vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have been calling for 6 months straight to Bank of America in search of help from them in resolving a $ XXXX fraudulent charges they did an investigation and sent me a letter stating they suspect fraud and denied my claim.Ive been calling everyday for months to be put on hold for 2 hours then hung up on every single time and when i tell the next worker day after day it dont matter they dont care and they just say there is n it hung they can due that u have to talk to claims. Instead of helping my they have made tho uninstall so much worse by freezing my account instead of putting the money back. I would like my money back and they should be shut down they also fraudulently took my house by guiding me into a foreclosure so they could take my house which they did. I would never had went back on my payment I was never behind but they recommended it to qualify for making to ur home affordable plan and they denied me and sold my house auction day in day 90 of being behind. I lost everything over that plus my {$30000.00} I just put into remodeling my home and now the tenants I rented to pay the new owner faithfully every month for years on time so Im missing the income I once had because of them and their dirty methods and tricks

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 2021-01-03 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: TN

Complaint narrative:
On XX/XX/2020, I sent a letter regarding inaccurate and unknown information on my credit report. It has been over 60 days, and I have not received a response. I feel like Im being taken advantage of and being ignored for the dispute I requested. 

Section 611 ( a ), It is plainly stated : If the completeness or accuracy of any item of information contained in a consumers, or applicants, file at a consumer reporting agency ( such as Justifacts ) is disputed by the consumer. The consumer notifies the agency directly, or indirectly through a reseller, of such a dispute, the agency must, free of charge conduct a reasonable reinvestigation. This reinvestigation will determine whether the disputed information is inaccurate and record the status of the disputed information, or delete the item from the file. This must be done before the end of a 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

It has been over 60 days. The inaccurate information/accounts should be deleted immediately, or I will file a litigation due to the stress it has cause me. My information was also impacted by the XX/XX/XXXXData Breach and may have got into the hand of the wrong person.

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 2021-01-03 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my report. I reported the theft of my identity to the federal trade commissions and i have enclosed copies of the federal trade commission identity theft affidavit. Please delete the items as soon as possible.

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 2021-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my report. I reported the theft of my identity to the federal trade commissions and i have enclosed copies of the federal trade commission identity theft affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03 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: Convergent Resources, Inc.
State: FL

Complaint narrative:
I wish to file a complaint against Convergent. XXXX was paid and by law they must recall the account from Convergent as they have no legal reasons to report the account on my credit reports and therefore must delete. They also stated they would recall the account in the letter they sent 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 2021-01-03 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: GA

Complaint narrative:
Transunion way to go on not doing what the law requires. I went through the statements and found proof that not only am I making the monthly payments so the late history is inaccurate and CLEARLY not verified! But the balance is also wrong. The date of the last payment is wrong! So if you want to ignore me or make me jump through hoops maybe I should turn the FULL payment history, the multiple letters to the bureau and the creditor, the CFPB complaint, and the monthly statements over to a consumer attorney and to see if I have a lawsuit! I'm paying XXXX XXXX and they are NOT in compliance with FCRA reporting and your bureau did a XXXX-XXXX  job on looking into this. All I want is this corrected 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
Consumer complaint received 2021-01-03 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: GA

Complaint narrative:
XXXX & XXXX way to go on not doing what the law requires. Experian - How dare you insult me! What is it about my previous complaint that would make you think I am not intelligent enough to have written it when it's my truth!! I'll tell you what else is the truth. I went through the statements and found proof that not only am I making the monthly payments so the late history is inaccurate and CLEARLY not verified! But the balance is also wrong. The date of the last payment is wrong! So if you want to ignore me or make me jump through hoops maybe I should turn the FULL payment history, the multiple letters to the bureau and the creditor, the CFPB complaint, and the monthly statements over to a consumer attorney and to see if I have a lawsuit! I'm paying XXXX  XXXX  and they are NOT in compliance with FCRA reporting and your bureau did a half-assed job on looking into this. All I want is this corrected 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
Consumer complaint received 2021-01-03 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: TN

Complaint narrative:
On XX/XX/2020, I sent a letter regarding inaccurate and unknown information on my credit report. It has been over 60 days, and I have not received a response. I feel like Im being taken advantage of and being ignored for the dispute I requested. 

