vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
My dispute is with Bank of America ( XXXX Visa Credit Card ) and XXXX XXXX credit reporting. It started with an honest mistake with Bank of America and one I owned up to, which totaled less than {$100.00}. It negated 20 years of great credit in one action made by XXXX XXXX credit reporting agency. When I went to the XXXX XXXX website to see my credit report there is little or no information. The whole website is set up to avoid personal contact and to get you to purchase additional information at a cost. By their actions my line of credit with Bank of America went from {$5000.00} to {$500.00}. In my entire life ( I am XXXX yrs. old ) and 37 years in XXXX XXXX never been treated so poorly. As an XXXX I always strived to have any action I take be appropriate and consistent. I have never missed a mortgage payment since buying my first home in XXXX, WA. I have never missed an auto payment in my entire life. I have no credit card debit. I own my home outright. My truck is paid off. I am debt free. How Bank of America and XXXX XXXX came to the conclusion that I was a risk given my history is a question I would like answered. When I said I owned up to my initial mistake, here is what happened. I always pay my credit card off and try and maintain a XXXX balance. As a result I never saw a need to sign up for email alerts or notices and my card. Me and my wife purchased a XXXX during the start of COVID and she placed the monthly membership on the same card as we used to purchase the stationary bike. I immediately paid the bike off and was not aware the membership was going to go to that card. As a result 2 payments went by unnoticed. I was finally made aware or contacted about the issue and I immediately paid the 2 months and brought the balance of the card back to {$0.00}. Apparently Bank of America lets XXXX XXXX handle these issues and I have shared what their website and lack of communication looks like. I take pride in paying my bills and not owing anything. I cant tell you have this has impacted me and what I stand for. In my letter from Bank of America denying my latest request for a higher credit line it paints me like I have a history of delinquency and multiple problems. I challenge Bank of America and XXXX XXXX to indicate to me what other issues they have that would lead to the decision that was made. I hope that your agency can lead to some sort of fair resolution and open communication. I am eager to hear back from you. XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 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:
To whom it may concern, I noticed a few errors on my credit report on XX/XX/2021 and wanted to fix this up as I am trying to get my credit to be accurate. I have a closed account with XXXX XXXX XXXX I recently paid them {$200.00} to settle which is what the customer service rep told me would be removed. I called them on XX/XX/2021 to ask why it is still hasn't been removed and they were asking me for more money. I feel misled by there company and that I no longer owe them due to agreement made they made. I also have a closed account with XXXX department store card which to my knowledge was settled a long time ago so unsure why that is still on there. Lastly XXXX XXXX  is coming after me with harassing phone calls. I have no knowledge of what they they are talking about or authorized anything by them. I am looking for all 3 of this inaccurate information to removed from my credit profile.

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 2021-01-20 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: MI

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX credited my credit card account with the amount {$660.00}. This was a random erroneous credit that I did not initiate in any way. 

This temporary credit then negated my autopay scheduled for late XX/XX/XXXX. This then caused me to miss my XXXX monthly bill. XXXX XXXX did not email or text me about any of this ( despite my election to paperless notifications ) and only sent me a physical letter months after the fact, which received XX/XX/XXXX. 

This late payment then caused XXXX XXXX to freeze all my rewards points, fine me, and report to the credit agencies a missed payment as being my fault. This then lowered my credit score over 100 points. 

And after hours on the phone with XXXX XXXX on XX/XX/XXXX, they promised to fix it and follow up, but still nothing has been addressed about this erroneous late payment report on my credit statement for two weeks. When I talked with XXXX XXXX on XX/XX/XXXX, they didn't seem to believe any further action on their part was necessary, so I had to initiate the process of requesting they fix my erroneous credit report all over again.

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 2021-01-20 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: MI

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX credited my credit card account with the amount {$660.00}. This was a random erroneous credit that I did not initiate in any way. 

This temporary credit then negated my autopay scheduled for late XX/XX/XXXX. This then caused me to miss my XXXX monthly bill. XXXX XXXX did not email or text me about any of this ( despite my election to paperless notifications ) and only sent me a physical letter months after the fact, which received XX/XX/XXXX. 

This late payment then caused XXXX XXXX to freeze all my rewards points, fine me, and report to the credit agencies a missed payment as being my fault. This then lowered my credit score over 100 points. 

