vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-16 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: MA

Complaint narrative:
DEAR MANAGER/XXXX! How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified Hows it possible that youve reported me 90 days late with no late payments prior to that? Also, wasn't XXXX  student loan servicer was sued for not applying payments to consumers accounts correctly. I was never late and this account needs to be removed.

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 2020-09-16 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: OLD NATIONAL BANCORP
State: IN

Complaint narrative:
In an attempt to gain access to funds to help obtain funding for necessary items and not having the surplus due to supporting another family during the pandemic. even with good credit no missed payments in 14 years and full time employment that has not ended during the crisis. 1 area that our balances of revolving credit is too high to income ratio is stopping us from gaining needed money to keep from having failing finances and no lender is willing to help. No offers of any kind of assistance other than denials due to high balances. We thought financial assistance was being provided for individuals?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
XXXX  XXXX XXXX sold my mortgage to Carrington Mortgage Services. C.M.S. has never complained to the credit bureau ( XXXX  ) until three months ago. I have been receiving e-mails stating, " We see from your account history that youve made payments after the XXXX of the month and you're required to pay a late charge. '' Alternatively, the monthly statement states payments are due by the XXXX of the month. I program my bill-pay from on line-banking on the by XXXX ( if the XXXX happens to fall on a Sunday ). It is withdrawn from my bank account on Monday, the XXXX. This month, XX/XX/2020 I received a late payment fee on my monthly billing statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 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: VA

Complaint narrative:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 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: VA

Complaint narrative:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

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 2020-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
Bank of America ( henceforth BOA ) is mishandling my payments and escrow accounts. I have made repeated attempts through email and by phone to correct the problem and thus far is is unresolved. 

Prior to the expiration of my current homeowner 's policy I switched insurance companies. BOA was provided ample notice in the middle of XXXX XXXX weeks in advance of the change ( providing the new company, billing information, policy #, etc ) .. On XX/XX/XXXX BOA sent an unauthorized payment to my old insurance company. I contacted them immediately and had them issue a corrected payment to the new insurance provider. Instead of putting a CHECK STOP on their unauthorized payment they issued me an escrow advance because their was not enough funds in escrow due to their mistake. 

The old insurance company did end up cashing and refunding to me directly the unauthorized check from BOA. I submitted the entirety of the refund ( to the penny ) back to BOA ; prior to which I notified BOA to apply the entirety of those funds back to the escrow 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
Consumer complaint received 2020-09-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: MoneyLion Inc.
State: CA

Complaint narrative:
I paid off my plus loan and the bank owe me {$200.00} they paid me {$300.00}. 
The amount of the loan was {$1000.00} the installment payment was XXXX. Each month I was to pay it on the XXXX of each month in XXXX I paid {$250.00} which they did not credit it to tbe account correctly as of yet i have not received the refund I got an email on XX/XX/XXXX stating i was approved for my refund it would take 3 to 5 business day to post it gas not post as of. 
I'm-XXXX XXXX XXXX  XXXX  Paid off XX/XX/2020 XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
Please be advised that I am requesting that the account # XXXX with Comenity/ Victoria 's Secret was sold to XXXX. XXXX advised the debt was settled/ paid in full and any negative remark or tradeline with their name would be removed. However, when contacting Victoria Secret they will not remove the trade line from the credit report services. They also advised that I would have to wait to see if it can be reviewed. I asked XXXX if they can send them a letter indicating that the debt was satisfied and the associate stated that they could not and that conversations would have to be held with the original creditor in order to get everything updated and displayed accurately on credit report. 

