vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
XX/XX/XXXX I went online to place a travel notiice under my account in Bank of America from XXXX, sc to XXXX XXXX, TX. The application and online banking removed the option to notify of any travel notice. while I was in Texas my phone was barely receiving any services and I was house sitting a sick dog. On XX/XX/XXXX there were two suspicious transfers done through XXXX to a name " XXXX  XXXX '' for two withdrawals of {$1500.00}, final total of {$3000.00}. After these two transactions I was never notified of any suspicious transactions by text, nor email. I would go out to eat and get gas and I was still able to use my debit card as usual with no denial. On XX/XX/XXXX I attempted to sign into my online banking through my phone and it was not working, then I tried on my laptop and still was not working. After these failed attempts, I called Bank of America and was informed that my accounts were locked/frozen because of suspicious activity. I was confused because these transactions were already two weeks old. I then followed up with a freud complaint, I changed my username, passwords, and also closed my savings account and opened a new account to transfer the remainder of my funds. I was informed by the fraud help line that the dispute would take 10 days and my money would be refunded into my account. I trusted the process and waited. I continued to check and did not see any refund of my {$3000.00}. On XX/XX/XXXX I attemted to log back into my online banking and once again could not log in, i attempted on a desktop and failed again. I repeated the process and called BAnk of America and was informed once again that my account was locked/frozen. I informed them that i was confused because we already fixed this issue. they then informed me that this block occured on XX/XX/XXXX. I was yet again NOT contacted about any block or frozen matter on my account. And at this moment I asked for an update on my fraud claim and I was informed that they denied it because they saw no fraud cause. I do not understand because I was never contacted by phone, text or email about my Fraud claim updates or denial and any heads up on freezing my account. When attempting to log in I am asked to insert bank card number as well as my SSN and then I am told there is no match! it should match being that i am the owner of the account!

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 2021-07-24 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax is reporting a collection account on my credit report from XXXX XXXX XXXX and is reporting an original amount of {$2600.00} this amount is erroneous the right original amount is {$2600.00}. Attach to this dispute I am sending a letter from the original creditor where it shows the original amount to prove my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24 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: LA

Complaint narrative:
I have not received any confirmation on how you have verified the alleged accounts attached in Exhibit C and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court, if need be, as evidence of my trying to rectify the subterfuge that you are reporting. ( Copied from attached Affidavit ) *****

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24 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: FC HoldCo LLC
State: FL

Complaint narrative:
XX/XX/XXXX, our vehicle was deferred for 2 months due to the covid pandemic and catching up on bills. We never received any 1. Paper bills. 2. Actual, live person calls ( they only used to send automated ), 3. Any email correspondence. Which is where my husband gets his bills. Nothing. They sent it to collections when a month wasnt paid. But when he logged into his account with the loan, it even showed his account in the " green '' meaning, he was all caught up, due to the deferral. No one tried to contact him or me. Apparently, due to his pay, he'd originally set up weekly payments to equal the total each month. ( He gets paid weekly ), EVEN THOUGH, once they sent this to collections, they finally tell us " oh we don't do weekly payments. Because the amount they set him up for, he was a bit short for the month. '' But it was THEIR REPRESENTATIVE who came up with the amount, approved it, and his loan was in covid-19 deferral. They also had incorrect phone numbers in their system ; and our old address from 6 months prior. Though, my husband had called to update. Flagship supervisor XXXX, said they'd take care of it, and if we dispute it. It should come off. It didnt. They STILL refused to drop it though our account is paid up, and it was in deferral, no bills or late notices were sent to any contacts, and our contact info was wrong.

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 2021-07-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion is reporting a collection account on my credit report from XXXX XXXX XXXX and is reporting an original amount of {$2600.00} this amount is erroneous the right original amount is {$2600.00}. Attach to this dispute I am sending a letter from the original creditor where it shows the original amount to prove my claim.

