vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XX/XX/2022, I sent two checks from two separate XXXXXXXX XXXX accounts by mail to a family member. These checks were stolen somewhere in the transit process, and were deposited into the same bank account at Bank of America in late XX/XX/2022. The checks were not endorsed, and were deposited into an account with a completely different name than on the check. Bank of America proceeded to accept these checks under gross negligence. The checks were for {$2300.00} and {$1700.00}. I've attached copies of both from my bank. 

I contacted my bank, XXXX, and filed a dispute in late XX/XX/2022. Bank of America has not responded to my follow ups or my bank 's follow ups. It's been over 60 days now, which is the point that banks are required to respond and refund these stolen checks. It's now been 120 days since these checks were stolen from me and Bank of America has refused to respond and/or help. This is a significant amount of money for me that has been stolen, and Bank of America is refusing to correct their gross negligence act within the time period required by consumer protection laws.

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 2023-03-29 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: TX

Complaint narrative:
I called Bank Of America customer service in regards to a claimed that was filled. The customer service department argued with me and accused me of being the problem and not the merchant. After I told the lady how unprofessional, judgement, and extremely XXXX. She gets upset and puts me on hold for 20mins. When she comes back, my account and closed and I have no access to my account. I have had several deposits entered into my account. I called Bank Of America several times to receive my funds. Every time I called, you always get some rude and doesnt have any understanding. They never allow you to speak to any form of management. The only options I received was to fill out and application ti see if I qualify to receive my money. Bank Of America needs to be stopped. You cant treat Americans like this regardless of their opinion. I believe the only reason the lady treated me like this was because she was extremely XXXX and couldnt take constructive criticism on her actions.

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 2023-03-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have negative remarks that have been disputed with said companies and 30 days has passed and no updates to the request to remove the accounts that violate FCRA guidelines, and this is my second request for removal of these incorrectly listed items, the items are not reporting accurately to the credit bureaus. I have requested these entities remove these inaccurate ratings against my credit report causing severe hardship against my credit score that is in direct violation of FCRA guidelines.

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 2023-03-29 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: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
hello I am reporting my credit card company CBINDIGO acct # XXXX for reporting incorrect payment history/ balance due on all 3 credit agencies. I have sent in dispute letters asking them to update the late payment they have reported during the pandemic/ financial hardship. I am under the credit card credit protection plan which stops them from reporting missed payment and they are not honoring there own policies. They are not following the consumer laws 15 USC 1666B which states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I will like this information updated on all 3 credit agencies as to this is stopping me for getting a mortgage and buying a home. they also reported a missed payment after being on autopay for a yr because they sent out a new card to replace my old card which I have not received so they froze my account not make any payments because I had not activated the new card. I had to call them for them to issue me out another card. please tell me how is this legal knowing that they are reporting incorrectly

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2023-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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: FL

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2023-03-29 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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Penn Credit Corporation
State: FL

Complaint narrative:
XX/XX/23 My debt was paid to the original debtors. The original debtors was the city of XXXX XXXX. Penn Credit Corporation is reporting a collection on XXXX they cant collect for. It was deleted from XXXX and XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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: FL

Complaint narrative:
I have attached an FTC report with accounts and inquiries I did not authorize

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 2023-03-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I constantly check my credit report and noticed that there are false and misleading information on this account that didn't meet credit reporting standards of being 100 % correct. This has damaged me and held me back for some time. Im demanding Cfpb to enforce correction of these items with fradulent accounts removed.

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 2023-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I was trying open account with Chase bank. They stated that I already have account with them. I never had account with Chase Bank. No even a credit card. They state that the account was open in XX/XX/2019 and still open present with negative balances. I had police report filed. I believe my ex spouse may have open a Chase account in my name using my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
In accordance with fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish and account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
My name is XXXX XXXX XXXX. It is showing again as XXXX XXXX XXXX. I have sent in copies of my ID and SS card several times and they did correct it however, it is showing again.

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 2023-03-29 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: OK

Complaint narrative:
I have sent proof to XXXX that accounts : XXXX XXXX # XXXX is reporting inaccurately. REMOVE! 

XXXX XXXX XXXX : # XXXX is reporting inaccurately. REMOVE! 

