vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-18 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: First Technology Federal Credit Union
State: GA

Complaint narrative:
On XX/XX/2020, my First Tech Credit Card was charged for XXXX with two transactions made at XXXX XXXX in XXXX. I've never visited this place and I don't recognize this process. So, I opened a claim request with the FT and they have declined with : " We have reviewed the disputed items you submitted on XX/XX/2020 in the amount ( s ) of {$190.00}, on your First Tech credit card ending in XXXX. Unfortunately, First Tech is unable to process this claim, Claim Number ( XXXX ). " I'm not responsible for those transactions and I don't see why I need to pay for that. The Bank is also declining to share proof that I did the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
XX/XX/19 XXXX $ I called bamk of America to cancel knowing my XXXX  check was going into the negatives account because I got scammed they still took it I ended up being evicted a month after.. I just want to recover my XXXX check

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 2020-08-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
I started the process of applying for a loan refinance in XXXX with Fifth Third Bank. I worked with XXXX XXXX NMLS # XXXX and XXXX XXXX   NMLS XXXX. They both validated that all information that was needed had been submitted by XX/XX/XXXX and that the loan would be moved to underwriting and would close in early XXXX at the latest. I have reached out in writing multiple times and left multiple emails for them to give me an update. The only reply I have gotten is that there is no update to give. It has now been over XXXX months for this process. Today XX/XX/XXXX, I received a call from someone representing Fifth Third bank that they needed my payroll information again because it had been so long. It is unbelievable that they have taken so long that my documentation is no longer in date. I feel that it has been well over the allotted time to process this loan and I would not like for anyone else to go through this experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
This account is being reported inaccurately and incorrectly on my credit report. I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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:
I Decided to check my Credit, because I Interested in buying a house for me and my Family I notice that there are Accounts that I did not Authorize someone must have used my Person Information without my Consent this is fraud and I want something done about this these people should not get away with this

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 2020-08-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America closed my credit card due to " high balances '' on OTHER credit cards that I have, were their exact words. This happened on XX/XX/XXXX. My wife lost her job in XXXX due to COVID19 an I lost 1 of 2 jobs during COVID19. No phone call or anything. I have ZERO lates on my credit history with this card. The balance on BOA credit card is not even close to the credit limit. Called BOA on this matter and was told there is nothing they can do. Credit history will now be affected. They did not take into account COVID19.

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 2020-08-18 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: AR

Complaint narrative:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX XXXX XXXX {$100.00} XXXX XXXXXXXX XXXX {$610.00} XXXX  XXXX {$1900.00} XXXX XXXX XXXX {$670.00} XXXX XXXXXXXX {$460.00} XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX {$970.00} XXXX XXXX XXXX {$460.00} XXXX   XXXX {$1200.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX {$1800.00} XXXX XXXX {$670.00} XXXX XXXX  XXXX {$1200.00} XXXX   XXXX XXXX {$670.00} XXXX XXXXXXXX {$320.00} XXXX XXXXXXXX XXXX {$430.00} XXXX XXXX   XXXX {$36000.00} XXXX XXXX XXXX XXXX {$230.00}

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 2020-08-18 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:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX XXXX XXXX {$100.00} XXXX XXXXXXXX XXXX {$610.00} XXXX  XXXX {$1900.00} XXXX XXXX XXXX {$670.00} XXXX  XXXX {$460.00} XXXX XXXX  XXXX {$1900.00} XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX {$970.00} XXXX XXXX XXXX {$460.00} XXXX   XXXX {$1200.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX {$1800.00} XXXX XXXX {$670.00} XXXX XXXX  XXXX {$1200.00} XXXX   XXXX XXXX {$670.00} XXXX XXXX {$320.00} XXXX  XXXX XXXX {$430.00} XXXX XXXX   XXXX {$36000.00} XXXX XXXX XXXX XXXX {$230.00}

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 2020-08-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: COLLECTION BUREAU INCORPORATED
State: ID

Complaint narrative:
Collection Bureau Inc. 
XXXX XXXX XXXX, XXXX, ID XXXX ( XXXX ) XXXX XX/XX/18 This collection bureau did not verify amounts owed to them before suing. If they had they would have found I owed nothing to the client they were trying to collect for. I contacted them to resolve the issue only to be transferred to their " Law Office '' who again tried to state there was an amount owed. I informed them I called the debtor to verify amount owed prior to contacting them. At that time their representative from their law office was very rude. 