And after hours on the phone with XXXX XXXX on XX/XX/XXXX, they promised to fix it and follow up, but still nothing has been addressed about this erroneous late payment report on my credit statement for two weeks. When I talked with XXXX XXXX on XX/XX/XXXX, they didn't seem to believe any further action on their part was necessary, so I had to initiate the process of requesting they fix my erroneous credit report all over again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 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: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
Data Breach information was compromised. Don't recognize account

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 2021-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
original judgment date entered on XX/XX/2011 total judgment {$7200.00} + interest after judgment total {$14000.00} What happened was I paid this collection off 6 -8 yrs ago. My credit report show that I have paid off all my collections but its been so long I have lost proof of payment.

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 2021-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.

Complaint narrative:
Coinbase account has been restricted from adding withdrawal method. 
Have raised 3 tickets on this - XX/XX/2021, XX/XX/2021 and XX/XX/2021 with screenshots. 
No response from customer service so far. 

I have not been able to withdraw my funds and due to the volatility of the market, I have already lost money on the paper profits.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 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: Global Lending Services LLC
State: TX

Complaint narrative:
Data Breach information was compromised. Don't recognize account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 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: DISCOVER BANK
State: TX

Complaint narrative:
I believe I am a victim of Identity Theft. I pulled my reports from all three credit bureaus recently and they all had accounts that I did not recognize as well as inaccurate personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-20 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: ERC
State: TX

Complaint narrative:
I believe I am a victim of Identity Theft. I pulled my reports from all three credit bureaus recently and they all had accounts that I did not recognize as well as inaccurate personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$320.00}, {$0.00}, {$550.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$320.00} -This is not my account. 


-- CLOSED ACCOUNTS 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$550.00} -This is not my account.

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 2021-01-20 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:
The dispute page still does not work after numerous complaints. 

Please go to the following address with Equifax click the " Submit a Dispute '' button. https : //www.equifax.com/personal/credit-report-services/credit-dispute/ It will immediately respond with an error message. I believe they are doing this intentionally because they are attempting to sell credit monitoring services. 

Their site also states that you can obtain WEEKLY credit reports from the annual credit report site.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Victoria Secret Card through Comenity Bank. 

The payment of {$72.00} was due on XXXX. However, due to wrong password, I was locked out of online portal to make a payment on XXXX and XXXX. In order to reset the password, I needed the physical card which I couldn't locate. I located the card on XXXX, reset the password and made the full payment. 

However, Comenity bank went ahead and charged {$29.00} late fee on XXXX and {$2.00} Fin Charge on XXXX which I got to know when I received the next statement. When I called them and explained the situation, they refused to remove the charges ; despite the fact that their record shows wrong attempts, lock out and reset. 

Eventually the account started accruing late fees and finance charges on XXXX ( XXXX ) balance of actual purchase/principal. As of now, the account has 5 late fees and 5 finance charges ( equal to {$180.00} ). All of this is late fee and interest as payment was late by a day. Meanwhile I have been getting multiple daily calls ( from different area-codes and once from an unknown number ), and text messages. 

Additionally, they kept reporting this to credit bureau which has damaged my score extensively. It went from XXXX in XX/XX/XXXX to XXXX in XX/XX/XXXX to XXXX in XX/XX/XXXX to XXXX in XX/XX/XXXX. It has made my attempt to draw first mortgage on my house so I can float my XXXX XXXX virtually impossible. 

While people are struggling to pay for basic needs in this COVID mess, this usury practice for one day of delayed payment has led to situation where I can't borrow money to keep my XXXX XXXX going which supports 10-12 employees. 