According to 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies : ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I have filed complaints with the Consumer Federal Protection Bureau multiple times with evidence of INACCURATE INFORMATION. XXXX is not removing the inaccurate information and violating my rights. 
All complaints and evidence of inaccurate information is listed below. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I have 2 pending transactions for XXXX for each stay at a XXXX XXXX XXXX stay in which the room and tax has already finalized and the incidentals held were released from the hotel but has not been released from Venmo. In their policies it states that I would need to wait 30 days for the hotel business to finalize. The dates of my stats are XXXX XXXX XXXX as well as XXXX XXXX XXXX. I have contacted Venmo on numerous occasions and they keep telling me that they will make a claim, have someone email me, and make it right. I still have not received any of my money and I dont know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ready Capital Corporation
State: SC

Complaint narrative:
Multiple Issues 1. Taxes were not paid by escrow until XX/XX/2023 despite the first incorrect attempt on XXXX XXXX. Subsequent penalties were charged to me despite the fact the mortgage servicer was the reason for the fees. Had taxes been paid on time, no fees would have been incurred, thus the servicer is the reason for the fees and therefore responsible. 
2. RESPA violation regarding my escrow. Tax change in excess of {$5000.00} took place. Escrow buffer allowed is a maximum of 1/6 of total amount. Ther servicer has failed to update the escrow analysis despite multiple attempts. Refund due to me is thousands of dollars and payment adjustment is required. 
3. Initial incorrect tax payment of nearly {$9000.00} has not been refunded to my escrow balance.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-29 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: MO

Complaint narrative:
I've been working on repairing my credit for the past month or so. I've asked to update my personal information due the fact that they have all of my old addresses and misspelling of my names on my personal report. I would like for these to be deleted as soon as possible.

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 2023-03-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am writing this complaint to CAPITAL ONE. I sent them a letter regarding the inaccuracies in my report such as the date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15U.S.C 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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: Affirm Holdings, Inc
State: NY

Complaint narrative:
In XXXX ( XXXX ) I lost my job due to the pandemic, my job could not longer afford to XXXX XXXX  Immediately I contacted affirm and made the rep aware of the situation. I was told my due date could not be pushed back But due to the nature of the situation it would not be reported to the credit bureau. In the same month of XXXX I had a procedure that led to complications which prohibited me from getting another job immediately. I called affirm again to explore my options and I was ASSURED the loan info would not be reported to the credit bureau due to the extenuating circumstances far beyond my control ( an unforeseen pandemic ). After the rep stated it wouldnt be reported it was & my score dropped by XXXX XXXX.

I have been a customer for years and this is the only history of me not paying on time. 
A supervisor advised me that this can not be deleted from my credit report because the external factors were still within my control. Any competent person will note that Covid has had a direct impact on every economically factor surrounding America - especially income ( or lack thereof ). It is saddening to know affirm reps are aware how important credit is and have made 0 efforts to make the situation better. The reps have been very rude and have shown their lack of care to something very vital to my everyday life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act these creditors have violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a, section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This company has my address in correct I have called ma d provided the correct information my address is XXXX XXXX  XXXX XXXX XXXX Tx XXXX It is not XXXX XXXX XXXX XXXX mi

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
Convergent OutSourcing is trying to collect {$1200.00} for a utility bill from Texas. I don't live in Texas. I would never co -sign for anybody. The last time I have been to Texas was at 1994. I live in Florida. I Have outstanding credit. I have been working for the XXXX XXXX as a XXXX  XXXX for XXXX. I have reported this to XXXX everything was erased because it was fraud. This happened last year with another collector it was also erased but it came back again with this Collection Agency. Convergent energy asked me to file a police report as well. This is where I'm confused? Is this necessary? Your help will be greatly appreciated. Thank You Creditor : XXXX XXXX XXXX  # XXXX Convergent Acct 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 2023-03-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
TransUnion stated my account was properly investigated and yet again returned back verified XX/XX/2023. But how is that possible if the said Bankruptcy is still reflecting the incorrect Docket # number which is an ERROR, also it violates the FCRA Laws that all credit bureau 's must report all consumer information with 100 % accuracy. and they have shown once again they are practicing predatory ways of not doing real investigations and they need to be thoroughly investigated themselves! It's not right when Consumers point out obvious or any valid errors and the credit bureau 's are allowed to keep making it harder for us to fix our credit along with getting our credit score hurt preventing consumers like my self to have any real purchasing power for our families by the neglect of them.

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 2023-03-29 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: MO

Complaint narrative:
I have negative remarks that have been disputed with said companies and 30 days has passed and no updates to the request to remove the accounts that violate FCRA guidelines, and this is my second request for removal of these incorrectly listed items, the items are not reporting accurately to the credit bureaus. I have requested these entities remove these inaccurate ratings against my credit report causing severe hardship against my credit score that is in direct violation of FCRA guidelines.

Company response to consumer: Closed with explanation