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 2021-07-24 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
The reason for dispute is because Transworld Systems is reporting a 1st day of Delinquency of XX/XX/2016 on my credit report from XXXX. The Alleged procedure was performed on XX/XX/2016 so how can I be delinquent on the same month of the alleged procedure, Transworld systems has violated my hippa rights by totally ignoring any grace period and sending me directly to collections ruining my credit and preventing me from enjoying the benefits of a good credit, Attach to this dispute I am providing you a letter send from TRANSWORLD SYSTEMS where it shows the procedure and the date on dispute and a copy of this account on my credit report from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XX/XX/XXXX, our vehicle was deferred for 2 months due to the covid pandemic and catching up on bills. We never received any 1. Paper bills. 2. Actual, live person calls ( they only used to send automated ), 3. Any email correspondence. Which is where my husband gets his bills. Nothing. They sent it to collections when a month wasnt paid. But when he logged into his account with the loan, it even showed his account in the " green '' meaning, he was all caught up, due to the deferral. No one tried to contact him or me. Apparently, due to his pay, he'd originally set up weekly payments to equal the total each month. ( He gets paid weekly ), EVEN THOUGH, once they sent this to collections, they finally tell us " oh we don't do weekly payments. Because the amount they set him up for, he was a bit short for the month. '' But it was THEIR REPRESENTATIVE who came up with the amount, approved it, and his loan was in covid-19 deferral. They also had incorrect phone numbers in their system ; and our old address from 6 months prior. Though, my husband had called to update. XXXX  supervisor XXXX, said they'd take care of it, and if we dispute it. It should come off. It didnt. They STILL refused to drop it though our account is paid up, and it was in deferral, no bills or late notices were sent to any contacts, and our contact info was wrong.

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 2021-07-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: AMERICAN HONDA FINANCE CORP
State: NJ

Complaint narrative:
I have previously submitted this complaint before All what happened that the dealer ignoring my complaint and Honda called me to let me know that they cant do anything to fix the problem and they said to me go after the dealer and it has nothing to do with us here in Honda financial USA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC
State: CT

Complaint narrative:
My mortgage company CrossCountry Mortgage is supposed to pay for my NCIP flood insurance policy from my escrow account. They failed to do this, claiming that NCIP never sent them a bill. They never received a bill because they never provided the correct billing address to my insurance broker. Since my flood insurance policy was about to elapse on XX/XX/XXXX, I paid the renewal for {$1400.00} out of pocket and provided proof to my mortgage company that I had paid it on XX/XX/XXXX. I have demanded the mortgage company to reimburse me for this amount from my escrow account multiple times and they have not reimbursed me. The first time I had called them on XX/XX/XXXX, they told me I would get a check in approximately 15 days once they received the proof of insurance. When this did not happen, I called them again and they told me they would not reimburse me until XXXX. This mistake is not my fault. The mortgage company was supposed to pay my flood insurance policy in the first place and I can not wait this long to receive the reimbursement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24 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: Colony Brands, Inc.
State: KY

Complaint narrative:
I had to make a down payment before the item was sent I received the item it was broke I sent the item back have yet to receive any kind of credit and have also made several payments without it showing on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24 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: CA

Complaint narrative:
As of XX/XX/XXXX XXXX reports my FICO score is XXXX. XXXX  then pulled the information from XXXX XXXX and Equifax. XXXX XXXX report at my FICO score as XXXX and the number had not been updated since XX/XX/XXXX. Equifax report of my credit score is XXXX and that information also had not been updated as of XX/XX/XXXX. Last week I went ahead and got a free copy of my credit score from XXXX XXXX and my score dropped to XXXX. There is NO reason for my score to drop to XXXX because weve had on time payments for almost 2 years. The problem is were trying to refinance our mortgage and this is Greatly hindering us. We had a really bad financial crisis from XXXX to XXXX. Weve had to settle debts and have worked hard to get a scores back up. XXXX  is the only agency that has raised our score considerably. Based on the information that XXXX  got from XXXX XXXX and Equifax those two score should be considerably higher too. XXXX XXXX is not and has not been updating our score accordingly. Therefore we have not been given credit for our on time payments which is keeping us from being able to refinance our home and lower our payment so that we can expedite paying off the rest of our debt. I feel that XXXX XXXX, whatever their model, is designed to keep people from progressing. The system is very flawed and it keeps people in a state of being poor. They can never progress or get better because companies like XXXX XXXX wont allow them to! So I would like an investigation done into XXXX XXXX & Equifax as to why our scores are so incredibly different than XXXX  when weve worked really hard to get our score back up, and we continue working hard to settle and pay our debts so we can be in a better place. There should be a lot more oversight on these credit bureaus. I filed a dispute with XXXX XXXX I never got a notification saying the dispute was settled in suddenly my score went from XXXX to XXXX. But that was after I told them that our mortgage servicer had deleted all of the missed payments. Until then no matter what we did our score never budged and that is a great cause for concern. Also I would very much appreciate it if you could send me some thing, some sort of law that specifically says that the credit bureaus are REQUIRED to report my bankruptcy for up to 10 years. The Fair Credit Reporting Act says that they May. I would like to get that removed in XXXX of this year. So I need some thing that says that they are REQUIRED by law to report. Because as far as my research has shown there is nothing that says if they are REQUIRED by law, it simply says that they May. Please provide the source, or cite the source thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Frost-Arnett Company
State: SC

Complaint narrative:
The company is bogus. The name is Frost-Arnett and they claim to represent XXXX XXXX XXXX. That isn't even the name of the company anymore XXXX XXXX XXXX XXXX. They claim I owe them {$150.00} and the date is XX/XX/2021. Their company address is XXXX XXXX XXXX XXXX, TN XXXX. Their phone number is XXXX XXXX XXXX XXXX XXXX and their website address is : www.facpayments.com. Please take care of this fake company immediately ....

