vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have items on my credit report that I would like to verify the information on. 

XXXX XXXX - Account # - XXXX XXXX  - Account # - XXXX XXXX XXXXXXXX XXXX  - Account # - XXXX XXXX XXXXXXXX - Account # - XXXX XXXX  XXXX - Account # - XXXX XXXX  - Account # - XXXX XXXX XXXX Account # - XXXX XXXX XXXX  - Account # - XXXX XXXX XXXX  - Account # - XXXX XXXX XXXX  - Account # - XXXX XXXX - Account # - XXXX XXXX - Account # - XXXX XXXX  - Account # XXXX XXXX XXXX - Account # - XXXX XXXX  - Account # - XXXX XXXX - Account # - XXXX Please also remove any inquiries that did NOT result in an account being opened.

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 2021-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have items on my credit report that I would like to verify the information on. 

XXXX XXXX - Account # - XXXX XXXX - Account # - XXXX XXXX XXXXXXXX XXXX - Account # - XXXX XXXX XXXXXXXX - Account # - XXXXXXXX XXXX XXXXXXXX - Account # - XXXX XXXX - Account # - XXXXXXXX XXXX  - Account # - XXXX XXXX XXXX  - Account # - XXXX XXXX XXXX XXXX  Account # - XXXX XXXX XXXX  - Account # - XXXX XXXX - Account # - XXXXXXXX XXXX  - Account # - XXXX XXXX - Account # XXXX XXXX XXXX - Account # - XXXXXXXX XXXX - Account # - XXXX XXXX - Account # - XXXX Please also remove any inquiries that did NOT result in an account being opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX reported an account of mine as a charge off. I have proof from XXXX sub company ; under the same company as XXXX, XXXX stating that the account was settled in full. I have disputed this account numerous time to change the wording from charge off to paid in full however they wont change it. I am an XXXX XXXX XXXX that has been refused a security clearance due to the wording on this account. This is affecting my livelihood and my career.

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 2021-12-22 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Company continues to report inaccurate information to my consumer report

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 2021-12-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
PenFed makes in incredibly easy to make online payments. The problem is that these are interest payments. I would like to make principle only payments, which lowers principle quicker and reduces overall interest charges over the life the loan. PenFed intentionally obfuscates the process of making a principle only payment. They require a phone call and have an intentionally complex and long phone menu that takes a minimum of five minutes to reach a human that can assist. I have been informed there is no direct line or quicker way to a human. A rep had a suggested I try calling a credit/debit card support line to get a human quicker, which worked, except the rep I received was completely unhelpful and could only requeue me. There is no reason at all to make this process so obtrusive, except for the fact that PenFed is attempting to maximize the interest collected ( at my expense ) over the life of the loan. The payments I am attempting to make are between accounts at the same credit union, so there should be no reason I can't do this operation online.

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 2021-12-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: SD

Complaint narrative:
I received a delinquent tax due notice regarding my property for which Amerihome had purchased the mortgage. In XX/XX/XXXX, I contacted Amerihome and spoke with XXXX who indicated to me that my escrow account was incorrectly marked on their system as not escrowing for real estate taxes. Upon her research, she confirmed that my escrow was set up to include real estate takes and promised that the real estate taxes would be paid before XX/XX/XXXX. I confirmed that I had made all payments on time and had adequate funds in my escrow account. I contacted Amerihome again on XX/XX/XXXX after noticing that the real estate taxes still had not been paid. Another representative, XXXX, confirmed that the taxes had not been paid even though the account was correctly marked as escrowed for RE taxes and stated that the expected completion of the task was now XX/XX/XXXX but could not explain why the previous timeline had not been followed. I asked to speak with a supervisor - one was not available so she placed me on 24 hour call back. The next day, I received a callback from a supervisor who explained their tax department was struggling to match the legal description of the mortgage with the tax bill but could confirm the legal description included on the mortgage was included on the bill. He also told me to contact them on XX/XX/XXXX if I had not received notice the taxes were paid. I contacted them on XX/XX/XXXX as taxes still have not been paid and spoke with XXXX. She confirmed taxes still had not been paid and was unable to give a timeframe of when it should be completed by. I asked for contact information for the department working this but was denied access to that. As a member of my community that respects everyone paying their bills on time, I am being harmed by Amerihome Mortgage Company , LLC and XXXX XXXX Bank due to my real estate taxes not being paid on time

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 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: CBC Companies, Inc.
State: MI

Complaint narrative:
This is a formal statement notifying the credit bureaus that the accounts under account # XXXX are being disputed. The purchase date of the vehicle is XX/XX/XXXX, The vehicle was financed by XXXX XXXX XXXX, repossessed in the state of Michigan, and sold on or about XX/XX/XXXX. Under the laws UCC 9.506 as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. I demand proof that the repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. - EFFECT OF ERRORS OR OMISSIONS. 9-611. - NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. - TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. 9-613. - CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL You are REQUIRED to provide me with copies of the legal notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle. If no such proof is provided, the alleged claim of a deficiency will be considered null and void, and any continued collection activities or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and including but not limited to UCC 9-625 remedies. Furthermore, you are hereby notified that at no point in time and under no circumstances is your company ; an employee of your company ; a representative for your company or affiliates are to contact me or any family members by any means other than the US mail system.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: First Technology Federal Credit Union
State: NC

Complaint narrative:
Hello, On XX/XX/XXXX my car was repossessed because of the lack of payment. Several times did I try and get assistance for hardship and refinance however they did not approve me to do so and I stopped being able to make my payments back around XXXX. 

