and agreed to pay with Quadpay, four equal payments of {$39.00} scheduled every two weeks. On XX/XX/XXXX, XXXX after making two payments, I emailed XXXX for status on shipment. They replied the order had not shipped. I requested to cancel my order and XXXX   emailed me proof of cancellation due to non shipment the same day. I also notified Quadpay on XX/XX/2020 by email of my cancelled order, with a screeshot of the cancellation from XXXX and asked when I would receive my refund. Quadpay said it should take 3-5 day but sometimes up to 13 days. I emailed Quadpay again on  XX/XX/2020 of no refund and they replied they would have to look into the matter because they did not see the cancellation. I resent the proof of cancellation and told them I was also receiving notifications of payment due on the cancelled order. They respond they will look into it. I now have late fees, loan default and they have not cancelled my account or refunded my payments. Quadpay does not answer the phone and I get the same standard message of how long it takes and we will look into it every time I email to communicate my grievances.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with monetary relief