vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NE

Complaint narrative:
On XX/XX/2022, I was notified by bank of america email that some suspicious activity was on my visa credit card. My card was placed on hold that same day ( unable to be used, and unable to view account on-line ). 
I contacted bank of america fraud department XXXX on XX/XX/2022 and with them determined some XXXX XXXX charges from a state in which I do not live were fraudulent. That {$68.00} fraudulent XXXX XXXX charges were removed from my account on XX/XX/2022. 
B of A then cancelled that credit card and issued me a new one, mailing it on XX/XX/2022. I have not received the new card yet. 
On XX/XX/2022, I noticed a {$3000.00} ACH PAYMENT REFUND charge on the same account, but I ( or any bank of mine ) was NOT the recipient of that money. 
Side note - bank of america accepted my recent XX/XX/2022 payment from a valid bank account of mine, so it should have been easy for them to confirm the {$3000.00} ACH PAYMENT REFUND was going to the correct account, but they obviously did not. 
On XX/XX/2022, I called and spoke with more than 6 people at B of A trying to resolve the fraudulent ACH PAYMENT REFUND. I just keep getting placed on hold and talking to different people - fraud, account services, back to fraud, etc. The last person I spoke with said I'd have to go do a bank of america location in person ( nearest location is over hour away ) and show 2 forms of ID to lift restrictions on my account. They won't even discuss any more with me unless I do that. 
Just wanting that fraudulent {$3000.00} ACH PAYMENT REFUND removed from my account, as it did not go to me or any bank account of mine.

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 2022-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: DE

Complaint narrative:
My Mortgage has been paid in full since XX/XX/2022 Select Portfolio Servicing Inc. ( SPS ) legally has to complete the RELEASE OF ALL LIEN ( s ) AND SATISFACTION OF LIEN RELEASE WITHIN THIRTY ( 30 ) DAYS OF THE PROPERTY BEING PAID IN FULL!

I have waited the legal Thirty ( 30 ) days required by the State of Delaware and State of Maryland. 

I now want a full release of the lien ( s ), satisfaction of lien ( s ) release and full confirmation that my property is free and clear with the XXXX XXXX of Delaware - Recorder of Deeds office. 

This has gone on way to long and I will not wait another day to have this completed as it only takes a couple of minutes for Select Portfolio Servicing Inc. ( SPS ) to get this done with the State of Delaware and XXXX XXXX in Delaware.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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: FL

Complaint narrative:
On XXXX of XXXX, I was advised by an attorney I consulted that there had been a loading error when account was transferred to XXXX from XXXX. This I was given incorrect information by XXXX. The attorney also stated that although it was their fault and they incorrectly reported to the credit bureau as late, I had to pay the installment I was told by XXXX not XXXX pay on XXXX of XXXX. The negative reporting began on XXXX of XXXX, when the lender reversed the credited amount. As a result I made the missing installment on XXXX of XXXX. Its only fair that the negative reporting is reversed as the error was on the lenders part.

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 2022-04-15 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I did not open this account I do have another account with this company they opened the account by themselves with a different address so I never got invoices and wasnt able to pay the bills now Im late 120 days

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: AZ

Complaint narrative:
I am trying to remove my primary mortgage insurance from my conventional mortgage. I am current on payments, been paying for over 2 years as the law requires. I contacted the company via email on XX/XX/22 to find out what appraisal company I needed to use to remove it. I have not received any response. When I call them, they say the mortgage insurance dept can only be contacted by email, and they do not have a phone number. 

I called again today, and they said they sent a letter on XX/XX/XXXX but I did not receive it. The letter said I was partially denied, and I needed to get an appraisal done by a company of their choosing, but they did not tell me what company and can not be contacted. The customer service person on the phone said I have to email them again and wait more months for a response. 

