vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-20 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: TX

Complaint narrative:
I took out a loan for a vehicle that I purchased in XXXX  with XXXX XXXX. A year later I was in an accident and my insurance company totaled out the car and paid almost {$7000.00} to the balance of the vehicle. The total amount of the loan was {$11000.00}. The amount that I paid on the loan between my payments and the insurance payment was {$11000.00}. 

XXXX has listed on my credit report the account had late payments and then closed with a charge off of almost {$3000.00} still owed. I have the records of all payments made on the account that are directly from my XXXX account that lists the car payments made every month, on time as well as the check payment from the insurance company. I have reached out to XXXX and Experian about the issue and still have no resolution. Any assistance you can provide would be greatly appreciated. 

Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC.
State: CA

Complaint narrative:
We recently refinanced our homes with XXXX XXXX XXXX. The refinance was initiated on XX/XX/2021. The refinance was completed on XX/XX/2021. The loan was paid off in full ( see proof of statements attached ) to our current bank -- Guaranteed Rate, XXXX. and servicer XXXX XXXX XXXX. The receipts show that the principal balance was paid in full on XX/XX/2021. We received updates from our new servicer, XXXX XXXX XXXX, requesting for payments starting XX/XX/2021. On XX/XX/XXXX, we received yet another letter from our old lender/servicer ( Guaranteed Rate LLC. ) informing us that the servicing of our loan is now transferred to XXXX starting XX/XX/2021. We now have two lenders asking us to pay two mortgages on the one loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have noticed I have many instances of Misinformation reported about me which is fraudulent. I have no knowledge of how the misinformation of these fraudulent inquires came to be I have noticed I have many instances of Misinformation reported about me which is fraudulent. I have no knowledge of how the misinformation of these fraudulent Inquires and Ban accounts came to be. I have not authorized misuse of my personal or any information have never received any benefits of the product, or services. I filed a police report and I filed a complaint with the Federal Trade Commission about this matter.

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 2021-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery repeatedly calls my phones number. Every time I block their phone number, they call from a different number. They have called me over XXXX times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-20 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: TN

Complaint narrative:
Transunion has violated my rights serval different times and ways. I am a victim of identity theft. I have sent in and reported serval times to Transunion and have asked for them to validate the date with proper proof of debt and they have totally disregarded. 
I have used the 605b of the FCRA to report identity theft with police reports and ftc reports and the do not honor and when they did block and remove they further violated FCRA 611 ( a ) ( 5 ) ( B ) by placing back on my credit file without giving me notice in the 5 business days allowed by the fcra the accounts are XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Hello, I have been with BOFA since in college this was very disappointing. 

I would like to request to restore my credit limit because I need to increase or keep my restored credit store for housing purpose. 

BOFA is gambling with my credit score. 

Based on the following ground BOFA should take in account to restore my credit limit. 

1. For many years due to a divorce my card was maxed out and I was paying minimum.

Late last year, I paid off almost 50 % of the total outstanding balance.

2. No evidence of excess use of the card since paying off 50 % 3. There was late payment during COVID19 peak - where I informed the bank I was impacted and lost my father to COVID19. 
4. When I lost my card, reported it immediately and informed BOFA I need a card. Due to the Postal Issue during Election time, my bills and card everything came late. Which I informed BOFA. This delay was across the board with all creditors 5. Payments were made to BOFA on the new credit card.

6. I requested customer service few times to set up auto-payment because I felt soo much is going on everywhere where payment can be missed. The customer service advised to set up on-line banking. 
7. There is issue with online banking - I found out it didn't take my pay and later saw the error message online banking not accepting payment to be paid ( see screen shot ). So I went back and paid through my XXXX Account. I should not be penalized because Customer Service refused to set up payment and on-line banking gives an error message to pay online. 
8. No other creditor lowered my credit limit. 
9. I check XXXX XXXX often no record of delinquent reporting. 
10. BOFA never disclosed why the limit was decreased except for " Per our Review '' 11. I am a XXXX XXXX XXXX  employee which means my employment and salary is secured under all circumstance unless there is a Nation Wide crisis.

