vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-16 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: NY

Complaint narrative:
I AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.

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 2021-01-16 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Block, Inc.
State: NC

Complaint narrative:
I have a cash app card. I have tried to contact them 4 or 5 times. All I get back is an email saying they will investigate my claim if I tell them who, when and where and how much they took. I have forwarded all this information to them 3 times now. No answer from anyone. Someone hacked my cash app card, and withdrew {$93.00} and tried to get more, but that was all that was on it. I sent them the names and pictures and the amount they tried to get. This took place back on the XXXX of XXXX. I feel like they are giving me the run around,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: CA

Complaint narrative:
I was depositing my XXXX  to cash app and cash app randomly closed my account now my XXXX says pending while my account is closed. They're not giving it back

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
XXXX. XXXX 2019 amount owed are incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I set up a new bank account w/ Huntington Bank XXXX I got it set up, and wanted to transfer the considerable $ $ that I had in my account at XXXX XXXX XXXX XXXX XXXX that I had when I was a minor. I followed the steps to verify my external ( credit union ) account on Huntington 's website. After I verified the CU account on Huntington 's site w/ micro deposits, I was prompted to transfer funds from the CU to Huntington . I initiated a {$4200.00} transfer. on XX/XX/XXXX I received an email that the deposit had been rejected because I hadn't verified my account ( I had ). On XX/XX/XXXX we went in to a Huntington branch and showed them bank statements and my license, and they again verified my account. But the {$4200.00} has been missing for a month. There have been numerous phone calls and emails and still no resolution. Huntington told me that the credit union had to file a dispute. Two times I asked the credit union to file a dispute and they said they couldn't, that Huntington had to file. I called Huntingon and they said they couldn't file. The credit union said they needed the transaction number. I called my Huntington branch, and they told me to call customer service to get the number. The customer service has been horrible on both sides. For weeks, no one has stepped up to help resolve this issue. My mom has been helping because I don't have access to email and phone at work. Working on my behalf, she asked both institutions to file a dispute on XX/XX/XXXX. Both institutions keep saying the other should file a dispute. The credit union allegedly filed the dispute about XX/XX/XXXX. The branch manager responded to the email and said that she had reached out to XXXX to have the money returned/refunded to my account. On XX/XX/XXXX we discovered that Huntingon had not filed a dispute as asked on XX/XX/XXXX. My mom spoke to the Huntington branch manager on XX/XX/XXXX and she said that she had escalated to her boss ... .after one month. We again emailed and asked all parties to speak on the phone and get this issue resolved. So it has now been over a month. I verified my account as specified on Huntington 's website, by doing the micro deposits, but they rejected the large deposit. And the {$4200.00} is still missing. As a young adult, this is financially devastating to have a huge amount of money missing for so long. It has disrupted my work because of having to make so many calls. It has caused a huge amount of stress and been a significant waste of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
On XX/XX/XXXX, I mailed to the creditor 's lockbox address my check number XXXX in the amount of {$12000.00} to pay off in full my car loan. When two weeks elapsed since my check not being cashed, I telephoned the creditor 's customer service number on XX/XX/XXXX to inquiry why my check had not been cashed. I explained to the person who took care of my telephone call that I was paying off my car loan because it was a condition to the approval of a mortgage credit to buy a new home. 
Since I had a need to show evidence of having paid in full the loan, the person with whom I spoke suggested that I utilized the online payment system to pay off the loan. This person explained to me that I would have to do two payments since the system would accept as the maximum amount {$10000.00}. I mentioned the fact that a check was already on its way to the lockbox address. I was told that I should not worry since in about two weeks time the overpayment would be refunded to me. 
Immediately after I concluded the telephone conversation, I proceeded to effect the online payments. Unlucky for me, that same day my check was processed. 
Given the holidays, I waited until XX/XX/XXXX to see if the refund check would arrive. Since the expected refund did not arrive, on XX/XX/XXXX I made contact again to see what the status of my overpayment refund was. 
The person who took of my telephone call on XX/XX/XXXX was very courteous. She explained to me that only a refund for {$2900.00} had been approved for processing. When I gave her all the information concerning the overpayment, she indicated that she would look into it and would get back to me inform me of the status of my refund. I never got the promised telephone call. 
I again telephoned on XX/XX/XXXX to inquire on my refund. I was told that the refund matter had been referred to accounting and that I would get a telephone call back on XX/XX/XXXX to tell me what the status was of the refund claim. 
On XX/XX/XXXX, I received a check for {$2900.00}. I did not receive the promised telephone call on XX/XX/XXXX. I am still owed {$10000.00} by the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 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: EQUIFAX, INC.
State: IL

Complaint narrative:
im a victim of identity theft and several accounts were open in my name. XXXX XXXX  and XXXX  XXXX, please delete these accounts i have never had nor benefited from they. they were open fraudently

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 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: NC

Complaint narrative:
Account # : XXXX Why is it that this above account is still being reported if it is a collection account? Status is at derogatory and you have not listed a date of last payment, which should then have a date of first delinquency. 

You are allowing multiple errors allowed on this trade line that are very damaging. 

Provide me with the written documents that show when I came delinquent of 30 days, that would be the day/month/year I become 30 days late and never again did get current on this account. 

I personally feel this account has been aged out for a very long time now.

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 2021-01-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
There is some errors on my credit report Already contacted XX/XX/XXXXand sent them letters.along with a copy of my credit report, federaltradecommision report, police report, but they still refuse to correct my credit report. There is a name Address, birthdate, social security numbers, credit card account. 
I also already contacted Bank of America About the credit card, but they refuse to close the account. 
Also, I opened a IRA account with XXXX XX/XX/XXXX, a few months later they added that persons name and address to my account And have blocked my access to it. 
Contacted them on several occasions but all they tell me is that is under investigation.its being almost 3 months now! Im really concerned!!

