vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-21 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: BANK OF HAWAII CORPORATION
State: CA

Complaint narrative:
-XX/XX/XXXX : I paid the remaining balance IN FULL via my online Bank of Hawaii portal in the amount of {$140.00} ( the entire balance as stated on their website - SEE ATTACHED DOCUMENT SHOWING BALANCE OWED, AND PAYMENTS MADE ). 

XX/XX/XXXX I was made aware of a missed payment only because I logged into the site to request that the account be closed. I called BOH to understand what was late and why I had a balance on the account when I already paid it in full. They were unable to answer my questions and told me that someone would call me back. After not hearing back I called back in and spoke to XXXX who told me she saw the notes from my last call and would get back to me with answers on why there was a {$6.00} balance and then a {$7.00} balance after I had paid the balance in full. I spoke to XXXX again on XXXX and was informed that interest had been charged on the account along with a late fee and that these fees weren't visible when I paid the published balance on the BOH website in XXXX. I agreed to pay the late fee and balance in full on XXXX with the understanding that the late payment report would be deleted from by credit report. Nothing was done by BOH after this call and the late is still on my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-21 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
It is mandatory that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of FCRA, 15 USC 1681 ( a ) ( 4 ).

1. Please block and remove this INACCURATE and UNFAIR data on my credit report. Chapter XXXX Bankruptcy Case Number : XXXX 2. Please block and remove this INACCURATE and UNFAIR data on my credit report. XXXX Account Number : XXXX 3. Please block and remove this INACCURATE and UNFAIR data on my credit report. XXXX XXXX XXXX Account Number : XXXX 4. Please block and remove this INACCURATE and UNFAIR data on my credit report. XXXX Account XXXX : XXXX 5. Please block and remove this INACCURATE and UNFAIR data on my credit report. XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX 6. Please block and remove this INACCURATE and UNFAIR data on my credit report. 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 explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
It is mandatory that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of FCRA, 15 USC 1681 ( a ) ( 4 ).

1. Please block and remove this INACCURATE and UNFAIR data on my credit report. Chapter XXXX Bankruptcy Case Number : XXXX 2. Please block and remove this INACCURATE and UNFAIR data on my credit report. XXXX Account Number : XXXX 3. Please block and remove this INACCURATE and UNFAIR data on my credit report. BK OF AMER Account Number : XXXX 4. Please block and remove this INACCURATE and UNFAIR data on my credit report. XXXX Account Number : XXXX 5. Please block and remove this INACCURATE and UNFAIR data on my credit report. BK OF AMER Account Number : XXXX 2 fo 1 egaP knalb : tuoba XXXX XXXX XXXX 6. Please block and remove this INACCURATE and UNFAIR data on my credit report. XXXX Account 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 2021-05-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
We signed up for a Chase/Marriott XXXX XXXXXXXX credit card in XXXX under the sign-up promotional offer of {$250.00} credit, no fee for the first year, and XXXX bonus points ( now increased to XXXX ) if we spent {$3000.00} in the first three months. Which we did, in XXXX. The fine print said points would be posted in 8 weeks. It's been 9 weeks, so we contacted the number on the back of the credit card to find out when the points would be posted to our account. We were told that the deal would not be honored, and we would receive no points. I've spent all day going back and forth with Chase/Visa customer service and XXXX  XXXX customer service. XXXX  XXXX says it's a credit card account problem that they can not help with. Chase/Visa pleads ignorance of the promotion, even though it's currently visible on the XXXX XXXX website and was also the reason we signed up for the credit card in XXXX. We have received the {$250.00} credit and have not been charged the fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
It is mandatory that consumer reporting agein a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of FCRA, 15 USC 1681 ( a ) ( 4 ).

1. Please block and remove this INACCURATE and UNFAIR data on my credit report. Chapter XXXX Bankruptcy Case Number : XXXX 2. Please block and remove this INACCURATE and UNFAIR data on my credit report. XXXX Account Number : XXXX 3. Please block and remove this INACCURATE and UNFAIR data on my credit report. BK OF AMER Account Number : XXXX 4. Please block and remove this INACCURATE and UNFAIR data on my credit report. XXXX Account Number : XXXX 5. Please block and remove this INACCURATE and UNFAIR data on my credit report. BK OF AMER Account Number : XXXX 6. Please block and remove this INACCURATE and UNFAIR data on my credit report. 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 explanation
Consumer complaint received 2021-05-21 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
It is mandatory that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of FCRA, 15 USC 1681 ( a ) ( 4 ).

