vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To whom this may concern i want to inform your office that you are in violation of FCRA and FDCPA. You have violated my rights by reporting false inaccurate information by placing these false accounts on my consumer credit report. 

You are reporting the following collections as an " OPEN ACCOUNT '' which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Funding Account Number : XXXX BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A XXXX XXXX XXXX, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATION. THE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, TRANSUNION AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VIOLATED MY RIGHTS UNDER FCRA AND FDCPA. under 15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter

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 2021-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America is ripping off consumers with return check fees. BOA wont pay a check for {$100.00}, but they will pay one for {$15.00}. My payroll direct deposit goes into my BOA account every 2 weeks, over {$2000.00}. Even if a deposit comes in while my check or payment is pending, BOA still returns my transactions and say there is insufficient funds. For example on XX/XX/XXXX there were 2 transactions pending. On XX/XX/XXXX a deposit went into my account foe {$4300.00}. On XX/XX/XXXX both transaction was pending at XXXX. On XX/XX/XXXX they issued a credit for the {$100.00} and {$200.00} and said my account had insufficient funds, and charged my account {$35.00} for each transaction. XX/XX/XXXX my account charged {$35.00}, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX. It is not good customer service for BOA to be charge customer these fees with a pandemic going on, and customers are struggling.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-22 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX 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 non-monetary relief
Consumer complaint received 2021-12-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
ive tried to contact the original company that did the modification and they are no longer in business to see why they added XXXX to my loan balance instead of putting that amount at the end of the loan. homeward/american home mort serv did the modification and they paper work show XXXX was being deferred to the end of the loan but that amount was added. ive called phh several times trying to understand why the amount was added and they keep giving me someone from another country and i dont understand them. they were showing XXXX different balances on my credit report and finally they fixed my cbr to show one mortgage. i dont understand how the balance keeps increasing and not decreasing. if im reaching out to the wrong agency can you please direct me to the correct agency to assist me. this is my second email asking for help to fix this loan. im not able to do a refi because of the loan amount. ive been in this home for 17 yrs and balance is increasing and i make my payment on time. ive been on the foreberance plan twice and they are adding that amount to the end of my loan so why wasnt the modification amount added to the end of the loan. im enclosing my original deed to show when i purchased the home and its not the month and year phh has on file ..the countXXXX i live is showing XX/XX/2006 so something is clearly not correct with this loan.

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 2021-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several incorrect accounts. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here are the items I am asking you to verify as accurate : XXXX OF XXXX XXXX Amount : XXXX XXXX OF XXXX XXXX XXXX : {$5600.00} XXXX OF XXXX XXXX Amount : {$1600.00} XXXX OF XXXX XXXX Amount : {$2300.00} The above accounts reporting on Transition is reflecting a completely different account number on XXXX and XXXX : XXXX PER the FCRA XXXX this is inaccurate reporting and needs to be removed. Why is Transunion stating a different account number? 

After your investigation is complete, please send me the results via mail. 

Thank you in advance, Best Regards,

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 2021-12-22 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2021-12-22 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: CITIBANK, N.A.
State: AL

Complaint narrative:
XXXX XXXX sent two XXXX to an address where I didn't live on approximately XXXX. I never received the phones and XXXX verbally has stated phones were returned by XXXX XXXX & apologizes every time I call. However the have kept billing my credit card for them. Citi Cards visa by Costco responded to my dispute several times and has ruled in my favor only to have XXXX resubmit the charges repeatedly every month now for 5 months. The charges are for {$910.00} and {$960.00} each. XXXX has changed the story in last 2 months saying the returned phone boxes were empty and therefore someone probably stole them. Citi Cards keeps rebilling my credit card inspite of no change in evidence and inspite of many phone calls from me complaining that this is now at a fraudulent stage. They are favoring the merchant over the customer wherein the crime has been committed by the merchant. My story has not changed and I have spent many hours over this fraudulent process. I can litigate against XXXX which will be my next step. However, I expect my credit card company to support me when I am not at fault. This has been going on for 5 months and must stop. Let the XXXX XXXX come after me if they feel that I am wrong and make their case. XXXX and Citi Cards have written documents from me in this 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 non-monetary relief
Consumer complaint received 2021-12-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: NC

Complaint narrative:
This company has reported this debt as being owed to the credit bureaus. I have never had an account with this XXXX company. There was another company that was reporting this same debt and I informed them that it was not my account and they removed it from my credit report. This current company has reported to XXXX THREE TIMES this month that money is owed and that is not true. I have not received any communication from this company AT ALL! Please remove this account from all of the credit bureaus ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-22 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: FL

Complaint narrative:
To whom this may concern i want to inform your office that you are in violation of FCRA and FDCPA. You have violated my rights by reporting false inaccurate information by placing these false accounts on my consumer credit report. 

