vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have had a Bank of America Credit card for 25 years. On XX/XX/2020 I received an email from BAC stating they had closed my account for inactivity ( 5 months ) and a delinquency on my credit report. I received a letter today from BAC saying my XXXX XXXX score is XXXX but when I checked it is XXXX. I believe they closed the account because the interest rate was only 7.9 %. I have never in 25 years made a late payment. 
To add insult to injury I received an email today from Bank of America offering me a new credit card ... at a much higher interest rate.

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 2020-08-05 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On or about XX/XX/2020 i submitted a consumer statement to experian to be added to my credit report no. XXXX despite repeated calls and emails experian refuses to add it to my 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 2020-08-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: WI

Complaint narrative:
On XX/XX/2020 XXXX Law ( Law offices of Mitchell D. Bluhm and Associates ) reported a collection account on my credit report from XXXX XXXX XXXX XXXX for {$960.00}. I was never made aware of this debt from the original creditor or the collection agency unitl on or about XX/XX/2020 when I began applying for a mortgage company and was made aware that is was negatively impacting my credit score from the mortgage agent and causing issues with my approval. On XX/XX/2020 I immediately contacted my insurance company XXXX of Illinois to find out what the issue was, I was informed that this should have been paid by the insurance, but due to a billing error betweein the hospital, medical group and insurance company it was not. Since any emergency issues are covered at 100 % under my insurance policy I was not aware of the outstanding balance. XXXX  of Illinois made arrangements to send payment to XXXX XXXX to pay the amount in full that day and said it would be processed in 7 days. I then contacted XXXX XXXX and left a message concerning the account. I recieved a voice message back on XX/XX/2020 confirming that it was a billing error and that they were contacting XXXX ( MBA Law ) to remove the account from collcetions and that I should expect a letter from the collection agency confirming the account was removed. I waited 2 weeks then contacted MBA Law to find out the status of the removal. They said I still owed the account. I asked if they had been contacted by XXXX XXXX and they stated that they had not. I understand things take time, however I asked MBA Law what I could provide them to expedite this since it is holding me up from obtaining a mortgage and she said she would " note my account '' and that I needed to show them proof it was paid. I asked if we could contact the creditor to confirm payment and was placed on hold she again said she said I would need to provide proof to them. I said I needed this removed completely from my credit report and not just show it as paid, and again she stated she would notate my account and that was pretty much it. I do not understand how a collection agency does not have to offer any information or a solution as to how to get the issue resolved with them when it is clearly an error on their clients part and causing a hardship. They are refusing to take any action to contact the creditor and resolve this issue or provide me with what is needed to have this removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-05 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: CBC Companies, Inc.
State: TX

Complaint narrative:
I recently obtained a copy of my credit report from XXXX, XXXX, and XXXX through annual credit reports. It indicated that a credit inquiry was made by your company. However, this inquiry was not authorized by me I did not apply for a home on XX/XX/XXXX. Therefore, I am writing to dispute this inquiry and have it removed from my credit report. 

Please have this inquiry removed from my credit report, as it is having a negative effect on my loan applications and my acquisition of credit. Please send me a letter stating that you did so feel free to upload it XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I disputed a transaction with airlines and it took 4 months for Bank of America to respond and finally the airline responded with false information and the bank denied my dispute, they just accepted the merchant word without any due diligence work or any verification.

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 2020-08-05 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hopefully this complaint isn't overkill. 

With covid-19 in our lives it seems like everything is taking far longer than it should. Packages are intermittingly arriving late, appointments are being delayed, and in general things aren't being done on time if at all. Due to all of this I no longer have trust that things will get done appropriately or in a timely manner. As such, I have decided to file this complaint against XXXX, Experian, and XXXX XXXX. 

On XX/XX/2020, I sent a notice by mail to all three credit bureaus. There is a collection that is reporting with all three bureaus and I know this account is far more than XXXX years old. I told them the account hadn't had activity in more than 7 years and therefore it needed to be removed. We are on XX/XX/XXXX and I still don't have any notices. Instead of waiting to see if it arrives later, I took the pre-emptive stance to file this complaint to make sure the credit bureaus respond to it. Please understand my credit is my lively hood and I take it very seriously.

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 2020-08-05 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: AZ

Complaint narrative:
Equifax continues to report an accounts that have not been verified. 

