vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I logged into my BofA website ( which I rarely do because I rely on paper statements ), and noticed XX/XX/XXXX that an account was past due. I called right away and found out that I had been unknowingly switched to electronic statements. I checked my messages and found that they had emailed me the following : Problem with your e-mail address XX/XX/year> Our recent attempt to email you at XXXX failed. As a result, we are unable to email you about your scheduled payments and incoming XXXX. Please verify that your email address is correct and you are able to receive new emails at this address. If your address is already listed correctly, please contact customer support for assistance. Thank you! 

This was my old work email address I had no access to. So I had received no statements where I knew a balance was due at this point, but they had already reported me 30 days late to the credit bureau. On the call, they promised me they would have this removed from my credit report for this reason. I later received a note from BofA dated XX/XX/year> stating " We researched the delinquency and didn't find any errors. '' So I disputed this with the credit bureau. I learned today ( XX/XX/year> ) that BofA indicated that the reporting was accurate and they would not change it and so it is staying on my XXXX. I called BofA again today and spent a long time on the phone. They reversed the late charge and then told me there was nothing they could do despite this being a " bank error. '' They would not provide me with anything in writing indicating what happened, and that I would just have to live with the fact that this would not be changed. I expressed that I take paying my bills on time seriously and my credit, and that I believed they could change it if they wanted to. They said they could not. I believe my consumer rights have been violated first by switching me to electronic statements without my consent ( I had absolutely no idea ) and then telling me they would fix the credit report and not fixing it. My one request is that they remove the 30 days late because this was not my fault. I didn't realize I had a balance to pay because I rely on paper statements that come through the mail to pay my bills because I get WAY TOO MANY emails to sift through my bills via email. I would like this 30 day late removed from my credit file ASAP.

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 2024-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
FCRA 605B, I think, mandates the removal of any inaccurate accounts from my credit report. Would you mind checking the documents? Some of the listed accounts have inaccuracies in reporting, with incorrect amounts and dates.

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 2024-04-30 00:00:00
Product: Credit reporting 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:
The items listed on my credit I don't know I was XXXX  from XXXX to XXXX and never used credit they need to remove them XXXX  XXXX XXXX  Account number XXXX Account name XXXX  XXXX XXXX Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Credit reporting 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:
The items listed on my credit I don't know I was XXXX from XXXX to XXXX and never used credit they need to remove them XXXX XXXX XXXX Account number XXXX Account name XXXX  XXXX XXXX Account number 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 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Recently I looked at a copy of my credit report an noticed several inaccuracies on my account. These accounts is hurting my ability to obtain credit. It is my understanding that you will investigate these Items for me to ensure accuracy. Here is the items I am asking you to verify as accurate : XXXX XXXX XXXX  ACCOUNT # XXXX, AN ALSO XXXX XXXX  Account # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Recently I looked at a copy of my credit report an noticed several inaccuracies on my account. These accounts is hurting my ability to obtain credit. It is my understanding that you will investigate these Items for me to ensure accuracy. Here is the items I am asking you to verify as accurate : XXXX XXXX XXXX ACCOUNT # XXXX, AN ALSO XXXXXXXX XXXX Account # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I logged into my BofA website ( which I rarely do because I rely on paper statements ), and noticed XX/XX/XXXX that an account was past due. I called right away and found out that I had been unknowingly switched to electronic statements. I checked my messages and found that they had emailed me the following : Problem with your e-mail address XX/XX/year> Our recent attempt to email you at XXXX failed. As a result, we are unable to email you about your scheduled payments and incoming XXXX. Please verify that your email address is correct and you are able to receive new emails at this address. If your address is already listed correctly, please contact customer support for assistance. Thank you! 

This was my old work email address I had no access to. So I had received no statements where I knew a balance was due at this point, but they had already reported me 30 days late to the credit bureau. On the call, they promised me they would have this removed from my credit report for this reason. I later received a note from BofA dated XX/XX/year> stating " We researched the delinquency and didn't find any errors. '' So I disputed this with the credit bureau. I learned today ( XX/XX/year> ) that BofA indicated that the reporting was accurate and they would not change it and so it is staying on my XXXX. I called BofA again today and spent a long time on the phone. They reversed the late charge and then told me there was nothing they could do despite this being a " bank error. '' They would not provide me with anything in writing indicating what happened, and that I would just have to live with the fact that this would not be changed. I expressed that I take paying my bills on time seriously and my credit, and that I believed they could change it if they wanted to. They said they could not. I believe my consumer rights have been violated first by switching me to electronic statements without my consent ( I had absolutely no idea ) and then telling me they would fix the credit report and not fixing it. My one request is that they remove the 30 days late because this was not my fault. I didn't realize I had a balance to pay because I rely on paper statements that come through the mail to pay my bills because I get WAY TOO MANY emails to sift through my bills via email. I would like this 30 day late removed from my credit file ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
Third party collection agency is reporting inaccurate and incorrect information to the three credit bureaus. They are aging account, which incorrect information reporting which requires the account to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I've consistently made sure payments are made on time for this account, never allowing them to become overdue. I'm uncertain about why there are reports of late payment remarks on my accounts. According to 15 USC 1666b, billing errors should be corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
recently i looked at a copy of my credit report and noticed several inaccuracies on my account. These accounts are hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here are the items i am asking you to verify as accurate : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-30 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
Per this credit debt the company has not resolved the dispute predatory lending on the credit debt please go the credit account all the disputes I filed about the {$1000.00} credit limit now they wont let me pay this debt I tried to go to their bank and pay this and they won't let me pay the monthly fee wise the debt by my filings.

