vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America has determined to retire the credits of {$540.00} and {$140.00} they gave me for a claim I did due to some fraudulent transactions I saw on my account, based on a none trustable prove that is completely absurd, saying that decision was made because ( Ive been before on one of the places where the fraud was committed ), and of course Ive been there and who hasnt because they are very famous places to visit here on my city, XXXX everybody has visit those place before wish os a completely absurd excuses. I want everybody to know whats happening here that Bank of America is a bank institution that doesnt protect their client against these type of events wish is a terrible problem now these days where millions of people are victim of identity theft .also Im letting you know that Ill do everything on my power to let everybody know about my case on every social network and my friend circle who most of them have Bank of America account, and trust me they wont be happy at all with what you guy did to me

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 2019-11-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
Today is Thursday, XX/XX/XXXX. I made a payment on my Capital One credit card last Friday, XX/XX/XXXX. While my " current balance '' has gone down by the amount of my payment, my " available credit '' has not increased accordingly. As someone trying to keep their credit usage below 30 %, this is very frustrating. The company states that it takes around three days for a payment to post. There is no problem with the payment not posting -- the money has been withdrawn from my attached account and has posted to my current balance, but not to my available credit. 

My credit limit on this card is {$5000.00}. As you can see from the attachments, my current balance is {$320.00}, but my available credit is {$3600.00}. As reflected in the statements attached, I made the maximum allowed payment of {$870.00} on XX/XX/XXXX. While that payment appears to have been deducted from my current balance, it has not been so added back to my available credit. I am attempting to keep my available credit on this card above {$3500.00}, and this is a quite significant inconvenience. 

Thank you in advance for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 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: MO

Complaint narrative:
I have submitted a dispute with XXXX  twice with photos of evidence that a collection they recently placed on my credit report should not be on it. Legal documents from the court saying that the case was dismissed. And another legal document shows that the account is 12 years old and to old to be on my report.

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 2019-11-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Dear Consumer Finance, I have 2 credit cards with Capital One. I made payments on time, but after my XX/XX/2019 payments, I had hardship. I miss some payments. On XX/XX/2019, I contact Capital One Credit and talk to a representative about my 2 credit cards trying to take them out of the red. Well, the representative helps me in the wrong way. Instead of me paying a {$180.00} to card ending XXXX  ( balance {$480.00} ) I have a {$17.00} available credit and can't use it. ( This card is in good standing ) Do you know how embarrassing that is in a store when you can use your credit card after paying {$180.00}? I should have paid that amount to card ending with XXXX along with the {$110.00} I paid into card ending XXXX. The card ending in XXXX would have gotten out of the red and I could have used that card to purchase XXXX dinner and caught the XXXX XXXX sale. But I can't use either card now. I can't go to XXXX  or Capital One Cafe to make payments on either card because of the lockout. That same day I made the {$180.00} payment on card ending XXXX my XXXX bill came out that same day so that the XXXX payment went toward the XXXX bill. Only if that representative would have a better look at my account more closely I would have made the account ending XXXX in good standing and would be able to use the funds on that card. Then I would have made arrangements to catch up on card ending XXXX. That {$300.00} that went down the drain. I have a due payment of {$65.00} on card ending XXXX  and due payment of {$140.00} on card ending XXXX I found out after trying to get this matter to solve we are having language barriers and some representative not explaining about other programs that Capital One has that could have saved me the trouble. I get phone calls every day from Capital One banks and today on XX/XX/2019, I call Capital One bank this very nice representative that I spoke to say that some of the past representatives that I encounter are not leaving notes. This is so heartbroken to me and my grandson. I'm a single grandmother raising my XXXX-year-old grandson and look like this year will not be any better than last year. I'm trying to bill my credit up so that my grandson can go to college without any problem. I can't keep putting money on the card and I'm lockout. Please help me. 