Accounts : XXXX XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX account number XXXX Equifax has responded amd stated that these accounts are valid. They supplied no documentaion showing my obligation to pay these accounts. Equifax did supply a contract with a unknown company XXXX XXXX XXXX the same documents sent to me from XXXX XXXX XXXX. There is no contract showing I owe XXXX XXXX XXXX. Its also shows that these are two different companies. ( Please see Arizona secretary of state business information attached ) XXXX did not provide their licensed information proving the validity of their company or their authorization to collect in the state of Arizona. I have no knowledge of any such account with them or XXXX XXXX XXXX and would like to have the original contract sent to my showing my wet signature. XXXX XXXX has no business with me and never has had any business with me. XXXX XXXX and XXXX XXXX bank have not been verified or validated as well there are no documents that I have received showing my obligation to these organizations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 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: CO

Complaint narrative:
Opening this complaint in response to XXXX XXXX XXXX closing complaint XXXX and not addressing the complaint. XXXX response to XXXX was completely and totally misguided and did not address the complaint. XXXX responded about payment history etc. and the complaint was about an address! 

TO BE CLEAR - This is a complaint about an incorrect address for XXXX/XXXX for disputing credit reporting. Equifax is providing an incorrect address for XXXX/XXXX! Providing an incorrect address is a FCRA violation. Not sure who is to blame, Equifax or XXXX, but this is a FCRA violation! 

Equifax clearly lists the address for disputes with XXXX XXXX XXXX as XXXX XXXX XXXX XXXX, XXXX, NC XXXX. The correct address for XXXX ' NC location is XXXX XXXX XXXX XXXX, XXXX, NC XXXX. XXXX XXXX XXXX also has an address in TEXAS - XXXX XXXX XXXX, XXXX, TX XXXX. WHAT IS THE CORRECT ADDRESS for disputing information with XXXX XXXX XXXX? This address provided by Equifax has been incorrect FOR YEARS!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: GA

Complaint narrative:
They referred me to try to use their product online and not the amount telephone so now all my time that has been wasted trying to link the account together and now I will try online

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 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: AR

Complaint narrative:
I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. XXXX XXXX XXXX {$740.00} XXXX XXXX   XXXX $ XXXX XXXX {$1100.00} XXXX XXXX XXXX {$430.00} XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
My wife and I obtained a mortgage on a property at XXXX XXXX, XXXX Texas in XXXX and the mortgage was sold to Mr. Cooper in XXXX. The problem started this year in XXXX when we made a principal reduction which left a balance on the loan of approximately {$48000.00}. This would have put the loan to value on the property at 15 %, of which I assumed PMI would have been cancelled, however, I recently learned while trying to close out this loan it was not cancelled. I was told I had to call the PMI department to have them cancel it because unless a client requested it they will keep charging the PMI regardless of the LTV. 
We later paid an additional principal amount in XXXX which we thought would have paid off the loan. We then called to get a payoff amount and we received the payoff quote of {$820.00} which we paid on XXXX. However, I received a current statement from Mr. Cooper in the amount of {$2400.00} dated XX/XX/XXXX. I started the process of reconciling this issue with Mr. Cooper, I talked to 5 people on recorded lines at Mr. Cooper at different levels of the organization. Each time I was told different things from yes I see where this mortgage should have been closed out in XXXX to my last call last night where I was told I did owe the money and the only thing I can do is pay the now owed {$800.00} principal and interest out of my escrow account to close out this mortgage. I agreed to this because I now have a collection agency hired by Mr. Cooper calling me and texting me about my past due payment. I have also been charged late fees and they are still charging me the monthly PMI premium of approximately {$130.00}. I have requested a full review of the account from the agents I have spoken with and they have told me they will get the accounting review team involved but nothing as happened. I don't believe we owe the additional amount of {$800.00} which I agreed to have taken out of my escrow account in order to just move on in this situation. It is unbelievable to me that they have hired a collection agency to call and text me about my payment that is past due that I don't believe I owe. This whole situation has not been handled well, I have been told different scenarios, escalate to people and nothing is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have recently reviewed my credit report and I would like to inform you of the inaccurate reporting on my creditfile. See list below. I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. In pursuant to the FCRA section 609 ( A ) ( B ) ( C ) I would like the name, email address, the addressand telephone numbe r of the person who furnished and verified this derogatoryinformation with Transunion. Further I am also requesting verification of the dates, originalpayee information, amounts of any and all payments that led to this alleged debt beingplaced on my Transunion consumer file. All information in pursuant to the FCRA section 609should be mailed to XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. I am disputing andrequestinginformation on the following. 