You are reporting the following collections as an " OPEN ACCOUNT '' which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATION. THE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, XXXX AND EQUIFAX ARE CURRENTLY IN VIOLATION AND HAS VIOLATED MY RIGHTS UNDER FCRA AND FDCPA. under 15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 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: FL

Complaint narrative:
To whom this may concern i want to inform your office that you are in violation of FCRA and FDCPA. You have violated my rights by reporting false inaccurate information by placing these false accounts on my consumer credit report. 

You are reporting the following collections as an " OPEN ACCOUNT '' which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATION. THE CREDIT REPORTING AGENCIES AS FOLLOW : EXPERIAN, XXXX AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VIOLATED MY RIGHTS UNDER FCRA AND FDCPA. under 15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter

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 2021-12-22 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:
Experian has been inaccurately reporting this account on my credit, on top of that they reported it charge off this year drastically affecting my payment history Im asking for the removal of this account its not mine!!! And no proof has been sent to validate it

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 2021-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
on XX/XX/2021 this company opened a collection. 
Account # XXXX I have never signed and written document saying that I owe this debt to the collector. 

I do not know who they are and have not written consent from end. 

Also, they have not verified that I owe this debt to this alleged company. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Larry H. Miller Group of Companies
State: UT

Complaint narrative:
I got a XXXX XXXX XXXX that was XXXX at purchasing I trade my XXXX XXXX and owe XXXX on it they told me they would give me XXXX. For the trade and pay it off. I asked for gap and exented warrant the frist contract had all of that and after two weeks of waiting I went back in ever thing was different and I didnt get the extra insurance now a month later the car is broke leaving me owing XXXX and no car

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I was in jail and XXXX again collecting the money for me I can provide proof of the fact that I have been in jail in XXXX XXXX Florida Pay Pal allowed use of my credit card and then grave him my money from arritration for violation of copyright.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
On XX/XX/XXXX, I called in to request a payoff statement it was promised that I would receive it within one day However, call back on XX/XX/XXXX several times and stated that it had to be resubmitted and informed the agents that it was very urgent that I received the payoff of {$180.00} to expedite our closing which is this week. I believe that I'm being discriminated against with receiving the document to pay off the account for {$880.00} which was agreed to on the phone. It should not take that long to produce a payoff statement even if an account was written off I believe they are purposely discriminating because they know that we are attempting to close on our mortgage It is another attempt to discriminate against XXXX XXXX and US veterans I have called several times but received no answers and have been missed treated in the process as well as verbally abused because I called in to request the document and expedite the document. XXXX informed the customer relations department that they could not release the document until after 24 to 72 hours If it is an urgent matter, why would The collections department withhold my receiving the payoff settlement document today There are always exceptions to the rule of processing documents It is ruthless and malicious, especially when they were aware I am a XXXX XXXX female is attempting to close on their home. This is a vicious malicious discriminatory, Biased and a form of housing discrimination when you know one is attempting to close on their loan. I have still not received the email regarding the settlement payoff For {$880.00} which was agreed to XX/XX/2021. 

If a lawyer had called it would've been released.

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 2021-12-22 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:
Im a card holder on an account with XXXX that I pay monthly. The account # XXXX with {$200.00} credit limit not much to others but a lot to me. I pay monthly on this account and Equifax is not reporting this account closed, this account very much open and I would like it to reflect on report please help me thanks we all know how Beneficial and important payment history is to credit I would like to this to show please help me thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: CrossCountry Mortgage LLC
State: FL

Complaint narrative:
With lies, XXXX XXXX is taking advantage of the fact that I am a XXXX with little English, he wants me to sign an agreement telling me that it is " only about the review you made on XXXX '' 1-The closing on our lot and and the construction loan were supposed to take place at the same time ; however, the date of the land closing arrived and the agent for the lot seller contacted me to let me know that they had not received any documentation from Cross Country Mortgage. Off course the seller did not want to give us more time to postpone the closing because it was all due to the incompetence of our loan representative with Cross Country. After requesting urgent conference calls to try to resolve our situation, we were finally able to get on a call and all this lady did was say " Sorry, I apologize I did not read the clauses on the contract to buy the land ''. On the other hand, she tried to ask the seller of the land if we could postpone the closing for an extra whole month. The seller of the lot obviously said No and we had to end up.preparing everything for closing in only three days ; plus, we end up paying additional money out of our pocket for this closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I tried to open an account with Chase on XX/XX/2021. On XX/XX/XXXX, they sent a letter to me, notifying me Chase would not allow me to open an account, even though I had received a card, used online banking, deposited a check, and spent money already. I dont understand why they sent me this letter, since I had everything set up and running already. The reason why I couldnt open an account was XXXX, but Ive never been overdrafted, dont have a credit score, and have never had a bounced check. I dont know why I cant have an account, please help me through this process to get my account up and running.

Company response to consumer: Closed with explanation