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
I applied to the Public Service Loan Forgiveness ( PSLF ) program and my federal student loans were transferred from XXXX to FedLoan Servicing, a requirement of the PSLF program. FedLoan accepted me into the program, but rejected ( for false reasons ) the vast majority of the payments I made on my student loans over the past 10 years. I have made, upon my review, 50 qualifying payments on one loan that were deemed " ineligible '' payments and 41 qualifying payments on a second loan that were similarly deemed " ineligible. '' Almost all of these rejections were based on a payment being made late, even though they were made on time. I submitted evidence of these timely payments to FedLoan Servicing a month ago and have gotten no response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-24 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: LA

Complaint narrative:
I have not received any confirmation on how you have verified the alleged accounts attached in Exhibit C and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court, if need be, as evidence of my trying to rectify the subterfuge that you are reporting. ( Copied from attached Affidavit ) *****

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 2021-07-24 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: LA

Complaint narrative:
I have not received any confirmation on how you have verified the alleged accounts attached in Exhibit C and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court, if need be, as evidence of my trying to rectify the subterfuge that you are reporting. ( Copied from attached Affidavit ) *****

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 2021-07-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
On XX/XX/2021 I reviewed all three credit reports and noticed capitol one is reporting inaccurate information on my credit reports with all three bureaus. the debt in question is from a credit cards ending in ( XXXX ) Capitol One reported a balance owed of {$330.00}. This card was paid in a settlement agreement between XXXX XXXX XXXX, myself & Capitol One. I called Capitol One on XX/XX/2021 at XXXX XXXX  Mountain Standard Time & spoke with a Customer Service Representative named XXXX. She informed me there is no balance shown on any of the accounts & informed me to call all three credit bureaus. The problem with that is i already have disputed this information and capitol one still is reporting inaccurate information on my credit reports with XXXX, XXXX  & XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC
State: TN

Complaint narrative:
I notice this company via certified mail. I was never noticed my mail from SUNRISE CREDIT SERVICES who will be responsible parties to this complaint. According to violation of The Privacy Act of 1974 ( 5 U.S.C. 552a ) requires that the following notice be provided to you : The authorities for collecting the requested information from and about you are 421 et seq. Privacy act laws require authorization or no action can be taken. Show all pages of the assignment document that XXXX XXXX sold the account, providing what day it was purchased, how much it purchased for authenticated copies of information that XXXX XXXX XXXX Corporate Office sold this alleged debt?. I deny any and all affiliation between XXXX XXXX XXXX and SUNRISE CREDIT SERVICES Copy of any communication sent to XXXX XXXX before reporting to the credit reporting agency ( ies ) Front and back copy of an authenticated application bearing XXXX XXXX XXXX autograph? Any documentation given by SUNRISE CREDIT SERVICES authority to report on XXXX XXXX XXXX 's consumer credit reports. 

I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties. This looks SUSPICIOUS AND DECEPTIVE ; I demand proof TO SEE valid authorization/proof of alleged debt. Reporting without valid proper disclosure requirements is in direct violation of my consumer rights. I ( name of complainant ) legally requested a description of the details of verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply to these regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company.

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 2021-07-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: LA

Complaint narrative:
I am having a problem with Coinbase and Coinbase XXXX, My account has has restricted acces for over 6 months. I can not move crypto currency around and despite numerous attempt to resolve thru customer support all I get is canned email replies with no details on what the issue is. They have no way of ta ; king to a live agent and for a public compant this is simply unexcusable! If I had to rate this company It would be " 0 '' based solely on their complet lack of customer support.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bay Area Receivables, Inc
State: NY

Complaint narrative:
The company Bay Area receivables posted a bill on my credit without due process I never got a notice to respond within 30 days prior to finding out that I had a pass due bill with a hospital. I had no knowledge of the bill and thought medical took care of it. The company did not afford me the opportunity to clear the debt if owed prior to posting it on my credit and/or to verify if the debt was infant owed or not or something my insurance would take care of. Just wasnt afforded due process

Company response to consumer: Closed with explanation