vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-28 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: NV

Complaint narrative:
On XX/XX/2021 Bank of America allowed a company called XXXX to clean out my bank account. They stole over {$1000.00} and left my account over {$100.00} in the negatives. As a result, I will not be able to pay my rent in 5 days, and will incur {$150.00} in late fees, as well as risk being evicted. I have never paid my rent late once, but because of Bank of America 's gross negligence, I will have a mark on my rental history. It is bad enough that Bank of America denied me a secured credit card for no legitimate reason, or that they have been charging me fees that I did not agree to for the past 2 months, OR that they don't allow customers to dispute transactions via the app, but obviously they do not care to protect their customers ' assets, either. They are TERRIBLE at customer service, and I want nothing more to do with 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 monetary relief
Consumer complaint received 2021-01-28 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: CITIBANK, N.A.
State: CA

Complaint narrative:
its simple is it legal for CC companies to report negative things to the CREDIT BUREAU while the DISASTER PANDEMIC IS GOING ON BECAUSE I READ IN THOSE LAW XXXX I BELIEVE IT SAYS NO SCORE CHANGE OR LATE PAYMENT SHOWED??? IT WAS IN THE WEBSITE DFPI???

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 2021-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I obtained a credit report on the web. There is a Bankruptcy from the Clerk of Court, and U. S. Bankruptcy Court item recorded on this credit report. Per the FCRA 623 ( a ) ( 5 ) : " If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they should eliminate the said information from the buyer credit record ''. 

The Clerk of Court and the Bankruptcy Courts of the XXXX District of Florida have both mailed me letters which have stated that they don't give any information to credit detailing agencies, nor do they actually validate and or affirm openly available reports. 

It is the credit revealing agencies or other outsider suppliers obligation who gather information regarding public cases from openly available reports. Openly available reports information is NEVER validated or checked by the Clerk of Courts or by the Recorder of Deeds nor the U. S. Court framework because of the Fair Credit Reporting Act. 

I presently demand that you have this wrong violation of information revealing rebelliously eliminated. You have violated the law by making false statements. If not since I have all reports, I will look for litigation against your company and this letter will fill in as evidence I attempted to determine this issue.

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 2021-01-28 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Hello, I checked out of this place in XXXX. My reservation ended XXXX XXXX and I was given refund by the company. I had a feeling about these employees they seemed shady I blame them for this. I would like my charges to be refunded me and I guess cancel the card. Thank you. 


XX/XX/XXXX XXXX  # XXXX XXXX AK {$250.00} XX/XX/XXXX XXXX  # XXXX XXXX AK {$440.00} XX/XX/XXXX XXXX  # XXXX XXXX AK {$850.00} XX/XX/XXXX XXXX  # XXXX XXXX AK {$510.00} XX/XX/XXXX XXXX  # XXXX XXXX AK {$840.00} XX/XX/XXXX XXXX  # XXXX XXXX AK {$430.00} XX/XX/XXXX XXXX  # XXXX XXXX AK {$250.00} XX/XX/XXXX XXXX  # XXXX XXXX AK {$700.00} XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 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: OH

Complaint narrative:
PLEASE SEE ATTACHED RECEIPT FROM XXXXXXXX XXXX - ACCOUNT PAID IN FULL

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 2021-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
PLEASE SEE ATTACHED RECEIPT FROM XXXX. XXXX - ACCOUNT PAID IN FULL

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 2021-01-28 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: LEXISNEXIS
State: NY

Complaint narrative:
This company put it upon themselves to add a driver to my car insurance policy and now my rates are up that I can not afford. Based on a police report they assumed false information and did not ask my permission or ask me anything at all. I am trying to get this disputed and I have not been in reach with anyone because they dont answer their phone ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: MI