Again my car was taken on the XXXX. I was able to get my parents to make my past due payment and the repo fees on Friday XX/XX/2021. I was told that it would take 1-2 business days for the release paperwork to process. It is now XXXX and I still dont have access to my vehicle. I paid First Tech in the amount of XXXX. The lot attendant that they choose to work with closes daily at XXXX. First Tech special assets dept is 3 hours behind so when they are opening the lot is closing. I expressed that I needed a vehicle to get around in during the holidays and asking for what step in the process am I in so I know what is taking so long. The agent XXXX XXXX ( XXXX ) was very rude and condescending saying things like I should have taken care of this before, I wouldn't be in the situation etc. I am going through a divorce and experiencing financial hardship. I dont need to be reminded of what I should have done. I want to get my vehicle because I paid my portion of the balance and now they need to do their job. From the beginning XXXX never let me know it would take as much time as it does. The lot will be closed on Thursday and Friday this week. That means after today, I wont be able to get my car back to at least Monday. The dept keeps speaking of I have to wait on the process. I asked what the process is and what part I am in and XXXX couldnt give me a straight answer. This bank has been horrible to work with. I take ownership for my XXXX and not being able to pay and communicate when I did but I am trying to be deligent so that this doesnt happen again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I reached out to Experian via phone on XX/XX/XXXX called a rep by the name XXXX at ( XXXX ) XXXX regarding incorrect information on my report concerning XXXX XXXX XXXX. I left a message for XXXX and as of today I received no call back or response. 

According to records and XXXX XXXX XXXX customer service the account went delinquent with no interaction XXXX. XXXX has is reported on my report that it went delinquent XX/XX/XXXX which incorrect according to the customer service notes which is an error.As a result of the incorrect information this account should've feel off my credit report this month of XX/XX/XXXX being the account is 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 2021-12-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
On XX/XX/XXXX I received a letter telling me I owed {$2700.00} dollars for XXXX accounts, although the date said XX/XX/XXXX. I'm not sure the reasoning for this. I read the paper and it didn't include my right to dispute. 

On XX/XX/XXXX I contacted them and my mother XXXX XXXX spoke to XXXX. She didn't give us enough information during the call so I'm unable to determine the validity. She also didn't tell my mother whether I could dispute it. 

My mother offered to pay with our health insurance but she told us because the visit happened in XXXX and we are in XXXX, we could not use our medical insurance to pay off the bill. 

She tried to pressure my mother into paying today with a discount, even though my mother told her " I don't have that type of money right now '' ( something along these lines ). My mother asked for another day and she said the deal was only today however, she previously said it could be for the month. 

Not telling us the right to dispute, trying to coerce my mother into paying today, no inclusion of my rights. 

I don't even know if these accounts aren't even mine because not enough information was given to me. I made an account to view my accounts on XXXX XXXX XXXXm and these accounts don't seem familiar. These accounts do not show up on my credit report for XXXX and XXXX. 

Today I sent a certified letter to the debt validation asking for more information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: CO

Complaint narrative:
I have a destiny card by Genesis FS Card Services. Its a {$300.00} card. I always check the available balance before I use the card online to see how much I can spend. I did that in XXXX. No problem. I didnt use the card in XXXX cycle because it was maxed out. I paid {$40.00} on XXXX XXXX. Then it said I had {$43.00} available. I used it for {$23.00} for gas. Now the balance is {$370.00} and saying that my XXXX charges were over and they added a {$29.00} fee. Thats a scam. It shows online that you have available credit, that you apparently dont have. They let you use it. Then they come back and say oh wait its over. Heres an overdraft fee. I go off the screen thats posted below. Thats all I have to go off. If its saying I have available credit, I should have available credit. If I was over in XXXX, I shouldnt have had any available credit in XXXX after I paid the {$40.00} because Id still be over. This company is scamming people.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 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: TX

Complaint narrative:
On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2021-12-22 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2021-12-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Company continues to report inaccurate information to my consumer report

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 2021-12-22 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:
Company continues to report inaccurate information to my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America is doing fraud by charging interest on a balance that does not exist. 
Please check attached for documents & see the details below. 

Beginning balance as XXXX XX/XX/2021. 
{$4200.00} This balance was paid in full on XX/XX/2021 Bank of America as other credit providers give 28 to 30 days grace period to pay the last billing period balance to avoid interest charge & balance of {$4200.00} was cleared on XX/XX/2021. 

Balance was paid in full within the grace period so NO interest must be charged. 

Beginning balance as of XX/XX/2021 {$3900.00} This balance was paid in full on XX/XX/2021, XX/XX/2021 & XX/XX/2021 ( XXXX partial payments ) Balance was paid in full within the grace period so NO interest must be charged. 

BUT : I was charged XXXX $ interest on XX/XX/2021 Undoubtedly, bank of America has manipulated the algorithm & this is happening at large scale embezzling billions of dollars. 

I also need to mention this fraud has happened a few times within the last few years & every time I call they say : Sorry it was a mistake!!!! 

XXXX $ XXXX XXXX innocent BOA preys = XXXX $ in just one month!!!!

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 2021-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Money from my mother 's account was not transferred. The point person, XXXX XXXX of XXXX XXXXh, was generally not communicative-he did not answer his phone, reply to messages left or reply to e mails. One of my siblings spoke to XXXX XXXX, who stated the money would be transferred on XX/XX/XXXX or XX/XX/XXXX. The money still has not been transferred. XXXX XXXX finally said he was dealing with covid for two weeks. Why could he not enact the transfer from home or get one of his colleague 's to do this? I actually don't even believe him. The urgency is that we need to take out the required minimum distribution. But how can we if he/they aren't transferring the funds? I filed a complaint with the XXXX XXXX XXXX with little effect. I don't think this will help either. It's a crying, despicable shame that " our '' government is powerless against a financial institution like Bank of America ( which owns XXXX XXXX ) in helping and fighting for the average person.

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