vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Bank of America did not make the County property tax payment for XXXX and XXXX. I received a delinquency notice in XX/XX/XXXX and again in XX/XX/XXXX ( {$670.00} - {$35.00} late fee included ) regarding nonpayment. I contacted Bank of America on each occasion and was informed that it was an error on their end. I contacted customer service on XX/XX/XXXX to inform them of nonpayment from my escrow account. I was informed that this would be escalated and paid immediately. I checked my online account on XX/XX/XXXX to see if the payment had been made. The payment had not been submitted and I contacted customer once again. I was informed that the payment had not been paid and a manager would call me back.

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 2022-02-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
My payment was due XX/XX/XXXX, and I sent it from my bank 's bill pay service on XX/XX/XXXX. The payment is via a physical check. Bank of America posted the payment on XX/XX/XXXX and charged me a late fee. BofA claims this was because of post office delays, but I have my doubts since BofA routinely takes a week longer to post payments than the insurance company I pay from the same bill pay service. BofA reps claim they want to give the fee back but " the system '' won't let them because they've had to fix this several times in the last year. Multiple times BofA promised that a supervisor with additional authority would call me back, but it never happened.

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 2022-02-15 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: LA

Complaint narrative:
The Following accounts were all included in identity theft claims that I have already expressed to each company listed. Pursuant to 15 USC 1681c-2 the consumer reporting agency ( XXXX, Equifax and XXXX ) shall block the reporting of any information in the file of a consumer that the consumer ( ME ) identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency 1. appropriate proof of identity ( I have provided all identifying information with this report to identify myself to these companies 2. copy of identity theft report ( I have attached for your records ) 3. identification of such item by consumer ( this is my third and final time identifying that there is an issue that has not been resolved with removing these inaccurate items.

4. a statement by the consumer ( This serves as my statement that none of the below accounts are related to any transaction by myself ). 
Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX By law these accounts sitting on my consumer report any longer are a violation of FEDERAL Laws. I am a litigious consumer and will go to the full extent of the law to make sure my consumer report reflects complete and accurate information. This is my last and final attempt to remedy this situation before I file a petition to sue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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: LA

Complaint narrative:
The Following accounts were all included in identity theft claims that I have already expressed to each company listed. Pursuant to 15 USC 1681c-2 the consumer reporting agency ( XXXX, XXXX and Experian ) shall block the reporting of any information in the file of a consumer that the consumer ( ME ) identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency 1. appropriate proof of identity ( I have provided all identifying information with this report to identify myself to these companies 2. copy of identity theft report ( I have attached for your records ) 3. identification of such item by consumer ( this is my third and final time identifying that there is an issue that has not been resolved with removing these inaccurate items.

4. a statement by the consumer ( This serves as my statement that none of the below accounts are related to any transaction by myself ). 
Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX By law these accounts sitting on my consumer report any longer are a violation of FEDERAL Laws. I am a litigious consumer and will go to the full extent of the law to make sure my consumer report reflects complete and accurate information. This is my last and final attempt to remedy this situation before I file a petition to sue.

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 2022-02-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
I have an account with ComenityXXXX XXXX XXXX A few months ago, I obtained a bill consolidation loan and paid them off. After that, I ignored all their correspondence because I had no need to contact them. I usually ignore all unknown callers because I get so many bogus call about car warranty, etc. On one day, I answered and it was Comenity Bank telling me that I owed {$140.00}. When I protested, they said that I had not included my late fee in the payoff so I had accrued more interest and late fees. On top of that, they are still charging me for XXXX insurance. I contacted the XXXX XXXX XXXX I waited for a letter from Comenity addressing my issue. Instead, I got another bill. They had now dropped the bill down to the original late fee and charges to {$45.00}. But, they added another late fee, interest and {$1.00} for insurance, for a total of {$89.00}. How can it be fair business practice to charge interesr and late fees on late fees. I might not have been as upset about the original late fee, saved myself grief and paid it. However, they did the same exact thing to my husband about three years ago. He paid it off, then they hounded him about an accumulation of late charges and fees til he finally paid them over {$200.00} to get them off his back. He died one year ago today so, of course, I can't ask him to get more details together for you. 
I want this account to be wiped clean, taken off my credit report and closed once and for all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-15 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax has been reporting information that is not required by law .. according to 15 U.S. Code, 1681b ( a ) ( XXXX ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. EQUIFAX is breaking federal law by not receiving written consent from I the consumer before furnishing a report. EQUIFAX is not following and willfully neglecting the aspect of an investigative consumer report. I have recently disputed an account with Equifax responded that an investigation with the furnisher has been initiated and I should wait for their response EQUIFAX is the Consumer Reporting Agency Therefore they should be conducting an INVESTIGATIVE CONSUMER REPORT and disclosing said action EQUIFAX is willfully neglecting federal law which has civil liability. According to 15 U.S. Code 1681a - Definitions ; rules of construction subsection D ( XXXX ) ( i ) ( XXXX ) Exclusions. Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; AND ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ;. XXXX HAS WILLFULLY NONCOMPLIED WITH THIS SECTION by reporting transactions and approvals of credit by XXXX XXXX, XXXX BANK and etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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: MI