I am paying {$61.00} a month when I don't have to, and this company is collecting this money in breach of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-04-15 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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: Shellpoint Partners, LLC
State: FL

Complaint narrative:
On XXXX of XXXX, I was advised by an attorney I consulted that there had been a loading error when account was transferred to NewRez/Shellpoint from XXXX. This I was given incorrect information by Shellpoint. The attorney also stated that although it was their fault and they incorrectly reported to the credit bureau as late, I had to pay the installment I was told by NewRez/Shellpoint not to pay on XXXX of XXXX. The negative reporting began on XXXX of XXXX, when the lender reversed the credited amount. As a result I made the missing installment on XXXX of XXXX. Its only fair that the negative reporting is reversed as the error was on the lenders part.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
On XX/XX/2022 a check for approximately {$2100.00} was stolen from my apartment leasing company XXXX and fraudulently cashed. 

The check was written to XXXX and an individual simply signed their name on the back and TDbank cashed it. 

On XX/XX/XXXX an affidavit of forgery was completed and notorized with TDbank. They have since provided no substantial updates and have ignored several calls. 

Additionally, the TD fraud center said they did not receive the case until XX/XX/2022 when I spoke with them today XX/XX/2022.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: NJ

Complaint narrative:
XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, NJ XXXX Story on XX/XX/2022 where the pipe broke in the basement located on XXXX XXXX XXXX, XXXX, NJ XXXX. XXXX, owner XXXX XXXX called XXXX XXXX XXXX XXXX, which XXXX XXXX called back and I describe the situation asking for quote, and I did not asked XXXX as emergency for this job. I also called other similar company, yet XXXX decided himself to do immediate work and XXXX told me will submit the invoice to my insurance company without giving me Estimate/Quote. Today, I received the XXXX page XXXX, stated EMERGENCY DRYING SERVICES PER ESTIMATE, the invoice description is absolutely INCORRECT, as I stated above, XXXX failed to provide me the quote and XXXX called himself this project as EMERGENCY also false. 

Since XXXX XXXX threaten to sent to collection agent, which is XXXX did I agreed to pay {$4000.00} XXXX XXXX XXXX, is VOIDED I will filed criminal against XXXX XXXX and XXXX XXXX power dry by attempted SCAM against XXXX XXXX failed to provide the estimate and called XXXX himself as project XXXX EMERGENCY for this work

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-04-15 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I went to the Hospital, was fully insured, gave my insurance card at the time ( they ALSO had it on file ) Was billed anyway but was never sent a bill until it was already in collections!!! XXXX removed it, however XXXX and Experian " Validate '' the debt XXXX knows HOW but they do Proof of insurance attached as well as proof that what was done is 100 % covered!!!

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 2022-04-15 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: DISCOVER BANK
State: MI

Complaint narrative:
On XX/XX/2022 I filed a CFPB complaint that Discover was NOT reporting to the credit bureaus that I have a Discover Account # XXXX XXXX XXXX XXXX as an authorized user. 

I also filed this complaint with XXXX, XXXX and XXXX to confirm with Discover that I am the owner of that account. 
After no proper response I filed the claim again on XX/XX/2022 with Discover, and all 3 credit Bureaus. 
On XX/XX/XXXX, Discover sent me a letter agreeing with all my claims and promised they would provide the proper information to XXXX, XXXX, XXXX and XXXX. ( see Discover letter attached ). This account is reported on the XXXX of every month and although Discover reported for 4 other authorized users for same account ( see attached XXXX  update showing the Discover account was updated on XX/XX/2022 for another authorized user ) Incredibly Discover has either failed to follow through or the credit bureaus are deliberately withholding the information. Therefore, as my right I am requesting Discover provide me the date they reported the correction to the credit Bureaus including a copy of the AUD form they claim to have submitted to XXXX, XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: ME

Complaint narrative:
I am both a Chase credit card and Chase checking customer. I make payments to my Chase credit card from my Chase checking account. Chase immediately reduces my available funds in my checking account by the payment amount on the day I instruct the payment using their online banking service, however, they delay applying the payment to my credit card until the next business day. 

Most recently, I made a significant payment of {$6400.00}, which again, was not applied until the next business day but was deducted from available funds the same day. Interest accrued would be {$2.00}, which while trivial, occurs whenever I make payments. 