Sincerely yours,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The fair credit reporting act states A CHARGE OFF should occur 180 days from the date of the first delinquancy.XXXX continually reported a charge off on my credit since XXXX, way past the legal limit .even though the balance was paid in full. 
Now they are reporting the account was closed in XXXX, more incorrect information ... ... Experian is taking their lead, AND WILL NOT AMEND, AND OR DELETE THE ACCOUNT FROM MY REPORT .The loan originated in XXXX, and ended in XXXX ... ..Once again it is paid in full ... ..XXXX IS ILLEGALLY RE AGING THIS DEBT! 
Now in XXXX the incorrect information remains on my credit and i want it removed, 11 years after the original date of inception.

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 2019-11-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Hanna Holdings Inc
State: PA

Complaint narrative:
I was purchasing a home thru Howard Hanna real estate and I have multiple issues with the company. First they denied me a refund on my appraisal and the appraisal was never done or scheduled. I did sign a document stating I would not be refunded if I failed to purchase the home due to my fault, this never happened I didnt purchase the home because once I received the information on the HOA and the master policy I did not agree with the terms. The HOA master policy was not given to me until after I made the offer on the home and I canceled the sale immediately. The appraisal was never scheduled. But they still denied me a refund. Second I am not ok with the way I was treated by my realtor XXXX XXXX and by the finance guy XXXX XXXX. Things were very unprofessional and very confusing to me and I have since moved on to another realty which I Am happy with. XXXX XXXX made me pay off all of my credit cards and close them out completely. XXXX XXXX tried to get me to put in an offer of 98 % of the asking price of XXXX and we settled at XXXX much less than 98 %. When I tried to talk to XXXX XXXX about my concerns he told me to take my business elsewhere. XXXX XXXX lost her patience with me and started screaming at me on the phone. I have consulted with 2 other realty companies and they agreed I should get my money back on the appraisal. Thank you

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 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: FL

Complaint narrative:
Despite my previous written requests for you to provide me with the name of the person in your company who verified that these accounts are accurate and belong on my file, what documentation did they use to verify that these accounts are accurate and belong on my file you ignored my rights and instead told me that you are labeling my dispute as Frivolous. Your actions clearly demonstrate your willful violation of the FCRA and I believe the Courts will agree when I present them with copies of my letters and your responses to them.

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 2019-11-07 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: NY

Complaint narrative:
I have contacted each credit company to remove XXXX XXXX XXXX XXXX NY XXXX off my credit file and XXXX XXXX XXXX  XXXX XXXX ny XXXX. Some companies have removed others have not. Only XXXX XXXX XXXX XXXX XXXX NY XXXX should be on file and no other addresses. Hope to fix this up if not fixed already thank you.

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 2019-11-07 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: MO

Complaint narrative:
I have a fraudulent account showing on my equifax report from a XXXX XXXX XXXX XXXX. I have never had any account from this company and I have tried working with equifax during the spring of 2018 to get this account cleared to correct my report. This account does not show on any other report of mine besides Equifax. I need this corrected, it is effecting me negatively and i have had issues being able to secure anything that requires my credit. There should not be any first financial account showing on my report because again this is not an account of mine and i did not open any accounts with this company ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 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:
Despite my previous written requests for you to provide me with the name of the person in your company who verified that these accounts are accurate and belong on my file, what documentation did they use to verify that these accounts are accurate and belong on my file you ignored my rights and instead told me that you are labeling my dispute as Frivolous. Your actions clearly demonstrate your willful violation of the FCRA and I believe the Courts will agree when I present them with copies of my letters and your responses to them.

