vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX is report an account number # XXXX in charged off status I demand they remove this from my credit report. This is my formal dispute and if you don't remove it I will seek fines and sue you and transfer it to a consumer attorney for possible legal action Thanks 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 non-monetary relief
Consumer complaint received 2023-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX is report an account number # XXXX in charged off status I demand they remove this from my credit report. This is my formal dispute and if you don't remove it I will seek fines and sue you and transfer it to a consumer attorney for possible legal action Thanks XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX is report an account number # XXXX in charged off status I demand they remove this from my credit report. This is my formal dispute and if you don't remove it I will seek fines and sue you and transfer it to a consumer attorney for possible legal action Thanks 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 2023-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2023-12-03 00:00:00
Product: Credit 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: MO

Complaint narrative:
On XX/XX/XXXX I paid {$3400.00} to attend a jazz festival in XXXX, XXXX on XXXX XXXX. This was to include hotel accommodations and a weekend of jazz with Music Getaways. XXXX days before the concert I got a letter that the hotel was oversold and not to come to XXXX. XXXX days before the concert I got a letter to stop calling the hotel because it was not the hotels problem but theirs and they would get back with me and offer me to attend another concert in XXXX. I dont want to attend a concert of theirs in XXXX. They changed the lineup of the concert they cancelled on me and removed the headliner so I have no idea what they will deliver if anything in XXXX ( plus I paid for a concert in XXXX not XXXX ). I have no way of contacting them as you can only reach them by e-mail. I sent them several e-mails and they still have not reached out to me. 

XXXX XXXX is now in bankruptcy, they have several scam sites dedicated to them on FB and XXXX and they also have had newspaper and news reports on their lack of delivering the services promised because they have scammed so many people. Many people have gotten their money back from their credit cards including some with CC accounts at the Bank of America per a poll done on one of those Scam pages on FB. How does Bank of America decide to give some of their customers their money back and not all of them when we all had the same thing happen to us. It seems like it just depends on who reviews it. I want consistency and fairness. Can I repeat their response to me was I did not prove that I did not get what I paid for. I dont understand how the e-mail from Music Getaways received 3 days prior to the show that says DO NOT SHOW up in XXXX XXXX XXXX XXXX is not proof that I DID NOT GET WHAT I PAID FOR. As I today, I gave Music Getaways {$3400.00} of my money and I received absolutely nothing : NO HOTEL and NO JAZZ CONCERT I went through the dispute channel with Bank of America. I sent them the following : Letters cancelling my ability to attend the concert from Music Getaway Letter from the attorney general that they are in bankruptcy court Copies of XXXX XXXX from the Scam website News article on the scam of this concert promoter After all of this Bank of America denied my claim and did not offer me any option to appeal their decision. These people stole my money. I was unable to stay at the hotel or attend the concert, yet they charged me {$3400.00}. 

I am super angry with them for intentionally taking my money but how can a financial institution condone this and not consider it fraud, lack of receipt of services when I did not get what I paid for and I proved it.

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 2023-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
After I paid off my XXXX credit cards I checked Experian on XX/XX/2023 to see how much my credit score went up as that was the only debt I had left to pay off. To my surprise, there was an unfamiliar account on my report from XXXX XXXX. I looked up XXXX XXXX on XXXX as I had no idea who or what that was. I found a customer service phone number and when I called it they confirmed that an account for {$700.00} was opened under my name and that there is currently a {$500.00} balance remaining. They also informed me that it was for a purchase made on XXXX. I went to XXXX and it's not even a valid website as the domain is for sale. I have no clue who opened this account and did not authorize it. I'm assuming identity theft & fraud has occured so I froze my social security number AND credit, put a fraud alert on my credit, reported it to XXXX, filed a police report, filed a dispute with Experian which they did not fix the issue and filed a complaint for fraud with XXXX XXXX. I have gotten the run around with XXXX XXXX. They told me someone would contact me in XXXX business days to follow up and XXXX business days went by and nobody from XXXX XXXX contacted me. I called again and they said their supervisor was handling it and would call me back in a few hours which they never did either.