I have also received several harassing calls from this collection agency which I do believe is a violation of FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: GUARANTEED RATE INC.
State: AZ

Complaint narrative:
Specialist id # XXXX Covid19 XXXX XXXX   XXXX I don't think I have ever received worse service and customer service from a company in my entire 38 years of life. After being approved for forbearance from GuaranteedRate/XXXX   XXXX/XXXX  due to Covid19, waiting 45 days with no response to move payments to end of loan, then making a payment, getting several conflicting answers and then being put back on forbearance, loan has now erroneously and illegally in direct violation of the CARES ACT been reported by that company to the Credit Bureaus as delinquent as of XX/XX/2020. At this point I must conclude this unfathomable incompetence on their part is gross negligence with intent to defraud your customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
im resuming this complaint with attached dispute letters, i have yet received anything from the credit buraus

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 2020-08-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Purported entity, not registered as an LLC in XXXX, established the website XXXX. They use the name XXXX XXXX XXXX. Previously they were using the false name XXXX XXXX XXXX. They repeatedly robocall consumers, several times per day, and assert a case has been filed against them. 

Company changes name frequently. 

Debts are all outside the statute of limitations for filing a suit or previously disputed debts. 

Company appears to be a false name, possibly affiliated with XXXX XXXX XXXX, as once an agent mentioned XXXX. 

Address is a mail drop. 

Company uses XXXX as telephone. Company uses maildrop XXXX XXXX XXXX, XXXX XXXX, XXXX Ga XXXX as only address. Callers claim they are in XXXX, but no registration with Georgia Secretary of State.

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 2020-08-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America sent me a letter stating that my mortgage payments are late. This is 100 % inaccurate. The latter states that based on their own lie they will add additional fees and take my home via foreclosure ( loss of home ). 
Can you please explain how can bank threaten me with taking my home away while I have NOT MISSED any payments. 
I tried to call them. I was on the hold for 2 hours. After 2 hours, the automated message asked me to leave my information because they could not talk to me. I am submitting the letter I received and record of my attempt to resolve this issue with them directly.

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 2020-08-18 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: IL

Complaint narrative:
I have attempted to correct the wrong address that Experian is listing however, they are still listing the fraudulent address of XXXX XXXX XXXX XXXX XXXX, IL XXXX. I do not live at this address and have never lived at this address. I have sent letters certified asking Experian to remove the letter. Also, there are accounts on my Experian credit report that do not belong to me as well. I have not received the original documents from Experian per FCRA proving that the accounts belong to me. Therefore the accounts must be 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 2020-08-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: OR

Complaint narrative:
I strongly believe that Comenity Bank is purposely not offering automatic payments in order to collect as many late fees as they can from their consumers. 

I have a Victorias Secret credit card provided through Comenity Bank. I hardly use this card, and when I do I always make my payments on time and or in full. Comenity Bank does NOT offer automatic payments and I have never been able to schedule more than 2 payments at a time. I missed forgot to keep scheduling the payments ( my ONLY card that doesn't do autopayments ) and it is now showing on my credit report as 30 days late. The late charge was refunded to me and I paid the balance in full, but they will not update my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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: AR

Complaint narrative:
XXXX XXXX sent me an email that it looked like my personal data may have been compromised. I opened it up and reviewed everything and there was several unknown inquiries and accounts that certainly did not belong to me. I pulled my credit to make sure, and these accounts I am reporting are definitely not mine. Please remove these items from my report. XXXX, XXXX  XXXX {$0.00} XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX {$510.00} CHAPTER XXXX BANKRUPTCY DISMISSED 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 2020-08-18 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:
XXXX XXXX sent me an email that it looked like my personal data may have been compromised. I opened it up and reviewed everything and there was several unknown inquiries and accounts that certainly did not belong to me. I pulled my credit to make sure, and these accounts I am reporting are definitely not mine. Please remove these items from my report. XXXX, XXXX XXXX {$0.00} XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX {$510.00} CHAPTER XXXX BANKRUPTCY DISMISSED 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 2020-08-18 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:
XXXX and TransUnion credit bureaus keep putting these fraudulent accounts back on my credit. These have been reported and claimed to be not mine.

