vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-07 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: CA

Complaint narrative:
My XXXX XXXX XXXX  credit card account ( XXXX ) was opened in XX/XX/2021. Since the opening the account, I did not receive any paper monthly statements or any paperless monthly statements ( i.e. email notification ) from XXXX XXXX since XX/XX/2021. The only notification from the bank was a text message on or around XX/XX/2021 regarding the account. I immediately contacted the bank and was informed of the past due balance in the amount of {$49.00}, including late fee of {$39.00}. I immediately sent in the full payment in the amount of {$49.00}. The payment was posted on XX/XX/2021. 

Since XXXX did not provide any paper or paperless statements ( e-notification ) for the period from XX/XX/2021 to XX/XX/2021, I did not received proper notice of the amount due and the payment due dates. When XXXX reported that my account status was " delinquent and past due for 30 days '', such reporting was inaccurate. Had I received proper paper or paperless statements, I would have paid the outstanding balance before the due date. Based on the fact that no paperless statement was sent to notify me of the balance due date, the negative information reported to the credit reporting bureaus is incomplete and unverifiable information. 

I believe that it is unethical for XXXX XXXX to report such negative information when the bank mistakenly did not send me any paper or paperless statements, to properly notify me of the outstanding balance and the due date. 

I have excellent payment record for the last 40 years. I always paid my balances on time, as long as paper statements or e-notifications are properly sent to me. Such negative information from XXXX is detrimental to my credit rating, with a substantial credit score drop of 75 points, from XXXX to XXXX currently. 

Your prompt attention to resolve this matter is greatly appreciated. 

Best regards, 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 2021-11-07 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: CA

Complaint narrative:
My XXXX XXXXXXXX XXXX credit card account ( XXXX ) was opened in XX/XX/2021. Since the opening the account, I did not receive any paper monthly statements or any paperless monthly statements ( i.e. email notification ) from XXXXXXXX XXXX since XX/XX/2021. The only notification from the bank was a text message on or around XX/XX/2021 regarding the account. I immediately contacted the bank and was informed of the past due balance in the amount of {$49.00}, including late fee of {$39.00}. I immediately sent in the full payment in the amount of {$49.00}. The payment was posted on XX/XX/2021. 

Since XXXX did not provide any paper or paperless statements ( e-notification ) for the period from XX/XX/2021 to XX/XX/2021, I did not received proper notice of the amount due and the payment due dates. When XXXX reported that my account status was " delinquent and past due for 30 days '', such reporting was inaccurate. Had I received proper paper or paperless statements, I would have paid the outstanding balance before the due date. Based on the fact that no paperless statement was sent to notify me of the balance due date, the negative information reported to the credit reporting bureaus is incomplete and unverifiable information. 

I believe that it is unethical for XXXX XXXX to report such negative information when the bank mistakenly did not send me any paper or paperless statements, to properly notify me of the outstanding balance and the due date. 

I have excellent payment record for the last 40 years. I always paid my balances on time, as long as paper statements or e-notifications are properly sent to me. Such negative information from XXXX is detrimental to my credit rating, with a substantial credit score drop of 75 points, from XXXX to XXXX currently. 

Your prompt attention to resolve this matter is greatly appreciated. 

Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07 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: CA

Complaint narrative:
My XXXX XXXXXXXX XXXX credit card account ( XXXX ) was opened in XX/XX/2021. Since the opening the account, I did not receive any paper monthly statements or any paperless monthly statements ( i.e. email notification ) from XXXXXXXX XXXX since XX/XX/2021. The only notification from the bank was a text message on or around XX/XX/2021 regarding the account. I immediately contacted the bank and was informed of the past due balance in the amount of {$49.00}, including late fee of {$39.00}. I immediately sent in the full payment in the amount of {$49.00}. The payment was posted on XX/XX/2021. 

Since XXXX did not provide any paper or paperless statements ( e-notification ) for the period from XX/XX/2021 to XX/XX/2021, I did not received proper notice of the amount due and the payment due dates. When XXXX reported that my account status was " delinquent and past due for 30 days '', such reporting was inaccurate. Had I received proper paper or paperless statements, I would have paid the outstanding balance before the due date. Based on the fact that no paperless statement was sent to notify me of the balance due date, the negative information reported to the credit reporting bureaus is incomplete and unverifiable information. 

I believe that it is unethical for XXXX XXXX to report such negative information when the bank mistakenly did not send me any paper or paperless statements, to properly notify me of the outstanding balance and the due date. 

I have excellent payment record for the last 40 years. I always paid my balances on time, as long as paper statements or e-notifications are properly sent to me. Such negative information from XXXX is detrimental to my credit rating, with a substantial credit score drop of 75 points, from XXXX to XXXX currently. 

Your prompt attention to resolve this matter is greatly appreciated. 

