vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-12 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:
On XX/XX/23, I received a package from XXXX 's that was delivered to my apartment building and left by the mailbox. The courier sent me an alert with a photo via email of the package in my building. When I returned home from work that day, which was approximately 2 hours after delivery, the package was nowhere to be found. I filed a claim with XXXX 's regarding the package being most likely stolen, and so they issued me a refund for the amount plus the shipping I paid. However, I was then informed that they couldn't actually issue me a refund when I called back to tell them the refund had not appeared on my card. The full refund would have amount to {$330.00}. 

I was informed by a representative that the person who clearly stole my package had brought it back to the store it was ordered from, and had exchanged it for XXXX perfume. So since XXXX 's " technically '' issued " me '' a refund or exchange, they claimed they could not issue ME the actual refund which is why I needed to take it up with my credit card. 

I received correspondence from my credit card with Bank of America which was used for the purchase saying that they issued me the credit while an investigation was done with XXXX XXXX. 

Around XX/XX/23, I received another letter from BoA saying that the claim was denied in the end and that the credit would be reversed back into a charge on my card. The reasoning behind the denial of the claim was " that the merchandise was available and delivered to the agreed upon location. '' BoA told me they are not responsible for the charge and that XXXX XXXX is also not willing to issue me the refund. 

However, I feel I should not be responsible for paying this amount due to the fact that I never actually got the package, and the fact that XXXX 's actually got the merchandise back.

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 2023-08-12 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
On XX/XX/2023 someone used my USAA card to buy from XXXX for a total of {$160.00}. After reporting the fraudulent purchase to USAA. The bank refused to refund the amount ; deeming it a legitimate purchase despite the fact that the purchase was sent to another person ( which I do not know ) to the address in a different state.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Advanced Collection Bureau, Inc.
State: PA

Complaint narrative:
Advanced Collection Bureau suddenly appeared on my credit report around XX/XX/XXXX for almost {$5000.00} collection because my ex girlfriend apparently passed away. Now they are saying I owe for her rent. I actually never received anything in the mail from them, just what is on my report. I haven't live with my ex since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
In XX/XX/XXXX I received a letter from Mr. Cooper stating there were delinquent supplemental property taxes due on my property and Mr. Cooper planned to take funds from my escrow account to settle the delinquency. I immediately contacted the Tax assessor for my county and was informed that I was current on all of my taxes, but the PREVIOUS OWNER of the home had a delinquent supplemental tax bill and it was in no way my responsibility. I took my time to conference call the tax assessor and Mr. Cooper to have the tax assessor explain to Mr. Cooper that the taxes due were not my responsibility. I was told by a Mr. Cooper representative that they would do an investigation and confirm the responsibility of the taxes due and get back to me. I was also assured by Mr. Cooper representatives that " numerous letters and correspondences will be sent before we take any money out of your escrow account. '' One week later I received another call from someone at Mr. Cooper telling me they had paid the delinquent taxes out of my escrow account and my payment would be increasing as a result. I asked about the investigation and the agent had no idea what I was talking about, so I asked to speak to their manager and was disconnected. I spent 2 weeks trying to contact ANYONE at Mr. Cooper who could assist me with getting my {$3000.00} back and was told nothing could be done " everyone has to pay their taxes ''. Finally I spoke to someone who told me he would get the situation resolved on XX/XX/XXXX. I have since spoken to the Tax Auditor for XXXX XXXX XXXX who confirmed that the taxes were not my responsibility and that they would be sending Mr. Cooper a refund for the taxes paid inaccurate out of my escrow account. I have attempted to contact Mr. Cooper numerous times to find out when I will see my payment go back down and what compensation will be considered for stealing my money to pay someone else 's taxes. I have not received any response from Mr. Cooper, nor has my payment been reduced back to it's normal amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that those charges be removed. 

I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file. 

I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge.

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 2023-08-12 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: FL

Complaint narrative:
I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that those charges be removed. 

I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file. 