3. Please block and remove this INACCURATE and UNFAIR data on my credit report. XXXX XXXX  XXXX Account Number : XXXX 4. Please block and remove this INACCURATE and UNFAIR data on my credit report. BRCLYSBANKDE Account Number : XXXX 5. Please block and remove this INACCURATE and UNFAIR data on my credit report. XXXX XXXX  XXXX Account Number : XXXX 2 fo 1 egaP knalb : tuoba XXXX XXXX XXXX 6. Please block and remove this INACCURATE and UNFAIR data on my credit report. XXXX Account 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 2021-05-21 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: DISCOVER BANK
State: NY

Complaint narrative:
It is mandatory that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of FCRA, 15 USC 1681 ( a ) ( 4 ). 
3. Please block and remove this INACCURATE and UNFAIR data on my credit report. XXXX XXXX  XXXX Account Number : XXXX 4. Please block and remove this INACCURATE and UNFAIR data on my credit report. XXXX Account XXXX : XXXX 5. Please block and remove this XXXX and XXXX data on my credit report. XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX XXXX  XXXX : XXXX XXXX XXXXXXXX XXXX 6. Please block and remove this XXXX and XXXX data on my credit report. DISCOVERBANK Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Purchased a new XXXX truck around XXXX of XXXX. Truck was totaled in auto accident XXXX of XXXX. XXXX XXXX received money from insurance company and released vehicle. A small balance was left but no statement was sent to inform me of the balance. 90 days passed before I was made aware and XXXX XXXX had flagged my acct as 90 days past due. I immediately paid the balance in full. I have disputed this numerous times and spent countless hours on phone with XXXX explaining the issue to no avail. The acct also continued to show {$0.00} past due after balance was paid in full. Please have the XXXX accounts removed from my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 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: MO

Complaint narrative:
Purchased a new XXXX truck around XXXX of XXXX. Truck was totaled in auto accident XXXX of XXXX. XXXX XXXX received money from insurance company and released vehicle. A small balance was left but no statement was sent to inform me of the balance. 90 days passed before I was made aware and XXXX XXXX had flagged my acct as 90 days past due. I immediately paid the balance in full. I have disputed this numerous times and spent countless hours on phone with XXXX explaining the issue to no avail. The acct also continued to show {$0.00} past due after balance was paid in full. Please have the XXXX accounts removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Purchased a new XXXX truck around XXXX of XXXX. XXXX was totaled in auto accident XXXX of XXXX. XXXX XXXX received money from insurance company and released vehicle. A small balance was left but no statement was sent to inform me of the balance. 90 days passed before I was made aware and XXXX XXXX had flagged my acct as 90 days past due. I immediately paid the balance in full. I have disputed this numerous times and spent countless hours on phone with XXXX explaining the issue to no avail. The acct also continued to show {$0.00} past due after balance was paid in full. Please have the XXXX accounts removed from my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
On XX/XX/XXXX I received notice that Synchrony Bank closed my visa card on XX/XX/XXXX without notice to me. The reason stated in the letter is that review of my account is indicative of high risk failure to pay. Even though I never missed a payment with them and paid down nearly $ XXXX over a 10 month period on an account with them that is on a 24 month promotion until XX/XX/2022. The only thing my credit history is indicative of is not paying fees as I use my credit wisely. Synchrony Bank should not get to impact my credit history with their nonsense. Nor should they get to close my account without notice and risk embarrassing if I had been declined in person. My credit score is over XXXX no thanks to them! 
Additionally when I asked the manager what entity outside of them federal or otherwise I could make a complaint about them to she said she didn't know. I argued with her that she should know being av financial institution. Being in a different regulated industry of a customer asks an employee that question they know exactly what state agency to direct them to.

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 2021-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
It is mandatory that consumer reporting agein a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of FCRA, 15 USC 1681 ( a ) ( 4 ). 