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 2019-11-07 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:
Despite my previous written requests for you to provide me with the name of the person in your company who verified that these accounts are accurate and belong on my file, what documentation did they use to verify that these accounts are accurate and belong on my file you ignored my rights and instead told me that you are labeling my dispute as Frivolous. Your actions clearly demonstrate your willful violation of the FCRA and I believe the Courts will agree when I present them with copies of my letters and your responses to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
My name is XXXX XXXX, I had a checking account with Frost Bank and reported unauthorized charges on my account on XX/XX/XXXX via Frost webservice as instructed on website as well as in writing via mail due to me not being able to go to a branch due to illness. I never recieved any feedback regarding the disputes which also caused my checking account to be over drafted as well as accumulate fees and has since been sent to collections and is being reported to my credit report negatively and has caused me issues with opening another account due to XXXX  which would have been avoided if my claim was processed correctly and credited in a timely manner ( cardholder agreement states if notice is giving timely of unauthorized use and investigation requires 10 days or more temporary credit will be provided and visa agreement states zero liability. I was also missing credit from unauthorized charges I had reported in XXXX. 
Ssn XXXX Address XXXX XXXX  XXXX XXXX. 
XXXX XXXX Tx XXXX Phone:XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My account of 16 years with JPMorgan Chase was closed on XXXX after I scheduled transfers from my XXXX XXXX account the day after I was to be paid by my employer. Nobody in security contacted me to ask what was happening. I went to a local branch who contacted security for me and security refused to assist. Chase is being arbitrary and stating I am not permitted to open a new account under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
There was an " automatic '' payment taken from my bank account. The credit card did not have a balance. I did not make the balance or sign up for automatic payments.I called JCPenny and they stated that i had signed up, which i never did. I asked them to look at the history, no purchases were made. Auto payment was cancelled a year ago when the credit card was paid off.

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 2019-11-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Data Corporation
State: MI

Complaint narrative:
Back in XX/XX/2019 I had wrote three checks to XXXX and XXXX, I have waited two months after for the telecheck service to attempt present the checks to my bank, they never did cleared my account ive provide the telecheck company everything I got told to give them showing that the check didn't attempt to clear the account. My bank don't have any record of the checks. There are try to get me to pay returned fee. I've try to dispute it they disapprove my dispute.

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 2019-11-07 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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

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 2019-11-07 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: NY

Complaint narrative:
I have contacted each credit company to remove XXXX XXXX XXXX XXXX NY XXXX off my credit file and XXXX XXXX XXXX  XXXX XXXX ny XXXX. Some companies have removed others have not. Only XXXX XXXX XXXX XXXX XXXX NY XXXX should be on file and no other addresses. Hope to fix this up if not fixed already thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 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: NY

Complaint narrative:
I have contacted each credit company to remove XXXX XXXX XXXX XXXX NY XXXX off my credit file and XXXX XXXX XXXX  XXXX XXXX ny XXXX. Some companies have removed others have not. Only XXXX XXXX XXXX XXXX XXXX NY XXXX should be on file and no other addresses. Hope to fix this up if not fixed already thank you.

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 2019-11-07 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: Knight Adjustment Bureau
State: UT

Complaint narrative:
Knight Adjustment # XXXX is double reporting an account with the bank on my credit. This account has also been paid off and is still reporting a balance and I never received a notice for my 30 day right to dispute in the first place. I need this removed off my credit as they are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On my credit report shows a bunch of names for me. I was told by each credit check company all names would be removed except XXXX XXXX & XXXX XXXX XXXX. Any other names like XXXX or XXXX or last name being spelled wrong was suppose to come off my file. I'm hoping to get all this fixed up on credit file. Thank you.

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 2019-11-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ditech Financial LLC
State: AR

Complaint narrative:
DITECH IS NOW IN BANRUPTCY, WHEN SERVICING OUR LOAN, THEY DENIED SHORT SALE ETC..THEY CAUSED $ XXXX IN LEGAL AND ATTORNEYS FEES IN EXCESS OF $ 10K.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Removal of fraud alerts

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 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: UT

Complaint narrative:
XXXX XXXX # XXXX is double reporting an account with the bank on my credit. This account has also been paid off and is still reporting a balance and I never received a notice for my 30 day right to dispute in the first place. I need this removed off my credit as they are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 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: UT

Complaint narrative:
XXXX XXXX # XXXX is double reporting an account with the bank on my credit. This account has also been paid off and is still reporting a balance and I never received a notice for my 30 day right to dispute in the first place. I need this removed off my credit as they are in violation.

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