vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BBVA FINANCIAL CORPORATION
State: MA

Complaint narrative:
I recently attempted to close a checking, joint checking and savings account with BBVA. BBVA had recently purchased my prior bank, Simple. Upon calling BBVA to close the account, the customer service representative, who I spoke to on Thursday, XX/XX/2021 at XXXX, indicated that she could not send me a check for the remaining proceeds in my account and that instead she could only close my account if BBVA could keep the funds in the account. The proceeds were less then five ( XXXX ) XXXX 

The bank indicated they could only send me a check if I mailed them a notarized letter requesting to have the account closed, but could not do so on the phone, even after asking several questions to verify my identity. 

This appears to be an unfair and deceptive practice on the part of the bank and puts an unnecessary burden on consumers. I told the rep to keep the remaining proceeds and to close my account so I wouldn't incur any fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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: FL

Complaint narrative:
On XX/XX/2021 I sent letters to the bureaus regarding inaccuracies and unverified accounts on my credit report. Its 30 plus days later and I have not received a response. Section 611 ( a ), states that a failure to investigate and no response within 30 days gives reason for these inaccuracies to be removed and deleted immediately off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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: AZ

Complaint narrative:
Transunion is violating laws, I have submitted several complaints and disputes and I dont believe that theres been actual investigations on these accounts as they still reporting inaccurate and Transunion has failed to furnish any documentation that prove they are reported correctly. I have submitted factual data disputes with inaccurate balances, date last active, high credit, and etc. On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX I submitted disputes and Transunion stated the accounts in question are 100 % accurate which is false, as I have submitted my credit reports with the highlighted inaccurate and inconsistent information and they are still not removed. These inaccurate accounts are causing XXXX XXXX  to my life, because Transunion keeps telling me that Im wrong when Im sending the bureau info taken directly from my credit report! This is what Transunion is reporting and Im pointing out the errors and inconsistencies, so how am I wrong when its what you are showing to me. These errors on are making it hard for me to obtain new credit and Transunion is reporting inaccurate accounts and keeping them on my account is violating the FCRA and FTC laws. I have attached my credit report with the highlighted inaccurate accounts with errors on my credit report. I demand these inaccurate accounts be Deleted Immediately

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 2021-05-20 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: FL

Complaint narrative:
I am writing to delete the following information in my file. These items I need deleted contain inaccurate information and must be deleted as soon as possible. I am a victim of identity theft and did not make these charges. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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:
I have received a copy of my credit report and it shows company XXXX XXXX  account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$590.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Checking over my report and I noticed some inquiries I dont recognize reporting on my report I have waited for a response for more than 30 days and still yet have not to here anything back please remove this inaccurate information.

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 2021-05-20 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: FL

Complaint narrative:
I have been contacting Experian since 2018. Their website/portal inaccurately states that I have a late/derogatory payment. All of my accounts have always been current. When you expand the payment section on their site, it states that there are no late payments. My credit report supports the fact that I have no derogatory information on any of my reports. I spoke to the tech team who advised it is a technical glitch but it shouldn't affect anything. When I pull my FICO score through XXXX XXXX, it shows a lower score due to a serious delinquency being reported by Experian. No delinquency can be located because it doesn't exist. I have opened numerous tickets with Experian and they go unresolved or I never hear back. They even stated I never received a resolution due to the fact that I have a free membership. They provided me a free membership due to the fact that they were breached! 

It has affected credit decisions. I need them to fix the technical issue and remedy the situation. I have enclosed screenshots of the site, old reports, current reports. Please have them provide updated copies which will prove they're reporting inaccurately.

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 2021-05-20 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: IL

Complaint narrative:
XXXX hasn't reported my account to 3 major credit bureaus ( XXXX, Equifax, XXXX ) since XX/XX/2019. The account is still open but reporting incorrect balance. The account balance is XXXX. This has hindered me from obtaining new credit. Not reporting the correct balances is killing my credit utilization.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America closed my account without notice and reason. Then they mailed my remaining balance to the old address on file. I called them and they did a STOP PAYMENT on the check but they won't issue a new check until 91 days after. Is it legal for bank to hold my money for 3 months for no reason? I do think so. I need a money back 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 2021-05-20 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:
This letter is formal notice that you have failed to respond in a timely manner to my dispute letter of, deposited by registered mail with the U.S. Postal Service on that date. 

1. The status is incorrect for the following account XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

2. The following personal information is not mine : Address : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX please delete it Credit Bureau is refused to respond on my letters, they do not investigate and just sent once to me letter saying that account was verified and updated, even thou nothing was verified.

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 2021-05-20 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:
My name is XXXX XXXX. I am in the process of applying for a mortgage with XXXX XXXX. Equifax has mistakenly mixed up my brother XXXX XXXX credit report information with mine. As a result, my brothers 2 mortgage accounts 1 ) XXXX XXXX XXXX  with balance {$950000.00} and 2 ) XXXX XXXX XXXX with balance {$290000.00} were included on my credit report. Within the past 2 weeks, we have contacted Equifax more than 6 times. They claimed that the problem was fixed and these 2 mortgages are no longer on my account. However, when I tried to run my credit report on Equifax.com ( XXXX, XX/XX/XXXX, XX/XX/XXXX ) all these 3 reports are still showing my brothers 2 mortgages. The system still identified me as XXXX XXXX with my brothers date of birth, last 4 digits of SSN, current and former address. 
Equifax has sent me a copy of my report dated XX/XX/XXXX ( confirmation # XXXX ). Although the information on this report is correct, my concern is the 3 reports that I pulled on the Equifax portal after XXXX are still showing the errors. 
Equifax is unable to explain the discrepancies. When my lender pulled my combined credit report via XXXX on XX/XX/XXXX, it is still indicating that Equifax is reporting my brothers mortgages on my report. The XXXX Report also indicates that I am AKA XXXX XXXX ( the 2 of us with DOB 6 years apart! ) This has severely jeopardized my underwriting process. 
I have also filed 2 online disputes based on the above incorrect information at Equifax.com. Confirmation # XXXX and # XXXX. Initially, I was able to track the progress but these disputes suddenly disappeared from my online profile 2 days ago. I tried to file new dispute based on the incorrect data on XX/XX/XXXX but the system did not allow me to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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:
I have received a copy of my credit report and it shows company XXXX XXXX ( Original Creditor : XXXX XXXX ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$200.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against Radius Global Solutions. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.

