vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/22 I made a balance transfer payment. I paid to the incorrect account, and on XXXX contacted Bank of America and the agent I spoke to confirmed that the overpayment amount would be returned to me by check. When I asked the agent, they confirmed it would be returned by check. When I received communication from Bank of America, the letter advised me the funds would be returned to where they received the money from, not as a check as the agent told me. I have checked the paying bank, and the funds have not been returned as a payment or credit. 

On XX/XX/22, after receiving the letter, I called Bank of America again and spoke to an agent who, after I explained the situation, told me that " you can not pay a credit card with another credit card '' to which I had to advise that in the event of a balance transfer, you can do that. It is concerning that the people I spoke to employed by this bank did not know how to assist me in features their employer offers. The agent then transferred me to another department. The agent I spoke to in the Credit Card department they told me it could take up to 30 days, and repeatedly stated I had requested it would be returned by ACH to the source bank, which I had not. I had not provide routing or account information for a return transfer, because it is returning to a credit card, not a checking or savings account. I was advised to give it a " few days '' for resolution. 

The agent told me the way the payment is represented on their end does not align with the actual events of the payment. This is also concerning, because there is either a system issue or agent issue. Neither bodes well for the accuracy of their service and security. 

Bank of America lied to me about how my funds would be reimbursed. If it was not possible, the agent I first spoke to should have told me that, instead of lying to me and advising me the funds would be returned to me by check. I am now out {$1800.00} due to this and I am not being provided a realistic solution by the bank that caused the error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-07 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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've sent out a Copple of letters The Credit bureaus stated XXXX XXXX  : Account # : XXXX, XXXX Account # : XXXXXXXX XXXX : Account # XXXX XXXXXXXX XXXX  : Account # : XXXX, XXXX XXXX  : Account # XXXX, XXXX : Account # : XXXX, XXXX : Account # : XXXX, XXXX XXXX  : Account # : XXXX. 
Was properly investigated and verified but how is this possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. 
This is grounds for removal. 

They also violate my rights under 15 U.S.C 1681 section 604 A section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions.

I havent given this account written permission to furnish this account on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GOLDMAN SACHS BANK USA
State: MO

Complaint narrative:
I have been paying on this loan and I was original was stated my interest rate was a 13 percent which was high based on my good credit history. Anyway they have been taking out double payments without me knowing for this loan and charging me interest as well on a reversed payment. Saying its late. I want out of this loan I feel like it has been paid off already and they added extra fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX  Account # 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 2022-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX. MY SS HAS BEEN FLAG AS LISTED ON THE DARK WEB

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 2022-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-06-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I applied to refinance my grandmothers mortgage at the end of XX/XX/XXXX because she has a reverse mortgage that is eating away at her homes equity. I applied online with Navy Federal as her POA. When the loan officer, XXXX, was assigned, I called her directly and left her a detailed message about who I was and why I was applying. She called my phone on XX/XX/XXXX @ XXXX pm asking for my grandmother to call her back. I called her back immediately & she didnt answer. Again, she didnt call me back. Even though she never responded to me, I could still see the progress of the loan that she pushed forward. Every time I got an email asking for something, I immediately uploaded it or responded to it. It just got sent to underwriting a few days ago & today I received a denial package stating that they couldnt verify her identity, credit info, and that her application is incomplete. I am completely confused because no one has called me at all asking for info or trying to verify anything. XXXX only called once & she never responded back to my requests to call/email me back. I placed a credit freeze on my grandmothers credit reports to keep others from being able to open anything in her name. It was lifted when I first applied and for a week afterwards. They were able to pull her credit at least once!!! So, when I got the denial info today, I emailed XXXX and attached the POA that Navy Federal already has on file, my grandmothers ID, and my ID. I also lifted the freeze again for them for a week. They are denying her due to age. Her credit is perfect because I handle her bills, and their mortgage staff does not seem to recognize the powers I hold from being her POA. I gave them everything they needed & they have not communicated with me outside of sending things that needed signature through the portal. No phone calls or direct emails. I asked XXXX how to appeal this denial and, again, no response. I gave her all day to reply before filing this complaint. My grandmother has XXXX and can not handle her own affairs, so they will need to speak to me. I am not accepting the reasons listed for the denial because they were able to verify her ID ( identity already verified before by Navy Federal ), her credit info ( they pulled her credit already & I even had to pay a fee for them to do so ), and incomplete application ( nothing at all was showing in the tasks because I complete them as soon as I get the email alert ). They are making up reasons to deny her when the only issue is her age. I dont even live in VA XXXX so I dont know why me handling this for my grandmother is causing an issue. I handle everything for her. They are simply discriminating & choosing not to honor the POA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  Account US SM BUS ADMIN ODA, has violated my rights. 
XXXX Account XXXX XXXX XXXXXXXX, has violated my rights. 
XXXX Account XXXX XXXX, has violated my rights. 
XXXX Account XXXX XXXX, has violated my rights. 
XXXX  Account XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX  Account XXXX XXXX XXXX has violated my rights. 
XXXX Account XXXX XXXX XXXX, has violated my rights. 
XXXX Account XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX Account XXXX XXXX, has violated my rights. 
XXXX  Account XXXX  XXXX XXXX XXXX, has violated my rights. 
XXXX Account XXXX, has violated my rights. 
XXXX Account XXXX XXXX, has violated my rights. 
XXXX Account XXXX, has violated my rights. 
XXXX  Account XXXX XXXX XXXX has violated my rights. 
XXXX Account XXXX XXXX, has violated my rights. 




