vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I was mislead by Bank of America that I can get a preapproval for a va home loan. Promised they can add my tax exemption to help with my debt to income is. Was denied because they cant add my tax exemption after saying they would. Now instead of getting a 3.375 interest rate and XXXX in closing assist Im stuck in the final stages with a lender charging me a higher interest of 3.750 rate and a estimate of XXXX In Closing cost. Attached is clear proof of my tax exemption that helps my mortgage not be 1/3 over my income on a XXXX loan. I even had preapproval sent to me.Im currently under contact and I had no choice but to pick a lender instead of dispute because I have 10 days to close

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 2022-02-26 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: VA

Complaint narrative:
On XX/XX/2022 I have contacted XXXX, TransUnion and XXXX several times about the inaccuracies on the Dept of ED/ XXXX and XXXX that are being reported. Also there is a problem with the days being reported late.

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 2022-02-26 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: VA

Complaint narrative:
On XX/XX/2022 I have contacted Equifax, XXXX and XXXX several times about the inaccuracies on the Dept of ED/ XXXX and XXXX that are being reported. Also there is a problem with the days being reported late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 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: VA

Complaint narrative:
On XX/XX/2022 I have contacted XXXX, XXXX and Experian several times about the inaccuracies on the Dept of EDXXXX XXXX and XXXX that are being reported. Also there is a problem with the days being reported late.

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 2022-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/2022 using my Bank of America checking account I placed an order worth of {$17000.00} on XXXX  Website. 
XXXX has lost the package and paid XXXX for the claim and XXXX is neither refunding nor shipping my order. And XXXX is telling me that they dont want to talk to me anymore. 

I asked bank to reverse the payment and they said they cant. 

My money has been lost.

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 2022-02-26 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: TX

Complaint narrative:
In accordance with fair credit reporting Act XXXX XXXX XXXX with account number XXXX has violated my right.

15 USC 1681 Section 602A. State I have a right to privacy.

15 USC 1681 Section 604A Section 2. It also state a consumer reporting agency can not furnish an account without a 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 2022-02-26 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: DISCOVER BANK
State: WA

Complaint narrative:
I have tried numerous times with Discover to take out my payment within a decent time. They take up to XXXX days and have taken longer to take out my payment. I have had stellar payment history, even though the pandemic. As soon as I moved to XXXXXXXX XXXX I have been having problems with them taking my payment out. They keep saying it is because my bank has not confirmed that they can take the payment from my account yet, when I call my bank they tell me they haven't received anything from Discover. That has been the back and forth. I live paycheck to paycheck right now due to XXXX and have not been making the money that I used to be making. Taking XXXX days to take out a payment does not work for me, plus they have never done this in the XXXX years I have been with them. This has resulted my account going negative and shutting the card off. Another factor is I could only pay XXXX dollars on my card this month. They received the payment and it was taken from my bank account but ( originally XXXX, - {$140.00} ) and now that the payment processed and went though I am now at XXXX, - {$170.00}. That makes XXXX since to me. If I pay something, usually its supposed to be subtracted from the total not added. They will not help me nor, send the collections payment to someone else so I can pay this off. It has affected my credit score drastically since dealing with this and can do nothing for myself. I am drowning as is with XXXX and having to move cities just to stay afloat.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 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: FL

Complaint narrative:
Fraudulent inquiries on credit report XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2022-02-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Fraudulent inquiries on credit report XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 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: U.S. BANCORP
State: MO

Complaint narrative:
I ordered a part from XXXX XXXX  being XXXX heating element for {$58.00}, but I tried to cancel it the same day I ordered it. The item was then refused on XX/XX/XXXX because the package appeared damaged, and I never opened it. It was returned to the seller on XX/XX/XXXX, but I never received a refund so I filed a dispute with XXXX credit card. XXXX proves it by the tracking number. After sending all the information about it to the credit card Cardmember service they sent me their standardized XXXX form which I returned back to them. I then received notice that my dispute was denied. After many phone calls to the dispute department telling me the issue was resolved because they wanted the date, I cancelled the order which I provided. I faxed them a copy of my email to XXXX XXXX on XX/XX/XXXX. Next, I received another letter from them again telling me they want proof I cancelled the order. This is some type of violation of the law since XXXX told me one does not even have to give a reason to cancel a shipment. I then faxed them a copy of the email I sent to XXXX XXXX on my invoice stating I wanted to cancel this order on XX/XX/XXXX. I then received another notice saying that since I did not provide them proof, I will be charged again. I then sent a fax again with the information not knowing what they wanted on XX/XX/XXXX. I then received another letter telling me that the email to XXXX XXXX is not proof? They also XXXX and libeled me saying they are going send my information to the credit reporting agencies if I do not pay my bill? I have an excellent credit history which makes no sense. At this point I needed outside help to resolve this issue with the credit card company being in error about this dispute. The item was returned to the business, not returned back to me, and they did not credit me back. I am due a credit since the company can not have both the part back and my money.

