vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I setup AutoPay for my Bank of America VISA credit card in XXXX and called Bank of America to verify it was setup correctly. I was assured by customer service agent that AutoPay was setup and my payment would be debited from my bank account on the due date XX/XX/XXXX. However, I noticed on XX/XX/XXXX, there was no payment made to my credit card account. I called Bank of America customer service who informed me that the AutoPay will take few statement cycles to setup and took my payment on the phone and was assured there would be no late fees. However, I noticed on my XX/XX/XXXX statement, I was charged a {$25.00} late fee. I spoke to XXXX ( XXXX ) XXXX in Bank of America customer service today ( XX/XX/XXXX ) and explained the situation. XXXX refused to waive the {$25.00} fee. 

It is unfair to charge me {$25.00} late fee, when I signed up for AutoPay in XXXX and failure on the part of Bank of America to withdraw the payment on the due date XX/XX/XXXX. Despite my best efforts to validate the AutoPay setup, I am being unfairly charged a late fee after being a customer who has paid on time since 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 2021-09-09 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: DE

Complaint narrative:
I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response to the written requests I sent last XX/XX/2021. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts that are still reporting on my Credit Report and need to remove pronto : XXXXXXXX XXXX XXXXXXXX-Balance {$0.00} DEPT OF ED/XXXX-Balance $ XXXX Opened : XX/XX/XXXX, XXXX-Original amount {$2700.00} DEPT OF ED/XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX, XXXXOriginal amount {$3000.00} DEPT OF ED/XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX, XXXX-Original amount {$2200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 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: TX

Complaint narrative:
XXXX XXXX Amount {$34000.00} Account Number XXXX Date Opened XX/XX/XXXX This account is from identity theft XXXX XXXX XXXX XXXX Amount {$2900.00} Account Number XXXX Date Opened XX/XX/XXXX This account is from identity theft XXXX  XXXX  Amount {$7300.00} Account Number XXXX Date Opened XX/XX/XXXX This account is from identity theft Hard Inquires 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 2021-09-09 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: TX

Complaint narrative:
XXXX XXXX Amount {$34000.00} Account Number XXXX Date Opened XX/XX/XXXX This account is from identity theft XXXX XXXX XXXX XXXX Amount {$2900.00} Account Number XXXX Date Opened XX/XX/XXXX This account is from identity theft XXXX  XXXX  Amount {$7300.00} Account Number XXXX Date Opened XX/XX/XXXX This account is from identity theft Hard Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NY

Complaint narrative:
My name is XXXX XXXX XXXX XXXX loan number is XXXX social security number is XXXX date of birth XXXX. My complaint is that community loan servicing LLC took me off a covid forbearance I've been making my payments little by little I'm a little behind. But I suppose to be on the extended forbearance .that protects me for going default I got a phone call XX/XX/2021 saying I'm past due. When I call them they claim that I'm still on forbearance. But they never updated the system. And that can cause a serious problem .also community loan servicing Insurance department sent me a letter asking me for proof of hazard flood insurance for the out side of the condo I told them that the condo association is responsible for that and the condo policy is under XXXX XXXX  all they have to do is call them to get policy information regarding that issue. And they unlawfully sent me a letter saying that they were going to raise my mortgage payment next month. Regarding the other matter the forbearance. Also they keep charging me late fees and services fees for little things .I do have money in suspense and paying little by little around a XXXX every two weeks and sometimes XXXX. I told them to keep me on forbearance until I catch up on my payments and I was affected by XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 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: Credit Systems International, Inc.
State: TX

Complaint narrative:
In XXXX of 2021, I reported a dispute to Credit Systems International regarding an item I do not owe. I never received anything in the mail. They just put it on my bureau and left it there. I am trying to refinance my home. I just spoke with XXXX at Credit Systems International at XXXX. He stated he would delete/remove it from my credit bureau ; however, he refuses to provide with me any documentation stating that he will be removing it from the bureau. XXXX stated it will take 5 to 15 business days to disappear from my credit bureaus. I asked to speak with his Manager and he said they were unavailable. He said XXXX or XXXX would call me back, but we know how that goes. I would like a letter sent to me immediately stating the information has been deleted from my credit bureaus. The account number showing on my account is a medical bill XXXX Acct XXXX. Please use my fax number so that I can receive it asap. My fax number is XXXX. Thank you, XXXX XXXX XXXX last four of social XXXX adress is XXXX XXXX XXXX, XXXX XXXX, TX XXXX, phone XXXX, email XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Erin Capital Management, LLC
State: NY

Complaint narrative:
I have been trying for weeks to contact Erin Capital Management LLC, to try to resolve the issues of an alleged debt that I have never incurred, I have never XXXX credit cards in this country, I do not even have credit, I have never applied for anything that has to do with credit and this company sent me a document that I have an alleged debt of which I asked them if at least they had a signature and they have nothing, they did a procedure that I never knew had happened, I found out all this because I said Debt collector contacted my employer and started me taking {$60.00} a week out of my check for an alleged debt that I never had. I don't even have credit. I need this company to stop charging me, and pay me all the money they have taken from my checks. 