Please note that a letter has been sent to comenity bank at the following address : XXXX XXXX XXXX XXXX OH XXXX and the phone number given was XXXX. Please note when a verification letter was sent to victoria secret they advised that the account was sold any questions comments or concerns regarding the removal of that account off of credit report would have to be taken up with XXXX XXXX XXXX XXXX. Please note that an email was sent on XX/XX/2020 was sent for an email copy of this request to XXXX. In that email it outlines the request for a copy of the release of debt letter so it can be forwarded to the original creditor who advised they no longer own the debt but still shown as a tradeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
My concern is with a debt buyer operating under the name LVNV and at other times Resurgent. They are operating out of Nevada and have been reporting a debt on my consumer credit files which I have not been notified of and which although I have sought validation from the original creditor has not been forthcoming. 

Numerous disputes have yielded no cooperation from their part nor has it yielded documents of any kind over and above their own bills and threatening paperwork. 
I am asking for this agency to provide the proper oversight to this matter and to hold this company accountable for their violations of public trust, non disclosure and any other illegal operation in violation of all consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 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: AL

Complaint narrative:
XXXX  and TransUnion credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts/accounts are not mine. 

1. XXXX XXXX  is fraudulent on my credit Account # XXXX 2. XXXX XXXX  is fraudulent on my credit Account # XXXX 3. XXXX XXXX  is fraudulent on my credit Account # XXXX 4. XXXX XXXX and XXXX is fraudulent on my credit Account # 5. XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX 6. XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX Inquiries from XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, and XXXX are all fraudulent and needs to be removed

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 2020-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Equifax and the other two burus is reporting an old XXXX XXXX account. I only had ONE credit card with these people and they have it listed twice! Two accounts! Two different account numbers, two different opened dates etc. Ive disputed with them 5 times on this and sent written disputes as well. They are telling me its a single entry. How is it listed twice? I had one credit card with them! I want these deleted immediately or Im seeking legal recourse. XXXX XXXX for one doesnt allow you two credit cards so this is impossible and second looking at the dates they wouldnt give you another card if you defaulted and were late on the first lol. Im going to assume its either a mistake on their end and someone elses account is on mine or they sold the debt.This is ridiculous. I feel its laziness on their end. They should know having two accounts with XXXX XXXX  and the first was late you wouldnt get another. I ONLY HAD ONE CARD WITH THEM. The problem with that is which one is the accurate account? This is my livelihood its not okay to disregard my multiple complaints and disputes about your innacurate reporting. I wont stop until this is fixed. Its principle at this point. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/XXXX, I deposited an official bank check from XXXX XXXX into my Bank of America checking account via an ATM deposit. After depositing the Official Check the ATM indicated that 100 % of the funds would be held until XX/XX/XXXX at XXXX. It concerns me that no portion of my deposit was made available to me, especially since the deposit was from a local bank account that I closed and that bank provided me with an Official check. As a Bank of America customer since XXXX, that receives monthly deposits into their account, I believe this hold is excessive. No portion of the deposit has been made available to me and I am concerned that this is an unjustified practice.Bank of America has received the funds for this official check and is now collecting interest on my money, which is not available to me. 

I spoke to XXXX, Senior Client Advocate from the South Carolina online banking location who reached out the the extended holds team.