15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-06-07 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Account XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX  Account XXXX  XXXX XXXX, has violated my rights. 
XXXX Account XXXX XXXX, has violated my rights. 
XXXX Account XXXX XXXX, has violated my rights. 
XXXX Account XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX Account XXXX XXXX XXXX, has violated my rights. 
XXXX Account XXXX XXXX XXXX, has violated my rights. 
XXXX Account XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX Account XXXX XXXX, has violated my rights. 
XXXX  Account H XXXX XXXX XXXX, has violated my rights. 
XXXX Account XXXX, has violated my rights. 
XXXX Account XXXX XXXX, has violated my rights. 
XXXX Account XXXX, has violated my rights. 
XXXX Account XXXX XXXX XXXX, has violated my rights. 
XXXX Account XXXX XXXX, has violated my rights. 




15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: OH

Complaint narrative:
I have contacted Transworld System on a matter that pertains to my credit. I have been a victim of fraud. I sent Transworld System a certified letter via usps to validate this account asking to send original documents and a host of other things. I have not received any of the documents I requested. I have an account on my credit that does not belong to me. I asked transworld system to remove the unvalidated information and nothing was done. I have the receipt that I sent the letter via usps certified. Removing this account from all three credit bureaus ( XXXX, XXXX XXXX ) is what needs to take place there is no validation. I take pride in my credit and I have a XXXX  score on my credit bureaus. This fraudulent account is ruining my credit to the extreme. A consumer can not provide signed documentation for an fraudulent account that they never authorized but I also asked for a signed documentation bearing my signature that I agreed to pay Transworld system and the collection agencies could not provide that information. I want this information removed IMMEDIATELY! DO NOT SEND COPIES! I NEED ORGINALS!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
This issue goes back to the Capital One data breach and I am a person that was directly hacked into to stop a payment from a bank account from another person who promised me she would pay me back for the credit card charges. Capital One had already issued the money through and it was stripped from the system some how when the Capital One Data breach had happened. So the person 's bank account was locked up and we never got the payment through. Capital One never acknowledged what had happened about me being directly hacked into and nobody is doing anything about it. The last thing that remember hearing about the Capital One data breach was when Congress started to investigate. Now there is no news on it and it has been more then long enough to find out what to do to correct my credit report. This hacking with the Capital One data breach is running my credit rating. I am underprivileged already. Disabled and going to school online is hard enough already I can tell you that. The data breach occurred around XX/XX/XXXX, the exact time evades me. But this is still haunting me today XX/XX/XXXX for my credit issuance that they never paid me from my inconvenience. The court settlement hasn't settled on my credit rating so what should I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-06-07 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-06-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: NC

Complaint narrative:
I started the refinance process approximately 21 days ago. I have been constantly ask, and required to provide duplicate information, and asked to provide personal dependent information related to me having legal guardianship of my biological relative. Each time I've submitted required documentation, Pennymac discovers something new is needed ... .something that was never disclosed. For example, I started the process 21 days ago, today I was asked for the first time to provide information that my current loan is not in forebearance. I've spoken to multiple representatives, on multiple occasions ( I have phone records to validate ) in attempts to get clarity, and provide Pennymac with everything that is being asked of me. I've been told by at least one representative that they have received all required documents, only to find out later that something new is being requested. There hasn't been any transparency, or consistency with this process, which is really causing mental anguish, as I have diligently provided everything they have asked..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX XXXX Account # XXXX # XXXX, XXXX, XXXX Account XXXX XXXX # XXXX, XXXX, XXXX Account # XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

15 USC 1692. ( C ) ( A ). A debt collector may not communicate with a consumer in connection with the collection of any debt.

15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt.

15 USC 1692. ( B ) ( 5 ). Not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt.

15 USC 1692. ( D ) ( 2 ). The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.

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