DOCKET NUMBER : XXXX Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 10 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

Company response to consumer: Untimely response
Consumer complaint received 2021-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax has continuously proceeded to report erroneous information in my credit file even after knowing and accepting it should be deleted. I have called to file a dispute and was transferred and placed on hold for hours to eventually be transferred to XXXX Equifax and then hung up on. they refuse to even take calls or correct their errors

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I sent in a reinvestigation to the credit bureaus they had 15days to respond and I haven't heard anything. I would like it removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANCO POPULAR DE PUERTO RICO
State: CA

Complaint narrative:
XXXX XXXX credit card company charged me {$140.00} annual fee on XX/XX/2021. I called to cancel this credit card as I have no travel plans this year due to COVID-19. I was told that I will be still responsible for paying the annual fee regardless of immediate cancellation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-09 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: CT

Complaint narrative:
i checked my credit report today and i found out that Equifax is attempting to report an invalid collections account on my credit report from XXXX XXXX XXXX XXXX. account Number XXXX this account has been disputed and deleted in the past and has recently been deleted by XXXX from my consumer credit profile. This account is associated with innacurate peronal information which has been disputed, invalidated and deleted by both XXXX  and XXXX. Reporting this debt is a gross violation of my rights under the FCRA guidelines. Delete all records of this account from my credit report. 
i have also attached evidence of the letter i received from XXXX XXXX XXXX showing a different account number for the same {$55.00} dollar debt. i demand this account be deleted immediately since it is costing me a lot of money. 
i have attached screenshot evidence of the the account that i demand to be deleted and i have highlighted the information as well. THIS ACCOUNT HAS BEEN PREVIOUSLY DISPUTED INVALIDATED AND DELETED. take note of attached letter from debt collector/furnisher of information with different account number for the same debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 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: CT

Complaint narrative:
i checked my credit report today and i found out that Equifax is attempting to report an invalid collections account on my credit report from XXXX XXXX XXXX XXXX account Number XXXX this account has been disputed and deleted in the past and has recently been deleted by XXXX from my consumer credit profile. This account is associated with innacurate peronal information which has been disputed, invalidated and deleted by both XXXX  and XXXX. Reporting this debt is a gross violation of my rights under the FCRA guidelines. Delete all records of this account from my credit report. 
i have also attached evidence of the letter i received from XXXX XXXX XXXX showing a different account number for the same {$55.00} dollar debt. i demand this account be deleted immediately since it is costing me a lot of money. 
i have attached screenshot evidence of the the account that i demand to be deleted and i have highlighted the information as well. THIS ACCOUNT HAS BEEN PREVIOUSLY DISPUTED INVALIDATED AND DELETED. take note of attached letter from debt collector/furnisher of information with different account number for the same debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I had bank fraud occur on XX/XX/21 and the financial institution ( TD Bank ) is not paying me back or responding to my follow ups. I have filed numerous claims, called multiple times and went into local bank branch and no one calls me back to follow up... I was robbed of every XXXX I had to my name, the damages are in the area of XXXX and now I cant pay one bill and literally no one cares at this bank. I haven't a clue what to do next... .I am very hesitant to upload more personal information regarding myself since this may have been part of the problem w/ getting hacked to begin with.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/2021, I contacted The XXXX XXXX to pay off the {$560.00} debt that was claimed on my credit report. I was given the runaround by their automated system, and was forwarded to XXXX XXXX XXXX. So XXXX XXXX XXXX did not have any details about my account and I was told to call The XXXX XXXX back with a blocked number, by dialing XXXX first then their number. Well, I called The XXXX XXXX with a blocked number, this time, and got to them at last. But, XXXX XXXX XXXX told me that they don't own this debt any more and that the Synchrony Bank owns this debt, and so there is no way for them to accept a payment from me. Ok, so I filed a dispute on XXXX to get them off my credit report. The dispute was rejected because The XXXX XXXX somehow proved that they own this debt. So, I called XXXX and told them this story. I was advised by XXXX to escalate this issue with FTC. I hope you can help me out. Thank you in advance.