Account Name XXXX XXXX XXXX.Account Name -XXXX XXXX.Account Name -XXXX XXXXAccount Name-XXXX/ XXXX XXXX XXXX XXXX XXXX 
Account Name-XXXX XXXX XXXX XXXXAccount Name XXXX XXXX XXXX Failure to properly investigate the accounts listed above will result in a " non- verification '' which requires that the inaccurateinformation be immediatelyremoved from my credit file. 

If any item ( s ) return as verified please provide all records in regard to FCRA section 609. 
I also understand that the Fair Credit Reporting Act - specifically 15 USC sections 1681i ( d ) and 1681j - requires that I receive both written notificationof the appropriate corrections and updated credit reports at no charge. 
Thank you for your attention to this matter. 
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 2020-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hopefully this complaint isn't overkill. 

With XXXXovid-19 in our lives it seems like everything is taking far longer than it should. Packages are intermittingly arriving late, appointments are being delayed, and in general things aren't being done on time if at all. Due to all of this I no longer have trust that things will get done appropriately or in a timely manner. As such, I have decided to file this complaint against XXXX, XXXX, and Trans Union. 

On XX/XX/2020, I sent a notice by mail to all three credit bureaus. There is a collection that is reporting with all three bureaus and I know this account is far more than 7 years old. I told them the account hadn't had activity in more than 7 years and therefore it needed to be removed. We are on XX/XX/XXXX and I still don't have any notices. Instead of waiting to see if it arrives later, I took the pre-emptive stance to file this complaint to make sure the credit bureaus respond to it. Please understand my credit is my lively hood and I take it very seriously.

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 2020-08-05 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: CA

Complaint narrative:
Hopefully this complaint isn't overkill. 

With covid-19 in our lives it seems like everything is taking far longer than it should. Packages are intermittingly arriving late, appointments are being delayed, and in general things aren't being done on time if at all. Due to all of this I no longer have trust that things will get done appropriately or in a timely manner. As such, I have decided to file this complaint against Equifax, XXXX, and XXXX XXXX. 

On XX/XX/2020, I sent a notice by mail to all three credit bureaus. There is a collection that is reporting with all three bureaus and I know this account is far more than 7 years old. I told them the account hadn't had activity in more than 7 years and therefore it needed to be removed. We are on XX/XX/XXXX and I still don't have any notices. Instead of waiting to see if it arrives later, I took the pre-emptive stance to file this complaint to make sure the credit bureaus respond to it. Please understand my credit is my lively hood and I take it very seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I recently got a copy of my credit report and I notice that some of the information reported was incorrect. i contact the creditors and the credit bureau and asked for any information bearing my signature. As of today I have not receive any documents with my signature on it. Please help me with these issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-05 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 — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
Someone used my credit card and opened a XXXX account and purchase unauthorized stuff. Comenity Bank ( BJs Credit Card ) Investigation group is recharging me because they said that the charges came from XXXX. When I opened my XXXX account, which I haven't used in 4 years, It listed an expired credit card and no transactions for the last 180 days. 
I now see a thread someone opens an account with XXXX fraudulently uses an unauthorized credit card and Comenity automatically pays XXXX and I'm still responsible. 
The original charges were made on XX/XX/20 for {$490.00}, {$140.00}, and {$100.00} to a company called " XXXX   XXXX CA ''. When I originally called Comenity, they took the charge off my account. Those charges were put back on my account on XX/XX/20. 
How do we resolve this?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
A fraudulent charge was made on my XXXX XXXX XXXX debit card on XX/XX/17 from XXXX in the amount of {$420.00}. The claim was resolved and closed from XXXX XXXX XXXX in my favor on XX/XX/17. 
Claim # XXXX amount XXXX money was refunded. 
Over 3 years later I get a bill from a collection agency Transworld systems inc saying I owe XXXX XXXX for a charge made on XX/XX/17. I mailed in the claim number from XXXX XXXX XXXX. But Transworld wants a claim from XXXX, I have tried to contact XXXX but they have not contacted me back other than giving me a case # and we will research this in order of inquiries. Transworld should be fine with the letter from XXXX XXXX XXXX showing it was closed and resolved. Which I mailed to them a copy of and showing the charge on my statement from XXXX and showing it was refunded. I have also asked Transworld to mail me an original bill from XXXX and they have not provided me with it. 
XXXX invoice # XXXX Transworld regitration code XXXX I do have a case number from XXXX XXXX  XXXX Reference ID : ref : XXXX : ref

Company response to consumer: Closed with explanation