Section 611 ( a ), It is plainly stated : If the completeness or accuracy of any item of information contained in a consumers, or applicants, file at a consumer reporting agency ( such as XXXX  ) is disputed by the consumer. The consumer notifies the agency directly, or indirectly through a reseller, of such a dispute, the agency must, free of charge conduct a reasonable reinvestigation. This reinvestigation will determine whether the disputed information is inaccurate and record the status of the disputed information, or delete the item from the file. This must be done before the end of a 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

It has been over 60 days. The inaccurate information/accounts should be deleted immediately, or I will file a litigation due to the stress it has cause me. My information was also impacted by the Equifax Data Breach and may have got into the hand of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03 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: TN

Complaint narrative:
On XX/XX/2020, I sent a letter regarding inaccurate and unknown information on my credit report. It has been over 60 days, and I have not received a response. I feel like Im being taken advantage of and being ignored for the dispute I requested. 

Section 611 ( a ), It is plainly stated : If the completeness or accuracy of any item of information contained in a consumers, or applicants, file at a consumer reporting agency ( such as XXXX  ) is disputed by the consumer. The consumer notifies the agency directly, or indirectly through a reseller, of such a dispute, the agency must, free of charge conduct a reasonable reinvestigation. This reinvestigation will determine whether the disputed information is inaccurate and record the status of the disputed information, or delete the item from the file. This must be done before the end of a 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

It has been over 60 days. The inaccurate information/accounts should be deleted immediately, or I will file a litigation due to the stress it has cause me. My information was also impacted by the XXXX Data Breach and may have got into the hand of the wrong person.

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 2021-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc.
State: LA

Complaint narrative:
A collection was place on my credit for a XXXX  bill so I sent the company a letter to verify my dept in XXXX then they sent a letter back with a bill. So i sent another letter in XXXX for the company to verify and they just sent another bill and attempted to call me numerous times. I have yet to get another letter from them and they just ignored my request and reporting late payments on my credit for an account they could not validate, and it been over 45 days since they received my letter.

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 2021-01-03 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: GA

Complaint narrative:
XXXX & Equifax way to go on not doing what the law requires. XXXX - How dare you insult me! What is it about my previous complaint that would make you think I am not intelligent enough to have written it when it's my truth!! I'll tell you what else is the truth. I went through the statements and found proof that not only am I making the monthly payments so the late history is inaccurate and CLEARLY not verified! But the balance is also wrong. The date of the last payment is wrong! So if you want to ignore me or make me jump through hoops maybe I should turn the FULL payment history, the multiple letters to the bureau and the creditor, the CFPB complaint, and the monthly statements over to a consumer attorney and to see if I have a lawsuit! I'm paying XXXX XXXX and they are NOT in compliance with FCRA reporting and your bureau did a half-assed job on looking into this. All I want is this corrected IMMEDIATELY!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03 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: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
XXXX way to go on not doing what the law requires. I went through the statements and found proof that not only am I making the monthly payments so the late history is inaccurate and CLEARLY not verified! But the balance is also wrong. The date of the last payment is wrong! So if you want to ignore me or make me jump through hoops maybe I should turn the FULL payment history, the multiple letters to the bureau and the creditor, the CFPB complaint, and the monthly statements over to a consumer attorney and to see if I have a lawsuit! I'm paying Credit Acceptance and they are NOT in compliance with FCRA reporting and your bureau did a XXXX-XXXX  job on looking into this. All I want is this corrected 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
Consumer complaint received 2021-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Netspend Corporation
State: AZ

Complaint narrative:
Netspend is not automatically approving the deposit of stimulus checks and is holding onto them and not releasing the funds. While not releasing the funds to the consumer, they are also charging the accounts fees. So I was charged a {$5.00} account fee for XX/XX/2020, even though there was no actual money in the account. I did not receive an email or text from them, but saw an article about stimulus checks going out. Logged into their website and saw my account was - {$5.00} and this message. 

Pending ACH Dear XXXX, The ACH deposit for your Netspend account is pending and we require additional information in order to process it. Please contact XXXX before XXXX CST on XX/XX/2020. If we do not hear from you within the specified timeframe, we will send your ACH deposit back to the originating bank. 

Thank you and we appreciate your business. 

Sincerely, EFT Processing Department

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 2021-01-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WAKEFIELD & ASSOCIATES, INC.
State: NV

Complaint narrative:
Hello I called the debt collection wakefield & associates many Times since XXXX and XX/XX/2020, I was asking to mail ME my debt writing paper/Bills but until now I still have Not recieve it I called them almost everywerk to requests Bills paper but I never recieve anything. I am more Than willing to pay what I owe but for my own protection and Record I would like to recieve a Bills but How can I pay a debt that I never see?? Never receieve Call, Bills or anything I only found Out thru checking my credit report. I Dont Know what to do Im planning to buy House but MY credit score affecting My and my life. Please Help ME Out by the way they say I owed {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03 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: DC

Complaint narrative:
I had an account placed on my credit on XXXX, experian and XXXX. the account was INCORRECT AND REMOVED. HOWEVER IT IS STILL REPORTING ON EXPERIAN XXXX XXXX. I AM SUBMITTING PROOF OF ERROR AND REQUESTING THAT IT BE REMOVED 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 non-monetary relief
Consumer complaint received 2021-01-03 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: NV

Complaint narrative:
I have not received any updates from this company as far as my dispute my accounts have not been set to disputed I recently did a complaint they said they were working on it I have not received any notice that they were working on it the bureaus have taken longer than 60 days and I am upset. I have sent multiple letters regarding this issue and I think it is unfair. According to the FCRA they have 30 days to respond back. I have no response and failure to investigate. I want these items removed for my report 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
Consumer complaint received 2021-01-03 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: BANCO POPULAR DE PUERTO RICO
State: FL

Complaint narrative:
I have had numerous problems with Banco Popular. I have a home mortgage with them. They have sent my payments back into my bank account instead of applying them to my loan payments and they ruined my credit score by several hundred. Had to report them for that. Now they have not reported my XXXX/XXXX/XXXX XXXX mortgage payments on my bank account. The incorrect loan amount is on my credit scores and my bank account. I emailed them every day to complain so I have it in writing and no one will fix the problem. This has been going on since XXXX XXXX. They also never send me my monthly statements, I will get one month then not another. I can not believe this bank is so slow to fix a HUGE problem that is effecting my credit scores. I have the credit bureau also looking into this with disputes but still no reponse from this bank. This bank should be fined, put on probation and monitored for a year. I want all my past monthly statements, my loan amount to be up to date EVERY month and to update all credit bureaus monthly for the duration of this loan. If they can not do this then sell my loan to a reputable bank with all the same parameters remaining.

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 2021-01-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
For The Past 2 to 3 Months, TRANSUNION, Has " INSISTED '' On Showing a Balance Of {$190.00}, On My XXXX Credit Card # XXXX XXXX XXXX XXXX. Expiration Date Of XX/XX/22. This Account Has Been Paid Off For Over a Month. Which In Turn, Lowers My Credit Score. On XXXX XXXX, I Filed Several Disputes. I Even Filed a Dispute, With TRANSUNION Directly. All Of My Credit Cards, Are Paid Off, Except For One, Which The Payments Are Up To Date. TRANSUNION Has a Problem, With Keeping, My Credit Report, Accurate. This Is Not The Only Incident, That TRANSUNION Has Given Me Trouble With. They Hate To Raise, 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 2021-01-03 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: U.S. BANCORP
State: PA

Complaint narrative:
On XX/XX/2020, a case was open due to unauthorized transactions from an ATM robbery. At this time, my card was deactivated and my account was placed on a restriction. I was told to fax over a written confirmation letter, the police report and documentation to verify my identity. I also sent my mother 's ID as I authorized her to have access to my account on my behalf. I've faxed over 15 pages worth of the requested documentation plus more information that I thought would be useful in proving my identity. Such as : my monetary determination letter and payment summary from unemployment which shows each deposit that was placed into this account. It has now been 8 days since I've opened a case. I was informed today by customer service that my documentation was received and reviewed but they were not able to verify my identity despite having a copy of my government issued photo ID, a copy of my birth certificate and my unemployment documentation. Due to their verification team being a third-party secret service, customer service was unable to provide any more information then what was provided in a vague note on my account. No instructions were given and no explanation as to why my identity couldn't be verified or why they are still keeping my unemployment money. There is absolutely no reason for them to withhold my money from me. I've done everything they have asked me to do and they are denying me all of the money that I need to live. I am at a loss and just want my money back. Please. Thank you. 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 monetary relief