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 2020-09-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Please be advised this is in ref to the the complaint XXXX with CFCP. Please note that conversations held with Capital One advised that they refused to reopen the account based off their own determination of my claim the account was closed under incorrect circumstances. Please note that contact was never made with the credit company they only kept giving me the run around sending me to various departments and advising that nothing can be done once i spent a prolonged amount of time on hold only to be told a supervisor will contact me the following day which would not happen. Please note this complaint is not in an effort to reopen the account rather I do not want to continue down that path. I request that my account for this particular card be removed from my credit report account and reported to all credit reporting agencies since the balance was satisfied and processed the day after they closed my account after stating not to worry about it.I respect the art of business. And i respect policy and procedure, but as a consumer when you are reportedly being lied to and silenced it's a frustrating experience. Also it's fair to note that the account was satisfied not even a day after they closed the account with out my knowledge/ or any contact being made the day of.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 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 found the following fraudulent accounts on my credit profile : XXXX XXXX XXXX XXXX XXXX XXXX {$760.00} act # XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX 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 2020-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX  and the other two burus is reporting an old XXXX XXXX  account. I only had ONE credit card with these people and they have it listed twice! Two accounts! Two different account numbers, two different opened dates etc. Ive disputed with them 5 times on this and sent written disputes as well. They are telling me its a single entry. How is it listed twice? I had one credit card with them! I want these deleted immediately or Im seeking legal recourse. XXXX XXXX for one doesnt allow you two credit cards so this is impossible and second looking at the dates they wouldnt give you another card if you defaulted and were late on the first lol. Im going to assume its either a mistake on their end and someone elses account is on mine or they sold the debt.This is ridiculous. I feel its laziness on their end. They should know having two accounts with XXXX XXXX and the first was late you wouldnt get another. I ONLY HAD ONE CARD WITH THEM. The problem with that is which one is the accurate account? This is my livelihood its not okay to disregard my multiple complaints and disputes about your innacurate reporting. I wont stop until this is fixed. Its principle at this point. 
Thank you

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 2020-09-16 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: MI

Complaint narrative:
XXXX  and the other two burus is reporting an old first premier account. I only had ONE credit card with these people and they have it listed twice! Two accounts! Two different account numbers, two different opened dates etc. Ive disputed with them 5 times on this and sent written disputes as well. They are telling me its a single entry. How is it listed twice? I had one credit card with them! I want these deleted  immediately or Im seeking legal recourse. XXXX XXXX for one doesnt allow you two credit cards so this is impossible and second looking at the dates they wouldnt give you another card if you defaulted and were late on the first lol. Im going to assume its either a mistake on their end and someone elses account is on mine or they sold the debt.This is ridiculous. I feel its laziness on their end. They should know having two accounts with first premier and the first was late you wouldnt get another. I ONLY HAD ONE CARD WITH THEM. The problem with that is which one is the accurate account? This is my livelihood its not okay to disregard my multiple complaints and disputes about your innacurate reporting. I wont stop until this is fixed. Its principle at this point. 
Thank you

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 2020-09-16 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: AR

Complaint narrative:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

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 2020-09-16 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.

Complaint narrative:
As part of my separation agreement/settlement in XX/XX/2017, my ex wife became the owner and responsible of a XXXX XXXX debt, finance, insurance etc. and was supposed to go to XXXX  XXXX XXXX in XXXX, NC and change the vehicle loan under my name to her name or pay the difference on the auto loan. 

I came to find out this year that she purposely did not refinance the loan to her name and fail to pay numerous times since 2017 as a way to affect my credit that back then was XXXX points, the highest the XXXX XXXX dealership salesman has ever seen. 
as of today is in the XXXX 's! on Experian. I am abolished by this. 

This is not the only time she has taken advantage of my name and Veteran status as she forged my signature endorsing herself my VA XXXX checks after the separation. 

PLEASE HELP!

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 2020-09-16 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 — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I applied a Citi Flex Plan in the amount of {$300.00} on XX/XX/2020. Citi card bank should deduct this amount in three months, {$100.00} per month. But Citi bank deducted the whole amount of {$300.00} instead of {$100.00} on XXXX. Then Citi bank still charge {$200.00} for two third of Flex amount XXXX on my new statement. This XXXX is a duplicate charge. 

I called Citi bank about this mistake, they agreed to refund this {$200.00}. however, after they refunded {$200.00} to my checking account on XXXX, they charged this {$200.00} back to my credit card account again on XXXX. 

I called Citi bank several times, walked into their local office, and wrote two letters to Citi office about this mistake and submitted all support documents and statements. I request Citi bank to fix this mistake and refund my {$200.00}. But Citi bank simple replied that my account balance was accurate without any explanation.

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 2020-09-16 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: I.C. System, Inc.
State: CA

Complaint narrative:
I have filed a dispute with XXXX and XXXX  and the investigation took well over 30 days.

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