Best regards, 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 2021-11-07 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Complaint : The debt collector : XXXX XXXX has violated 15 U.S. Code 1692c - Communication in connection with debt collection ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 
I have not given permission for XXXX XXXX to communicate, transfer or sell information to any other company or third party/debt collector, therefore the specific creditor ( XXXX XXXX  ) must be removed immediately from Equifaxs database on my credit report because it is a violation of 15 U.S. Code 1692c-section b. All third parties trying to collect associated with XXXX XXXX must also be removed from the credit report because it was a violation of 15 U.S. Code 1692c-section b. 

XXXX XXXX XXXX Equifax Account XXXX : XXXX Account Type : Revolving Account Type - Detail : Bureau Code : Individual Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00} No. of Months ( terms ) : XXXX High Credit : {$2500.00} Credit Limit : {$0.00} Past Due : {$0.00} Last Reported : XX/XX/XXXX Comments : Account transferred or sold Charged off account Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XXXX  this year Bank of America allowed a transaction to be completed whom they said was done by XXXX in the approx amount of {$120.00}. This was said to be a debit card purchase at XXXX using my card with the PIN number. This was not my charge and Bank of America refused to refund my money after two complaints filed with them denying the charges authenticity. They refused to refund my money and the FBI refused to press charges. This was not my charge and they had proof that I was at another location about the same time this charge was made but refused to refund my money.

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 2021-11-08 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: AR

Complaint narrative:
To my surprise, I saw a collection account showing up on my XXXX & Experian credit report. I wrote them the letters to validate and verify that the info is accurate. Till to the date, even requesting them to validate the accuracy of the account- I have not received any documentations that supports that account belongs to me. Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, they had stated in writing that they verified that these items are being reported correctly? Who verified these accounts? They have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified.

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 2021-11-07 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
Apple Card disputes not being correctly handled. 
- Made disputes on card in XXXX reference a payment to XXXX. Was found in my favor XX/XX/XXXX. As per Apple Card request changed card number etc. XXXX charges were denied as using wrong card number. Then as of XXXX Apple Card has been paying the same transactions they denied previously and no one at customer support will help. 

- also Disputed payment to online retailer who failed to deliver item. Got no response from merchant when tried to get refund as item hadnt arrived. Item wasnt shipped as per the retailers own system for tracking shipments, so simple dispute. Heard nothing from company raised dispute with Apple Card weeks later. No update. No credit to my account. No communication at all. Been months of being stonewalled by Apple Card. 

No communication from dispute department. They dont seem to make refunds for amounts found in favor. Rather they remove the disputed amount from clients available balance - then charge it back if found in favor. This means were paying apple for the disputed amount won in the consumers favor. Customer service admitted this was the case but stated no one ever complains about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07 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: DISCOVER BANK
State: NY

Complaint narrative:
Hi, I started a dispute for a purchase which was never delivered and after submitted the proof and waiting for more than 1 months, the claimed was denied. I was only notified because there is payment due. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: NJ

Complaint narrative:
On XX/XX/2021 I entered into a contract of sale for a condo unit through my realtor XXXX XXXX XXXX of XXXX XXXX in XXXX county NJ. I supplied the contract to my loan Originator XXXX XXXX of Amerisave Mortgage. XXXX XXXX had emailed me he would attach the property to my loan file and would begin the loan process. Everything progressed as it should. The mortgage scheduled a FHA approved appraiser, the cost would come out of my application fee of {$500.00}. Under the advice from my attorney and from Mr. XXXX, our loan Originator, my wife and I pulled out the money from a retirement account for closing costs on the condo because we needed to advance our escrow deposit. The amount was {$20000.00} to roll into a new investment, the new condo. My home inspection cost {$750.00}. 
Not one time through the whole process did any representatives from Amerisave state the condo was not FHA qualified. All inspections and appraisal were completed and we moved to close on XX/XX/2021. On XX/XX/2021 I received a email from my loan officer XXXX XXXX telling me that the condo in question was not qualified for my loan type and they would not be able to approve the loan. 
My complaint is that Amerisave Mortgage Corp. Loan Originator XXXX XXXX , his staff and other Amerisave representatives had done their due diligence in vetting the property prior to my out of pocket cost. They allowed this loan to proceed, not insuring the condo matched the qualifying factors of my loan type. This mis-step has cost me an out of pocket expense of {$1200.00}. We also pulled funding from a retirement account, {$20000.00}. This will cause us to be charge a early withdraw penalty of 10 percent of the total withdrawn amount on top of the 10 percent ( {$2000.00} ) for taxes at withdrawal.. Had Amerisave 's loan originator and underwriting staff done the due diligence s and properly vetted this property, this purchase would not have been initiated and would have avoided causing my family monetary damages and emotional distress.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Capital One N.A.closed my account in XXXX without properly disclosing why. The company discriminated against me by closing out an account I've used for years. I've called several times inquiring why it was closed and they are still asking for payment monthly without access to using the credit card. I have not been able to use my credit card since XX/XX/2021. 12 CFR 1002 talks about discrimination and discouragement. I do not agree with what the company has done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I sent out dispute letters regarding Bankruptcy to TransUnion on XX/XX/2021 which was well over 30 days ago. My complaint was to have Bankruptcy removed from my TransUnion report. I wrote a letter to courts regarding reporting to CRA and they wrote me back stating they do not report. I only disputed with XXXX and sent proof to CRA. I sent ALL proof. XXXX was unable to verify the Bankruptcy so it was REMOVED.

