vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Citibank - 0 % interest promotional rate expired on XX/XX/XXXX. {$7900.00} promotional rate balance " moved to standard purchase '' interest rate on XX/XX/XXXX, with 16.99 % interest rate. Standard purchase balance was {$0.00} prior to XXXX. Payment of {$8300.00} made on XXXX should have been applied to " standard purchase '' balance of {$7900.00} after minimum payment amount due of {$220.00}, in accordance with Citibank 's own policies, which state : " Each month 's minimum payment due is applied in the following order : 1. Past due amounts ( if applicable ) 2. Current interest charges 3. Principle balances in Annual Percentage Rate ( APR ) order from lowest to highest. 

Please note that payment amounts greater than the minimum due are applied to balances with higher APRs before balances with lower rates. '' I contacted Citibank on XXXX via chat, then was transferred to a supervisor via telephone. After extreme resistance, they admitted that XXXX, the date of the payment, is indeed after XXXX, the date they moved the promotional balance to the highest interest rate in my account. They advised me that they would " make adjustments '' in accordance with their policies. 

I then received a letter from Citibank dated XX/XX/XXXX that they were " unable to apply your payment as requested, '' EVEN THOUGH THAT WAS A VIOLATION OF THEIR OWN POLICIES AND CONSUMER PROTECTION LAWS. 

As a result, I am now paying 16.99 % interest on a large balance, and they incorrectly paid off a 1.99 % promotional rate through XX/XX/XXXX on a balance of {$3700.00} on the XX/XX/XXXX statement, terminating that rate on XX/XX/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 2021-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: MA

Complaint narrative:
On XX/XX/2021, I wired XXXX US to the XXXX XXXX XXXX XXXX BB & T Bank ( XXXX XXXX XXXX XXXX, XXXX, GA XXXX. Acct number XXXX in the name of XXXX XXXX XXXX ) for the purchase of a boat. 
I soon realized that I was scammed and asked BB & T to return the money. I also asked my bank XXXX to ask for the money back. 
To date BB & T has refused to reimburse the money to me or to XXXX. They have also declined to pursue the owners of the account which was used for the scam. 

XXXX has rolled over and accepted this outcome. 
Attached are the details of the scammer 's account. I would also like to add that I remained in touch with one of the scammers and begged the XXXX to track the owner of the scammer 's email account. I had no acknowledgment that this was done.

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 2021-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: FL

Complaint narrative:
I tried to open a checking account and it would not let me because of the security freeze. Please remove it so the check system will allow me to open up the account. I have provided a copy of my driver 's license and social security to verify my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
Our loan was sold from XXXX XXXX to Rushmore Loan Management Services around XXXX. We have always been on automatic payment draft for years and the payment was drafted automatically from our checking account. For some reason as soon as Rushmore Loan Management Services took over the loan ; the automatic payment draft dropped off and they stopped taking the payment out of our account. From XX/XX/XXXX through XX/XX/XXXX we had many various medical emergencies and were under the impression that the payment was taken out automatically without delays. Come to find out in XX/XX/XXXX that they have not drafted the payment since XX/XX/XXXX and they have destroyed and damaged our credit with a 90 day late. We brought the payment up to current status immediately as soon as we found out and have tried to appeal to Rushmore Loan management Services in regards their late payment reporting which is not our own fault. Our complaints fell into deaf ears and Rushmore is not willing to do anything for us to fix their error. We have had our loans in the past sold to various companies and have never had this issue. The automatic payment has always continued to occur upon the transfer of the mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Summit Financial Corp.
State: FL

Complaint narrative:
Summit Finiancial is a NONE DEBT REPORTING AGENCY, as listed with the government. They are NOT suppose to be reporting on my credit report. Two of the credit bureau have removed them from my report for that reason. XXXX  has refused to do so which is causing my score to be lowered. I HAVE SINCE PAID THIS DEBT OFF WITH THE THIRD PARTY COMPANY, XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX, ( XXXX ) XXXX, and Summit STILL will not remove the debt from XXXX. This Attorney even said Summit isn't suppose to report debt, and he can't remove it for me.