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 2024-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I recognize that under FCRA 605B, it's crucial to eliminate any erroneous accounts from my credit report. Would you kindly review the documents? I've observed that a significant number of the listed accounts appear to be incorrect, and this is troubling 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 non-monetary relief
Consumer complaint received 2024-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: AmeriHome Mortgage Company, LLC
State: FL

Complaint narrative:
After my home mortgage was secured through XXXX XXXX, Amerihome mortgage purchased my loan. Since the purchase AmeriHome has not processed my payments in a timely manner. Since XXXX of XXXX, the time they processed my checks were delayed later and later until I received a late fee. The payment for XXXX was not processed until XX/XX/XXXX and the payment for XXXX was never processed even though I delivered proof that both payments were sent days prior to the start of each month so that the payments would be delivered on the XXXX of each month. I never received a phone call, email or any other correspondence outside that the initial email with the supporting documents were received. Their reasoning was that the mail was late delivering the payments, however the mail does not take 6 weeks to deliver an envelope and then the next month completely lose the payment altogether. The company is trying to assess a {$60.00} plus dollar late fee for their inability to track and process mail delivered to their address. After paying the missing payments to a representative on the phone on XX/XX/XXXX, Amerihome Mortgage then processed the check for XXXX payment on the same day resulting in 3 months worth of payments being process on the same day. All this after stating they never received the payment for 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 2024-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma, LLC
State: WV

Complaint narrative:
I will attach the dispute forms where they approved one set of transactions but denied the rest. Im confused because they approved a group Of transactions and made my provisional credit final, but then turned around and denied the rest when the transactions were to the same place as the ones they approved. They my account negative {$3300.00} when they took back provisional credits for a bunch of transactions related to gambling, however approved my other disputes for the same type of transactions for {$1900.00} and made those provisional credits final. How can they approve {$1900.00} worth of transactions and say yes they were fraudulent and an error occurred but then turn around and take back {$3300.00} saying that no error occured when the transactions are all to the same Place around the same time. Ridiculous

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I submitted a a complaint because our old mortgage loan was still showing up and being reported even though it's been paid off for a while. Although, they did stop reporting and now show a XXXX  balance, the " late '' payments are still showing and negatively affecting my score. Please delete the entire 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 non-monetary relief
Consumer complaint received 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I submitted a a complaint because our old mortgage loan was still showing up and being reported even though it's been paid off for a while. Although, they did stop reporting and now show a XXXX  balance, the " late '' payments are still showing and negatively affecting my score. Please delete the entire account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. I sent a letter to XXXX on XX/XX/2023 and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix nothing. There are breaking Federal law According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 15 USC 1681 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified deleted from the file of the consumer.

According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. is, in fact, inaccurate. 
This is unfair and if they are doing this to me imagine who else they are doing this too. 
Can you fix it.

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 2024-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: KS

Complaint narrative:
On Wed, XX/XX/XXXX I used the Buy it Now option on XXXX to purchase a {$12000.00} XXXX XXXX. I was skeptical of the listing but decided to take the chance thanks to XXXX XXXX  XXXX XXXX XXXX and my use of Paypal as a safe transfer method in the past. 
XXXX instructed me to reach out to the seller, username : XXXX, name : XXXX XXXX, email : XXXX, through their messaging service rather than allowing me to pay through XXXX. We agreed on payment through Paypal. In order to send the funds I needed to move money from my XXXX XXXX  account into Paypal. I then received an invoice on Paypal and sent the payment of {$13000.00} on XXXX, XX/XX/XXXX. 
Over the next several days I attempted to contact the other party however he did not respond. I requested for XXXX to step in, however they instructed me to reach out to my payment method. I then took the initiative to dispute the transaction through PayPal but was denied based on their policy regarding vehicles. I also went to XXXX XXXX  but since I had technically authorized the transaction, I was not allowed a refund based on their policy. 

I am appalled by the lack of concern and policy structure regarding an obvious case of fraud. I have filed a report with the Federal Trade Commission as well. I have documented the events in the images below.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2024-04-30 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Interest rate
Company: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
My Husband and I applied for a Home Equity loan with PenFed CU in the latter part of XXXX or early XX/XX/XXXX. We were told that the loan would be a HELOC. We were not familiar with this type of loan. I do remember stating we wanted a traditional Home Equity Loan with or without a cash out option. We were never made aware that there was a provision that prohibited us from securing a HELOC. We were told we would have to wait one full year before applying for a refinance with the cash out option. 
We understood the interest rate would be the prime rate at that time and we could lock in at that rate or later. Also, we would have incurred an additional 3 % interest rate at the point we locked in the rate. As the prime rate continued to rise we waited hoping it would decline. But that never happened. On many occasions I contacted PenFed to check the interest rates. We have endured an extreme financial hardship after obtaining the HELOC. We have submitted several applications with different lenders to obtain a refinance of our Home Equity. But, were denied. Even the application we submitted to PenFed was denied due to our debt to income status. PenFed of all the lenders should have refinanced the HELOC as a second lien home equity loan or refinanced our first mortgage with the HELOC to relieve us of this hardship. We later learned and understood the 50 ( a ) 6 provision restricts Texas residents from securing a HELOC. But, for some apparent reason we were able to obtain a HELOC. I dont understand how this atrocity could have happened. My Husband and I did not withhold any information nor did we defraud the lender to obtain the loan. PenFed should be liable to make us whole or reach a compromise settlement to correct their error/wrong and we should be compensated for the interest we paid since the loan was secured. 

XX/XX/XXXX - Also sent an email to XXXX XXXX, XXXX for XXXX XXXX XXXX XXXX XXXX with PenFed CU.

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