Complaint narrative:
This account continue to be a mystery to me, I do not have a financial obligation with this company. They have no verifiable proof. 
XXXX XXXX XXXX : {$0.00}

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 2022-02-15 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: KY

Complaint narrative:
Experian has investigated the account XXXX XXXX XXXX in the past and marked my report as verified/acceptable. I followed up by sending a letter on XX/XX/2022, asking for verification of method of investigation. Experian has not submitted status of verification within the 15 day window allowable according to FCRA. This is now a violation of my rights and the account reporting by XXXX XXXX is inaccurate as described in disputes. It has hurt me from receiving credit from lenders. Please advise XXXX and XXXX have removed the item as it is incorrect and Experian is the only agency that has not. I am disgruntled and demand Experian to remove/delete the account reporting to XXXX XXXX XXXX XXXX is in violation with FCRA. 

Thank you,

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 2022-02-15 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: AL

Complaint narrative:
XXXX XXXX keeps on reporting inaccurate information to the reporting agencies. This account has been closed since XXXX of 2020. I had a back injury and had back XXXX. I had XXXX insurance with this company but they denied it saying they did not receive certain documents. This is one of the companies that sent this account over to an attorney office to collect in which they are. But they charged this account off in 2020 but still reporting it open on one bureau and charged off on the other which is a violation against FRCA.

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 2022-02-15 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: AL

Complaint narrative:
XXXX XXXX keeps on reporting inaccurate information to the reporting agencies. This account has been closed since XXXX of 2020. I had a back injury and had back XXXX. I had XXXX insurance with this company but they denied it saying they did not receive certain documents. This is one of the companies that sent this account over to an attorney office to collect in which they are. But they charged this account off in 2020 but still reporting it open on one bureau and charged off on the other which is a violation against FRCA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
A friend transferred {$50.00} to me using the Cash app, owned by Square. She looked me up using my email address. I had an account with Square using my email address. 

When I logged into the app with my email, the app asked me to verify my identity using a code sent to my email. I did this successfully. The app then asked me to enter a debit card number to verify my identity. It asked for a debit card number from many years ago when I initially set up my account. My debit card number had since changed, so I no longer had access to it and didnt know the number. 

This seems a very silly way to verify an identity. Peoples debit card numbers can change and its not something people usually memorize. 

Their in-app, chat-based support then led me on a wild goose chase of creating a new account, trying to merge these accounts, etc. 

At the end of the day theyre telling me they cant help me. Meanwhile my friend is out {$50.00} on her end. Im out {$50.00} in my end. And their support team is telling us the transfer doesnt exist even though money was deducted from my friends account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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: MD

Complaint narrative:
I have included in this complaint a photocopy of the account in question. XXXX is reporting to me that I am 60-90 days late and I have NEVER BEEN LATE. I have impeccable credit and this is hindering me due to their neglegance and error. One account is showing with the same balance closed and transferred and then it shows in the next the same amount as late. I have contacted them several times and someone in their office said they would correct the issue but they never did.

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 2022-02-15 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: Nelnet, Inc.
State: MD

Complaint narrative:
I have included in this complaint a photocopy of the account in question. NelNet  is reporting to me that I am 60-90 days late and I have NEVER BEEN LATE. I have impeccable credit and this is hindering me due to their neglegance and error. One account is showing with the same balance closed and transferred and then it shows in the next the same amount as late. I have contacted them several times and someone in their office said they would correct the issue but they never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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: MD

Complaint narrative:
I have included in this complaint a photocopy of the account in question. XXXX is reporting to me that I am 60-90 days late and I have NEVER BEEN LATE. I have impeccable credit and this is hindering me due to their neglegance and error. One account is showing with the same balance closed and transferred and then it shows in the next the same amount as late. I have contacted them several times and someone in their office said they would correct the issue but they never did.

