vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America sent me three notifications by email on XX/XX/2020, that they are going to consider transferring my funds in three separate accounts to the state. To prevent this, they require I interact with the accounts by use of their mobile app, their online banking feature, or making deposits/withdrawals to/from the accounts. I do not have their app and do not want to have banking information on my phone. I do not use online banking either. My preference is to use a local branch for all banking transactions. I do not use the accounts being threatened because they are my savings and I want them left alone unless I need them. 

I called Bank of America to explain that I found the notification of my savings being considered for transfer to the state very threatening. I asked the first person what date the transfer is scheduled for, but he did not know. I asked to speak to a supervisor and she XXXX XXXX XXXX did not know the transfer date. I asked to speak to her supervisor ( XXXX ) and she also did not know the transfer date. I explained that I want to move my savings to a different bank before they are taken from me, but was told no transfer date is currently scheduled. 

The threat of losing my savings is extremely distressing. The attempted manipulation of my preferences for accessing my accounts, upon pain of losing my savings, feels horrific. I leave my savings alone as a point of responsibility. Bank of America has many means of verifying my continued patronage without threatening to take my money and give it to the state. I am what Bank of America calls a Preferred Rewards customer. I can not imagine how poorly they treat their regular customers.

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 2020-11-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
On XX/XX/2020 I made a payment to Tjmaxx Credit card in which I accidentally selected the wrong account to be paid from. This payment was the third payment I was making that month on the account so {$0.00} minimum payment was actually due at the time. I also paid on XX/XX/2020 {$64.00} XX/XX/2020 {$100.00} and XX/XX/2020 {$30.00} they told me that they closed my account due to lack of payment which is a false statement as I pay 3 times a month. No contact was made with me dispite the claims of their customer service representative and I feel this is wrong as this os going on my credit report as '' CLOSED DUE TO LACK OF PAYMENT '' Many people are suffering at the hands of this company and something should be done about it. So please read XXXX  complaints and Customer Affairs they are ruining the credit of many of people that do not deserve it including myself which I have worked hard to restore

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 2020-11-24 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: TX

Complaint narrative:
I have sent multiple letters explaining to TransUnion there are multiple inaccurate accounts they are reporting on my credit report that I do not recognize at all. I have asked them to please provide me with documentation verifying that these accounts are mine. Laws I read from the FCRA clearly state if they can't verify information correctly they must remove them. Due to this pandemic I need to use my credit and these inaccurate accounts causing more of a negative impact 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 explanation
Consumer complaint received 2020-11-24 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:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1989 ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX TODAYS DATE:XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
and can help your score. 

XXXX XXXX XXXX XXXX {$1300.00} Needs attention XXXX XXXX XXXXXXXX XXXX XXXX XXXX  {$1200.00} Needs attention XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1989 ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: NY

Complaint narrative:
My HELOC with Discover Home Loans ( Loan # XXXX ) was on a deferment from XXXX - XX/XX/2020. I called servicer in XXXX to discuss repayment options. I was offered and verbally accepted a payment deferral ( letter attached ). I was to resume making my regular payment on XX/XX/XXXX, which i did ( made the payment the XXXX of XXXX XXXX. However, I was reported late on my credit reports and am being assessed late fees. This is causing undue hardship as I am attempting to get a car for my commute to work. I have called the lender multiple times to address this issue, each representative i speak to has acknowledged that they need to fix my account and have escalated to the appropriate parties. Each time I call, nothing has been done to remediate this and the request has been sitting there for multiple weeks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-24 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:
Upon reviewing my credit report, I noticed that there are several errors on there that are severely impacting my credit. Please investigate these accounts.

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 2020-11-24 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: Credit Plus Inc
State: IL

Complaint narrative:
On XXXX XXXX, 2019, CREDIT PLUS add a hard inquiriy on my credit report per XXXX, XXXX  and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I closed on a refinance of my loan with XXXX XXXX in XX/XX/2020. 
Attached is the Closing document. This clearly shows no escrow for either property taxes or homeowners insurance. 
The loan got sold to Mr Cooper ( Nationstar Mortgage ) effective XX/XX/XXXX ( Loan # XXXX ) In late XXXX, they added an escrow to my account and informed by only by end of XXXX ( that is when I received the mail ). 
I emailed them through the online account as well as called them twice : XXXX. XX/XX/XXXX at XXXX XXXX  PST. I was told to submit updated copy of homeowners insurance which I promptly did as soon as I hung up ( 34 minutes later ). I was assured that the escrow would be taken off my account with 2-3 days after I submitted the required information. 
XXXX. XX/XX/XXXX at XXXX XXXX. I was told that this was still under " research '' and that they do not have an estimate on when this will be resolved. - best guess was 7-10 business days. 
I have been making my monthly payments of {$3300.00} every month. However, starting XXXX, they expect me to make payments of {$4800.00}, which I will NOT make. I want this resolved before XX/XX/XXXX but Mr Cooper is not providing any assurances if they will resolve this, never mind when they will resolve it. Attached are also the documentation they sent me regarding escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 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:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1989 ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX TODAYS DATE:XX/XX/XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
and can help your score. 

XXXX XXXX XXXX XXXX {$1300.00} Needs attention XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} Needs attention XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1989 ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1989 ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX TODAYS DATE:XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
and can help your score. 