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 2021-02-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Credit bureaus are reporting late payments on my credit report that are incorrect, all 3 credit bureaus are non cooperative in getting the proper information and have not showed me any proper investigation and or reports from the creditor showing that my payment was late, I have an outstanding credit history and to to improper reporting from this creditor and the 3 credit bureaus, I am suffering financial harm which is due to the negligence of the 3 credit bureaus towards my credit score.

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 2021-02-20 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Credit bureaus are reporting late payments on my credit report that are incorrect, all 3 credit bureaus are non cooperative in getting the proper information and have not showed me any proper investigation and or reports from the creditor showing that my payment was late, I have an outstanding credit history and to to improper reporting from this creditor and the 3 credit bureaus, I am suffering financial harm which is due to the negligence of the 3 credit bureaus towards my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 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: FL

Complaint narrative:
a credit fraud alert was placed on my credit with EQUIFAX over 7 years ago. I have tried to remove this fraud alert with equifax numerous times, after 7 years this fraud alert should no longer be active, it causing harm to my ability to open credit and it is inconvenient. Equifax does makes it hard for fraud alerts to be removed, I am not able to get my free credit report as the law allows it due to this fraud alert.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 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: AES/PHEAA
State: OH

Complaint narrative:
I filled a dispute awhile ago in regards to the incorrect information on my credit report. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: VA

Complaint narrative:
In XXXX oXXXX XXXX, I complained to your bureau because AmeriSave was taking so long to process a refi. Your file for the complaint is XXXX. It's now late XXXX and AmeriSave has yet to complete the loan and every few days, after being told the loan file is complete and has been sent to underwriting, I get yet another email demanding updated info that I supplied to them again and again, with no end in sight. Included in those emails are demands for information that do not even correspond with the type of business I operate, suggesting that whoever is in charge does not know what they are doing. They delay and delay, and then tell me they can not process the loan without yet another round of P & L 's and bank statements. I would recommend this company only to someone I hate.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: WI

Complaint narrative:
On XX/XX/2019 my truck was totaled. The insurance company decided to total it out due to the air bag and the damages. A week later my insurance company paid the blue book value of the truck with the miles that was on it. I had to go back and forth with XXXX for 2 months so to get them to pay the remainder balance. Then once that was done. I get a bill from them stating I owed them {$1800.00} I called them trying to figure out how. It seems like since the pay out wasn't payed all at once they kept the number rolling. I made sure they got their money before i even go a car myself. Putting all my energy into making sure they got theirs first. I was hurt in the accident and still going threw pains and issues from the accident. I need you to look into my situation about this matter at hand. I can look for paper work to support my case at hand to prove all thee above stated is true. I really need you guys to make right by this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: BAM Management US Holdings Inc.
State: PA

Complaint narrative:
I put in XXXX dollars last year thinking I would use it, but did not and I went on Binance site to withdraw the money to my bank since I wired the money from the bank, on their site withdraw does not show anything and the XXXX That I put in so I asked them to send me a check well they do not send checks so the XXXX is just sitting there and I can not get it out because it does not show up, I'm going to go to Binance and tell them To do the web site over to show the withdraw but if they did not fix it by now they never will. that's how they have a lot of money they keep everyone money that they can't get it out. If I would have known I could not get the money out I would have never put it in

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Approximately 8 months ago, I requested that all credit bureaus did not sell or release my credit information to credit companies in order for them to solicit my business. 
this complain has 3 parts 1 ) I am still receiving such solicited letters on the mail 2 ) my credit score went considerably down from the XXXX to XXXX after my request was done with the 3 credit agencies, this is troublesome to me, it seems if the credit agencies can not make money out of your credit report, they lower your scores, if this agency takes a look at my credit report history, it will see what I am taking about, credit companies should not be able to do what they please with the credit of citizens, I feel this is an unfair practice, credit reporting agencies have to be fair on reporting everyone 's credit. 