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 2023-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
After carefully analyzing my credit report, I noticed several inaccuracies as it relates to negative accounts, employment history, and addresses where I have never lived. I am requesting that the following inaccurate information be removed from my credit report as this is affecting my score and ability to obtain new credit with different creditors. In accordance with the Fair Credit Reporting Act, everything must be 100 % accurate on my credit report and under 15 U.S. Code 1681e ( b ) and U.S. Code 168i ( 5 ) these accounts are in violation of not reporting 100 % accurate. The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies shown in my report? As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C 1681i ( 7 ) Method of verification-Description of reinvestigation procedure. I have included documentation to verify my correct information. I thank you in advance for your prompt cooperation. 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 2023-12-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I had an open checking and savings account with PNC Bank, on XX/XX/2023 there was a fraudulent transfer made on my account for the amount of {$1300.00}. This caused my bank account to be overdrawn by over {$400.00} and also made my overdraft protection kick in and take {$850.00} out of my savings account. I opened a fraud dispute with PNC and after about a XXXX weeks of " investigating '' they told me the transaction was authorized because they found that the IP Address of the transfer was traced to XXXX miles from where I locked my card after finding out about this transfer. I had explained to PNC several times that I was not in my home state at the time of the transfer because I was on a work trip in South Carolina. They would have been able to tell all of this by looking at recent transactions and also seeing my card declining at XXXX XXXX. I then filed another dispute to have it escalated which when they would call me I would miss it by a few minutes and then immediately call back and leave a voicemail only to receive nothing back. Eventually I tried to reopen the dispute once again and they told me it could no longer be done because my account had been closed for some reason during an active fraud investigation. I have many screenshots of proof including clock in locations from my job on the dates on and around XX/XX/2023. They told me to open a report with my local police department, who told me they couldn't do anything, and to also see if I had a case of identity theft ( which I did not ). This was something that easily could have been investigated and fixed but they made it an extremely difficult process resulting in my losing money and somehow still owing them money. They refused to even look at any of the proof that I had and told

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Once again, I am writing to file a formal complaint against TransUnion XXXX XXXX regarding their failure to update my credit information and provide me with a method of verification, as required by the Fair Credit Reporting Act ( FCRA ). 

For well over 90 days, I have been disputing the same accounts over and over just to get the same generic responses over and over since XXXX of this year ( 2023 ) I have been disputing the same 3 accounts showing proof of clear errors and inaccuracies just to be told the item was Updated Or Verified How is this possible if I have proof and a print out of the same exact errors on the same exact accounts. 

I have attempted to resolve this matter directly with TransUnion XXXX XXXX by via my dispute letters. Despite my efforts, the issue remains unresolved, and I believe that TransUnion 's actions are in violation of the FCRA. 

After months of disputing they even told me they couldnt verify the disputes because they didnt know if it was me sending them anymore I then proceeded to begin getting the letters notarized which no one else can do on my behalf and still the same result. 

I will have my latest disputes, cover letter and credit report attached. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that TransUnion complies with the FCRA. Additionally, I would appreciate your assistance in resolving this issue and obtaining the accurate and up-to-date credit information to which I am entitled. 

Please find the following information related to my complaint : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX I appreciate your attention to this matter and look forward to a prompt resolution. If you require any further information or documentation, please do not hesitate to contact me at the provided phone number or email address. 

Thank you for your assistance. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2023-12-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
XXXX permanently closed my account without providing any reason, and despite my continuous inquiries over the past XXXX years, they have not offered an explanation for the closure. I am frustrated by the lack of transparency, as I am confident that I did not violate any rules or terms of service. Despite my efforts, the account remains closed, and I am seeking resolution to this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX - XXXX XXXXXXXX XXXX XX/XX/XXXX was reported XXXX past due, XX/XX/XXXX was reported XXXX  days past due, and XX/XX/XXXX reported XXXX past due. This does not correspond with the dates reported in EXPERIAN and XXXX, as they report XX/XX/XXXX - XXXX  day past due, XX/XX/XXXX - XXXX  days past due. and then XX/XX/XXXX XXXX days past due. Please remove the late payments reported as they are grossly incorrect. This account is marked as Closed due to inactivity. This account needs to be updated to Paid, closed ; was Paid as agreed ; Because it was paid in full as agreed on. Meaning NO late payments should appear in this file because of the inaccuracies in properly reporting the status of account at closing and the factual reason for the account closing as well as the reporting dates are grossly incorrect. EXPERIAN : EXPERIAN states the account as Closed due to inactivity. This account needs to be updated to Paid, closed ; was Paid as agreed ; Because it was paid in full as agreed on. Meaning NO late payments should appear in this file because of the inaccuracies in properly reporting the status of account at closing and the factual reason for the account closing. shows XXXX XXXX XXXX day past due, XXXX XXXX XXXX days past due. and then XXXX XXXX XXXX days past due. XXXX : XXXX shows XXXX XXXX XXXX day past due, XXXX XXXX XXXX days past due. and then XXXX XXXX XXXX days past due. XXXX shows the account was Paid, closed ; was Paid as agreed. It is not possible to be paid as agreed and still have late payments simultaneously. Please update the account to fully paid on as agreed. Meaning NO late payments should appear in this file because it was paid on fully as agreed. Please update these accounts to fully paid on as agreed. Meaning NO late payments should appear in this file because it was paid on fully as agreed.

