vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am in escrow for a new build with Bank of America as my lender for the past 6 months. This is my and partners first home purchase. The whole escrow process has been smooth and my loan officer has been concise, informative and patient but I am having one road bump at the end of escrow. Well, my initial closing date was XX/XX/XXXX but the builders informed me my closing date is now XX/XX/XXXX which I was notified end of XXXX. As a result, it is less than 45 days left until close so we had to lock in rate. My credit report and co-applicants credit report were repulled since the previous were expired. We shortly found out that the balances on my co-applicants revolver balances and primary address were incorrect. We requested our lender to repull our credit reports since we had them fixed but Bank of America stated they will not repull since they have already pulled them and we are approved. Ultimately, this inaccurate information on our reports is going to cost us thousands in closing costs and increased our rate significantly. I tried contacting upper management but they denied our request stating that its against policy and that we are already approved. We can only get them repulled if we were denied or if the lock rate period is expired which is XX/XX/XXXX but this isnt going to work since itll push our closing date with the builders. At this point, were having to deal with the situation when it could be so simple to have our credits repulled.

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 2020-10-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: DE

Complaint narrative:
I bought a XXXX XXXX XXXX on XX/XX/XXXX and it was financed through credit acceptance which is located : XXXX XXXX  XXXX XXXX XXXX. XXXX Michigan and contact information is XXXX XXXX XXXX XXXX. Well on XX/XX/XXXX the truck was stolen and totaled. My insurance company sent me a letter which I have stating total loss and that they were paying it off but credit acceptance still didn't have the title so I kept paying it for 2 more months then credit acceptance took my auto pay off and stopped the payments well now as of XX/XX/XXXX they still don't have title 6 months later and have reported 60 days late on my credit report I want the late payments removed as this is their negligence. My insurance is XXXX XXXX they've had a check to pay this off since XX/XX/XXXX XX/XX/2020

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 2020-10-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
THESE ACCOUNTS WERE LISTED ON MY CREDIT REPORT, AND I NEVER OPENED THESE ACCOUNTS. MY INFORMATION WAS USED IN A DATA BREACH CAUSED BY THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.

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 2020-10-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: FCC Finance, LLC
State: PA

Complaint narrative:
Question loan amount Never sent information who took over account Was a 10 year account looked at last statement now a XX/XX/XXXX maturity date. 
I have asked for original loan documents not received yet since XX/XX/XXXX Question why current balance keep changing There was also a conflict with payments sent to another account not mine and my account had to be adjusted And now as if XX/XX/XXXX Being told no payments are due Seems prolonging this bill # XXXX On statement XX/XX/XXXX_XX/XX/XXXX No payment due

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Yet again a case of the credit companys not following the rules and listing accounts on my credit profile when the account was remove and then placed back on my file without proof that it is even my account this needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: FIFTH THIRD FINANCIAL CORPORATION

Complaint narrative:
I am Mr XXXX XXXX XXXX from XXXX XXXX. I would like to report a suspected money laundering and fraud incident and request a recall for a number of wire transfers made from my account in XX/XX/2020, in the total amount of XXXX USD. 
At the time these transfers were made, I wished to use the services of an online merchant by the name of XXXX XXXX, who I contacted through their website XXXX which claimed to provide me with facemasks. 
In order to receive the shipment, XXXX XXXX instructed me to transfer money to a specific beneficiary, XXXX XXXX, that had an account with Fifth Third Bank in the United States. 
After I settled the payment I expected to receive the masks. When I did not receive the masks that I paid for, they kept promising me that they would refund my money but have not done so. They are not replying to me any more. 
This situation has hurt me a loss and is a very big financial loss. I feel very stressed and need XXXX  help. 
I am reaching out to XXXX, to assist me by requesting the beneficiary 's bank, Fifth Third Bank to launch a fraud investigation against the beneficiary company, XXXX XXXX and reverse ( or recall ) the transfers if the funds are still available in XXXX XXXX 's account. Finally the beneficiary 's bank rejected my requesting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Yet again a case of the credit companys not following the rules and listing accounts on my credit profile when the account was remove and then placed back on my file without proof that it is even my account this needs to stop.

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 2020-10-22 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: TN

Complaint narrative:
THESE ACCOUNTS WERE LISTED ON MY CREDIT REPORT, AND I NEVER OPENED THESE ACCOUNTS. MY INFORMATION WAS USED IN A DATA BREACH CAUSED BY THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
THESE ACCOUNTS WERE LISTED ON MY CREDIT REPORT, AND I NEVER OPENED THESE ACCOUNTS. MY INFORMATION WAS USED IN A DATA BREACH CAUSED BY THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.

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 2020-10-22 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 — Their investigation did not fix an error on your report
Company: U.S. BANCORP
State: MA

Complaint narrative:
I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2020-10-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: KEYCORP
State: OR

Complaint narrative:
In XXXX, through Key Bank 's online credit card point service, I bought 3 plane tickets for a vacation trip I was planning for in XXXX. I called for a refund of the points and the {$200.00} I spent on the tickets and was told that a check was being mailed out to me fore the total value. I have called every month since then and they always say it is on the way, they have double and triple checked my information and mailing address multiple times and everything is correct, but it has been over 5 months now and I still have not received my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANYS DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.