3 ) since I requested for my credit information not to be sold, even though I pay my credit card balances in full every month, instead of the credit agencies reporting a XX/XX/XXXX carrying balance, they are reporting new transactions not paid prior to due date as a non paid balance from the previous month, this is causing damage to my finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 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: EQUIFAX, INC.
State: NY

Complaint narrative:
To anyone that can rectify this situation, I feel it is necessary to let you know that that the companies identified within this complaint have completely disregarded my requests and failed to respond within the required time frame to my dispute letter from XX/XX/2020. I understand that we have a pandemic and these companies may be backlogged but at this point we are at 123 days since I have reached out to these companies. Upon research I learned that federal law requires companies to respond within thirty ( 30 ) days. I have now been waiting for 123 days for a response and have not received one. I am aware that according to Section 611 ( a ), a failure to investigate these items within 30 days gives a reason to immediately remove the inaccuracies from my report. Please address these issues with these companies and ensure they delete these items immediately or I will implement litigation due to the stress and hardship these companies have caused me. These companies have tarnished my character and my standing with creditors and I am extremely frustrated at this point. I was affected by the Equifax data breach and this may be the result of this nefarious activity on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I have reviewed my credit profile and have noticed the alleged account CAPITAL ONE BANK USA NA ) that Is reporting to the bureau ( XXXX ) with a number of Discrepancies in the alleged account ( NAME OF CREDITOR **CAPITAL ONE BANK USA NA** ), ( MINIMUM MONTHLY PAYMENT {$0.00} ), ( PAYMENT HISTORY 88 % PAYMENTS ON TIME ), ( LAST REPORTED XX/XX/2020 ), ( NO TERMS INFORMATION IS REPORTED ), ( WORSE PAYMENT XXXX DAYS LATE ), ( CONTACT ADDRESS CAPITAL ONE BANK USA NA XXXX. XXXX  XXXX XXXX XXXX XXXX, UT XXXX USA ). 


However, the credit bureau ( XXXX ) is reporting the alleged account as ( NAME OF CREDITOR ** CAPITAL ONE BANK USA ** ), ( MINIMUM MONTHLY PAYMENT -- ), ( PAYMENT HISTORY 90 % Payments on time ), ( LAST REPORTED XX/XX/2020 ), ( payment status : new account ), ( NO TERMS INFORMATION IS REPORTED ), ( WORST PAYMENT STATUS -- ), ( CONTACT ADDRESS : CAPITAL ONE BANK USA XXXX. XXXX  XXXX, VA XXXX USA ). 

If this is the same creditor, the information would not be different.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 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: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
I XXXX XXXX paid off the mortgage at XXXX XXXX XXXX XXXX in XXXX, MD XXXX on XX/XX/2021. It still shows that I have a balance of $ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: CO

Complaint narrative:
On XX/XX/2021 my debit card was locked and overdraft protection was turned off. My account via the US BANK XXXX app stated that overdraft fees were not authorized, the same condition the account had been in for years before that. 

US bank allowed charges to continue accruing, draining the account and amounting to hundreds of dollars in overdraft fees. They have refused to refund overdraft fees because they say that overdrafts fees were authorized for checking/routing but not for debit?!?!? XXXX?! I literally turned off my debit card and overdraft fees weren't authorized. 

I feel so scammed. Please help. US bank is the literal worst.

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 2021-02-20 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: Choice Recovery, Inc.
State: OH

Complaint narrative:
I filled a dispute awhile ago in regards to the incorrect information on my credit report. It has been well over 30 days and I have not received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 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: Bridgecrest Acceptance Corporation
State: OH

Complaint narrative:
I filled a dispute awhile ago in regards to the incorrect information on my credit report. It has been well over 30 days and I have not received any investigation results.

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 2021-02-20 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: PA

Complaint narrative:
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately.

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