vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I spoke with Bank of America in XXXX and told them that I had been dealing with unemployment due to COVID, but would be starting a new job in XXXX. In early XXXX, a payment didn't clear my account and I immediately made a payment from my new account on XX/XX/XXXX. On XX/XX/XXXX, Bank of America closed my account without any notice after 17 years with them. A phone call, an email, a secure message or anything else would have stopped this. But I did not know I was even at risk of having my credit card that I have had for 17 years cancelled. At the time they closed my account, I was not delinquent and I currently have made my next payment. 

When I called them after receiving the letter about my cancellation, I spoke with one of their representatives who told me that my card was eligible to be reopened, but she needed to transfer me to a different department. That department informed me that there it was not possible to reopen credit cards and I would need to submit an application for a new card. 

This is ridiculous and credit card holders should be given some protection from having their card canceled with no warning and should not be lied to by their representatives about options. COVID has been hard on many people and FI 's are extending the struggle by taking actions that will stay on a credit report for years to come.

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 2022-01-28 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:
While checking my credit report, I notice an account from Capital One Bank that I believe is not being reported correctly on my credit report. On XX/XX/2021, ( See Attached ), I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2021, ( see attached ), again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the three credit bureaus, ( which is attached ), asking them to verify or remove the negative report on my credit report that Capital One Bank is reporting. So far, I have not gotten a response. As you can see, I have been dealing with this situation for almost a year with no success, so I am writing to you to help me with this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
On XX/XX/2022 I contacted EQUIFAX and submitted a Federal Trade Commission identity theft report along with a police report regarding fraudulent account, XXXX XXXX, that is on my credit file. I also requested that this account be removed and BLOCKed from my credit report. According to FCRA 15 U.S. Code 1681c2 the information must be blocked within 4 business days of receiving identity theft supporting documents. However, this fraudulent account remains on my credit file. According to EQUIFAX it will take 30 days for them to complete an investigation, not 4 business days. Note that all documents submitted to EQUIFAX are attached to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 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:
XXXX  XX/XX/2020 XXXX XXXX shows on my credit report as an inquiry when I did not authorize this. I need this deleted/removed from my credit report. 

Equifax XX/XX/2020 XXXX XXXX shows on my credit report as an inquiry. I did not authorize this. I need this deleted/removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: Earnest Inc.
State: DC

Complaint narrative:
I applied to refinance my law school student loans. During the application process, I was asked if I was a lawful permanent resident ( " LPR '' ) or U.S. citizen, but the application did not specify that the company discriminates between types of LPRs. As an XXXX who has applied to remove conditions, I made the appropriate selection, submitted my application, and the company pulled my credit. However, I was denied for the sole reason that I am not a U.S. citizen or 10 year permanent resident. I believe this constitutes alienage discrimination in violation of 42 U.S.C. 1981 ; discrimination, in violation of the California Unruh Civil Rights Act 51, et seq. ; and obtaining consumer reports without a permissible purpose, in violation of the Fair Credit and Reporting Act, 15 U.S.C. 1681, et seq. ( " FCRA '' ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate n suspicious things on my report to this day it has been over 45 days without any response received I am being ignored of my rights and is under complete stress caused by this failure to comply section 611 ( a ) clearly states failure to investigate these erroneous items on my credit report within 30 days leads to these items being removed immediately or I will file for litigation due to the emotional scrutiny and discomfort my information was also impacted by the equifax data breach and XXXX XXXX breach and may have reached the hands of a fraudulent person

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate n suspicious things on my report to this day it has been over 45 days without any response received I am being ignored of my rights and is under complete stress caused by this failure to comply section 611 ( a ) clearly states failure to investigate these erroneous items on my credit report within 30 days leads to these items being removed immediately or I will file for litigation due to the emotional scrutiny and discomfort my information was also impacted by the XXXX data breach and XXXX data breach and may have reached the hands of a fraudulent person

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 2022-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
On numerous occasions USAA has intentionally obstructed my ability to access and complete routine transactions associated with my account. 

Today, XX/XX/2022 USAA stopped me from making a same day transfer from a USAA representative payee account with my son into another USAA account in my sons name. As a result we had to have checks mailed to us. 

I then attempted to make a transfer from my USAA checking account into my sons USAA checking account and was told this could not happen on the same day because my sons account is not stored. 

I then attempted to make a wire transfer into my sons account and was denied the opportunity to do so. I was told I was not properly verified even though USAA made no attempts to verify me. 

I have been a member of USAA for 15 years and I have just recently began experiencing problems with the services I receive from USAA account. 

I believe USAA is engaging in this behavior at the request of my former employer, the XXXX XXXXXXXX XXXX XXXX, in retaliation for my filing a federal lawsuit for unlawful employment discrimination. 

