vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-26 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: CA

Complaint narrative:
This issue relates to how Bank of America Fraud Department handled one specific fraudulent charge in my fraud claim. 
1. BofA did absolutely no follow up or due diligence on this specific fraudulent charge ... no request for a chargeback from the merchant, no call or query to the merchant. Yet during my calls with the bank several representatives stated that they had followed up with the merchant. That was untrue, something that became clear much later 2. Despite the complete lack of investigation or information, the bank denied my claim for this charge, twice 3. I personally spent many hours, 16 frustrating calls with long hold times to BofA, and several calls to the hotel to investigate on my own 4. I had to personally arrange for a phone meeting between myself, BofA, and the merchant general manager to break through BofA 's stonewalling and its broken business process 5. I also had to submit a formal complaint to BofA 's Chief Client Care Executive ( XXXX XXXX ), see website : https : //www.bankofamerica.com/customer-service/contact-us/feedback-form/ 6. 

Only after all of this did the bank finally agree that this charge was fraudulent and issue a credit. 

I've been a loyal BofA customer for over 40 years until now. This experience goes beyond betrayal. No more. If anything, the bank should pay me for the 15+ hours I spent doing the investigation that they should have done. 

It is an absolutely abusive practice to deny a claim for a fraudulent charge without any investigation for the specific 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 monetary relief
Consumer complaint received 2021-10-26 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: MA

Complaint narrative:
The following is the information regarding specific incorrect reporting on my credit report that I sent to each credit bureau. 

Dispute sent to XXXX XXXX Consumer Disclosure Center : 1. XXXX XXXX XXXX XXXX, MA XXXX is an old address that I no longer live at. My ONLY correct and current address is XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Please remove it from my credit report. 

2. XXXXXXXX XXXX XXXX XXXXXXXX - Late payment history listed for 3 months : XXXX, XXXX, XXXX, all of XXXX. 
This is incorrect. Please remove it from my credit report. 

3. Hard Inquiry - XXXX XXXX XXXX Date of Inquiry : XXXX. XXXX, XXXX This inquiry was not authorized. Please remove it from my credit report. 

4. Hard Inquiry - XXXX XXXX Date of Inquiry : XX/XX/XXXX This inquiry was not authorized. Please remove it from my credit report. 

5. Hard Inquiry - XXXX XXXX XXXX Date of inquiry : XXXX XXXX, XXXX This inquiry was not authorized. Please remove it from my credit report. 
_______________________________ Dispute sent to Equifax Disclosure Department : 1. Names Reported : HASSAYOU is what is listed and is the incorrect spelling of my first name. The correct spelling of my first name is XXXX. Please remove the incorrect name from my credit report and replace it with the correctly spelt name. 

2. XXXX XXXX XXXX XXXX, MA XXXX is an old address that I no longer live at. My ONLY correct and current address is XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Please remove it from my credit report. 

3. 4 Late or Missed Payments Listed On Account - XXXX XXXX XXXX Months listed of claimed missed payment : XXXX, XXXX, XXXX, and XXXX all in the year XXXX. Please remove it from my credit report. 

4. Hard Inquiry - XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized. Please remove it from my credit report. 

It has been over 30 days, and I have not heard back from either credit bureau. The items have not been removed from my credit report yet either.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Simon's Agency, Inc.
State: NY

Complaint narrative:
This is a 2-3 year old XXXX XXXX charge that has resulted in this colleciton of a measley {$100.00} I'm reaching out because this has been SETTLED for some time with this hospital yet this continues to show up on my credit report. 

XXXX XXXX XXXX addressed that the nurse mistook my information and noted I had symptoms for some while which was untrue - deeming this " XXXX '' and resulting in this charge. 

Please help to remove this collections charge as I have handled this time and time again over past months and attempted to dispute it already. Turning to you guys because I cant even get a *Pay for Deletion* letter from the Simons Agency Inc .

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have multiple fraudulent inquires on my account that I need removed. 

I have sent multiple dispute letters in to report the fraud. I have contacted the credit bureau as well as the creditors. 