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 2021-09-09 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: FL

Complaint narrative:
My name is XXXX XXXX. I pulled my credit report and notice some accounts reported inaccurately on my report. I already send multiple letters to the creditors and credit bureaus regarding the inaccurate reporting on my report for the past months and haven't received any response from them. I never gave you any written consent to report anything on my consumer report, and they haven't responded in over 30 days.

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 2021-09-09 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: MT

Complaint narrative:
I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers, and this has caused a big stress on my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 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: CT

Complaint narrative:
i looked at my consumer credit profile recently and realised Equifaxhas reported an invalid account on my credit report from XXXX XXXX XXXX XXXX account Number XXXX i have never done business with the furnishers of this information and i have no knowledge of this transaction. this account has been disputed and deleted in the past and has recently been deleted by XXXX from my consumer credit profile. the furnisher of this data is adamant on violating my rights in conjunction with equifax whom as a company is aiding and abetting to such a violation of my guaranteed rights under Federal Law passed by the United States House of Representatives. This account is associated with innacurate peronal information which has been disputed, invalidated and deleted by both transunion and experian. Reporting this debt is a gross violation of my rights under the FCRA guidelines. Delete all records of this account from my credit report. i have also attached evidence of the letter i received from XXXX XXXX XXXX showing a different account number for the same {$55.00} dollar debt. i demand this account be deleted immediately since it is costing me a lot of money. i have attached screenshot evidence of the the account that i demand to be deleted and i have highlighted the information as well. THIS ACCOUNT HAS BEEN PREVIOUSLY DISPUTED INVALIDATED AND DELETED. take note of attached letter from debt collector/furnisher of information with different account number for the same debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 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: CT

Complaint narrative:
i looked at my consumer credit profile recently and realised Equifaxhas reported an invalid account on my credit report from XXXX XXXX XXXX XXXX account Number XXXX i have never done business with the furnishers of this information and i have no knowledge of this transaction. this account has been disputed and deleted in the past and has recently been deleted by XXXX from my consumer credit profile. the furnisher of this data is adamant on violating my rights in conjunction with equifax whom as a company is aiding and abetting to such a violation of my guaranteed rights under Federal Law passed by the United States House of Representatives. This account is associated with innacurate peronal information which has been disputed, invalidated and deleted by both XXXX  and XXXX. Reporting this debt is a gross violation of my rights under the FCRA guidelines. Delete all records of this account from my credit report. i have also attached evidence of the letter i received from XXXX XXXX XXXX showing a different account number for the same {$55.00} dollar debt. i demand this account be deleted immediately since it is costing me a lot of money. i have attached screenshot evidence of the the account that i demand to be deleted and i have highlighted the information as well. THIS ACCOUNT HAS BEEN PREVIOUSLY DISPUTED INVALIDATED AND DELETED. take note of attached letter from debt collector/furnisher of information with different account number for the same debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Capital one froze my account wrongfully because sba deposited XXXX dollars in my account they said i didn't have actual buisness. I applied under sole proprietary. I reached out to individuals at sba they helped me and walked me thru steps to get loan forgiven and it is .I have documents to show that the money capital one is holding is mine and I don't give them permission to hold and want it released at once they still have in there possession as of XX/XX/21. The credit institution which i got loan from is happy and im good standing and have reached out to lend me more money. I have documents for that .Now my buisness is llc which it wasnt mandatory for loan and I have documents to prove that also. Capital one wouldn't respond to my call or voicemail I reached out over 40 times i have proof of that also.My loan is forgiven by the sba i have documents to prove the money they are holding is mine and want it returned ASAP. Sincerely yours XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX I received 2 letters from a law firm ( clearly soliciting for debt resolution and had been forwarded to me from my last address ) informing me that Chase Bank had filed 2 lawsuits against me for non-payment on the 2 credit cards that I had with Chase Bank. 

I was laid off in XX/XX/XXXX permanently due to COVID-19. At that time I resided in XXXX, XXXX. 

I moved to XXXX, XXXX  in XX/XX/XXXX. 

On XX/XX/XXXX I entered into an agreement with XXXX XXXX XXXX to consolidate all of my credit cards. I had 4 credit cards. The only company that would not negotiate for a settlement was Chase Bank. 

I left XXXX XXXX state at the end of XX/XX/XXXX and returned to XXXX, XXXX  on XX/XX/XXXX On XX/XX/XXXX I did a change of address with Chase Bank to reflect that I was once again living in Texas. 

The lawsuits are filed in XXXX County Supreme Court, NY. I have never lived in XXXX County. I lived in XXXX County, NY. 

I have not been served any papers as of yet but I do not want to end up with a default judgement either. 

Why would Chase Bank not work with XXXX XXXX XXXX? 

Thank you!

Company response to consumer: Closed with explanation