vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
I had an account through Discount Tires that started XX/XX/2020. I had been using this card on a regular basis ever since and making regular, on time payments. I never had one late payment. During the XX/XX/XXXX weekend, I decided to check my credit card balances like I typically do and noticed I wasnt able to check my balance on my Synchrony card. I finally was able to regain access through their web site and saw they had just randomly closed my account. I called and chatted with 2 representatives and 1 said they verbally closed my account based on my credit score and what 3 credit bureau agencies reported. The other representative provided no valid information and chat just stopped working. They then charged {$95.00}, which randomly hiked my account balance above the limit. This has occurred twice within less then a year.To remedy this situation, they must, 1. Reopen my account. 2. Void both {$90.00} or so charges. If this does not happen, I will seek legal representation.

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 2021-07-10 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: LEXISNEXIS
State: OH

Complaint narrative:
LexisNexis removed a bankruptcy from my credit report with them that was properly handled by means of the FCRA laws. The bankruptcy was deleted on XX/XX/2021. I have the paperwork and have verified the deletion with the LexisNexis customer service ; however, my credit reports have not be updated and it's almost been 60 days, 58 days exactly as of today. They customer center representatives have not been helpful and claimed that they had ; file an additional dispute with another agency which is irrelevant. They claimed that they filed another dispute on XX/XX/2021 and did not properly explain why my credit report was not updated. The bankruptcy is preventing me from getting my student loans, caused me to be denied for several apartments, and period is hurting my credit. I have also provided additional paperwork to LexisNexis that they have not honored. I will included it in the documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America said they charged the account {$230.00} in fees because " the ... ACH debit was returned unpaid because your account had insufficient funds. '' The B of A claim ID for the claim I submitted for the wrongfully withdrawn funds and imposed fees is XXXX. B of A will now withdraw the {$230.00} in fees that were temporarily credited back to me, from the account again on XX/XX/2021. 

The problem is I did not authorize the ACH debits on that account and the wrongfully taken funds were therefore returned to the account by B of A ; at least for now. However, B of A insists on charging me fees because I did not have enough money in my account to pay the wrongfully withdrawn money! I should not be forced to pay fees because a third party wrongfully withdrew money from my account without my knowledge or permission.

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 2021-07-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SN SERVICING CORPORATION
State: GA

Complaint narrative:
I contacted SN SERVICING CORP in XX/XX/2021 after discovering the error concerning my Mortgage terms on the amount of years and the principal balance. 

I received the SN Servicing response on XX/XX/2021, SN Servicing agreed with my concerns and stated that their records indicated that my mortgage balance was {$74000.00}. 

However, when i requested a payoff up to XX/XX/2021, the customer service rep immediately got flustered and place me on hold for an extended period of Time, when she returned to the phone she stated my balance was over $ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
Unfortunately, I was a victim of fraud and identity theft and although I bank with Bank of America and have a Bank of America credit card, they were unable to provide me any assistance with the matter. 

For background, I am a mystery shopper working for a company called XXXX. I was a victim of fraud when someone posing as the mystery shopping company asked me to purchase 3 XXXX gift cards of a value of {$500.00} and have me send them the gift cards and rate my shopping experience as part of my duties. 

At first they made an {$1800.00} payment to my card which should have covered the gift cards and my reimbursement for the survey and experience report but that payment was canceled. Shortly therefore after, a payment of {$1500.00} was made to cover my expenses but that was canceled as well. I am now not only being charged for the gift cards which were part of the fraud but also for the two cancellation fees and late fees that incurred on my card. 

My bank has refused to do anything about the case even though I was a victim of identity theft and fell victim of a scam/fraud in which they stole the identity of the company I work for. Their website clearly states that they have a {$0.00} liability guarantee as long as fraud is reported promptly, which it was, yet they are telling me I am not covered. They need to resolve this matter immediately.

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 2021-07-10 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: EQUIFAX, INC.
State: TX

Complaint narrative:
This XXXX XXXX account needs to be removed for the fact it reports the account status 120 days late past due when the account is closed. This is an FCRA violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
LVNV Funding/Resurgent XXXX XXXX XXXX XXXX, SC XXXX Resurgent XXXX XXXX XXXX XXXX, MI XXXX LVNV Funding/ Resurgent Account Number : XXXX These are apparently the same company. They both filed two times on my credit report claiming I own " care. '' {$960.00} This action originally occurred in XX/XX/XXXX. They placed it with " collections ' on my credit report. They never complied with the law and validated any information and alleged debt with me. I continued to try and make contact with them via phone and via mail, with negative results. They will not communicate with me. In XX/XX/XXXX They placed this on my credit AGAIN via collections without my knowledge. They stated this account was opened in XXXX of XXXX. This is Clearly Not True. I have not opened any accounts for years. I am continuing tryin to make contact with both these " companies '' but fail every time. They will not communicate with me. When I asked them for validation, they never replied. They just took it upon themselves and placed it for collections on my credit report. This has been so frustrating to me. I have had all credit bureaus make contact with them and they claim these companies allegations were true. They are not. How can I fix this. They are making my credit report terrible and I do not owe what they are saying on my report. They are falsely claiming I opened this account in XX/XX/XXXX when originally they claim I opened this account XXXX. I need some help please. Thank you They are clearly scams to get money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 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: PENNYMAC LOAN SERVICES, LLC.
State: NC