XXXX XXXX XXXX XXXX {$1300.00} Needs attention XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} Needs attention XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1989 ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL 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 2020-11-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase has allowed me to open 2 credit cards XXXX XXXX XXXX XXXX and Chase Sapphire Preferred. However, on XX/XX/XXXX, they have revoked my credit card and do not allow me to use it anymore without any prior notices or discussion. The action shows that Chase only cares about the bottom line and do not want to pay out any bonus credit card sign up reward. I have great credit score ; so it should not impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This 'll be the 20 second time that I have called Bank of America XXXX XXXX to settled my dispute while being on hold every single time for approximately XXXX hours sometimes even hanging up and calling back and being told that the dispute department is closed and I was sitting on the phone for no reason a few other times I was just hung up on and other times I was lied to and told I was going to be connected with him supervisor and they were going to help settle my dispute yet nothing happened and I got hung up on or left on hold for another 8 hours until the phone just hung up on me randomly I have multiple accounts that are have been have already been notated on my account I also have taken dose of my own approximately XXXX and {$740.00} has been stolen from my account I asked them to please look at the video feed because it looks like there are mostly ATM transactions and I know for a fact that it's not me I have been trying to settle this dispute for weeks now take an L need to get nowhere and I'm afraid I will be told that it'll be my fault if I'm not able to settle the dispute in time I have filed complaints and took notes of my own and called the network and yelped and but please report for the transactions that had taken place this year will be my third complaint with no response back also there is a charges in another state that are not mine in Florida to be exact if you noticed that my charges are nothing over {$100.00} and then all of a sudden they go range from XXXX to {$1000.00} in consecutive intervals on the same day within minutes of each other I was unable to login to my account online for a long time so I didn't notice the charges were on there please view footage of ATM transactions they're further show proof that is not me withdrawing the funds thank you I hope this matter gets resolved promptly so that I make it back to my life thank youa

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 2020-11-24 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: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
On XX/XX/2020, CHRYSLER CAPITAL add a hard inquiry on my credit report per XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 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: Aargon Agency, Inc.
State: NV

Complaint narrative:
I disputed the alleged debt with the alleged creditor and its collection agency, Aargon. The account was reported to XXXX, but it was never indicated as DISPUTED. 

I later authorized a payment through my credit card, in writing, via email, though I continue to believe the amount is not owed. 

The collection agency is not charging my credit card and continues to keep the account open. In my opinion, out of spitefulness and retaliation because I reported the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have been disputing bank of america on my credit report for months now. Today I received a letter from bank of america stating that I openend this account back in XX/XX/XXXX. First off this is old information ( over 7 years ) and secondly the information they put in this letter is wrong. I did not make any payments after XX/XX/XXXX. I don't no where they are getting there information from but it's wrong. I checked with my bank but due to being over 7 years they are unable to verify from that far back. There was fraudulant activity done on this card back in XXXX. I contacted the bank immediately back then and told them that I did not make these cash advances nor purchases. Today in XXXX this account is still reporting negatively on my credit reports and is affecting my credit score. Bank of america is stating it will remain on my reports from the date of the charge off. Well they charged it off in XXXX. This is not my issue. I contacted them and told them of the fraud back in XXXX. I want this information removed off all my credit reports.

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 2020-11-24 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: IN

Complaint narrative:
Past Due : {$2000.00} XXXX XXXX I sent a letter to XXXX asking for Debt Verification for Accounts : XXXX XXXX  XXXX XXXX XXXX XXXX I did not receive a reply from neither of them at all. It's been 3 months. I did receive and email from XXXX XXXX saying they were collecting with XXXX XXXX XXXX account. I asked them to send a debt verification by way of mail to my listed PO Box and they did not respond. 

XXXX XXXX who said they were representing XXXX said my Balance was {$500.00}. XXXX said to the Bureaus it was {$2000.00}. Neither, True Accord, XXXX XXXX or XXXX XXXX or XXXX  XXXX sent me a Debt Verification showing the Debt was mine. 

I sent a Debt verification letter with Factual Disputes to the XXXX, Experian and XXXX XXXX for the Original Creditor XXXX  XXXX on XXXX XXXX & XXXX XXXX. All three Bureaus Deleted XXXX XXXX. 

So now XXXX  XXXX failed to verify to the Credit Bureaus and the XXXX  XXXX account was removed off my Credit Report Completely. 

But Experian and XXXX XXXX are still allowing the Collection Agency XXXX XXXX on my report even though they determined the XXXX  XXXX the Original Credit was to be deleted. 

I sent a Debt verification letter with Factual Disputes to the XXXX, Experian and XXXX XXXX for XXXX XXXX XXXX and XXXX XXXX XXXX  on XXXX XXXX & XXXX XXXX & XXXX XXXX & XX/XX/2020. XXXX removed the XXXX XXXX XXXX and XXXX XXXX XXXX. 

I sent a Debt verification letter with Factual Disputes to the XXXX, Experian and XXXX XXXX for the Original Creditor XXXX XXXX on XXXX XXXX & XXXX XXXX & XXXX XXXX & XX/XX/2020. XXXX  removed XXXX XXXX XXXX XXXX XXXX XXXX and XXXX  XXXX have been removed and re added without me being notified in the proper Time frame. 

All these accounts were not verified by proper investigations. E Oscar or simply asking if the Creditor if the account was valid, which is not an investigation. If an investigation was done, there would not be the following issues with these accounts : Date of Last activity Conflicting Amounts : Such as the {$500.00} that XXXX is asking from me and the {$2000.00} XXXX is telling the Bureaus. 
More than one account collecting for same debt. 
Not posting when the accounts were disputed in the Last Reported Not posting when the in the comments from disputes Posting past dues on collections posting terms of payments on collections Posting high credit on collections Inaccurate reporting and Accuracy Posting different Date opens Reporting collection payments as late and reporting monthly to the payment history a charge off, or collections I would receive and email saying that the dispute was received then that same day or close I would receive and email saying the investigation was complete.

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