I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: ME

Complaint narrative:
I have a J Crew credit card through comenity. Earlier this year, after paying off the balance, a low dollar interest charge racked up months in fees- without notice- and I did not notice until my credit score was dinged.

Now, unaware that I had a balance ( zero emails, texts, calls, mail ), I have found out I am late again - only to find out after reporting to the credit bureau.

I have worked very hard and have a perfect payment record except for this unnecessary blemish and am devastated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I live in Illinois, which has a seven-year status limitation for reporting bad debt. I asked Transunion and XXXX to remove the expired debt, and they refused. I also asked them to verify the debt was mine before it expired ; they didn't do that either. However, now the bad debt has expired, and it needs to be removed from my credit 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 2023-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
In accordance with the fair credit reporting act this creditor ( jpcmb ) has violated my rights under 15 usc 1681 section 602. States I have the right to privacy.. 15 usc 1681 section 604A section2. It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 usc 1666B a creditor must not treat a payment on a credit card account as late on a open end credit card account for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Transunion and XXXX continue to report inaccurate information that is causing me harm. 

Transunion is reporting late payments for XXXX and XXXX while XXXX is reporting late payments in XXXX and XXXX. 

This is not accurate and is causing me to be denied for credit which is my right granted to me. Reporting agencies are required to maintain 100 % accuracy. 

XXXX  Account XXXX XXXX XXXX  Transunion XX/XX/2020 XXXX XXXX XXXXXXXX XX/XX/2020 XX/XX/2020 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 2023-08-12 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I opened a Bank of America home equity line of credit in XXXX for the amount of {$12000.00}. I have been paying on this loan for almost 20 years, it still shows that I have a balance of almost {$4000.00}. Today, XX/XX/XXXX, I checked my credit report and looked under closed accounts and saw that the Bank of America account was closed in XXXX. However, I never received any notification or documentation of changes to my account. Last month, on XX/XX/XXXX, I logged onto my account to make a payment of {$100.00}. I tried to login today and I received a message saying they were unable to process my request because there are no eligible accounts associated with my ID, even though I did not change anything. So, it is clear that something has gone on with my account that I am not aware of, and I have been making payments for all these years. Also, the fact that I still owe this amount of money after close to 20 years of payment, is ridiculous!

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 2023-08-12 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXXdays. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Transunion and XXXX continue to report inaccurate information that is causing me harm. 

Transunion is reporting late payments for XXXX and XXXX while XXXX is reporting late payments in XXXX and XXXX. 

This is not accurate and is causing me to be denied for credit which is my right granted to me. Reporting agencies are required to maintain 100 % accuracy. 

XXXX Account XXXX XXXX XXXX  Transunion 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 2023-08-12 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: IL

Complaint narrative:
XXXX and Equifax continue to report inaccurate information that is causing me harm. 

XXXX is reporting late payments for XXXX and XXXX while Equifax is reporting late payments in XXXX and XXXX. 

This is not accurate and is causing me to be denied for credit which is my right granted to me. Reporting agencies are required to maintain 100 % accuracy. 

XXXX Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-12 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: HI

Complaint narrative:
XX/XX/XXXX, XXXX : Unlawfully funded auto Loans. 
XX/XX/XXXX, XXXXReport filed on Company Disputes/Phone contacts to company on reporting wrongfully on my Credit profile With all three Credit Bureau 's, and reach out about action of reporting and no change. 
These reports of dispute were filled started XXXX. It started during COVID time. And at the time state of CA stated no credit issue would damage my credit profile due to due to COVID-19. I also filed a hardship which the company told me it wouldn't hurt my credit report in any kind of way. And they lied and put on my credit report negative 30 days & 60 days late. Which in return destroy my credit profile. I had to pay more in fees, and was declined in loans and declined in purchasing a home. This as been a ongoing battles that must be fix asap. I also have file with other companies too. There has been unlawfulness and violations of FCRA also the FDCPA, TILA.