Complaint narrative:
The mortgage company is reporting forclosure on my account in XXXX of XXXX and the house was sold and paid off in XXXX of XXXX. There was no forclosure on my property they tried to do a forclosure fraud in the home. They held up paperwork twice for two buyers so that we would go into forcloser. In XXXX i spoke with several employees from pennyman and i was told the forclosure was a mistake amd it would be taken off, so XXXX my wife and i go to start looking to buy a house and the forcloser appeared again on my credit report so i got back intouch with then amd was told again they would take it off amd did not. so i reached out to XXXX  amd was told to have them send a email stating that so i did amd was told that a fullfillment department would reach out to me to take care of the issue, come to find out there is no such thing as this department. so now im still battling with pennymac to have this removed this had caused alot of problems and issues with myself and my family as we are trying to purchase a new forever home. so my last step is to contact the consumer finance to help solve this problem and get this removed off my credit report thanks. again i was lied to for over 3 years now back amd forth from a major mortgage company which i read up on the XXXX  and there ratings are not good.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 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: TN

Complaint narrative:
On XX/XX/2021, I sent a letter to the credit bureaus about inaccuracies and unknown items on my credit report. I have yet to receive a response, even though it is now the 57th day, I feel as if I'm being used and that my concerns are being discarded. Failure to investigate these items within 30 days, as specified in Section 611 ( a ), is grounds for immediate removal of those items from my credit report. They should be removed as soon as possible because it has been over 30 days. I demand that these accounts be removed immediately, or I will pursue legal action as a result of the stress you have caused me. My information was also exposed to the Equifax data breach, and it may have ended up in the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I sent my rent payment of {$100.00} through CashApp. Landlord accepted payment but had never used the program before and did not intend to create an account. He wanted payment some other way. I sent a refund request, which he denied because he did not understand the app. He told me to send another refund request. CashApp prevents that. So I sent a payment request for the same amount. When he tried to process that through the app, he was prompted to enter his social security number, which he did not want to do because he did not want to create an account. CashApp FAQs and their customer service rep on the phone said that the landlord does not need to put in a social security number to send the funds back to me. I reached out to CashApp to see if they could manually reset the refund request ( so that I could send it again ) or refund my money themselves. They said that because the landlord accepted the payment, they will do nothing, despite the fact that the landlord does not have an account and has no intentions of creating one.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 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: National Credit Adjusters, LLC
State: IL

Complaint narrative:
Account # XXXX - National Credit Adjusters - On XX/XX/2021, I settled this account through National Credit Adjusters. The account was paid in full and is closed. The account is still open with XXXX, XXXX, & XXXX. Initially, NCA contacted all three bureaus, but a balance was reflected when it should have {$0.00}. I contacted XXXX, XXXX, XXXX  on XX/XX/XXXX of 2021, opened disputes, and sent the settlement letter from National Credit Adjusters and the XXXX XXXX reflecting that the amount was taken from my checking account. The balance was reduced to {$0.00}, but the letter reflects Paid In Full. The NCA has not informed the bureaus that this account is closed. I filed a 2nd Dispute with XXXX  on XXXX and will file again with XXXX  and XXXX  today. I would like for NCA to request removal of the collection. If they are unable to, I would like for NCA to inform all three bureaus that this account is closed. I fell behind in this account because I was laid off and lost my home in a fire. I am a single parent of XXXX children and I am unable to purchase a home for my family until this is resolved. I have attached the settlement letter from National Credit Adjusters, the XXXX XXXX reflecting that the amount was taken from my checking account, XXXX XXXX XXXX, and police report from the fire.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
My account at Bank of America on several occasions had money taken without my permission. On XX/XX/XXXX I filed a claim for {$2700.00}, on XX/XX/XXXX they put the money back into my account. On XX/XX/XXXX, after requesting to have my funds released I got the okay to go and get them. I go to a branch where I am greeted by a very unprofessional employee. The employee refused to give me my money and went so far as to have my account locked. I needed this money to pay my rent or I was going to be evicted, with XXXX kids and not s single place to take them. The next day I go to receive my money and again, after being told by more than one employee I could get my money, again they done the same thing. Because of Bank Of America I lost my home. My kids and I have been sleeping in a car for 4 days and still have nowhere to go.

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 2021-07-10 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:
Trans union consumer relations reported to XXXX XXXX false information which resulted in my credit limit being lowered!!!!!!!!! 