I'd request VS/Comenity Bank to reverse the charges, delete the credit line and correct the reporting to credit bureaus immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 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:
To whom it may concern, I noticed a few errors on my credit report on XX/XX/2021 and wanted to fix this up as I am trying to get my credit to be accurate. I have a closed account with XXXX XXXX XXXX I recently paid them {$200.00} to settle which is what the customer service rep told me would be removed. I called them on XX/XX/2021 to ask why it is still hasn't been removed and they were asking me for more money. I feel misled by there company and that I no longer owe them due to agreement made they made. I also have a closed account with XXXX  department store card which to my knowledge was settled a long time ago so unsure why that is still on there. Lastly XXXXXXXX XXXX is coming after me with harassing phone calls. I have no knowledge of what they they are talking about or authorized anything by them. I am looking for all 3 of this inaccurate information to removed from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 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:
To whom it may concern, I noticed a few errors on my credit report on XX/XX/2021 and wanted to fix this up as I am trying to get my credit to be accurate. I have a closed account with XXXX XXXX XXXX I recently paid them {$200.00} to settle which is what the customer service rep told me would be removed. I called them on XX/XX/2021 to ask why it is still hasn't been removed and they were asking me for more money. I feel misled by there company and that I no longer owe them due to agreement made they made. I also have a closed account with XXXX  department store card which to my knowledge was settled a long time ago so unsure why that is still on there. Lastly XXXX  XXXX is coming after me with harassing phone calls. I have no knowledge of what they they are talking about or authorized anything by them. I am looking for all 3 of this inaccurate information to removed from my credit profile.

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 2021-01-20 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: CURO Intermediate Holdings
State: TX

Complaint narrative:
Data breach information was compromised. Don't recognize account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mortgage Research Center, LLC
State: CA

Complaint narrative:
Veterans Home Loans unlawfully violated my Privacy Act under Federal and State Regulations and invasion of my Privacy. 
In XXXX I filed Federal complaints with CFPB on issues of VA Loan denials because of my Lifetime Disability. During the VA Process I provided my social security and my private information and Veterans United Home Loans saved all my private information on their data. 
In which I told them to delete all my my private information on their data, but it appears Veterans United Home Loans used my private information for VA Loan unauthorize pulled credit on XXXX XXXX as I didn't give no authorization by verbal or online. 

Why Veterans United Home Loans will not provide evidence of my Authorization of consent to pull my credit with XXXX, XXXX  and XXXX? 
If Veterans United Home Loans can not provide evidence of my written hand signature consent as evidence for Federal Government. 
Veterans United should remove and permanently the unauthorize hard inquiry on my XXXX, XXXX and XXXX  immediately. 

This is a Privacy Act violations and ADA Department of Justice as I am XXXX XXXX, Retired and a XXXX XXXX XXXX Military Veteran.

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 2021-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX Equifax Credit Reporting Agency received my 2nd letter by certified mail requesting verification of accounts on my credit report. I have not received a written response nor is it reporting disputed on all accounts that I've disputed on my credit report. Under the Fair Credit Reporting Act. Section 611 ( a ) ( 1 ) ( A ) the credit reporting agency has thirty ( 30 ) calendar days to complete an investigation. I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the attached unverified 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. As of XX/XX/XXXX there are requested unverified accounts that are still reporting on my credit file which is well over 30 days from my very first certified letter ... Included in the dispute I stated to Equifax CRA to update/correct my personal information on my credit file, with the correct information that was given. and to please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate ... My personal information was not completely updated as requested in attached letter. The letter was enclosed with the proper identification documents to update my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CALCON MUTUAL MORTGAGE LLC DBA ONETRUST HOME LOANS
State: SC

Complaint narrative:
The mortgage companies are running me ragged in a circle by saying the next company will received the transferred funds, but it has never met its final destination. I started off with Calcon Mutual Mortgage Dba OneTrust Home Loans ( XX/XX/2020 ) who sold it to XXXX/XXXX XXXX XXXX who sold it to XXXX XXXX ( XX/XX/2020 ). The final mortgage company who had recieved it had not recieved funds from either mortgage company. It felt like the two previous companies don't intend to transfer the funds at all as they keep saying it will get handled, but it never is. I have made two mortgage payments to OneTrust Home Loans of {$1500.00} on XX/XX/XXXX ( recieved via check # XXXX for XXXX ) and on XX/XX/XXXX ( via ACH payment for XXXX ) which was allegedly forwarded to XXXX XXXX XXXX  since they said bought my loan in XXXX. After a bunch of poking and prodding they said that the first payment needed to have the principal of {$490.00} needed to be subtracted. Which would mean a transfer of {$1000.00} ( after doing the math myself ) needs to be transferred from OneTrust Home Loans ( and possibly XXXX XXXX XXXX if they are also adamant on keeping some part of the received funds ). So apparently they indirectly implied that it was my job rather than their accountant 's job to tell them to subtract the principal and and how much of the remaining funds that need to be sent, which tells me that they weren't planning to send the funds to XXXX XXXX at all unless I kept asking.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation