vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-17 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: TX

Complaint narrative:
The accounts listed below have the wrong amount balance. The credit card usage is wrong as well. 

1. XXXX Reported XX/XX/2020 173 % Balance : {$690.00} / {$400.00} 2. XXXX/XXXX Reported XX/XX/2020 99 % Balance : {$740.00} / {$750.00} 3.XXXX XXXX XXXX Reported XX/XX/2020 83 % Balance : {$250.00} / {$300.00} 4. XXXX XXXX Reported XX/XX/2020 83 % Balance : {$250.00} / {$300.00} 5. XXXX/XXXX Reported XX/XX/2020 57 % Balance : {$1400.00} / {$2600.00}

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 2020-12-17 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: TX

Complaint narrative:
The accounts listed below have the wrong amount balance. The credit card usage is wrong as well. 

1. XXXX Reported XX/XX/2020 173 % Balance : {$690.00} / {$400.00} 2. XXXX/XXXX  Reported XX/XX/2020 99 % Balance : {$740.00} / {$750.00} 3.XXXX XXXX XXXX  Reported XX/XX/2020 83 % Balance : {$250.00} / {$300.00} 4. XXXX XXXX Reported XX/XX/2020 83 % Balance : {$250.00} / {$300.00} 5. XXXX/XXXX Reported XX/XX/2020 57 % Balance : {$1400.00} / {$2600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Yamaha Motor Finance Corporation USA
State: FL

Complaint narrative:
I have a loan through Yamaha Financial Services Account ending in # XXXX. On XX/XX/2020, I called Yamaha to request a deferment for my XX/XX/2020 payment. I spoke to XXXX at Yamaha he assured me that Yamaha would defer my XX/XX/2020 payment. On XX/XX/2020 Yamaha began calling me stating that I was past due for the XX/XX/2020 payment I stated that XXXX told me the XXXX payment was deferred. I filed a complaint with XXXX and Yamaha responded to the complaint and states that " On XX/XX/2020 you called and spoke to a representative who mistakenly advised you that you would be able to receive an extension for your XXXX payment. '' Yamaha is now charging late fees to my account for XXXX payment and applying my current payments to the XXXX payment or previous month. They are reporting my account to credit bureau as past due 30-90 days. I have spoke to numerous supervisors and employees at Yamaha they refuse to correct my account. I have filed complaint with credit bureaus as well. I have requested corporate phone number via emails and they refuse to provide any further information so that I can resolve this. 

I have also had issues with Yamaha sending me a monthly statement they stated on recorded phone calls that they aren't required by law to send me a monthly statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 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: MA

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

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 2020-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Hi, I contacted Equifax on XX/XX/2020 in efforts to dispute items on my credit file. Equifax did not respond so I sent a follow-up letter on XXXX/XXXX/2020 letting them know that I requested the Method of Verification and still have not received anything as far as the investigation goes which would prove that these accounts are mine. These items need to be removed from my credit report as per the FCRA regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I used my card and purchased a home warranty then I have canceled it later, the consumer has sent me an email that they have refunded my card and I still have not received the refund on my card, I have filed the claim with Bank of America credit card on XX/XX/2020 and I still do not receive the refund back on the card. 
claim # XXXX filed XX/XX/2020 spoke to XXXX on XXXX spoke to XXXX XX/XX/XXXX spoke to XXXX on XX/XX/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 monetary relief
Consumer complaint received 2020-12-17 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: Credit Karma, LLC
State: OH

Complaint narrative:
This past year I had to claim bankruptcy so I went on Credit Karma to see what secured credit cards they suggested. I got a card with XXXX XXXXXX/XX/XXXX by giving them a XXXX dollar security and a XXXX fee. As soon as I received my card I registered it on line and immediately paid the XXXX fee. That was on XXXX XXXX. Than I started using the card and sent in an additional 2 payments. There was a first payment due date of XXXX XXXX for XXXX and I made a total of 3 payments before that date, trying to raise my credit score. The 1st payment was on XXXX XXXX to pay the fee, than I used the card for purchases and made another payment for XXXX on XXXX XXXX, and then used the card again and made a 3rd payment of XXXX on XXXX XXXX. After that payment I was not going to use for awhile until I could see if it was raising my score. When I went on Credit Karma I seen my score DROPPED 103 POINTS! I was so upset I logged on to XXXX XXXX XX/XX/XXXX to see what was going on and they charged me a XXXX late fee. I called them all upset wanting an explanation and they said they will remove the fee but could only do it once. I got upset and told them I was more worried about my credit score and wanted it fixed. They said no, that their information was right so I filed a claim with the XX/XX/XXXXand they ( XXXX XXXX ) referred me to you. I have my bank statements to prove XXXX XXXX is lying and taking advantage of people I low places that are trying to get their lives together and start over. XXXX XXXX XX/XX/XXXX is in the the business of making money off of low income people. I also believe that credit Karma is responsible also, and should also be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
i was notified by XX/XX/XXXX barclays that a strange charge had been made on my card # XXXX on XX/XX/2020 from XXXX 's XXXX in XXXX NV I informed them that the card was in my possession and had not been used by me. 

I reported the fradulent charge on XXXX XXXX, 2020 officially. 

at that time they cancelled the old card and insisted on issuing me a new card ending in # XXXX, although i did not want it. 

I never activated that card. 

on XX/XX/2020 i received a letter confirming that their fraud department had determined that i was not responsible for the reported fraudulent activity. 

I then began receiving bills for the old fraudelent charge on the new card that i had never activated. 

I have recieved bills for the same fraudelent charge on the new, unactivated card every month since XX/XX/2020. 

I have called barclays every month since XXXX and have spoken to numerous people who have assured me that they will rectify this. I just recieved a bill for the month of XXXX. 

my FICA score has been affected, and my credit was just under XXXX before this. 

they keep sending me bills, destroying my credit and will not fix this no matter how many times i call or who i speak to.

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 2020-12-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: TX

Complaint narrative:
XX/XX/2020 a " Refund to Borrower '' in the amount of {$700.00} shows on my loan activity from my escrow account. I never received the check for {$700.00}. They now say that the money was refunded into my escrow account, but the balance sheet does not show {$700.00} returning to the account. I have called several times and they say they will look into it and get back with me. I have never received a call back. Every time I call they say they have to research it in a department that doesn't take incoming calls, or the wrong work order was made and they're redoing it. This has been going on for 3-4 months, because they say I have to wait 3 weeks to receive the check. So I wait, it never arrives, i call back and the excuses begin again. 
In the online portal I can clearly see the money was distributed from the escrow account and to date never returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SFMC L.P.
State: TX

Complaint narrative:
Paid loan in full, {$190000.00} with guaranteed funds on XX/XX/20. This info is per their automated information system. Today is XX/XX/20. Escrow funds of nearly {$4000.00} have not been received which is violation of time frame they have to return funds. We were told " the check is in the mail '' when we questioned them on their violation of RESPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 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: PA

Complaint narrative:
I have a child support arrears balance that shows up on my experian credit report as a closed account and it is not closed. I make payments every week per the judges court order. It also shows up on my credut report as seriously past due date/assigned to an attorney, collection agency, or credit grantor & apos ; s internal collection department. It also said it is a term of 1 month. None of this is correct. I am ordered to pay an amount monthly by the court and I pay that amount monthly. This is not a loan and it has no term in reference to time. This doesn't even show that the balance is dropping because of weekly payments. It is a complete manipulation of the credit report system. I have asked experian to rectify this and they have not responded.

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 2020-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have requested an investigation on XX/XX/XXXX in regards to my account with XXXX XXXX Account # XXXX I have not gotten any response back. 
I would like to point out other issues on the report : 1. Date of last payment differs 2. Date of open differs 3. Late payment date differs Transunion XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX XX/XX/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 2020-12-17 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have requested an investigation on XX/XX/XXXX in regards to my account with XXXX XXXX Account # XXXX I have not gotten any response back. 
I would like to point out other issues on the report : 1. Date of last payment differs 2. Date of open differs 3. Late payment date differs XX/XX/XXXX XX/XX/XXXX, Experian XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX XX/XX/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 2020-12-17 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: TX

Complaint narrative:
The account below is no longer active and should have been removed from credit report. 

