vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
In spite of absolutely NO negative activity on my credit reports and maintaining excellent repayment of my debts, I found my credit scores on Transunion and XXXX dropped from approximately XXXX to XXXX for Transunion and XXXX for XXXX with no explination available. I have looked through all the factors impacting my credit on the websites and found no reason for this negative action on their behalf. 
I started this year with incredibly expensive dental bills totalling {$10000.00} that I put on credit and have been paying. This should not be an indicator that I'm no longer a good risk when I have been paying in good faith! In fact, XXXX decided that I'm so responsible that they recently raised my limit from {$17000.00} to {$22000.00}. 
XXXX is still showing a XXXX credit score as of XX/XX/2022 with a FICO score XXXX of XXXX. 
I have no way through their websites to request an investigation into this.

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 2022-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
In spite of absolutely NO negative activity on my credit reports and maintaining excellent repayment of my debts, I found my credit scores on XXXX and Equifax dropped from approximately XXXX to XXXX for XXXX and XXXX for Equifax with no explination available. I have looked through all the factors impacting my credit on the websites and found no reason for this negative action on their behalf. 
I started this year with incredibly expensive dental bills totalling {$10000.00} that I put on credit and have been paying. This should not be an indicator that I'm no longer a good risk when I have been paying in good faith! In fact, XXXX decided that I'm so responsible that they recently raised my limit from {$17000.00} to {$22000.00}. 
XXXX is still showing a XXXX credit score as of XX/XX/2022 with a FICO score XXXX of XXXX. 
I have no way through their websites to request an investigation into this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act CXXXX : accounts XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXept of EdXXXX XXXX XXXX US Dept of EdXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A states i have the right to privacy / 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-19 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  : accounts XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, US Dept of EdXXXX XXXX XXXX US Dept of EdXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A states i have the right to privacy / 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I have repeatedly tried to pay this card off and have met resistance over and over again. Capital One has not one time complied with their agreements made with me including payments. I originally applied for this card due to their loyalty program regarding in time payments for 6 months and due to their reluctance in accepting payments and complying with terms agreed upon within the contract and personal agreements between myself and their associates I was kicked out and now I have accrued late fees, return payment fees, and interest that should not have been added. I finally got fed up and closed my account and that was when the real trouble began. 

Several times my payments were not recorded due to Capital One refusing to process payments an/or claiming they never received them even when I proved through receipts, bank statements, and/or copy of money orders. Most recently we both agreed to a XXXX XXXXXXXX payment to be processed on Tuesdays and they have changed it to Wednesdays without my knowledge or consent. Two weeks ago on the XXXX of XXXX this agreement was made and a {$25.00} payment was made that day which was processed on the same day and taken out of my account the following day. Last Tuesday a payment was not processed so I called Thursday, the XXXX, and that was when I found out the payment date was changed to Wednesdays and that the process takes 3 days. Today makes the XXXX day and still no payment process Yesterday, the XXXX, I called to cancel weekly payments and the payment from last week still had not been processed. I am sick and tired of the laziness of this company that is destroying my credit and has been for almost 2 years. This is not the first time I have had this issue with them. They have done this exact same thing on the other card I had with them and I want this off my credit IMMEDIATELY!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/2022, I tried to pay down my mortgage from my XXXX XXXX account for the amount of {$19000.00}. Account had more than enough cash at that point to pay the payment, however, XXXX XXXX declined the transaction and issued a {$30.00} fee on the account. Then I waited couple weeks for second attempt to pay the same {$19000.00} on XX/XX/2022, and the exact same thing happened ( and again the account did have at least {$27000.00} in cash that should more than cover the withdrawal ). Now they have charged me total of {$60.00} of fees and the withdrawal remains unsuccessful.

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 2022-07-19 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: MO

Complaint narrative:
I have called Experian multiple times since XX/XX/2022 trying to get XXXX XXXX deleted from my report. I have also filed multiple disputes and they always come back certified as accurate. This last time on XX/XX/2022 ; I uploaded documents XXXX sent me which do not show that I have a legal obligation to pay this debt. It is not mine. They also did not provide all information they stated they had. Including a copy of my alleged drivers license that was used to secure the lease. I have received nothing showing i am responsible. Experian is giving me results within hours ( not even the full 30 days ), saying its valid. I do not feel they are properly investigating this dispute. XXXX and XXXX have both deleted it. I would also like the results of all of Experians investigations.