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 2022-02-15 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: WI

Complaint narrative:
On XX/XX/XXXX I made a purchase from XXXX XXXX for {$1200.00}. Due to supply chain issues, IXXXX did not receive the item so on XX/XX/XXXX they refunded my total amount. Both transactions were handled via XXXX using my XXXX card. Unfortunately at the time of the refund back to my credit card, XXXX was moving from XXXX to Barclay as their vendor. As a result, my refund has been sitting in limbo somewhere at XXXX. XXXX has provided me with the transaction details down to the time the refund was sent to Barclays from them. I've spoken to multiple supervisors at XXXX who have indicated that the money is there at Barclay and just needs to get transferred to them in order for it to show as a credit on my statement. Apparently this has been a bumpy transition from XXXX to Barclays however that is not my concern. They have been holding my {$1200.00} for FIVE months. This is unacceptable. I am not disputing anything with a merchant as they have refunded my money ; I simply have never been given the money from the credit card company. During these five months I have continued to pay my bill timely but this is getting ridiculous and I believe they should be paying me interest now.

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 2022-02-15 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: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
JPMCB flagged our mortgage account late several times although payments were made in time ( payment was due on the XXXX of each month and they have received the payments in time ). This, and other issues, have been communicated several times to JPMCB will little success. 

We sold our house in XXXX of XXXX and JPMCB flagged us late again for XXXX of XXXX. There was an issue with the buyers check that didn't clear in time but that was out of our control. We opened a dispute with XXXX to make our case. The case was rejected, but when comparing the payment history before and after the complaint, we are now flagged late for XX/XX/XXXX, and no payment history is shown for XX/XX/XXXX. Another " late '' date has changed as well - before we were " late '' in XX/XX/XXXX and we are now late in XXXX of XXXX. 

JPMCB credit reporting is arbitrary and completely erratic! Because of this our credit score has dropped significantly, and we had extreme difficulties to find a bank willing to work with us on our new construction loan. We tried to obtain a construction loan in XXXX of XXXX but had to wait until XX/XX/XXXX until our credit score had improved enough to be able to get a construction loan. We've missed our window of opportunity to secure a loan at a more favorable interest rate, and had to postpone begin of construction. 

Evidence and documentation is available to prove that my statements above are correct!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A.
State: GA

Complaint narrative:
I am in the process of trying to acquire a mortgage loan. I contacted PNC Bank to consider getting my loan through them with me having a bank account with PNC as a long term customer. I spoke to a Mortgage rep name XXXX XXXX on XX/XX/2022. I told him what my interests were and he asked me to go onto the PNC website and submit documents. I did immediately and reached a snag in his enrolment online system where it would not allow me to move any further. I tried reaching out to XXXX for 2 days via text and calls. He responded XXXX days later. 

He finally sent me a link and asked me to log back in and try again. I did and after speaking with XXXX only twice I did not get a good working relationship feeling from him that says he would work hard to get my loan done. I called XXXX XXXX on XX/XX/XXXX and told him that I did not want to continue working with him and that he should cease and dismiss all actions related to working with my account because I have decided to work with someone else. 

XXXX XXXX was came off disturbed asking why did I want to discontinue our working relationship and I explained that I decided to work with someone else who offers a little more optimism and enthusiasm with my loan application. XXXX XXXX went onto start explaining how he didn't see where it would matter because he did not see where anyone could get the loan approved. 

To the contrary, there is a mortgage company who can get the loan done and all they were waiting on was a letter from my university to close. I hung up on XXXX XXXX and in return he submitted a slew of derogatory comments to my credit reporting agency stating, " my loans were being denied by PNC '' for a multitude of reasons. 

The unethical, unprofessional, and fraudulent actions by XXXX XXXX where all based on misleading reasons for reporting from the beginning. If there were to be any report filed, Mr. XXXX XXXX should have filed that, " the loan application was canceled by the consumer. '' However, in his unprofessional abuse of power, Mr. XXXX XXXX took it upon himself to conclude, out of anger, that he would directly lie to prevent me from doing as I stated and go work with a different lender. Mr. XXXX XXXX violated my consumer right to not work with him and abused his power to destroy my chances of getting a loan with someone else. 
I have a closing date coming up in approximately 5 days and XXXX XXXX, because I chose not to work with him has caused my loan to beheld up and possibly lose my loan. I do plan to follow this complaint up with an attorney and HUD as well. I do not suggest anyone do business with PNC Bank considering this is the type of abuse of power and unprofessionalism you are subjected to have to encounter.

Company response to consumer: Closed with explanation