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 2020-10-22 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANYS DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.

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 2020-10-22 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.

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 2020-10-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.

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 2020-10-22 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hi my name is XXXX XXXX XXXX. I live at address XXXX XXXX XXXX XXXX California XXXX. My date of birth is XX/XX/XXXX. the answer to my secret question is " what is your pet 's name? '' The answer is " XXXX ''. My debit card number is for XXXX. Expires on XX/XX/XXXX security code XXXX. My social security number is XXXX. 

I'm writing to you today to express concerns about possible corruption and inside jobs within your bank. My account was frozen for no apparent reason and once I got it confirm to be valid and not fraudulent by the EDD state they proceeded to activate my bank account again you got to learn that as of XX/XX/XXXX I was negative {$2600.00}. According to them I was negative because my temporary credit applied for my two disputes have been reversed automatically they said after my account has been frozen. I called more than a week ago to escalate a claim and I called back this Monday to find out that the only escalated one claim the supervisor claims that I would get my money in 3 days so far it's been a struggle to get ahold of anybody to check the status of my claim I was hung up on this morning rudely by a claims department representative. All I'm asking for is there a adjustment my disputes that haven't yet been investigated and also access to my funds that I've received from EDD I also asked do you look into the matters of your employees that haven't been helping people the proper way it's been noted on XXXX and other online forms about similar cases receiving no help whatsoever I need access to my funds as soon as possible feel free to call me at XXXX. I've been waiting about 10 for my negative account balance that shouldn't have happened to be reversed. If my account doesn't get reverse I won't be certifying any new benefits and I will be reporting this to the XXXX XXXX XXXX and the federal government to investigate fraud among the representatives of the bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
Capital one is reporting 120 days late on my payment history I didnt receive one notification also every person I talked to had nasty attitude and gave me they run around about late payment and its inaccurate the reason that Im worried because with this inaccurate information is Hindering me from getting aproved for any thing meaning a house or a car or anything I ask that this inaccurate information Be removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
Due to the limited amount of space to write the complaint, we will attach seven documents : one is the explanation of what transpired with the alleged refinancing, and the other six are exhibits supporting the written explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 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: NC

Complaint narrative:
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX To whom it may concern ; RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of identity theft. There have been accounts and services established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts are listed below. I have been in contact with the credit furnishers listed and have proven that the accounts do not belong to me. They have since closed the accounts in their systems, however, the accounts still remain in your records as active and valid. Because of your mismanagement of account information and unprofessional data being furnished, this has continued to wreak havoc on my financial life and has presented numerous challenged for me and my family. I urge you to remove these invalid entries, at once without prejudice. 
You must provide documentation as of its accuracy or remove it immediately without prejudice. 
XXXX XXXXXXXX XXXX XXXX XXXX ACCT : XXXX XXXX : {$2500.00} XXXX XXXX ACCT : XXXX XXXX : {$3500.00} XXXX XXXX ACCT : XXXX XXXX : {$7700.00} XXXX   XXXX XXXX XXXX ACCT : XXXX XXXX : {$270.00} You have also listed several addressed for which I am not associated. Your company apparently is practicing in reporting inaccurate information and listing addresses on consumers reports that they have never lived. The only address in XXXX that I have ever lived at is XXXX XXXX XXXX. 

The below addresses need to be removed from my reports immediately! 

XXXX XXXX XXXX. XXXX XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX NC XXXX I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with Equifax, XXXX, and XXXX via the CFPB. Investigations have been continuous and ongoing to no avail. 
This is again a demand to remove and block such information from the report in question. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX XX/XX/2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 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: NC

Complaint narrative:
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX To whom it may concern ; RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of identity theft. There have been accounts and services established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts are listed below. I have been in contact with the credit furnishers listed and have proven that the accounts do not belong to me. They have since closed the accounts in their systems, however, the accounts still remain in your records as active and valid. Because of your mismanagement of account information and unprofessional data being furnished, this has continued to wreak havoc on my financial life and has presented numerous challenged for me and my family. I urge you to remove these invalid entries, at once without prejudice. 
You must provide documentation as of its accuracy or remove it immediately without prejudice. 
XXXX XXXX XXXX XXXX XXXX ACCT : XXXX XXXX : {$2500.00} XXXX XXXX ACCT : XXXX XXXX : {$3500.00} XXXX XXXX ACCT : XXXX XXXX : {$7700.00} XXXX   XXXX XXXX XXXX ACCT : XXXX XXXX : {$270.00} You have also listed several addressed for which I am not associated. Your company apparently is practicing in reporting inaccurate information and listing addresses on consumers reports that they have never lived. The only address in XXXX that I have ever lived at is XXXX XXXX XXXX. 

The below addresses need to be removed from my reports immediately! 

XXXX XXXX XXXX. XXXX XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX NC XXXX I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with XXXX XXXX, and TU via the CFPB. Investigations have been continuous and ongoing to no avail. 
This is again a demand to remove and block such information from the report in question. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX XX/XX/202XXXX 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