vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
In XX/XX/XXXX, we stayed in XXXX to attend the XXXX XXXX. Shortly after the trip, charges from XXXX started to appear on my credit card. I immediately reported the card as compromised to Bank of America and filed a fraud claim. There were three fraudulent charges made : XX/XX/XXXX XXXX  XXXX  {$290.00} This has been refunded XX/XX/XXXX XXXX XXXX XXXX {$300.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$400.00} After waiting for over a month, I called to see what happened to the two charges made by someone at the XXXX. The person on the call said the claim got stuck and he was restarting it. I waited another month and nothing happened so I called BofA back again. This time, I complained that the I was being charge interest on those charges because they were still being reported as part of my balance. I also complained that the balance reported to credit bureaus was not accurate and was affecting my credit. The person told told me she would issue an immediate credit for {$710.00} plus any interest I was charged since the fraudulent charges occurred. 

As of today, there has been no adjustments made and BofA is not taking the necessary action. They are also nearly impossible to get on the phone.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Southwest Business Corporation
State: FL

Complaint narrative:
I am seeking a correction regarding an event occurring XX/XX/XXXX I was notified of a late payment regarding my account. My account was scheduled for auto-pay and I have enclosed an ACH transaction receipt number with this letter showing that XXXX withdrew XXXX from my account. After speaking with XXXX customer representatives to rectify the situation I was instructed to fax proof to the XXXX XXXX  department, the enclosed ACH transaction number was sent in the fax. After sending the fax there was no follow-up or communication from XXXX regarding the issue or notifying me that the investigation was closed. 
This error caused my account to become delinquent and according to XXXX customer service representatives, this caused my auto-pay scheduled for XX/XX/XXXX to not draft since XXXX had not credited the XX/XX/XXXX payment. At no time has my account settings changed to deactivate auto-pay. As I have not been delinquent prior with auto-pay scheduled and functioning properly, I was unaware that the payment was not drafted until receiving correspondence from XXXX. Most recently I spoke with a customer service representative that notified me that the last written request sent in XXXX, XXXX to address this issue was closed without my notification and XXXX investigated the wrong date and event. From this conversation occurring on XX/XX/XXXX I was notified that a ticket with roughly the following information was executed by XXXX in XXXX of XXXX. 
TICKET NUMBER : XXXX CONFIRMED WITH CLIENT TICKET. 
TO REVERSE PAYMENT ON XX/XX/XXXX AND APPLY ENTIRE {$3700.00} AS A PRINCIPAL CURTAILMENT. 
A series a XXXX Reversals on the account payment history to occurred on XXXX XXXX along with a Principal Curtailment of {$3700.00}. On XX/XX/XXXX the funds appear to be inappropriately reapplied as mortgage payments. This caused me to have to pay an additional mortgage payment on XX/XX/XXXX to bring my account to good standing as XXXX had not credited any prior payment spanning from XXXX to XXXX as current. XXXX has reported a negative credit report that should not have occurred, which has severely affected my personal XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 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: FL

Complaint narrative:
A couple of months ago I saw my XXXX score drop XXXX points. I called capital one than I was told to call XXXX. I talk to a support agent who informs me I have had a unauthorized hard inquiry on my account that I need to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: IN

Complaint narrative:
Name : XXXX XXXX XXXX FHA Loan no : XXXX Last Friday XX/XX/2023, we are scheduled to close our loan at XXXX. On the day of closing, they said they can not do it because I have a previous FHA loan from another lender and I can not have 2 FHA loans at the same time. Its true i did have a previous loan from another lender but the purchase of that house did not push through and i was told by my previous lender that it was cancelled. However, it did not appear that it was cancelled. my issue is how come they did not see this on file to be resolved before the closing day? So we had to call our previous lender to have it cancelled and have FHA cancel it on their part as well. So now our closing got moved today, XX/XX/2023. My lender told me 100 % sure to close. STILL that is not the case. FHA has not cancelled our previous loan on their part which they have been working on since last friday. Up to right at this moment I am still waiting for them to send closing documents to my lender to be able to close today. Roughly it is taking them one whole working day to do this documents. Please understand we are living a hotel, paying it by the day. We just moved here from Indiana as a XXXX XXXX and we are losing money by the day paying hotels, eating out, missing work for the scheduled closings that keeps getting cancelled. If i have known how terrible this situation is going to end up i would have gotten a conventional loan instead. Somebody out there is not doing what they are supposed to do timely and efficiently.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Berlin-Wheeler, Inc. (Kansas)
State: TX

Complaint narrative:
Dear Sir/Madam, I am writing to dispute and lodge a formal complaint regarding an account that has been reported on my credit report. The account in question does not belong to me, and I have been diligently trying to resolve this matter to rectify any inaccuracies on my credit report. 

Account Information : Creditor Name : XXXX XXXX XXXX Account Number : [ Account Number ] Balance : {$0.00} Highest Balance : {$330.00} Opened : XXXX. XXXX, XXXX ( XXXX yrs ) Account Status : Closed Type : Paid Responsibility : Individual Account Remarks : Consumer disputes after resolution Original Creditor Name : XXXX XXXX XXXX Closed : XX/XX/XXXX Creditor Information : Berlin-Wheeler-KS, XXXX XXXX XXXX XXXX XXXX, XXXX, KS XXXX I have made attempts to resolve this issue by making a payment, hoping that it would rectify the situation and remove the account from my credit report. However, despite my efforts, the account remains on my credit report, causing significant distress and potential harm to my creditworthiness.