My complaint is that the funds are always within Chase. Their failure to credit my credit card balance, while they have debited my checking balance, is simply rewarding themselves at my expense. If I were to pay an external card with Chase checking funds, I would expect those to be immediately debited even though it may take 1-3 days for the ACH payments to be credited to another financial institution. But this funding one side of the same bank ; there should be no delay and no additional accrual of average balance interest. 

Please contact me if more information is required.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Last year XXXX of XXXX I sent a dispute to Agency requesting an investigation into this account that was reporting wrong information and they sent to me saying the information was verified. On XX/XX/XXXX I sent a dispute by mail to Experian regarding this account that was still reporting the error showing a late payment for the account that was Never late asking for them to re investigate and to send me the method of verification that was allegedly given. Today is XX/XX/XXXX and I was NEVER notified of the status of the investigation nor given verifiable proof of late payment as I requested. I also contacted the original creditor and upon my request by phone and mail they were not able to give me proof of a print out of my statements, payments made or my payment history nor did they give me the original contract as requested. I feel I am being bullied! This account was paid in full, and the alleged month that I made a late payment was my last payment to complete the full payment of loan. I did not make sure ALL my payments were on time to get to the last payment to not pay. My account was up to date and paid on time every month up to that point. I had my debit card connected to my account on autopay so there is NO way I could have had a late payment as shown on my account. Again I completely paid off this account with NO late payments or derogatory marks. This account is incorrect and erroneous. At this point I am very frustrated as I am being taken advantage of by being misrepresented by this Credit Reporting Agency of my effectiveness and ability to pay back my debts and obligations on time and I have worked hard to keep all my accounts in good standing. This is unacceptable! Please help me with this situation before I have to spend my time and money seeking litigation for monetary compensation that's owed to me by federal law for this misrepresentation and unwillingness to investigate into this matter properly. This incorrect information being reported is a hinderance as well as not true I demand that it be corrected. I also stated my information was involved in the Experian data breech and could be the reason my information is represented wrong, either way I just would like to represented correctly when it comes to my payment history for this 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 explanation
Consumer complaint received 2022-04-15 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: CA

Complaint narrative:
The name of the Fraudulent financial institution is " XXXX XXXX XXXX " This account was opened by somebody else without my knowledge on the XXXX XXXX, 2021. 
The Balance on this account is {$5100.00} I have made many attempts to resolve this fraudulent issue with the bank. However they disregard my claim since the fraudster used all of my personal information. I have filed a complaint numerous times with the federal trade commission. This is my last attempt before getting attorneys involved. Please help me remove this account from my credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The name of the Fraudulent financial institution is " XXXX XXXX XXXX " This account was opened by somebody else without my knowledge on the XX/XX/2021. 
The Balance on this account is {$5100.00} I have made many attempts to resolve this fraudulent issue with the bank. However they disregard my claim since the fraudster used all of my personal information. I have filed a complaint numerous times with the federal trade commission. This is my last attempt before getting attorneys involved. Please help me remove this account from my credit bureaus.

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 2022-04-15 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: CA

Complaint narrative:
The name of the fraudulent financial institution is XXXX XXXX XXXXXXXX XXXX This fraudulent account was opened by somebody else on XX/XX/2021 in the amount of {$10000.00} This account is a fraudulent account and I have filed a complaint to the federal trade commission center. Ive sent paperwork and all necessary docs to all 3 credit agencies. From the 3 agencies only EQUIFAX has taken NOT removed this account. Please delete this fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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:
A dental insurance company charged my credit card ( XX/XX/2022 ) for a service that I told them that I didn't want any longer. In return, XXXX not only charged my account but them billed me over {$100.00} in past due fees. I was finally able, after many phone calls, to cancel the credit card. Finally on XX/XX/2022, XXXX sent me an email advising me that they resolved my dispute, my account had a ZERO balance. 

This morning I received an email from XXXX XXXX that there was an update to my credit report and credit line. I always had an excellent credit rating, now it is good! I am very upset because especially at this point in my life, I'm XXXX now, I took and take great pride in my credit and my reputation. 

I have tried calling XXXX and TransUnion, being placed on hold, then disconnected.

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