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 2023-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
All XXXX credit reporting agencies are DISREGARING ALL THE PAPERWORK I HAVE SUBMITED ONLINE AND VIA US MAIL. THE RESPONSE IS WE HAVE RECIVED YOUR PAPAERWORK, BUT HAVE NOT UPDATED ANY RECORDS OR INFORMATION I HAVE ALLOWED THE XXXX  DAYS EVEN UP TO XXXX  DAYS TO INVESTIGATE AND PROCESS INFOMATION PER FAIR CREDIT ACT REGULATIONS PLESE HELP ON THIS MATTER, I AM A SINGLE XXXX  OF XXXX AND LOOKING TO PROVIDE AN ADDITIONAL INCOME FOR MYSELF AND XXXX CHILDREN. THANK YOU IN ADVANCE BEST, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: FIRST CENTENNIAL MORTGAGE CORP
State: IL

Complaint narrative:
I was not present at my closing and upon getting documents from the first lender, first centennial, the lender let it slip that my brother, who signed as my attorney in fact was actually under the guardianship of my mother. This makes the sale null and void per Illinois law. I have not been making payment on the loan until XXXX, the second lender who took over my loan answers for this. In the meantime, my loan is at risk into going in to foreclosure which I am trying to avoid. They did not do the proper due diligence during the sale of this loan. I saw bsi has already been in hot water for things like this and both XXXX  and first Centennial should be held accountable for their negligence. I was taken advantage of because I was not present at my closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
They're Reporting derogatory payments Plus I've sent dispute letters they fell to remove this issue off all three credit agencies..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CBE Group, Inc.
State: VA

Complaint narrative:
I am writing today because I believe that either XXXX  ( Charter Communications ) or CBE group is trying to extort funds from me. When I cancelled my XXXX  service, I went into the XXXX office in XXXX GA and returned all of my equipment. 
Please refer to attachments in parathesis below. 

On XX/XX/2023, CBE sent me egregiously inflated bills ( " XXXX XXXX XXXX XXXX XXXX  '' ) allegedly balances I owe to XXXX. However, on XX/XX/2023, XXXX had turned over the balance of my Mobile account to a collection agency, called XXXX XXXX and they sent me a request for payment of {$69.00} ( see attached XXXX XXXX XXXX '' ) and I submitted payment that same day ( see Payment to XXXX XXXXXXXX XXXX ). Initially back in early XXXX, I submitted a complaint to the XXXX  against CBE because I was not sure which amounts they were trying to collect from because I had already submitted proof of payment ( above ) of the {$69.00}. Then CBE group then consulted with XXXX about this {$69.00} and then XXXX escalated their invoices to inflated amounts, not owed. I submitted a payment of {$110.00} ( see attached labeled " XXXX payment '' for proof of payment ) and now XXXX is showing I now owe a balance of XXXX in my XXXX  account ( See attached, " how much is due to XXXX .. " ) to verify that I owe a XXXX balance. And the amounts I paid were substantially less than the balances sent to me by CBE group. Additionally, if I owed balances for unreturned equipment, these balances should have been listed in my XXXX  account, but they weren't because I had already personally appeared in the XXXX office in XXXX GA to return this equipment. 
They are LYING and I plan on submitting complaints against XXXX  as well as CBE to Fraud complaint with Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
Prior to XX/XX/XXXX, our escrow amount was about XXXX to pay property tax of XXXX for the year and home ins. Mortgage company conducted an Escrow Analysis on XXXX and recorded our " Last 12 months '' of property tax as XXXX. That is false. Our property tax was {$3800.00} and paid by mortgage company for that amount. The projected amount for the next XXXX  months ( property. Tax ) is {$4200.00}. They have created a larger jump I'm tax difference so they can claim we have a shortage, thus, increase our monthly escrow amount. Our escrow amount is now $ XXXX! I have talked with Mortgage company XXXX, XXXX XXXX, XXXX to alert them of the fraudulent figure and challenge the analysis. They ran circles around the point, claimed there is a shortage, failed to admit their own escrow analysis was faulty based off the " last XXXX  month tax '' and only focused on the increase in tax. They are not furnishing the correct XXXX tax amount in their Analysis and are ignoring the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I had a secure credit card from Bank of America. I requested, in XX/XX/XXXX, that it be closed after applying my deposit to pay it off and send the remaining deposit back to me. 

They confirmed that the account is closed, it even stopped appearing on the app. When I called to confirm that it was closed, in XX/XX/XXXX, they again confirmed its closed. 

In XXXX of XXXX, I got a call from a dept collector saying BoA had sent my account to collections, they facilitated the call with BoA where the BoA agent confessed that the account was somehow not properly closed- the deposit was not applied to it- and it kept accruing interest. 

Although they understood the problem, they just bounced me between departments and told me that no one has the authority resolve the issue. I was told that while they understand its unfair, I should just pay it off to get it over with.

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