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 2023-08-12 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: EQUIFAX, INC.
State: HI

Complaint narrative:
XX/XX/XXXX, XXXXIssue : Unlawfully funded auto Loans. 
XX/XX/XXXX, XXXXReport filed on Company Disputes/Phone contacts to company on reporting wrongfully on my Credit profile With all three Credit Bureau 's, and reach out about action of reporting and no change. 
These reports of dispute were filled started XXXX. It started during COVID time. And at the time state of CA stated no credit issue would damage my credit profile due to due to COVID-19. I also filed a hardship which the company told me it wouldn't hurt my credit report in any kind of way. And they lied and put on my credit report negative 30 days & 60 days late. Which in return destroy my credit profile. I had to pay more in fees, and was declined in loans and declined in purchasing a home. This as been a ongoing battles that must be fix asap. I also have file with other companies too. There has been unlawfulness and violations of FCRA also the FDCPA, TILA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-12 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: HI

Complaint narrative:
XX/XX/XXXX, XXXXIssue : Unlawfully funded auto Loans. 
XX/XX/XXXX, XXXXReport filed on Company Disputes/Phone contacts to company on reporting wrongfully on my Credit profile With all three Credit Bureau 's, and reach out about action of reporting and no change. 
These reports of dispute were filled started XXXX. It started during COVID time. And at the time state of CA stated no credit issue would damage my credit profile due to due to COVID-19. I also filed a hardship which the company told me it wouldn't hurt my credit report in any kind of way. And they lied and put on my credit report negative 30 days & 60 days late. Which in return destroy my credit profile. I had to pay more in fees, and was declined in loans and declined in purchasing a home. This as been a ongoing battles that must be fix asap. I also have file with other companies too. There has been unlawfulness and violations of FCRA also the FDCPA, TILA.

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 2023-08-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: OH

Complaint narrative:
Over {$10000.00} was transfered from my XXXX XXXX checking account to my Chime ( XXXXXXXX XXXX XXXX. and/or XXXXXXXX XXXX XXXX XXXXXXXX. XXXX checking account many months ago successfully. Since then when I attempt to transfer less than {$1000.00} or {$2000.00}, no transfer often fails to occur. Chime states that a transfer has been completed ( for three days-four days ). However, XXXX XXXX XXXX  customer service state that no transfer attempts are seen in the record. 

I need the {$10000.00} in my XXXX XXXX checking account for XXXX XXXXXXXX XXXX  staff can obtain foreign currency for me- for an upcoming trip. 

Thank you. 
XXXX XXXX XXXX, XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12 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: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/XXXX or XXXX, 2023, I was doing my " weekly checks '' on my credit cards and saw the erroneous charge against my credit card in the amount of {$4800.00} from XXXX XXXX in XXXX area. 

My card was in my drawer at home. I first called XXXXXXXX XXXX but to no avail. 

I then called my bank, ( one of MANY times ) through the course of my calls, I was put on hold, hung up on, given false names of the people I was talking to, and once I was even given a " made up '' claim number. 

Two days ago I did get to still another person that actually gave me " another '' claim number and told me that someone would be contacting me, but they could NOT send me an email concerning my interaction during this call. 

TWO days later, STILL NO call ( s ) and still NO notation on my online account that this amount was in dispute. 

PLEASE help me! It has been 10 to 11 days since I first reported this to my credit union, and still no respect to their account holder. 

Their motto is " We NEVER forget that it is YOUR money '' - Obviously, in this case, they have!

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 2023-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Credit Glory LLC
State: LA

Complaint narrative:
XX/XX/2023, I Was Trying To Dispute Collections From My Credit Report With Credit Glory, I Paid {$270.00} For The First Month In Which They Said I Had A 90 Day Money Back If I Wasnt Satisfied. Its Been 90 Days And Nothing Has Change Within My Credit Report. I Called About 5 Times For A Refund. They Keep Saying The Person That Handles A Refund Isnt Available. So I Went Online To Look At Reviews And Everyone Has Said Its A Scam.

Company response to consumer: Closed with monetary relief