Complaint narrative:
Helvey and Associates has continued to report inaccurate information on my credit report after failing to provide verification that the account belonged to me. I submitted an identity theft to the cfpb when there was a data breach with XXXX and my information was used illegally. Helvey and Associates has continued to report this account even after not providing any contract or sign documentation. According to Metro 2 guidelines ( A collection agency debt buyer/ third party collections agency reporting shall not report after debt is paid in full. This is not an admission this is my debt, but I paided it off because my name was used to open this account illegal. I called the utility company and requested documentation and there has not been any verification that this is my account. Helvey and associates is is violation of fcra of reporting inaccurate information on credit report. This violation needs to be investigated and the XXXX needs to be notified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
XX/XX/2021 National Credit system - XXXX popped up on my stellar credit report with no warning. The credit bureaus have police reports and affidavit which indicates I have been a victim of ID theft. This above mentioned company was allowed to place this FRAUDULENT account on my credit report. This is not a company that i have ever given permission to access my information in any capacity. 

When I contacted said companies they were trying to collect information to alter said current records. I would not provide them with my current mailing address nor verify certain information. as any information obtained will be used for collections. They can not collect on something that is not mine. 

I have contacted the credit agencies however this company needs to remove said information expeditiously as possible from ALL CREDIT REPORTING PLATFORMS THAT THIS IS BEING REPORTED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 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: GA

Complaint narrative:
I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I refinanced my mortgage with XXXX in XX/XX/XXXX in order to take advantage of a lower interest rate and to lower my payment. My new mortgage payment at the time of refinancing was XXXX per month. This XX/XX/XXXX my mortgage payment unexpectedly increased to {$3300.00} which is an increase of {$570.00} per month. I have contacted multiple people from XXXX and I was told that I would need to contact NationStar as they were the servicer of the Loan. After multiple calls I was able to find out the escrow account was either underestimated, or running negative balance from XXXX of XXXX that was not accounted for when my refinance was processed. This led to me having an escrow shortage of {$5100.00} going into XXXX. Due to the negligence or carelessness of either Nationstar or XXXX ( during origination ) my mortgage payment has now increased 20 % to an amount that is considerably more that it was prior to my refinance. 

Nationstar has given me the option to make a one time payment for the full amount of the shortage or to spread it over the year. Nationstar also mentioned they may be able to spread the shortage over two years but it is still unclear as to what happened and why the shortage occurred. This appears to be a systemic problem as a fellow friend that is a veteran is also going through the same issue with Nationstar. Due to the substantial increase especially during this pandemic this not in the best interest for consumers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 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: BMW Financial Services NA, LLC
State: FL

Complaint narrative:
Bmw dispute My XXXX XXXX at XXXX XXXX was on the side of the road in a flood. The road side assistance left me stranded until XXXX XXXX on a XXXX XXXX. They never picked up my car until XXXX XXXX in the morning but it was too late the police towed it. I had to pay that tow and another tow to the XXXX XXXX. I take care of my mom because she has XXXX so my money is limited right now. They took 2 months after several calls and emails to give me back my money they even sent the wrong amount only {$300.00} they took forever to correct it and put the late charge of my XXXX that month on my credit. I was not sure if the car would be fixed or a total loss as well they shouldnt have done that the bmw rep told me that they would not harm my credit or o would not have to pay if the car was a total loss as well.. Now XXXX I was in XXXX 2 months due to my mother catching covid. The phone system I called when I was in XXXX to make the payment it did not put my payment through. I have had this car 3 years and never been late 2 months. I did not realize the payment did not go through. I have a new job With the irs and can pay the bill Im employed that is not the issue. They got my dispute for XX/XX/XXXX late just now because it was lost two times because they said they never received it. So I sent it priority mail. they took long to resolve the XXXX issue and now they are saying due to me being late now in XXXX they are not taking the other late report in XXXX. Using the other situation to try to justify their incorrect reporting. Yes someone can be a slow payer but Im never over 30 days. Its because I take care of my household and my mothers home its over whelming all the medical cost and all the bills. The phone system before I called one day before the final day to be paid before a fee would be charged and it would not go through! I called 5 times it is extremely long the automated service process when they are closed. I feel they do this to charge you extra fees. Its too ironic. The lease agreement for roadside assistance says the tow is included I want to report the hassle for the reimbursement and the late report incorrect report to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 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: GA

