vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: KS

Complaint narrative:
On XX/XX/2019, I received a bill in the mail for my deceased mother from XXXX. My mother died on XX/XX/2019. 

The bill is for {$8.00}. It shows a {$4.00} payment was returned on XX/XX/2019. Her checking account was not closed until XX/XX/2019. 

In addition, I tried to phone them this evening to advice them she is deceased and to close her account. I called around XXXX and spoke to a person named XXXX . When I called her to say I was needing them to close the account because the cardholder was deceased, she claimed she was having phone problems and told me to hold on. Then the call dropped. 

I tried to call back, received their automated system, but when I asked the system to transfer me to customer service, it left me on a dead hold. I finally just hung up and decided to submit the death certificate to your office and to get an explanation why the {$4.00} was returned on XX/XX/2019 according to the statement. As stated before, her banking account was not closed until XX/XX/2019, and at the time of closure, she had over {$1500.00} in the account. On XX/XX/XXXX when the check was returned, she had over {$1700.00} in the account. I know this because I had tried to close out the account earlier to pay for cremation expenses, but I had a difficult time getting them to accept the pending unofficial death certificate. That is a completely separate complaint against XXXX XXXX   that has been filed with your office, the attorney general of Missouri, the Missouri department of Finance, and the Federal Reserve Bank. 

I need written verification that the account has been closed. And I need the CFPB to figure out why they put down a returned check for {$4.00} well before her account was even closed out.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-27 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: NV

Complaint narrative:
The account listed on my credit report from XXXX is listing the account as settled for a lesser amount. I had two accounts on my credit report from them the original account and a judgement account. The original account still remains which is fine, but I paid the full balance of what was owed on the vehicle, as I was garnished by XXXX  for the amount. They filed a Court claim and I did not receive the initial information, and they received a judgement. Under the new reporting rules, judgements can not be listed or referred to on the credit reports. Therefore, XXXX  is reporting inaccurate information under the original account when they state the account was settled for less than the original amount. I disputed this information in XX/XX/2019 through Transunion and advised of this, asking them to dispute this information. Transunion came back after a few days saying the information was accurate. 

This is not accurate as I paid over {$20000.00} to XXXX  regarding this vehicle account and the original amount was {$14000.00}.

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 2019-01-27 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: TX

Complaint narrative:
Hello, I am XXXX XXXX I have a XXXX bank XXXX XXXX credit card account # Account # XXXX XXXX XXXX XXXX, in XX/XX/2018 I placed a fraud freeze on my credit at the credit bureaus, XXXX XXXX  closed my account and sent me a letter stating that the account was fraudulent, I called them and told them that it was not and never wanted the account closed, they told me nothing could be done, I made several calls to all there departments including the fraud team, I talked to customer service and set up payment at {$100.00} a month and my minimum payment is {$35.00} conf # XXXX everything has been fine until XXXX I called to increase my payments and the agent told me the account was closed and I could no longer make payments at all I told her that payment arrangements are already been made the agent said no payments will be made and she told me that she closed my account and draft for payments to the account, XXXX XXXX  then reported me to the credit bureaus for a late fee and that the account was a CHARGE OFF/ BAD DEBT and THAT I WAS LATE ON A PAYMENT, I HAVE NEVER BEEN LATE AND ALLWAYS PAID MORE THAN TWICE THE AMOUNT DUE, now my credit dropped 60 points on all 3 bureaus, I called them back and I was told to fax a letter to the XXXX  dispute dept. at fax XXXX and that was the only way that I could reach them at all, I could not call them, I have sent many letters including the latest letter that I have uploaded to this claim, every time I call they do not care to talk to me or help me at all, I never wanted the account to be closed at all I have been making payments at {$100.00} every month even though this is on my credit as a charge off for bad debt and a late payment, would you help me please, thank you for what ever can be done to fix my credit back. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx 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 non-monetary relief
Consumer complaint received 2019-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Right now I have XXXX XXXX trying to pull my report and everytime it comes back stating that the social security number not found. Everytime I call Equifax they claim that they need verification a copy of my ssi card, utility bill and ID, I've sent it to them 4 times already. However they say they never recieved it. I sent both fax and certified mail. I feel that they are mixing my file with someone elses. Also I've been having issues with them removing inquiries from my report then somehow adding them back on.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-27 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: CITIBANK, N.A.
State: OH

Complaint narrative:
My problem is with CitiBank, I received a new card from them in XX/XX/2018, they offered a 0 % balance transfer which I took advantage of, I make all my payments on time I pay more than the minimum amount. I never received a statement from the bank until they sent me a collections notice in the mail, and during this time I was taking my husband to hospitals and numerous doctors as he is a XXXX XXXX   XXXX Veteran XXXX. I informed CitiBank that after my first bill, I always set up automatic payments, they informed me that they would remove this from my report but never did, my score dropped 60 points and it's the only derogatory item on my report and as I pay it down they keep lowering my credit limit to make it look like I'm always maxed out, which keeps lowering my credit score. This is unjustified. Thank you for any assistance.