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 2020-08-18 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: CA

Complaint narrative:
I Decided to check my Credit, because I Interested in buying a house for me and my Family I notice that there are Accounts that I did not Authorize someone must have used my Person Information without my Consent this is fraud and I want something done about this these people should not get away with this

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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: CA

Complaint narrative:
I Decided to check my Credit, because I Interested in buying a house for me and my Family I notice that there are Accounts that I did not Authorize someone must have used my Person Information without my Consent this is fraud and I want something done about this these people should not get away with this

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 2020-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/XXXX XXXX Noticed bank overdrawn - {$880000.00} XX/XX/XXXX XXXX Call BofA Customer Service . Said nothing they can do. Have to call this number XXXX XXXX XXXX XXXX. Straight to Voicemail. A voice of a Guy asking to leave name and number. 

XX/XX/XXXX XXXX Call BofA Customer Service. Said nothing they can do. Will transfer me to the Protective Services department. Hear a voice message suggesting closing the account and open a new one. Also to call XXXX if I have any questions regarding the voice message. 

XX/XX/XXXX XXXX Call XXXX. BofA rep XXXX ( Client # XXXX  ) says nothing she can do. An internal investigation team will call me in a few days. Suggests going into a physical branch to expedite resolution. 

XX/XX/XXXX XXXX Try to go to BofA @ XXXX XXXX XXXX XXXX , CA. It is closed on a Friday. 

XX/XX/XXXX XXXX Try to go to another BofA branch. Said have to wait 2 hours to see a personal banker. Cant wait that long. Have to go to work. 

XXXX XXXX attempted to go to BofA. The line was out the door. Asked a rep if I can talk to a personal banker. Said no one available today. Rep made an appointment at the neighboring branch for XXXX. A rep at the new location said there was nothing she can do. Called higher authority and said that I have to wait for a letter which will tell me what my options are. Rep said they sent out on XX/XX/XXXX. 

XXXX XXXX Called XXXX Bofa XXXX ( Preferred ID # XXXX  ). XXXX transferred to a different department. XXXX in Arizona from ( The know your customer contact He said the wrong department. Will need to transfer again. XXXX from ( Account closure ) Account is being under review. Call back sometime next week. Transferred to XXXX to add the unit number to address. Missing unit # XXXX. Reaching out to the risk department to resend the letter with the correct address. Transferred to the wrong department. Hung up XX/XX/XXXX XXXX Called Risk Department currently under review for a loan that I received in my account For {$22000.00}. Requesting time to work on the case. 

XX/XX/XXXX XXXX Account still frozen. Called XXXX and waited 30 minutes. Told nothing they can do and this was an issue in the investigative department. Was also told that they dont send letters and that they will call.

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 2020-08-18 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Auto Trakk, LLC
State: PA

Complaint narrative:
Auto trakk never followed the law when it came to my voluntary repossession. I never received an intent to sell, I didn't know the location of the car or anything. I don't believe the amount on my credit report is accurate at all. Also, the account is closed and the last 2 months ' payments were updated as payments made., which I never made a payment. I believe they're doing this so the time of starts over. I've disputed this account 3 times for inaccuracies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Southwest Business Corporation
State: WY

Complaint narrative:
I called the mortgage company two days after closing on my property to update my address so they could send me a check for the amount due back to me of {$1500.00}. After a month and a half of not receiving payment I called again and was told there was no record that I had called in and the check was returned because it was sent to my old address. I then updated my address again and was told I would receive the check within two weeks. After two weeks I called again last night and was told it would be a month before they would send the check. After I complained I was told the manager would call me first thing in the morning and they would overnight a check to me. After no call this morning I called and was told they would need 24 more hours before a manager could call me. Finally I was able to speak to a customer service manager but she said she could not send the check until the Escrow Department could stop the original check and then rerelase the funds which could take a day or two and she would mail the check so it would take 7-10 days. We are going on three months since I closed on my house and I get a different  story every time I call in.

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