Complaint narrative:
I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

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 2021-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I deposited a large check into my account on XX/XX/2021. I was told that the money wouldn't be available until XX/XX/XXXX by the teller. I thought that a strangely long period to hold onto a check, but I just accepted it. Now, a sibling also made a similar deposit at another bank ( not Chase ) on the same date as I and the funds were made available two days later on Saturday, XX/XX/2021. So, if this smaller bank was able to verify and pay out a check within two days, what is Chase 's problem? 
On XX/XX/2021, I contacted Chase twice ; the first time at noon and the second at XXXX. The first time, customer service transferred me over to another department after telling me that maybe some of my funds could be made available to me. The woman in the department ( she did not give her name nor the department, which upon the subsequent call, I found out was the fraud department ), allegedly called the issuing bank and the lawyers office where the check was written but surprisingly could not get in touch with anyone at either office to verify this check. This took 35 minutes and no resolution. Unsatisfied, that's when I made the call at XXXX. XXXX, in the fraud department ( I had to ask his name and department. They don't offer this information upfront which I don't understand what the point of the secrecy is ) all but told me that I was being investigated for fraud. I never have and never will be involved in criminal behavior. This is MY money that I entrusted to Chase and this is how they treat customers. Is it because I'm otherwise a working class person ; not rich enough to be treated humanely? Is it XXXX? Now I'm offended and feel discriminated against. I also am now behind on debt that I would have been able to rectify if Chase did not have such ridiculous practices. I understand a large check being deposited needs to be verified but why does it take 7 to 10 business days to do that when another bank was able to do it in 2? I know that Chase has received the release of my money from the other bank and they are just holding onto it for no other reason but to be unprofessional and uncompromising. As of this complaint, one of the two accounts that I have with Chase is overdrawn. I expect Chase to do away with the overdraft fees since this situation is one that they've created. I've had money in my account since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
Hi, I was actually talking to a representative from Portfolio Recovery Associates and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below. Please remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 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: GA

Complaint narrative:
I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 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: FL

Complaint narrative:
XXXX dispute My XXXX XXXX at XXXX XXXX was on the side of the road in a flood. The road side assistance left me stranded until XXXX XXXX on a dark road. They never picked up my car until XXXX XXXX in the morning but it was too late the police towed it. I had to pay that tow and another tow to the XXXX XXXX. I take care of my mom because she has XXXX so my money is limited right now. They took 2 months after several calls and emails to give me back my money they even sent the wrong amount only {$300.00} they took forever to correct it and put the late charge of my XXXX  that month on my credit. I was not sure if the car would be fixed or a total loss as well they shouldnt have done that the XXXX rep told me that they would not harm my credit or o would not have to pay if the car was a total loss as well.. Now XXXX I was in XXXX 2 months due to my mother catching XXXX. The phone system I called when I was in XXXX to make the payment it did not put my payment through. I have had this car 3 years and never been late 2 months. I did not realize the payment did not go through. I have a new job With the irs and can pay the bill Im employed that is not the issue. They got my dispute for XX/XX/XXXX late just now because it was lost two times because they said they never received it. So I sent it priority mail. they took long to resolve the XXXX issue and now they are saying due to me being late now in XXXX they are not taking the other late report in XXXX. Using the other situation to try to justify their incorrect reporting. Yes someone can be a slow payer but Im never over 30 days. Its because I take care of my household and my mothers home its over whelming all the medical cost and all the bills. The phone system before I called one day before the final day to be paid before a fee would be charged and it would not go through! I called 5 times it is extremely long the automated service process when they are closed. I feel they do this to charge you extra fees. Its too ironic. The lease agreement for roadside assistance says the tow is included I want to report the hassle for the reimbursement and the late report incorrect report to my credit.

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 2021-01-28 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: SC

Complaint narrative:
Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2020 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 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: GA

Complaint narrative:
I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!

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