Company response to consumer: Untimely response
Consumer complaint received 2021-04-13 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: BMW Financial Services NA, LLC
State: GA

Complaint narrative:
i have 2 Late Payment With 2018 XXXX XXXX Account since Covid 19. 

no i do not have late payment but i still see a 2 late payment on history also made a late fees. 

and currently account is up to date

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Trans Union crediting bureau is giving me a bad credit rating stating that I have delinquent accounts. I do not know what account that I have is delinquent. They are also saying that I have to many open accounts. The accounts that are open do not have a balance or I faithfully make the payments and on time. The other two credit reporting agencies always give me an excellent credit rating. I do not understand why Trans Union keeps giving these incorrect reports.

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 2021-04-13 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
i have 2 Late Payment With 2018 XXXX XXXX Account since Covid XXXX. 

no i do not have late payment but i still see a 2 late payment on history also made a late fees. 

and currently account is up to date

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 2021-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I tried to open a bank account and she informed me there was a security freeze. I have provided a copy of my driver 's license and ss card for identity verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I tried to open a bank account and she informed me there was a security freeze. I have provided a copy of my driver 's license and ss card for identity verification.

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 2021-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hello, I did not consent to, authorize nor benefit from any of the following inquiries on my credit report. Block and Remove I am also attaching a copy of my FTC report that I filed as well for Identity theft.

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 2021-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Hello, I did not consent to, authorize nor benefit from any of the following inquiries on my credit report. Block and Remove I am also attaching a copy of my FTC report that I filed as well for Identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 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: NC

Complaint narrative:
Equifax has not written to me with the results of investigation about account- I've disputed for well over 6 months. 
I called Equifax and still using telephone hold on switching back and forth with me to different people. 
My credit score and employment opportunity has been harshly affected. 
Equifax also violated my FCRA Rights and I was included in the Breach Settlement when I typed in my Social. Security number but haven't received any monetary or 10 years of free credit monitoring or 7 years of free identify restoration services or 6 free Equifax Credit Reports during a 12 month period.

On my credit report with notification I am a Victim of Identity Theft with my police report faxed to Equifax .Federal Cares Act stated that because of the pandemic that credit bureaus must not report the negative items that hurt my buying power while I contacted my debtors as Federal Law stated I do. Therefore, I went beyond that I'm doing a lot to keep the certain bills I made to pay them on time. 
This Credit Bureau Equifax has not been delivered to me any results of several disputes of this same Alledged XXXX debt after 30 days. While still using deceptive practices and removing this error while been investigated and deleting this error off permanently.

This has caused me to loose jobs, contracts, board seats and financing because of Equifax 's non- transparency to immediately remove this item from my credit report. 
The hurt it has caused my good name before and especially during this Pandemic is more than anyone must bare. Equifax refused to remove this only negatively harmful item maliciously and willfully denying my credit rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 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: TX

Complaint narrative:
I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
I have wrong names and addresses that do not belong to me. 
There are late payments and other accounts that are reported late and charged off that are not true. 
I see an account that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 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: NY

Complaint narrative:
There are 5 accounts on my credit report that are not mine they do not belong to me I have not signed used or approved for these accounts this is clearly identity theft and I need this taken care of asap. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : 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 2021-04-13 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:
There are 5 accounts on my credit report that are not mine they do not belong to me I have not signed used or approved for these accounts this is clearly identity theft and I need this taken care of asap. 

Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX SVCS  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
There are 5 accounts on my credit report that are not mine they do not belong to me I have not signed used or approved for these accounts this is clearly identity theft and I need this taken care of asap. 

Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : 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 2021-04-13 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: PA

Complaint narrative:
on XXXX-2021 i sent Equifax a cerified mail to dispute the inaccuracies on my credit report, its been over 30 days and they have not responded to my request. Under the FCRA they are required to respond in 30 days, and they failed to do so. I am extremely stressed and sad they violated my consumer rights. I want these inaccurate, unverifiable accounts to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I file documentation last XXXX2021 for those inaccurate and unknown accounts I found on my credit report that must be removed. Or I will file a litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Equifax was notified XX/XX/2020 that the date of birth on their credit report was inaccurate. I have sent in all supporting documents and the issue remains. I now want Equifax to disclose who/ where supplied this information? As I can not get it corrected with a drivers license, passport, SS card, utility bill etc. I want to know who managed to change this with equifax? They are by law to disclose where/ who is the defining source of this information. I have requested this several times. I sent a copy of the equifax report, ( attached to this message ), circled the error so there can be no mistake as to my question on inaccurate information. To date equifax has refused to answer this. They do ask for a 5th time a copy of my drivers license. Sent via certified mail 3 times. 

This complaint is solely on who supplied the inaccurate information that equifax is believing. Show me their proof as someone had to go to extreme lengths to do this ... .as I can not, and I am legitimate. So disclose the source of this information. Who is reporting this? What documents does equifax have that changed my date of birth after 60 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
This is a very confusing situation so I will do my best to summarize it. On XX/XX/XXXX I made 2 checking account transfers from my Bank of America checking account to my XXXX checking account, each for {$800.00}. The first transfer went through and the second transfer vanished. Meaning {$1600.00}. was withdrawn from BofA but only {$800.00} ever made it to XXXX. I have been going around in circles with BofA for months now and getting wrong information and the run around. They have stated that because I authorized the transfers ( which I did ) that they will not reimburse me for the missing money. I was originally told from BofA that this was a duplicate transfer so that we should proceed as such effectively canceling one of the transfers. I have trace numbers, bank statements, etc. They have also admitted they do not know where the second transfer went but stated it's not the banks fault. XXXX number # XXXX is the one that apparently no one can find. 
Originally when I called them they said wait a few days just in case. I called back a few days later and they helped me to file a claim ( XXXX ) however we didn't know if it was the first transaction or the second one that did not go through, so when we filed the claim BofA just took the {$800.00} back from XXXX on XX/XX/XXXX and called it a Misc. Credit Adjustment. This was my money to begin with and not a favor from BofA. XXXX called it a funds transfer return and charged me a {$5.00} fee. I called back again after I realized this and BofA opened another claim ( XXXX ) and issued a temporary credit adjustment for {$800.00} on XX/XX/XXXX while they looked into the matter. That adjustment has since been taken back by BofA because they do not know where the money went. I have written 2 statements and faxed BofA my bank records from XXXX showing that only {$800.00} ever made it and the second transfer vanished. Just that info alone should be enough to realize that {$800.00} just vanished and because they don't know where it went is not my problem. All the other info BofA is stating about authorizations, etc. is irrelevant is they do not know where the money went. Again they have trace numbers and records of both accounts but somehow this is not their problem.

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 2021-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I file documentation last XXXX for those inaccurate and unknown accounts I found on my credit report that must be removed. Or I will file a litigation.

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 2021-04-13 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: TN

Complaint narrative:
SOMEONE USED MY CREDIT TO BUY STUFF WITHOUT ME KNOWING

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 2021-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have been trying to fund my brokerage with XXXX however the bank is not allowing me to transfer available and verified funds and has blocked the use of my Atm Debit card as well as ACH transfers to this company.

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 2021-04-13 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: MI

Complaint narrative:
Sent several certified letters to verify accounts that supposedly belong to them and they came back stating they investigated them but they couldnt have because none of these companies have not sent verification documentation to me. However, they did state they will not investigate anymore after I submitted certified proof. I feel like they have not done their job and violated my rights. The credit company nor the collection companies.

Company response to consumer: Closed with explanation