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 2022-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am filing this complaint against CHASE bank. Upon my return from a vacation I received a text that my account was overdrawn. This seemed odd as I only made a small purchase at the airport and I had more than adequate funds in my account. Upon reaching state side I called chase and was told by a rep that told someone to deposit {$7000.00} in my account. I tried to enquire where and when this took place because for XXXX I know another person can not deposit cash into a chase account. I was told there was an investigator and I would need to speak with them. I was not given a name or any contact information. I waited a day but no call back so I called them again I was given a name and email and a phone contact. I called and spoke with the investigator and was told that there was a scam and the funds were being channeled through my account. I was advised there was a court order to freeze both my accounts. CHASE has never sent me a copy of this court order I went to the branch and requested same and was told by the account manager or manager there that they were closing soon. I also tried to get it from the investigator all this has since been in XXXX of XXXX. 
I was not involved in any fraud, though I sent a recording of all the email correspondence indicating I was not involved and had no knowledge of any such transgressions. At the same time they have not proven anything to me or provided me with any proofs of what they are accusing me of and I was advised my money is being seized because I transferred money from XXXX account to another. I explained the person in question asked me on several occasions to purchase stuff for her which I did from my other account there and simply transferred the money back because I did not have the card I had given the card to my then XXXX. I dont care if they close the account or seize the money in the account that the deposits took place I just want my money that I worked for and my account shows my paychecks are the only monies

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 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: TX

Complaint narrative:
I have sent in numerous dispute letters and FTC reports to Equifax, XXXX, and XXXX  to have these items deleted off of my consumer report. There are 4 negative accounts reporting inaccurate information along not having my permission to report private information. XXXX XXXX XXXX {$3500.00}, XXXX XXXXXXXX XXXX XXXXXXXX {$3000.00}, XXXX {$5300.00}, XXXXXXXX XXXX XXXX XXXXXXXX {$850.00} These accounts are reporting as charge off accounts. Charge off accounts are reported as income to the IRS and by law income CAN NOT be reported on a consumer report. Also, I did not give consent to have these accounts reported to my consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
on XX/XX/2022 while at work I received a text message alert from Huntington Bank that a withdrawal from a non Huntington Bank was made in the amount of {$200.00} Which i did not authorize. I immediately checked my wallet and noticed that my Huntington ATM Card was gone. I quickly contacted Huntington Bank and made Them aware of the problem. upon making them aware of the problem there were several other unauthorized purchases which I also made aware to Huntington Bank. Huntington Bank said they would investigate the matter and contact me when they were finished. I never heard from Huntington Bank. Instead I received a letter from the bank claiming that they found the atm withdrawal to be authorized because the right pin to the account was used which is obscene because anybody could have watched me use the atm and then stole my card or anything of that matter its not hard for crooks and criminals to get a pin number. Huntington Bank has not provided me with no evidence of any kind especially that shows those transactions were authorized by me.on XXXX XXXX XXXX Huntington Bank have charged my bank checking account with all of the fraudulent charges, withdrawals and overdraft fees. someone stole my banking information and used it and Huntington Bank wants to make me pay for it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-26 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 — Card was charged for something you did not purchase with the card
Company: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
I never opened the Destiny Mastercard but received a bill in the mail. I checked and noticed that this bill is also on my XXXX  credit account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On or about XX/XX/2020 I was receiving much needed benefits for the entirety of XXXX full months till the other shoe dropped and my benefits stopped because of the negligence of Bank of America and there inability to communicate during a fraud pandemic. Understandably they where busy from making the grave mistake of allowing full access to anyone who get their hands on the card for XXXX  XXXX. I had made several full fraud complaints to the bank and XXXX to XXXX but they continued to let the man steal my benefits till I gave up trying. Its been almost XXXX years now and my life and my children 's life drastically suffered.