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 2019-01-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
After disputing these inquiries the reporting agencies investigation came back verified. However, I'm requesting the Method Of Verification as my rights via the FCRA and if I'm not given all the methods of verification as I'm requesting then these inquiries shall be removed as they are unauthorized. The following inquiries are ( 1 ) XXXX ( XX/XX/XXXX ), ( 2 ) XXXX XXXX ( XX/XX/XXXX ), ( 3 ) XXXX XXXX ( XX/XX/XXXX ), ( 4 ) XXXX XXXX XXXX  ( XX/XX/XXXX ), ( 5 ) XXXX XXXX ( XX/XX/XXXX ) ( XX/XX/XXXX ), ( 6 ) XXXX XXXX ( XX/XX/XXXX ), ( 7 ) XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), ( 8 ) 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 explanation
Consumer complaint received 2019-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
The mortgage company is charging my mortgage account with an unauthorized charge of {$37.00} monthly for an unauthorized optional service. The mortgage company is unable to provide me information as to who they are paying this monthly charge to, what is the optional service account number and what is the payment recipient 's contact information for me to remove the monthly charge from my mortgage account. This has been going on for several years now. And now, the mortgage company has started charging me monthly interest on my non-payment of this disputed monthly optional service charge. I need your help in having the mortgage company remove the {$37.00} monthly charge from my account and the interest on it. I have been trying to resolve this issue with the mortgage company for years now. Please help. Thank you PS My mortgage payments are never late. Most of the times, my mortgage payment is made earlier than the due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-27 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: MO

Complaint narrative:
After disputing these inquiries the reporting agencies investigation came back verified. However, I'm requesting the Method Of Verification as my rights via the FCRA and if I'm not given all the methods of verification as I'm requesting then these inquiries shall be removed as they are unauthorized. The following inquiries are ( 1 ) XXXX ( XX/XX/XXXX ), ( 2 ) XXXX XXXX ( XX/XX/XXXX ), ( 3 ) XXXX XXXX ( XX/XX/XXXX ), ( 4 ) XXXX XXXX XXXX ( XX/XX/XXXX ), ( 5 ) XXXX XXXX ( XX/XX/XXXX ) ( XX/XX/XXXX ), ( 6 ) XXXX XXXX ( XX/XX/XXXX ), ( 7 ) XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), ( 8 ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-27 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: MO

Complaint narrative:
After disputing these inquiries the reporting agencies investigation came back verified. However, I'm requesting the Method Of Verification as my rights via the FCRA and if I'm not given all the methods of verification as I'm requesting then these inquiries shall be removed as they are unauthorized. The following inquiries are ( 1 ) XXXX ( XX/XX/XXXX ), ( 2 ) XXXX XXXX ( XX/XX/XXXX ), ( 3 ) XXXX XXXX ( XX/XX/XXXX ), ( 4 ) XXXX XXXX XXXX ( XX/XX/XXXX ), ( 5 ) XXXX XXXX ( XX/XX/XXXX ) ( XX/XX/XXXX), ( 6 ) XXXX XXXX ( XX/XX/XXXX ), ( 7 ) XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), ( 8 ) 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 2019-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC.
State: NC

Complaint narrative:
I asked that my PMI be dropped. I even opened a case with their escalations department. All they are willing to do for me is appraise the house so that I can manually remove PMI. My loan was at 78 % in XX/XX/2018. It should have automatically fell off then. I dont feel like I should have to pay {$450.00} for an appraisal, I feel like they owe me {$450.00} in back PMI payments. 
My account is with Suntrust bank. Loan was for XXXX purchase price. It is at XXXX now. I'm still paying $ XXXX/m for PMI.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-27 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: NM

Complaint narrative:
Equifax and XXXX  are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
UPON LOOSING MY LAPTOP AND THE CARRYCASE FOR SUCH THAT MY CARDS WERE IN I REPORTED IT TO WELLS FARGO. I ALSO NOTICED A BANK ERROR THAT SHOWED MY ACCOUNT TO HAVE AN INCORRECT DEPOSIT THAT I HAD NO KNOWLEDGE OF I ASK THE BANK TO FREEZE MY ACCOUNT BECAUSE SOMEONE WAS DOING TRANSACTIONS WITHOUT MY CONSENT OR KNOWLEDGE THA REP TOLD ME ASSURINGLY THAT MY ACCOUNT WOULD BE FROZEN. DAYS LATER I NOTICED THAT IT WAS INDEED NOT FROZEN AND THAT MORE MONEY WAS BEING DEPOSITED INTO MY ACCOUNT VIA CHECKS AS LATER CONFIRMED THROUGH RESEARCH. I SPOKE SEVERAL TIMES TO THE FRAUD DEPARTMENT ONLY TO BE PUSHED FROM DEPARTMENT TO DEPARTMENT. AND LIED TO IN THE END THIS BANK CHARGED MY ACCOUNT FOR AN AMMOUNT OVER 2,000 DUE TO FRAUDULENT CHECKS. THAT I INITIALLY BROUGHT TO THEIR ATTENTION. THE SIGNATURE IS NOT MINE, AND THEY DID NOT HAVE ANY FORM OF ID WHEN THEY DEPOSITED SAID CHECKS INTO MY ACCOUNT AND WITHDREW THE FUNDS OR PARTIAL FUNDS SAME DAY. THE BANK REFUSED TO STOP THE TRANSACTIONS BUT INSTEAD TREATED ME AS IF I WEE THE CRIMINAL. IN THE END I LOST THE MONEY THAT I USED TO OPEN MY ACCOUNT WITH OUT EXPLANATION AND YET TO SEE WHAT WAS DONE ABOUT IT BECAUSE THE BANK LOCKED ME OUT OF MY ACCOUNT AFTER ADMITTING IN A SECURE EMAIL THAT THEY HAD MADE A MISTAKE.