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 2021-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, after receiving a BMO Harris Bank promotion advertisement, I went to the BMO Harris Bank branch at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL, and opened a business checking account. I met all requirements ( see the promotion terms attached ) but did not receive the {$500.00} checking bonus as advertised. Since XX/XX/XXXX, I called several times XXXX XXXX, the Banker who helped me open the business checking account, and left voicemails but there was no response at all. Then I called the BMO Harris Bank customer service number several times to report this problem. Although the customer service representatives said they would escalate this and gave me an update, they never contacted me afterward. On XX/XX/XXXX, I called the BMO Harris Bank customer service number again and later got connected with XXXX XXXX who was the Branch Manager. On the same day, I forwarded the promotion email I received on XX/XX/XXXX to XXXX and he promised to resolve this problem. After that, I did not receive any response. Months later, I called XXXX to follow up and left voicemails. Still nothing. As of today ( XX/XX/XXXX ), I still did not receive the {$500.00} checking bonus as promised and never received any response from BMO Harris Bank.

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 2021-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
My business account with TD Bank was recently charged almost {$2000.00} by a company called XXXX I've requested that my disputes be expedited. I've been stuck in XXXX Tennessee without money also my XXXX XXXXXXXX XXXX was skimmed I've called td bank everyday begging them to process these transactions so I can get my money back. Apparently TD allows their managers to hang up on customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-20 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: Experian Information Solutions Inc.
State: NH

Complaint narrative:
I have an account with Experian.com - Couple different problems with this account. 

They first had the WRONG DOB on file. I have requested for this to be fixed. No one has fixed this. 

They also disconnected my bank account with Experian boost for no reason what so ever and never notified me of this and now I can not get the account to reconnect. I have called and no one is able to assist me with this. 

I also noticed that the majority of my positive accounts and my negative accounts are not reporting on the report because I pulled a my annual credit report and they are reporting on that Experian report. 

Also I was in the process of buying a new car and the dealership told me their is a freeze on my credit file. I tried to lift the freeze via XXXX and they have advised me online their was a error. And when I called XXXX - they said their is no freeze but the dealership is still til this day having issues as I type this to 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 2021-05-20 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:
This letter is formal notice that you have failed to respond in a timely manner to my dispute letter of, deposited by registered mail with the U.S. Postal Service on that date. 

1. The status is incorrect for the following account XXXXXXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

2. The following personal information is not mine : Address : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX please delete it Credit Bureau is refused to respond on my letters, they do not investigate and just sent once to me letter saying that account was verified and updated, even thou nothing was verified.

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 2021-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I applied for and was granted a loan modification from Shellpoint Mortgage Servicing. Prior to the modification my loan payments were {$5000.00} ( PITI ). The trial modification lowered the payments to {$4600.00} ( also PITI ). After making all the payments during the trial period my monthly payment was then raised up to {$5300.00} ( PITI ) ... more than {$700.00} over the trial payments and even more than the original payments I was making before applying for the modification. I could not afford the original monthly payment of just over {$5000.00} so was very happy with the {$4600.00} payment. I have tried over and over to get the post trial period payments lowered but have been unsuccessful. I do not understand and certainly can not pay this post trial payment of almost {$5400.00}. I recently received a notice that I am in risk of default. I am completely frustrated by Shellpoint 's indifference to the situation they have put me in.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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: MicroBilt / PRBC (formerly CL Verify)
State: MS

Complaint narrative:
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Please investigate the following information and either remove it or at least send me the information UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION US SM BUS ADMIN ODA XX/XX/XXXX MICROBILT XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I, Consumer XXXX d/b/a XXXX XXXX XXXX XXXX, entered into a consumer credit transaction with American Express in which multiple federally protected consumer rights were violated. On XX/XX/2021, American Express received documents on my behalf via USPS. One of the documents included a debt validation letter. At the end of this letter, I respectfully demanded that payments made on my behalf to this disputed " alleged debt '' be refunded by check payable to XXXX XXXX XXXX. These demands were made pursuant to 15 USC 1692h which states : If any consumer owes multiple debts and makes any single payment to any debt collector with respect to such debts, such debt collector may not apply such payment to any debt which is disputed by the consumer and, where applicable, shall apply such payment in accordance with the consumers directions. To date this has not been done. 

In addition on XX/XX/2021, American Express violated my consumer rights by threatening to take legal action if this alleged debt became past due by placing with a legal collections agency. I understand that this violates 15 USC 1692e ( 5 ) which states : A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken. 

On XX/XX/2021, a representative from American Express expressed to me that they are handling my account in accordance to ALL applicable laws and regulations. This bold statement informs me that they are knowingly and willfully violating my federally protected consumer rights.

Company response to consumer: Closed with explanation