vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Dear CFPB- Thank you for taking the time to hear my complaint. 

1 ) An EDD Bank of America was created while I was a resident in XXXX XXXX an est 15+ Years ago. 

XXXX ) I made multiple attempts to close the account when I moved from XXXX XXXX CA to XXXX XXXX XXXX California over a 10 years period. Multiple attempts to close the account were made to California 's EDD Dept., at a Bank of America branches and then finally the Banking Commission.

3 ) After contacting the Banking Commission a representative from Bank of America contacted me. He said there's nothing they can do, I need to contact California 's EDD office. This was two years ago. 

XXXX ) Today, XX/XX/2023, I receiving another Bank of America statement. 

Any help in closing this account would be most appreciated. 

Sincerely, XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 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: GLA Collection Company, Inc.
State: TN

Complaint narrative:
I found a company called GLA Collections on my credit report around the first of XX/XX/2022. It was for the amount of {$1000.00}. It was medical in nature. I never received any previous bills for this amount, nor any mail correspondence from this company. I first checked with my hospital and they do not have any record of a missed bill for this amount. I called GLA and they sent me a generic computerized " bill '' for the amount they say I owe. I sent back a letter from the Fair Credit Reporting Act asking GLA to send me an itemized bill from the original creditor, with my signature, and for the services rendered. I sent this letter certified mail on XX/XX/2022. GLA 's response was a duplicate generic computerized bill with only their name and the amount owed. I have had a credit repair agency working to help dispute this collections, but now a year later, GLA has still not removed it from my credit report. This is the only blemish on my credit report and is keeping me from getting needed financing for a new business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: GREATAMERICA FINANCIAL SERVICES CORP.
State: TX

Complaint narrative:
XXXX XXXX system or Great America Financial Services forged my signature on a document and I have been paying them for more than 2 years now. Also one of the equipment that I am paying for was not delivered to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 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: IL

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2023-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
In XXXX of XXXX, I got married and changed my name. I updated my name to all of the appropriate bureaus and Equifax is the only entity that has ruined my credit because of it. It took almost a year for them to correct my name because initially, they opened a new credit profile under my new last name and kept my previous name active under my old profile which caused confusion and that split my entire profile in two. Under the new one are my new accounts from XXXX to now ; the old one was everything prior. It took many calls and emails to figure out what the issue was. When I called, I was told they had to merge the two profiles together and that would solve the issues. While this was going on, my credit took a hit because Equifax stopped reporting my on-time payments to my open accounts. They have not reported anything since XX/XX/XXXX and it is now XX/XX/XXXX. When I called in XX/XX/XXXX to ask them to resolve this and make sure my credit report was accurate, I was told that a ticket would be open and it would be worked on. I called a few weeks ago for an update and was told my ticket was still in the queue to be worked on I was told I was not the only person this happened to so they fix it when they get to it but there is no timeframe. This has caused damage to my credit and my reputation and I just need my account to be fixed, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 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: GA

Complaint narrative:
This is an identity theft account. 

XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX This is a fraud account. They had originally said that I owed over {$10000.00}. I reported it and it was removed already from my report and now it's appearing again. Now they claim I owe them {$4600.00}. Please investigate and delete and block them.

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 2023-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc.
State: GA

Complaint narrative:
EASTERN ACCOUNT SYSTEMS ADDED A PAID OFF DEBT TO MY CREDIT REPORTED EVEN AFTER IT WAS PROVED THIS DEBT WAS NOT VALID. 
THE ACCOUNT WAS CLEARED IN XX/XX/XXXX AND THEY ILLEGATED THIS DEBT BY ADDING IT TO CONSUMER REPORT IN XX/XX/XXXX.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 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: LA

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have tried I'm still remove my address off of my credit report wrote letters and still nothing. at this address is not valid XXXXXXXX XXXX XXXX XXXX XXXX # XXXX XXXX Texas XXXX This need to be removed I have reported to remove from TransUnion report. I gave wrong address before

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 2023-03-23 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: EAST WEST BANK
State: NY

Complaint narrative:
My account was closed on the XXXX XX/XX/2023 Due to recent account activity, East West Bank has made the decision to close my account ending in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
The table below describes the events wherein Truist is now requiring escrow over and above what insurance/tax is paid by myself ; and further in order to remove escrow of the one week of loss of insurance due to XXXX and the agent at XXXX ( not informing me as the client that insurance was lapsing ) I would have to purchase a new mortgage at double the interest rate. Truist was informed in writing and by phone call ; XXXX the insurance agency was contacted and stated they would return/contact me on sending correspondence through their legal department and NEVER contacted me as the client on the insurance coverages/lapses nor provided further assistance to me, their client. I have paid Truist for the one week of insurance and have provided coverage with XXXX for the mortgage ( and now have to request reimbursement from XXXX ) and pay escrow above the amount of the insurance. Noted detail of event and documents will be mailed to CFPB : XX/XX/XXXX Agent : XXXX XXXX Policy Home/Auto XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Email XX/XX/XXXX XXXX  XXXX Agent XXXX Fired from XXXX  and had been working on issues with XXXX ; however no notice to client. Home Insurance RECEIVED information that agent fired in/on XX/XX/XXXX. 
XX/XX/XXXX XXXX XXXX noted on more than 10 acres INCORRECT home on 1.89 coverages end XX/XX/XXXX Mailed NOT RECEIVED IN MAIL BY CLIENT XX/XX/XXXX XXXX XXXX XXXX Notice of Nonrenewal for XX/XX/XXXX to 1 ) client and 2 ) agent - XXXX XXXX Email NOT RECEIVED BY CLIENT ; AGENT XXXX NEVER CONTACTED CLIENT NO RECORDS OF AGENT CONTACT TO CLIENT GOOSEHEAD COULD NOT PROVIDE XX/XX/XXXX XXXX XXXX Service Agent Goosehead Notice of cancellation of unresolved underwriting concern. Email Client responded same date. 
XXXX Client continuous emails and phone calls to XXXX  Emails attached noting inability to get XXXX  to respond to homeowners insurance coverages Current XXXX XXXX appraisal/tax property record Noting : 1.84 acres - not ten as XXXX noted at issue. 
XX/XX/XXXX Email to Service Agent XXXX at XXXX another attempt Another attempt to get information and resolve issues regarding the noncoverage of homeowners insurances. 
XXXX - Phone calls to Truist ; mail to Truist regarding insurance issues XX/XX/XXXX - Phone call again to Truist receipt of increase in escrow. Truist states that it is their policy to force escrow if only in one day or one week and/or require a complete refinance to a higher ( in this case more than double ) interest rate.