XXXX XXXX Last reported XXXX XXXX, 2020 {$32000.00} Reported balance

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
We applied for a loan with Quicken Loans. Without our consent they added others to be available to view our loan status ( and apparently were sending them updates via email ). We asked repeatedly, in writing and by phone, to have no one allowed access to this personal information except my wife and I. The original purchase fell through and we started a second loan, and they did the same thing, allowing access to others. Despite several very specific requests, they continued to send information about our loan to third parties, including an agent who represented us ( buyer ) and the seller. 
After our complaint Quicken Loans utilized Covid regulations to claim we had zero income and deny our loan. We utilized another lender to complete the purchase ; a lender who specifically asked us to add anyone we wanted to be allowed access to our loan information, rather than just adding agents and escrow contacts access without any permission. Attached are emails ( please do not make these part of the information published ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My son XXXX XXXX purchased tickets to XXXX from XXXX XXXX. He was informed by XXXX XXXX that flight has been canceled due to Pandemic so we requested Citibank to give the credit of approx. {$580.00}. They took their own time to investigate and finally came to us after few months that XXXX XXXX is not agreeing to take the charge. Inspite of early action i.e. letting Citibank to dispute the transaction because of Pandemic no action was taken by them. 

Today i called them and was told that resolution period has ended and i would be losing my hard earned money because of inappropriate actions by Citibank. I request that i am reimbursed with the cost of tickets as flying in XXXX was not possible and even more Airline canceled the ticket. i have attached email received from XXXX XXXX for reference.

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 2020-12-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: Credit Karma, LLC
State: IN

Complaint narrative:
I have a savings account with credit karma. 
I tried to withdraw my money from the account. {$100.00}. It says ( the account you are trying to withdraw from is frozen ). 
The first time i tried to withdraw the money was XXXX/XXXX/20 and i tried today XXXX/XXXX/20 with no change.i have tried withdrawing and cancelling my account and no reply from credit karma.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Automated Accounts Management Services
State: ID

Complaint narrative:
I had a mammogram done that was paid for with a grant from XXXX common fund. Then they called me in for a second mammogram because I had aXX/XX/XXXX I was assured this would be paid for through the Grand as well. A few years later I received notice from aams that I had a debt with them. I had never received a bill and did not know I had a bill that went to collection but they told me there was nothing I could do at this point except pay it. So I made payment arrangements and I've been paying them monthly straight from my checking account every month without a missed payment. They show I am late every month on my payment to them. However I have not missed one payment or been late since I found out about this debt. I don't feel this is right as I have been making the payments as agreed every month. This is affecting my credit and making it impossible for me to rebuild my credit so I can buy a house.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XXXX XXXX I mailed letters to XXXX, XXXX  and Transunion disputing numerous items. On XXXX XXXX I received numerous letters from XXXX XXXX XXXX stating the debt and saying if I wanted information substantiating the debts to write a letter which is what the letters were for that I send on XXXX XXXX. None of the debts were validated. As of today, they still have not been validated per my letter. It has been much longer than 30 days. 

XXXX XXXX XXXX, XXXX in the amounts of {$610.00}, {$720.00}, {$930.00}, {$780.00}, {$300.00}, {$630.00}, {$600.00}

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 2020-12-17 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: NY

Complaint narrative:
On XXXX XXXX I mailed letters to XXXX, Experian and XXXX  disputing numerous items. On XXXX XXXX I received numerous letters from XXXX XXXX XXXX stating the debt and saying if I wanted information substantiating the debts to write a letter which is what the letters were for that I send on XXXX XXXX. None of the debts were validated. As of today, they still have not been validated per my letter. It has been much longer than 30 days. 

XXXX XXXX XXXX, XXXX in the amounts of {$610.00}, {$720.00}, {$930.00}, {$780.00}, {$300.00}, {$630.00}, {$600.00}

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 2020-12-17 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:
Unauthorized Inquires on trans union credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2020-12-17 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: TX

Complaint narrative:
The account below is no longer active and should have been removed from credit report. 

XXXX XXXX Last reported XX/XX/2020 {$32000.00} Reported balance

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 2020-12-17 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: TX

Complaint narrative:
The account below is no longer active and should have been removed from credit report. 

XXXX XXXX Last reported XX/XX/2020 {$32000.00} Reported balance

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