I am using my sons email address so I can submit this complaint in writing rather than verbally over the phone. I do not currently use a personal email address due to unlawful hacking and invasion of my privacy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo has stated that previous modification was approved and that I did not accept the modification? Wells Fargo 's " modification '' was not a bonified modification, but rather another attempt to trap me into retaining the same toxic loan terms that put me in trouble in the first place. Wells Fargo did not thoroughly and methodically review my financial health as was required by judgement to do so. Had Wells Fargo reviewed my case and others fairly XXXX XXXX, DA for Florida at the time, would not have had to formally complain about the unfair reviews when assessing pick-A-payment victims for their just deserved " Assistant Modification. '' Instead of helping me retain my home under new and affordable payment terms Wells Fargo offered the same toxic loan options as before and mandated that I pony-up a considerable about of upfront cash that I simply did not have.. Customers baited into Pick-A-Payment loans were offered loan relief solely based on Wells Fargo 's unfair and discriminating loan evaluations. I contest the evaluation performed on my financial state at the time and will except nothing less than a thorough re-review of my case.

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 2022-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was checking my credit report and these accounts still on. I dont understand why you put this negative information on my account. I already sent few rounds of dispute about them. I believe that someone have my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
This Debt reporting on my Credit Report is not mine. I have no prior dealing with this company and with the debt that is attempting to be collected.

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 2022-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

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 2022-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
They never offered me anyloss mitigation or offered forebearance even after it was offered to other members. They refused my hardship. They've been really hard to deal with in that they won't wait for the mortgage assistance either. Also they talked about my foreclosure with my exes parents outside of my knowledge. Soliciting them to help me avoid foreclosure. Also they violated our member bank contract where they cashed checks out of my account that were not signed by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
On XX/XX/2022 I reported to Transunion that data was missing from my Credit Report and that such missing data negatively impacted my Credit Scores. Transunion responded that I should have the creditor report the data to Transunion. I responded the data had been transmitted and appeared on the reports of 2 other credit reporting bureaus. Transunion informed me that there was little or nothing they could do. 

I added a statement to my credit report indicating that an additional {$74000.00} in Available Credit was not being reported by Transunion and that failure to do so was negatively impacting the reporting of ( XXXX ) Available Credit, ( 2 ) % Credit Utilization, and ( 3 ) Total Credit Score and XXXX Score. 

I feel T/U should either report correctly or not at all.

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 2022-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am writing due to non-compliance with XXXX, Experian, XXXX. They have failed to remove information that was affiliated with personal details that were challenged in the past. They are in violation of the FCRA and are outright refusing to uphold the law. It has been more than 45 days without a response and I am requesting that the fraudulent items be removed from my reports. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.

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 2022-01-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
On or before XX/XX/XXXX, I, was under XXXX XXXX Bankruptcy, which was completed discharged in XXXX, because it was over. From XXXX until XXXX multiple payments were made to Mr. Cooper by the Bankruptcy XXXX and payments currently show that theyre unapplied payments. This was informed to us by Mr. Coopers representative that Unapplied Payments are payments kept and held by Mr. Cooper, but are not applied nor reflect on the statement, until the rest of the balance is provided, which means current balance and amount owed in the account is incorrect. On or before XX/XX/XXXX, I received a Loan Modification rejection, due to missing information and documentation. I was informed by Mr. Coopers representative that the documentation used for this request was from XXXX, which doesnt apply to my current economic situation in XXXX. The above-mentioned documentation was a copy of my bankruptcy, provided by my legal representative. It included information from 7 years ago, and it was informative not a formal request for a Loan Modification since the property was part of the Bankruptcy at the time. In XX/XX/XXXX, I and my Daughter spoke to another Mr. Cooper representative to communicate my XXXX  illness, irregularities on my statement and irregularities on the Loan Modification process.In addition to the above, I speak XXXX and all the information provided to me has been in XXXX. I informed all of Mr. Coopers representatives of my lack of understanding of the language in advance in the calls. On or before XX/XX/XXXX, a new Mr. Cooper representative provided my daughter and I with the correct Loan Modification process, online access information and where find correct Loan Modification procedures within your website. The representative added notes in my account of all the irregularities found in the account, and we informed the representative of how inaccurate information and internal improper processes in my account with from Mr. Cooper, has provided me emotional hardship and distress as an elderly person. Due to all the clear internal operational issues and the mismanagement of my account, I requested a deep review and investigation of my loan and no answer has been provided. So far it has been very complicated to obtain proper answers from Mr. Cooper and their lack of transparency makes it harder. Their rejections of loan modification are vague. My statements are incorrect due to the above reason and the interest are also incorrect since Unapplied Payments have not been applied.

Company response to consumer: Closed with explanation