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 2019-01-27 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: NM

Complaint narrative:
XXXX  and Experian are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong 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 explanation
Consumer complaint received 2019-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I bank with bank of America and for some strange reason my funds are missing out of my account I was informed by bank of America that my account was hacked or stolen where someone been charging and removing money out of account u put complaint in and only answer I'm getting is they are closing my account my money missing and that's it, I would like to have my money and transfer to my other bank account at 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 2019-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
Received a collection notice with many phone calls afterwards from XXXX XXXX XXXX, XXXX. On XX/XX/2019, for the amount of {$8.00}, XXXX. 

I called them back ask for any evidence of such debt, they totally avoid my request and threaten to distort my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-27 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: LTD Financial Services, L.P.
State: GA

Complaint narrative:
Information incorrect and l not owe any money to them

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Auto loan opened on XX/XX/XXXX and cross-collateralized personal loan opened on XX/XX/XXXX were included in Chapter XXXX  Bankruptcy Wage Earners Plan filed XX/XX/XXXX. Due to XX/XX/XXXX XXXX onset XX/XX/XXXX, Chapter XXXX was converted to Chapter XXXX ( filed XX/XX/XXXX ) and discharged XX/XX/XXXX. 

Reaffirmation Agreements for both loans were filed on XX/XX/XXXX. However, XXXX XXXX XXXX XXXX ( XXXX ) continues to report false information to national credit reporting agencies, despite being notified multiple times of the error. XXXX continues to report both loans were included in Chapter XXXX bankruptcy ( FALSE ), and the accounts were closed on XX/XX/XXXX ( FALSE ). 

Attachments : Reaffirmation Agreement - XXXX XXXX XXXX Reaffirmation Agreement - Personal Loan ( cross-collateralized with XXXX XXXX ) Chapter XXXX Discharge - XX/XX/XXXX Chapter XXXX to XXXX Conversion Order - XX/XX/XXXX Chapter XXXX Individual Debtor 's Statement of Intention - XX/XX/XXXX ( Note : Both loans secured by XXXX XXXX were retained and reaffirmed )

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 2019-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
It is regarding my claim number XXXX I lost my debit card snd PIN was stolen, three were two unauthorized charged on my checking account. I called in BofA and reported the incidents immediately. I also reported to the police. 

BofA denied my claim for unacceptable reasons, and they unfollowed and totally against the Federal Laws, which I have my right under the Fair Credit Billing Act and protected by the Consumer Credit Protection Act of 1968 too.

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 2019-01-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I checked My XXXX XXXX and just noticed that there are two hard inquiries on my credit that I did not authorize in 2017. 

One is from capital one in XX/XX/2017 and the other is from XXXX/ XXXX XXXX , Florida in XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-27 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: NY

Complaint narrative:
I checked my credit report today and it shows two hard inquiries. I want them removed. 
XX/XX/XXXX XXXX/XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX Soft Inquiries XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX My former address of XXXX XXXX XXXX is listed as XX/XX/XXXX. This is incorrect. I lived there last in XX/XX/XXXX. 

On the following accounts, it shows the high credit as the same for every month shown. The high credit should be lowered for each month as payments are made. 
1. XXXX XXXX XXXX Account number XXXX shows high credit as XXXX for XX/XX/XXXX through XX/XX/XXXX. 
2. XXXX XXXX Account number is not shown and it shows high credit as XXXX for XX/XX/XXXX through XX/XX/XXXX. 
3. XXXX XXXX Account number is not shown and it shows high credit as XXXX. That is wrong. 
4. XXXX XXXX XXXX that shows no account number and balance is XXXX. Please correct the account number. 


XXXX  XXXX XXXX shows open. It is closed XX/XX/XXXX. Please change it to closed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-27 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: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I checked My XXXX XXXX and just noticed that there are two hard inquiries on my credit that I did not authorize in 2017. 

One is from XXXX  XXXX in XX/XX/2017 and the other is from syncs/ Walmart XXXX , Florida in XX/XX/2017.

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