The inquiries are : Capital one XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX  XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-26 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 — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
This is an unauthorized and fraudulent account which was opened without my consent as I never gave permission for this to be opened. I did not agree to any membership, loan or credit card. I never gave authority to open such account, my personal information had been used to process transactions and open an account without my consent. It is unauthorized and I have never given permission for it to open and charged. Please remove this account from my credit report, all of the inquiries, and block them from placing these fraudulent account on my credit. This is a scam & I was defrauded. This inaccurate account is being reported in my credit records and is hurting my financial stability. I am a victim of fraud and theft. I already requested for verification of this account and send out disputes but did not received any validation. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance, or obtain new lines of credit.

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 2021-10-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC
State: NC

Complaint narrative:
Im on XXXX and planet home lending gave me 2 forbearance. I had XXXX county paying my mortgage payment and when the forbearance came up The department refused to pay and now I have six payments late. My money was not in my control. The mortgage people knew this and this is in my name, but I had no say

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Chase will not provide us with a payoff anywhere near the amount that is actually owed on our mortgage loan taken out in XXXX and assigned to Chase in XXXX. Chase is the lien holder of record at the County where the property is located. Chase keeps stating to contact XXXX for a payoff or a release. We would like to see the assignment and/or servicing agreement that gives XXXX any rights to our mortgage. Our loan taken out in XXXX for {$140000.00}. In XXXX a mortgage in the amount of {$35000.00} was applied to this mortgage. We have on 2 different occasions this year requested the accounting of our loan from Chase. In which Chase still has not provided adequate accounting information to us. Chase filed a Complaint for Foreclosure in XXXX. This property was XXXX in a Chapter XXXX Bankruptcy and the property was surrendered by the Trustee of the Case in XXXX. Chase is stating the payoff is {$150000.00}. We have had the property up for sale and have a contract with the purchase price of {$180000.00}. We have hired an attorney to help negotiate payoff of {$95000.00}. Chase is refusing to negotiate any kind of fair and reasonable payoff.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nationwide Recovery Systems, Ltd
State: AZ

Complaint narrative:
On XX/XX/2021 I sent this company notice requesting verification of a debt that appeared on my consumer report indicating that I owed them money. It has been more than 5 days and this company has never provided me with any information as it pertains to this alleged debt. Seeking assistance in having this account removed from my consumer profile has it is harming my ability to secure credit products with a fraudulent account reporting. This company is violating a wide variety of federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FIRST ADVANTAGE CORPORATION
State: IN

Complaint narrative:
On the XXXX of XXXX First Advantage ran a background check on me and reported outdated information ( over 7 years old ) to my prospective employer, XXXX XXXX. 

In the copy of the report I received the search period was conducted from XX/XX/XXXX to XX/XX/XXXX. The case they reported was settled on XX/XX/XXXX and is currently going through the expungement process. Since this case was settled outside of the 7 year reporting period it should not have been sent to my employer. I have not had this charge show up on a background check for several years until now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Good evening. I had a credit card that I used that was mine an yes I use it often but one day I get a credit card that said XXXX  XXXX which I never applied for but I remember from my last marriage how my ex-wife knew about my personal information containing my social security number I called the company an told them it wasnt me who applied for the card an they couldnt do anything but bill me an now its very bad where its in collections an I dont know what to do can someone please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Aspen Yo LLC
State: FL

Complaint narrative:
I am in the process of refinancing my current mortgage, which is with a company named Gregory Funding. The new mortgage company had requested a 30 day payoff on 3 different occasions and on each of the last 2 occasions Gregory Funding sent the same mortgage payoff which expires in less than 30 days. When I called them to request a new payoff, I was told it would take up to 7 business days for the payoff to be generated. They also informed me that they would not be sending a new mortgage payoff until the original one expired. When I asked them who regulates your company I was told the same people who regulate mortgage servicing companies. They refused to tell me who regulates them, and only after asking for a supervisor and I informing him of the problem with the payoff request, and he informing me that they will send the same payoff even though a new 30 day payoff had been requested. That they would only send the original one until it has expired. I was told that they are regulated by RESPA, and he refused to tell me the agency name. This company placed me on hold and played a recording before they could talk to me about them being a collection agency, and a lot of information about bankruptcy. They sounded and treated me like a collection agency would very unprofessional and not like my Bank or any other Bank I have dealt with in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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: TX

Complaint narrative:
On XX/XX/2021, I sent a letter regarding several unknown and inaccurate items listed on my credit report. More than 60 days have past without a response and I feel that my request has been ignored. in Section 611 ( a ) of the FCRA, it clearly states that failure to investigate these items in 30-days requires them to delete the disputed items immediately. It has been a total of 67 days since my request was made and to date, no response. These items should be promptly deleted from my credit report. My information had been involved in the XXXX data breech and is most likely in the hands of the wrong people.