1. Please block and remove this INACCURATE and UNFAIR data on my credit report. Chapter XXXX Bankruptcy Case Number : XXXX 2. Please block and remove this INACCURATE and UNFAIR data on my credit report. XXXX Account Number : XXXX 3. Please block and remove this XXXXNACCURATE and UNFAIR data on my credit report. BK OF AMER Account Number : XXXX 4. Please block and remove this INACCURATE and UNFAIR data on my credit report. XXXX Account Number : XXXX 5. Please block and remove this INACCURATE and UNFAIR data on my credit report. BK OF AMER Account Number : XXXX 6. Please block and remove this INACCURATE and UNFAIR data on my credit report. 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 explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I received a letter today dated XXXX from TDD Retail Card Services regarding an application under an incorrect name with my personal home address, and likely my SSN. 

The fraudster is usuing my address, my first name with my mother maiden name. my mother is deceased. The fraudster had recently also used this name to try and collect unemployment benefits from XXXX. I have filed with them separately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I have an account with PayPal. I have been trying to withdraw approximately {$13000.00} from that account back to my linked accounts with two major XXXX XXXX from which I made the initials transfers into the PayPal account. Neither the mobile application or PayPal 's website is allowing the transfer due to systems issues. I have even tried to withdraw the funds by requesting a check to be mailed to my residence. That functionality is disabled as well. I have reached out and have spoken with a PayPal representative. The representative acknowledged the technical problems PayPal was experiencing and advised that the issue should be resolved within 48 hours. I asked if the representative can process the check to me after having verified my identity, and her response that she does not have the systems capability to manually process that request. 
Unfortunately, the issue was not resolved within the promised timeframe. In sum, my money has been stuck with PayPal for several weeks and I am being forced to incur finance charges on a credit card that I wish to pay off from the proceeds from my PayPal account. No company handling consumer funds should operate in this way - that is, to offer no avenue to withdraw the consumer 's money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-21 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX : I paid the remaining balance IN FULL via my online XXXX XXXX XXXX  XXXX in the amount of {$140.00} ( the entire balance as stated on their website - SEE ATTACHED DOCUMENT SHOWING BALANCE OWED, AND PAYMENTS MADE ). 

XXXX XXXX I was made aware of a missed payment only because I logged into the site to request that the account be closed. I called XXXX to understand what was late and why I had a balance on the account when I already paid it in full. They were unable to answer my questions and told me that someone would call me back. After not hearing back I called back in and spoke to XXXX who told me she saw the notes from my last call and would get back to me with answers on why there was a {$6.00} balance and then a {$7.00} balance after I had paid the balance in full. I spoke to XXXX again on XXXX and was informed that interest had been charged on the account along with a late fee and that these fees weren't visible when I paid the published balance on the XXXX  website in XXXX. I agreed to pay the late fee and balance in full on XXXX with the understanding that the late payment report would be deleted from by credit report. Nothing was done by XXXX after this call and the late is still on my credit report.

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 2021-05-21 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: TX

Complaint narrative:
XXXX  and Equifax are refusing to validate my dispute requests and this is a Violation of the FCRA ... I will go to the FTC if my disputes are not validated and deleted today. 

My state and the applicable federal regulations and standards for proper lawful reporting requires that any injurious claim of delinquency and or derogatory information be factual and physically verified reporting standard ( s ). The inability to validate and certify compliant reporting is grounds to demand deletion of claims, and this is my contradiction and denial to any negative implication and my right to insist such reporting be deleted immediately. Please supply the following information in complete detail : Why you think I owe the debt, and to whom I owe it, including name, address of creditor for the debt, the account number, and the amount owed. Provide the name and address of the original creditor & account number, and the amount owed at the time it was transferred. Provide verification and documentation such as a contract claiming that I am required to pay the debt to the current creditor. Provide verification and documentation about why this is a debt that I am required to pay. The amount and age of the debt, specifically : A copy of the last billing statement sent to me by the original creditor. If there have been any additional interest, fees, or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. If there have been any payments or other reductions since the last billing statement from the original creditor provide an itemization showing the dates and amount of each of them. If you fail to provide any of the information or documentation above, please say why. If you do not provide it, and do not explain why, I will understand that you are unable to confirm or document your claims. 

XXXX XXXX XXXX XX/XX/

Company response to consumer: Closed with explanation