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 2022-07-19 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: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The TransUnion credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and remove from erroneous reporting in my file are listed on my credit report : 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 non-monetary relief
Consumer complaint received 2022-07-19 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:
The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-19 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Bright Capital Inc
State: TX

Complaint narrative:
When I first started using this account it was app based connected to a phone number. I open a XXXX ( I think they call it a loan ) and transferred money over to them. 
All was working great until I had an update to the app and I no longer had access to the XXXX. I can not make adjustments to the payment ( want to pay it off ) however they are still taking the minimum payment from me and charging me a {$9.00} service fee. Ive tried calling them weekly for the last month and only get a user busy notice. Ive emailed them multiple times over the last 2 months and the actually get someone to respond but the problem hasnt been resolved. Their chat service has completely ignored me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 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: CA

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Account passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

I recognize your quick regard for BLOCK or REMOVE these ADDRESSES, NAME, ACCOUNT and reaction inside 4 work days : XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 non-monetary relief
Consumer complaint received 2022-07-19 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: CA

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Account passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness.

I recognize your quick regard for BLOCK or REMOVE these ADDRESSES, NAME, ACCOUNT and reaction inside 4 work days : XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2022-07-19 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: NY

Complaint narrative:
I am filing a complaint against Bank of America, regarding a purchase made on my credit card. 
On XX/XX/2022, I had taken a cab from the XXXX XXXX ( XXXX XXXX XXXX, XXXX, XXXX ) to the XXXX XXXX ( XXXX XXXX XXXX, XXXX, XXXX ) to rent a car, and the cab fare was {$23.00}. I used my BOA credit card to pay for the fare, and later I found out the amount charged on my credit card was {$95.00} instead. 

Initially, I disputed the {$72.00} ( claim XXXX ), however, it was denied stating that I did not have the slip indicating the merchant charged the incorrect amount. However, how would it be possible to obtain a slip for an unauthorized transaction? I had included the receipts for the hotel and the rental car as proof. 

I appealed, spoke to the XXXX, and disputed the entire {$95.00} ( Claim XXXX ), as I was told that BOA can not credit part of the transaction. Once again, the claim was denied stating the same above-mentioned reason. 

By declining the claims without even investigating the claims, I believe BOA is only encouraging merchants to make unauthorized transactions like this. 
Thank you.

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 2022-07-19 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: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I opened a Victoria Secret XX/XX/XXXX and a New York and Company credit card account ( opened XX/XX/XXXX ) In XXXX of XXXX, a late fee was reported on my account on both credit cards for being late. I have never been late and I asked for these late payments to be removed from my credit reporting even though the accounts have been paid in full and closed. 

I have tried to dispute this from my XXXX, as well as sent a letters to both companies and lastly a letter to Comenity Bank but I have not been successful. My XXXX and XXXX shows I have never been late on this account, and I made that clear in my letter to XXXX as well as the company. I have not received any results from the letters I sent to the company over 60 days ago. My credit is important to me and I do not feel I should have to suffer from wrong reporting. I have sent multiple letters regarding this matter. This account has been closed since XX/XX/XXXX and paid in full. I take pride in making sure my accounts are made on time and I expect accurate reporting. This report is still affecting my credit and I would like both accounts be resolved as quickly as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit 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 2022-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I made an appointment at a bank of America branch after being paid for my vehicle to cash a check for {$8000.00}. The check was written on their bank, and I don't deal with a local bank at this time. They refused to cash it because I did not have an account with them and did not want to even see the ID I brought with me that included, drivers license, passport, and XXXXXXXX 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 2022-07-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: MI

Complaint narrative:
We recently purchased our home, XXXX XXXX XXXX, XXXX, XXXX  using Rocket Mortgage. My husband and I were led to believe during several conversations via phone and email with broker XXXX XXXX that after closing and making XXXX payments we could take the proceeds from the home we were selling and apply them to the XXXX XXXX XXXX for a recast of payments. We made our second payment XX/XX/XXXX XXXX XXXX  weekend ) so contacted Rocket XX/XX/XXXX to recast the mortgage. We were told we would be contacted within XXXX hours to proceed. After XXXX days we co reacted them again and are now being told it will likely be XXXX before we will see a reduction in our payment despite being told to send them our money now. This will result in over {$3000.00} addition in interest payments to Rocket. None of this was indicated by XXXX XXXX prior to closing. He indictated this would be an easy quick process. Had we been told we would be paying minimally 5 months of the large mortgage rate despite having the assets to pay on the principal we would never have gone this route. They are profiting by misleading their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 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: NJ

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit 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 non-monetary relief
Consumer complaint received 2022-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
This collection agency gave information to a family member that is not on the account in question. Also after I advised to stop calling me they continued to call in a harassingly manner sometime 5-6 times a day.

Company response to consumer: Closed with non-monetary relief