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 2021-10-26 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: PA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This company is currently showing 30 days late for the month of XX/XX/2020 and XX/XX/2020. I have read enough to understand my rights. The Bureaus are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
I have a Home Depot Credit Card and I logged in to pay my credit card and discovered over {$4000.00} interest charge. The interest charge as stated on my statement was to be 25.99 % of my balance which was {$2000.00} something at the time. I called to question this and they said the interest was actually 2 times this and for the original total balance which was {$8000.00}. This was never explained to me. How can you charge interest on something I had already mostly paid off?

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 2021-10-26 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: MD

Complaint narrative:
On XX/XX/2021, I sent a letter regarding unknown and inaccurate items listed on my credit report. To this date more than 90 days have past without a response and I feel that my request has been ignored. in Section 611 ( a ) of the FCRA, it clearly states that failure to investigate these items in 30-days requires them to delete the disputed items immediately. It has been a total of 110 days or more since my last request without any response. These items should be promptly deleted from my credit report. This is affecting my search for housing. My information had been involved in the Equifax data breech and is most likely in the hands of the wrong people.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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: PA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: NY

Complaint narrative:
Using my Home Depot Citibank credit card, XXXX To purchase lumber after receiving the lumber 12 days have come and gone the store refuses to I have someone pick it up because they use the COVID-19 as an excuse for not wanting to pick up the damage lumber. 
I had called the credit card to file they charge back they denied my charge back because theyre saying the store needs to get the items first. 
Which I explained that wouldnt be called a charge back that would be called the refund so 12 days now sitting with damaged lumber and them wanting me to pay for this damage lumber. 
So between the Citibank refusing to do a chargeback and the store refusing to pick up the lumber. 
They are forcing me to keep and pay for damaged material. 

Every time they allegedly say theyre sending a truck driver over I lug the lumber out put it on the sidewalk did drivers never show or the store managers say that I am trying to have them come inside do unit which is false. 

Today XXXX I logged lumber back out into the sidewalk the driver comes saying he can not except it it is not on a pallet. 

I walk to the store they refuse to wish me a refund I called the bank they refused to do a chargeback. 


They are refusing to do the charge back because the credit card is affiliated with the Home Depot. 

So they are refusing a dispute for a charge back out of prejudiced and biased.

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 2021-10-26 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: DE

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX & XXXX Date of inquiry XX/XX/XXXX XXXX/XXXX  Date of inquiry XX/XX/XXXX 1 XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SENTE MORTGAGE
State: TX

Complaint narrative:
My loan began XXXX XX/XX/2020. I was forced to provide an escrow for home owners insurance as well as property tax. I provided the lender in XXXX with documentation from the county indicating that as a XXXX veteran I pay XXXX property tax. I am exempt from property tax. The loan servicer has acknowledged that they have received the documentation, they recognize that I do not pay nor owe any property tax, and that I am due a refund of property tax taken into escrow in the past. Four months later I have not received the funds that were erroneously charged and I am still assessed for property tax within the escrow account by my loan provider every month.

I have contacted my loan provider on four separate occasions concerning this issue and each time I am told the same thing : " I see you do not pay property tax, I am processing your account for the refund, I am updating your loan so you are not forced to pay this tax every month ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have multiple fraudulent inquires on my account that I need removed. 

I have sent multiple dispute letters in to report the fraud. I have contacted the credit bureau as well as the creditors. 

The inquiries are : XXXX XXXX XX/XX/XXXX Bank of America XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX  XXXX  XXXX  XX/XX/XXXX Bank of America XX/XX/XXXX Bank of America XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/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