Trans union reported the following : 1. Lack of real estate secured loan information ( dont have real estate loan ) 2. Balances on accounts too high compared to credit limits and loans amounts ( I have the following credit accounts A. XXXX XXXX limit XXXX balance as of XX/XX/2021 {$160.00} B. XXXX  XXXX XXXX balance C. XXXX XXXX XXXX balance D. XXXX XXXX balance the credit account thats lowered is XXXX XXXX account paid in full because of the false information reported to XXXX XXXX  this account credit limit was lowered,,,, D too few accounts paid as agreed E. Too many delinquent or derogatory accounts!! 

These are all absolutely false and outrageous lies that are affecting my credit worthiness. 
Trans union needs to be held accountable with legal actions. 

Simply filing a complaint is not enough!!!!!!! 



New car loan opened XXXX. I am trying to rebuild my credit due to the fact that my credit was severely damaged by my ex significant other who stolen my information.. 

All of my credit cards are in excellent standing!!!!!!!! 
I have never miss a payment or been late. 

Its not fair the credit reporting agency are allowed to cause consumers unfair situations that negatively affect our struggles to rebuild our credit. 

When I contacted XXXX XXXX  I asked if they randomly decided to run my credit I was told NO!!!! They stated that trans union forwarded the information to the bank, I called trans union to ask whyre reporting false information regarding my credit?? 
XXXX ( agent who I spoke to was rude and stammering her words when I demanded answers she disconnected the call!!!! ) 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 2021-07-10 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: NC

Complaint narrative:
The mortgage company is reporting forclosure on my account in XXXX of XXXX and the house was sold and paid off in XXXX of XXXX. There was no forclosure on my property they tried to do a forclosure fraud in the home. They held up paperwork twice for two buyers so that we would go into forcloser. In XXXX i spoke with several employees from XXXX and i was told the forclosure was a mistake amd it would be taken off, so XXXX my wife and i go to start looking to buy a house and the forcloser appeared again on my credit report so i got back intouch with then amd was told again they would take it off amd did not. so i reached out to transunion amd was told to have them send a email stating that so i did amd was told that a fullfillment department would reach out to me to take care of the issue, come to find out there is no such thing as this department. so now im still battling with XXXX  to have this removed this had caused alot of problems and issues with myself and my family as we are trying to purchase a new forever home. so my last step is to contact the consumer finance to help solve this problem and get this removed off my credit report thanks. again i was lied to for over 3 years now back amd forth from a major mortgage company which i read up on the XXXX and there ratings are not good.

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 2021-07-10 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: LA

Complaint narrative:
I've been disputing my credit file with XXXX, Experian and XXXX  to correct the errors found on my credit file that they disseminate. The 3 credit reporting agencies have received my certified letters and have not corrected the inaccurate accounts listed in this complaint ... ..The 3 credit bureaus reports an inaccurate account that has not been investigated, nor a notice of dispute recorded, This is unlawful reporting! After a year of disputing the credit bureaus remain in non-compliance and blatantly records negatively, this is damaging to my credit score and report ... ..Moreover my open accounts Payment data history does not coincide on any accounts, XXXX  Last payment does not coincide with XXXX  payment data history, XXXX  does not report my monthly payments made in the historical payment data history on any of my accounts. This type of recording is negative and damaging to my credit score and report and is in violation.

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 2021-07-10 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: LA

Complaint narrative:
I've been disputing my credit file with Transunion, XXXX  and XXXX  to correct the errors found on my credit file that they disseminate. The 3 credit reporting agencies have received my certified letters and have not corrected the inaccurate accounts listed in this complaint ... ..The 3 credit bureaus reports an inaccurate account that has not been investigated, nor a notice of dispute recorded, This is unlawful reporting! After a year of disputing the credit bureaus remain in non-compliance and blatantly records negatively, this is damaging to my credit score and report ... ..Moreover my open accounts Payment data history does not coincide on any accounts, TransUnion Last payment does not coincide with TransUnion payment data history, XXXX  does not report my monthly payments made in the historical payment data history on any of my accounts. This type of recording is negative and damaging to my credit score and report and is in violation.

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 2021-07-10 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: LA

Complaint narrative:
I've been disputing my credit file with XXXX, XXXX  and Equifax to correct the errors found on my credit file that they disseminate. The 3 credit reporting agencies have received my certified letters and have not corrected the inaccurate accounts listed in this complaint ... ..The 3 credit bureaus reports an inaccurate account that has not been investigated, nor a notice of dispute recorded, This is unlawful reporting! After a year of disputing the credit bureaus remain in non-compliance and blatantly records negatively, this is damaging to my credit score and report ... ..Moreover my open accounts Payment data history does not coincide on any accounts, XXXX  Last payment does not coincide with XXXX  payment data history, Equifax does not report my monthly payments made in the historical payment data history on any of my accounts. This type of recording is negative and damaging to my credit score and report and is in violation.

Company response to consumer: Closed with explanation