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 2021-01-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
There is some errors on my credit report Already contacted XXXX and sent them letters.along with a copy of my credit report, federaltradecommision report, police report, but they still refuse to correct my credit report. There is a name Address, birthdate, social security numbers, credit card account. 
I also already contacted Bank of America About the credit card, but they refuse to close the account. 
Also, I opened a IRA account with XXXX edge, a few months later they added that persons name and address to my account And have blocked my access to it. 
Contacted them on several occasions but all they tell me is that is under investigation.its being almost 3 months now! Im really concerned!!

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 2021-01-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: MidAmerica Mortgage Inc
State: CA

Complaint narrative:
Hello, In XXXX I was laid off due to COVID-19 pandemic. I reached out to my mortgage company, Mid America Mortgage Inc. Dba . XXXX XXXX XXXX, and they advised they could place me on a forbearance. They advised it will not affect my credit and will be in affect until XXXX. When it got close to XXXX they reached out to me to see if I was working. I advised I wasn't so, they extended my forbearance. In XXXX, I finally was able to start working again. Mid America Mortgage Inc. reached out to me again to see if I was working yet, I advised I was. They offered to do a deferment for the time I was on forbearance, so I would not have to stress about paying the large sum back. I signed the paperwork for the deferment and thought everything was going to be ok going forward. On XX/XX/XXXX ( Saturday ) I received an alert from XXXX stating my credit score dropped by 28 points because Mid Mortgage Inc. reported me 180 days past due ( Attached is screenshots ). I contacted Mid America Mortgage Inc. by phone on XX/XX/XXXX ( Monday ) and was advised to send an email which I did ( Attached is our email communication ). I finally received a final response XX/XX/XXXX stating they reported correctly to the credit bureaus. Per our phone conversation with Mid America Mortgage Inc. back in XXXX and per HUD, being impacted by COVID-19 should not affect my credit report. Well, it did affect my credit report negatively. I've attached copies of my credit report for XXXX and XXXX. Please help resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: PA

Complaint narrative:
My chime bank. They said it would come yesterday which was supposed to be deposited. But it didn't

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION
State: WI

Complaint narrative:
DATE OPEN XX/XX/2019 {$14000.00} ORIGINAL BALANCE {$18000.00} NOW BALANCE

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 2021-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I opened checking account online on XX/XX/XXXX at Bank of America and didn't receive {$300.00} bonus for making qualifying direct deposits totaling {$4000.00} or more within 90 days from account opening. 

I filled claim which was closed based on that I didn't meet requirement as far as amount ( from the period of XX/XX/XXXX till XX/XX/XXXX Direct Deposits to my account were made for the amount of {$4000.00} XXXX. 
The claim was reopened but closed second time for the reason that one of the payments wasn't direct deposit ( all Direct Deposits were identical, from the same company ). 
Finally, the bank confirmed that all requirements were met but they denied the bonus because too much time passed after the promotion.

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 2021-01-18 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: IL

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ENCORE CAPITAL GROUP INC.
State: WI

Complaint narrative:
I acquired XXXX XXXX XXXX XXXX XXXX to consolidate all of my credit card debts on XX/XX/XXXX. I spoke with XXXX XXXX representative for Midland Credit Management on XX/XX/XXXX, and she stated that my previous payment plan was cancelled on XX/XX/XXXX. Also, XXXX stated that XXXX XXXX XXXX XXXX XXXX established a new payment plan for me, and that the first payment to Midland Credit Management will be XX/XX/XXXX. Since then, I have received several emails and statements from MCM harassing me about a payment. MCM is not supposed to contact me, but should be contacting XXXX XXXX XXXX XXXX XXXX regarding future payments on my behalf. I called MCM several times regarding them to stop contacting me and contact XXXX XXXX XXXX XXXX XXXX XXXX I kept being told that I needed to speak with a representative from a certain department, but no one was available to speak with me and that I should call back the next day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
On XX/XX/XXXX, I took my dog to the vet, the bill came to {$410.00} I had a balance of $ XXXX.on my Care Credit/Synchrony Bank card . It was declined. I contact CareCredit who informed me that they lowered my limit unbeknownst to me. Ive always paid my bill on time. CareCredit/ synchrony the powers that be figured I didnt use my card ENOUGH, they would take a step towards ruining my credit! Never mind the fact that I pay on time every time. Most credit card companies send out a notification and allow a grace period. My available balance as of XX/XX/XXXX was {$1500.00} to XX/XX/XXXX a balance of {$100.00} how is this ok without notification. A credit card company should not be able to ruin a persons credit when that person PAYS their bill on time! I feel like Im being punished for using my Care Credit for emergencies only and paying on time.

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 2021-01-16 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I'm not sure sure what's going on but I filed a dispute all the way back in XXXX of last year and have yet to hear anything back from the bureaus. It was XX/XX/XXXX to be exact. I understand we're in a tough time right now with COVID but it's been over 60days and that's unacceptable. The time to respond is 30 days according to law and again it's already been 30. Remove the incorrect information from my report please you are causing me and my family stress, COVID is causing enough stress as it is. Resolve this issue as soon as possible please. I will be attaching the original dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Management Partners, LLC
State: MI

Complaint narrative:
The date was in XX/XX/19 and thy wrote This communication is from debt collector. This is an attempt to collect a debt. Any information will be used for that purpose.

Company response to consumer: Closed with explanation