I kindly request your immediate attention and investigation into this matter. Attached to this letter are supporting documents, including proof of payment made and any other relevant documentation, which clearly demonstrate that I am not responsible for this account. I urge you to review the evidence thoroughly and take appropriate actions to rectify this error promptly. 

I understand that the Fair Credit Reporting Act grants you 30 days to investigate and resolve disputes. I kindly request that you provide me with written confirmation of the steps taken to investigate my dispute, as well as the resolution of the matter. Additionally, I request that you provide me with an updated copy of my credit report once the investigation is completed. 

Failure to address this dispute adequately and in a timely manner may result in further legal action, as I am prepared to protect my rights under the Fair Credit Reporting Act. 

I appreciate your prompt attention to this matter and look forward to a swift resolution. Please feel free to contact me at the phone number or email address provided below should you require any further information or clarification. 

Thank you for your immediate attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: CO

Complaint narrative:
I purchased my home on XX/XX/XXXX with a 5 % down conventional loan. I made my first payment on XX/XX/XXXX and have never been late or missed a payment. On XX/XX/XXXX I requested, in writing, removal of PMI. I received a message on XX/XX/XXXX from my loan servicer, United Wholesale Mortgage, that I could pay an estimated fee for an appraisal or BPO and Loan to Value needs to be at 75 %. I replied on XX/XX/XXXX asking for more information as to how they are able to require a 75 % XXXX under the Homeowner Protection Act and clarity on the payment for the appraisal and BPO. I have not received any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
In XXXX I was sent a credit card statement saying that I owed {$99.00} for a credit card with CitiBank that I never applied for. 

I have never received the card and do not want it. I will not pay {$99.00} for a card I do not want and will not use. This seems like a scam to me. When I called the XXXX number I got a person in a foreign country with terrible English who wanted my social security number which I will never give over the phone. 

I wrote a letter on XX/XX/XXXX to the CitiBank address on the statement and I have never gotten a response. The company has no working email address on their website. 

I tried the chat feature on the website. This time I got a phone call from a person with a thick Russian accent. She also request my SSN, which I did not give to her. 

I continue to get threatening emails from CitiBank. I no longer get the robocalls because I blocked the number. 

I can not give anyone the credit card number because I never received the card and it is not on the statement. It gives the last four numbers as XXXX. Is there a way to resolve this without giving someone my social security number?

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 2023-07-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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. 
XXXX, XXXXXXXX XXXX XXXX XXXXXXXX

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 2023-07-10 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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. 
XXXX, XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10 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: GA

Complaint narrative:
On XX/XX/2023 I submitted a dispute for and investigation on the reporting of XXXX XXXX XXXX. As of XX/XX/XXXX I havent recieved any updates about my dispute. Its been 60 days. 15 USC 1681i-a states that a consumer reporting agency must do an investigation or delete item by the end of 30 days.

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 2023-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
On XX/XX/2022 I was XXXXXXXX by loanDepot with production requirements and a signing bonus/draw. I was only given 2 weeks from the date my license was transferred to the deadline where I was supposed to fund a loan. That contract set me up for failure not allowing enough time for me to fund any loans with the time frame given. I was also terminated based on discrimination ( I didn't want to turn on my webcam for a group meeting when lots of people didn't turn theirs on ) and it was not my decision to quit or break my contract with loanDepot. Before I signed the contract I was assured by the branch manager XXXX XXXX that as long as I was working and producing I would be ok which I was doing. I had loans in escrow and approved. I have been repaying the draw monthly but I also noticed my consumer rights were violated FDCPA/EFTA by loanDepot when they charged my credit card without a written authorization form on file. I would like the remaining balance waived by loanDepot with a letter releasing me of any debt they claim I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
When I was reviewing my credit report on XXXX XXXX, I noticed on my EQUIFAX report that it had an additional address that I have NEVER lived at before. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX I do not have family/friends that live in or around California and have never been to California until just recently. On my XXXX account, this address does not show. I am not sure how to go about removing this address from my name as this should not be tied to me in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I made a purchase to XXXX and the charge showed up as XXXX. This was on XX/XX/2023. THE CHARGER WAS POSTED ON XX/XX/2023. I wrote an email on XX/XX/2023 informing them they fraudulently overcharged me. They agreed and change the {$48.00} to {$38.00}. After receiving the product I made the decision to get a refund and wrote another email stating so and their guarantee of 30 days was within 15 days when I contacted them. They responded asking for photos. I explained I could send them for I was on vacation less than two week later I sent pictures. Since then they have not responded to my email with any instructions. I filed a dispute with Capital One case # XXXX. I have sent 20 pages of information they requested and now they want proof of return. I explained that the seller isnt responding to me to give me any info. They said its not their fault and rejected my claim. This is so unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: UHG, LLC
State: CA

Complaint narrative:
XXXX XXXX denies having any open account with me, yet debt collectors keep calling my spouse during his working hours trying to get hold of me. I tell him to give them my number but they are relentless. I called XXXX and they deny any of this and gaslighted me over the phone as if I am imagining things. They then said call UHG at XXXX, whom UHG referred me to XXXX XXXX XXXX at XXXX. I need this to stop or I am considering harassment small claims options. I was a homeless Veteran when the judge made his/her decision and I had a lawyer, but here we are. I paid the account and it is considered paid in full by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 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: CA

Complaint narrative:
I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that these information is 100 % true, accurate and correct. 
My credit report is showing late payments XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the companies customer service representative. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. Since you CLAIM TO HAVE VERIFIED THESE ACCOUNTS BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION.

I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listed XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX 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