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 2023-03-23 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: GA

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2023-03-23 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: VA

Complaint narrative:
To Whom It May Concern : I am concerned about the validity and accuracy of your recent investigation of the accounts that are reporting on my credit report. About 30 days ago I requested an investigation because I felt the item ( s ) below were not being reported legally. 
A couple of days ago I received a letter stating that your investigation was complete and the items listed above were Veried. 
This letter is my formation request for you to explain to me how you conducted your investigation and for you to provide me your method of verication.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: MD

Complaint narrative:
Received letter from ALDOUS and Associates, P.L.L.C in XX/XX/XXXX regarding a debt for a gym membership that I did not owe with an amount on or about {$350.00}. Sent a dispute form to them in XXXX. XX/XX/XXXX, ALDOUS and Associates sent a form with my contact information ( name, old email, phone # and dob ) from the parent account that had enhanced privilege and was cancelled in XXXX, this time with a debt of {$220.00}. There was my contact info for which my father provided for the enhancement on his account that was cancelled, but no signed agreement with me as that didn't exist. His account was an autopay for $ XXXX then with enhancement, $ XXXX total. When he cancelled in XXXX, that was that. On XX/XX/XXXX, I sent a dispute letter correspondence denying the debt, requesting a copy of a signed contract between ME and the facility, requested that they do not contact me again and note to any credit bureaus that the debt is disputed. On XX/XX/XXXX, ALDOUS and Associates claimed my dispute was invalid because they claim I was sent a copy of executed agreement ( which was never sent as it doesn't exist ). They sent contact info of my father ( email, contact info address ), but again provided no contract between me and the gym in their rebuttal correspondence but threatened to report a different debt amount of {$250.00} to credit bureaus. {$350.00}, {$220.00}, {$250.00} which is it? The bottom of the letter states, " At this time, no attorney with this firm has personally reviewed the particular circumstances of your account ''. I am sending one last do not contact letter and filing this claim as I have never signed an agreement with the gym ( I have attended school out of state far away and use my school email ) and never signed a membership contract to a facility. I believe this to be fraudulent/scam attempt to collect money that isn't owed and ruin my credit, or terrible accounting records at the gym in an attempt to collect money. Guest access on a parent gym card, a gym membership he cancelled in person, doesn't convert itself into a separate new contract between me and the gym, becomes an unpaid debt to collect from me. I never signed a membership contract with this small gym. My contact info that is what parent provided as the guest to use the enhanced card doesn't make me an account holder ( not when I was a minor and not when I did not sign anything agreeing to terms as an adult ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
This company has 2 inquiries on my credit report at the same time XX/XX/XXXX and XX/XX/XXXX of XXXX i did apply but was told that this will a soft check since i already have an account with them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 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: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 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: IA

Complaint narrative:
I submitted proof to Experian that my information and account number was incorrect, and that the account needed to be removed, and they ACTUALLY had the nerve to say they verified it, which means they did not even LOOK at what I sent them, considering I sent them proof it was incorrect

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 2023-03-23 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: AL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I got married and moved. I have tried to change my information online and through phone calls. They never properly changed my information therefore I did not receive my statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: FIRST HOME MORTGAGE CORPORATION
State: MD

Complaint narrative:
My name is XXXX XXXX. I was granted use and possession of my home through the circuit court after my divorce was finalized XX/XX/XXXX. The property is still in my ex-husband 's name XXXX XXXX. I was making on time mortgage payments until the mortgage rate changed. It stated in the court order i'm responsible for the payments and up keep of the property. My ex-husband should not have any interference with the property. The mortgage rate changed in XX/XX/XXXX. I called first home multiple times to make those payments and they would not assist due to the fact i don't have current rate information. Though he was suppose to surrender mortgage rates information and change, he did not, the ex-husband that it. I explained to First home and yet they refuse to take the payment. I even said i don't care what the rate is just schedule the payment. They refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 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: VA

Complaint narrative:
To Whom It May Concern : I am concerned about the validity and accuracy of your recent investigation of the accounts that are reporting on my credit report. About 30 days ago I requested an investigation because I felt the item ( s ) below were not being reported legally. 
A couple of days ago I received a letter stating that your investigation was complete and the items listed above were Veried. 
This letter is my formation request for you to explain to me how you conducted your investigation and for you to provide me your method of verication.

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 2023-03-23 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: VA

Complaint narrative:
To Whom It May Concern : I am concerned about the validity and accuracy of your recent investigation of the accounts that are reporting on my credit report. About 30 days ago I requested an investigation because I felt the item ( s ) below were not being reported legally. 
A couple of days ago I received a letter stating that your investigation was complete and the items listed above were Veried. 
This letter is my formation request for you to explain to me how you conducted your investigation and for you to provide me your method of verication.

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