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 2021-11-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/2021 Citi Bank denied my request for credit limit increase on my credit card. 
12 CFR 1002.4 ( a ) " Discrimination. A creditor shall not discriminate against an applicant on a prohibited basis regarding any aspect of a credit transaction. '' Citi bank has discrimined against me. They are in violation of federal law

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 2021-11-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I had a Visa Signature Cash Rewards credit card with Navy Federal Credit Union Account Number ending XXXX. This account was closed by the bank due to none payment. This financial institution has committed fraud and needs to be held accountable. While the account was open and after the bank closed the account, on several occasions NFCU, without actual authority from me or any other authorized consumer with access to this account, initiated transfers that were done by a person other than the consumers authorized on the account.These unauthorized initiated transfers happened from XXXX through XXXX from my checking account XXXX into the account ending XXXX. The actual dates and amounts are as follows : XX/XX/XXXX {$200.00} ; XX/XX/XXXX {$150.00} ; XX/XX/XXXX {$11.00} ; XX/XX/XXXX {$37.00} ; XX/XX/XXXX {$54.00} ; XX/XX/XXXX {$55.00} ; XX/XX/XXXX {$40.00} ; XX/XX/XXXX {$14.00} ; XX/XX/XXXX {$130.00} ; XX/XX/XXXX {$10.00} ; XX/XX/XXXX {$40.00} ; XX/XX/XXXX {$130.00} ; XX/XX/XXXX {$110.00} ; XX/XX/XXXX {$40.00} ; XX/XX/XXXX {$130.00} ; XX/XX/XXXX {$24.00} ; XX/XX/XXXX {$60.00} ; XX/XX/XXXX {$960.00}. The total amount that was fraudulently taken from my checking account by an unauthorized electronic fund transfer is {$2200.00}. 
According to Electronic Funds Transfers ( Regulation E ) ; 12 CFR 1005.2 ( m ) Unauthorized electronic fund transfer Navy Federal Credit Union committed an unlawful act. According to 12 CFR 1026.12 Special credit card provisions. ( d ) Offsets by card issuer prohibited ( 1 ) General rule. A card issuer may not take any action, wither before or after termination of credit card privileges, to offset a cardholders indebtedness arising from a consumer credit transaction under the relevant credit card plan against funds of the cardholder held on deposit with the card issuer. 
They continue to cause my phone to ring harrasing, anoying and abusing anyone who happens to pick up my phone. This is a violation of Telephone Consumer Protections Act, 47 U.S. Code 227 and I want it to stop immediately. 
I do not agree with what has happened to me and I need someone to help me. This has caused me stress, sleepless nights especially after losing my job due to COVID and not being able to find another job. If banks can committ fraud and nothing is done about it, I do not feel safe as a consumer using banks and allowing them to have access to my personal information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I sent out dispute letters on XX/XX/2021 Which was over 30 days ago to LVDV FUNDING LLC, my complaints was to have debt validated and proof to collect debt in my state. I have never had an account with this complany. I have ask for proof of my wet signature and this company has yet to provide that. 

I also sent a second notice on XX/XX/2021 which also was well over 30 days ago. Failure to provide proof also. I have not heard from this company since then. XXXX is also reporting this information inaccurate information after disputing with them multiple times. They also have failed to provide me proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07 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: DC

Complaint narrative:
Fraud department for each bureau has been called several times in regards to someone breaching my SSN. Each bureau assured me that they would remove the inquiry for XXXX XXXX off of my credit report. This inquiry is still reporting and has shaved points off of my score for the hard inquiry. I even put a freeze on my XXXX account back in XXXX and the agent never actually successfully froze my account. This inquiry is not attached to an account. I spoke with XXXX XXXX as well for removal and was informed it would be removed almost a month ago. 
I DID NOT RECENTLY OPEN AN ACCOUNT WITH XXXX XXXX THIS ACCOUNT INQUIRY DOES NOT BELONG TO ME!

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 2021-11-07 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: AES/PHEAA
State: CO

Complaint narrative:
All students loans accounts were consolidated as one, and still to this date is showing multiple accounts ( 16 accounts ) as open delinquent with no balance on them. I reached out ( called ) XXXX to confirm why those accounts would still showed all like that and they told me to send mail evidence. Last month ( XXXX ) I send a letter to Fed Loan directly to inform the discrepancies and they just send a letter confirming there were no pending balance, but have not done anything else.

Company response to consumer: Closed with non-monetary relief