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 2022-02-26 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: TX

Complaint narrative:
I have sent in numerous dispute letters and XXXX reports to XXXX, Transunion, and XXXX to have these items deleted off of my consumer report. There are XXXX negative accounts reporting inaccurate information along not having my permission to report private information. XXXX XXXX services {$3500.00}, XXXX XXXXXXXX XXXX  XXXX {$3000.00}, XXXX {$5300.00}, XXXX XXXXXXXX XXXX XXXXXXXX {$850.00} These accounts are reporting as charge off accounts. Charge off accounts are reported as income to the IRS and by law income CAN NOT be reported on a consumer report. Also, I did not give consent to have these accounts reported to my consumer.

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 2022-02-26 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: TX

Complaint narrative:
I have sent in numerous dispute letters and XXXX reports to XXXX, XXXX, and Experian to have these items deleted off of my consumer report. There are XXXX negative accounts reporting inaccurate information along not having my permission to report private information. XXXX XXXX services {$3500.00}, XXXX XXXX XXXX  XXXX {$3000.00}, XXXX {$5300.00}, XXXX XXXXXXXX XXXX XXXXXXXX {$850.00} These accounts are reporting as charge off accounts. Charge off accounts are reported as income to the IRS and by law income CAN NOT be reported on a consumer report. Also, I did not give consent to have these accounts reported to my consumer.

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 2022-02-26 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: Nelnet, Inc.
State: LA

Complaint narrative:
XXXX XXXX {$30.00} inaccurate and was suppose to be deleted since XXXX. 

NelNet Student Loans Invalid Dates need to be removed off report. 

XXXX XXXX XXXX been inaccurate for over XXXX years account closed already. Please delete. 

Update credit card balances Total Debt is wrong. Please verify and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: NY

Complaint narrative:
I have contacted Enhanced Recovery and XXXX about a debt on my credit report that does not belong to me. The debt is listed on my credit report as XXXX. I have sent numerous correspondence requesting validation of the debt that includes my signature and authorization. XXXX has not provided me with the requested information. Therefore, I am demanding the account be removed from my credit report. The dates that I sent certified letters to XXXX pertaining to this debt are as follows : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 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: Mountain Run Solutions, LLC
State: CA

Complaint narrative:
I have been requested to pay for a collection that is not mine. I ask for a contract and they sent a fraudulent contract with a signature that is not my signature. It is for an alarm service where I don't live and have not authorized anyone to use my name or credit. This can only be stolen identity because this is not credit account. Three years ago, XXXX, XXXX tried to collect from me, I explained this was not my account and they removed from the credit bureau, then approximately a year later XXXX, I received mail from another collection agency which I don't know the name. Now I'm receiving from another collection agency. They just keep selling this unauthorized, fraudulent debt. The email address, telephone numbers or the bank account the funds were being drawn from is not mine or has ever been associated with me.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
XXXX XXXX {$30.00} inaccurate and was suppose to be deleted since 2021. 

XXXX Student Loans Invalid Dates need to be removed off report. 

Student Loan Delinquency been inaccurate for over ten years account closed already. Please delete. 

Update credit card balances Total Debt is wrong. Please verify and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 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: GA

Complaint narrative:
I have been in communication with EXPERIAN, XXXX and XXXX and DEPT OF EDXXXX in multiple reports to point out an error that has been reported on my consumer report. Derogatory remarks have cost me the ability to extend my credit, getting denied for credit and had substantial injury for years over this false reporting. 
I have 7 paid in full accounts with DEPT OF ED/XXXX On my consumer report, it states that I had a 90 day late payment in XXXX of XXXX. I asked for EXPERIAN and DEPT OF EDXXXX to please provide evidence that I was ever late for a payment. In XX/XX/XXXX, my accounts were all in good standing and then in XX/XX/XXXX, it states I have a 90 day late payment. This is impossible in 30 days to have a 90 day late payment. 
In the last updated report # XXXX which was first started in XX/XX/XXXX and again in XX/XX/XXXX ; I sent in evidence and clearly identified the error. ( attached ) During this dispute, EXPERIAN, XXXX and XXXX did not remove the 7 accounts during verification, which is a direct violation under the United States codes of Debt collection practices in Title 15. 
I have pointed out the clear error. I am asking that all 90 day late payments be deleted from all consumer reports. All accounts should remain as they are paid in full with 100 % on time payments from each account.

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