vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/2020 {$6800.00}. in fraud was committed on my XXXX Bank of America Card. I made a police report XX/XX/2020 and submitted it to BofA. I was never given provisional money to pay bilsl or buy food. XX/XX/XXXX my BofA closed the claim. Period no further help, no call. 

In between this time I was issued a new card XXXX B of A debit card so that I could continue receiving my unemployment benefits. XXXX XXXX, XX/XX/XXXXthe card having {$2100.00}. was frozen and no further action has been or will be taken per Bank of America. Making that a total of {$8900.00} of unaccounted money that Bank of America will not release back to me. 

Both XXXX and Bank of America blame one another. But my thoughts are once the XXXX money is released to Bank of America it is now in Bank of Americas hands? 

Please advise, 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 monetary relief
Consumer complaint received 2021-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
I sent my payments on time every month which include escrow payments. After receiving my escrow statement showing a shortage I contacted the mortgage company and explained that there is an error on the escrow statement. The representative reviewed my payments and agreed that one of the payments is not shown on my statement. I was to receive a call last week. No-one called. I then submitted a request on line. Today I received a message stating that Our records indicate your request has been reviewed and determined there were no significant changes. 
I want the missing payment reflected on my escrow account and a new escrow statement issued.

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 2021-01-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc.
State: UT

Complaint narrative:
I received an update on my credit report that I had a derogatory account, the company named was Commonwealth Financial. There was a phone number and so I called to speak to an advisor, he said that my phone number was not linked to the account, the representative a XXXX XXXX, then took my my DOB, he then said it was a debt from XXXX, I asked him several times if his company had tried to contact me prior to the derogatory charge being put on my account, he initially hung up, I called back, he proceeded to call me by a different first name till I corrected him, I asked for a copy of the recording and he refused, he finally admitted that the company had not sent any letter or attempted to contact me prior to putting the derogatory charge upon my account. He said a letter would be sent today and I would receive it within 5 days. The outstanding debt was with my travel insurance company and o have sent this information to them in XXXX  and have heard nothing until todayXX/XX/XXXX, I have a few concerns, one can they place a derogatory charge without any attempt to contact me, is this practice legal??

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I'm reaching out to get assistance with having a debt reported to my credit report removed due to the collection agency not properly notifying me of said debt which would allow me to dispute the validity of its claim that I owe. I've contacted the agency several times to have them verify this debt to no avail. I'm disputing this debt and am requesting it be removed immediately due to this company not notifying me before it was reported to 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 2021-01-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: CARD Corporation
State: MO

Complaint narrative:
Me and my fiance and his unemployment checks put on my prepaid card in late XXXX early XX/XX/2020 they locked the account on us so. In middle XXXX we sent in all necessary documents and they unlocked account.. so naturally we thought everything was ok he had one check from his work deposited on it they then locked account again in early XXXX. We could not even get our XXXX XXXX diapers. And I have been arguing with them for months for my money or a new card. Well this XXXX we had are stimulus checks put on there cause we had absolutely no choice and now they will not release the funds back to the irs knowing that that account is locked and they are still charging me monthly fees this month alone they have taken XXXX $ and refuse to help me. We have sent in our social security numbers IDs address and more several times at this point I feel like they are trying to get my information and other stuff.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: eToro USA LLC
State: TX

Complaint narrative:
On XX/XX/XXXX I inadvertently transferred {$5000.00} XXXX XXXX XXXX dollars ) to a closed online account i had with eToro USA LLC and I need the money refunded but have not been able to get a hold of anyone at the company. I have called the number listed on the website and it directs me to an answering machine asking I leave a message, I have done that with no response. I have emailed and opened several tickets but i get ignored and sometimes my emails bounce back. I feel like i have been scammed.The transaction confirmation number is XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: Navient Solutions, LLC.
State: OR

Complaint narrative:
Navient Federal Student loans should be deferred due to unemployment and COVI-19. Navient continues to report inaccurate information. I have been ignored and my concerns have not been addressed. I asked for unemployed or no income-based repayment. Nothing has occurred

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: U.S. BANCORP
State: TX

Complaint narrative:
Elan/VISA/USBANK continues to accept bills from XXXX XXXX XXXX even after refunding several previous identical monthly charges ( of {$48.00} ). They claim they are unable to simply block further transactions from XXXX and that I must instead cancel or change my cc number which places on me the unfair burden of having to contact the many other vendors with whom I have monthly automatic payments. 

Ref : letter from XXXX XXXX XXXX XXXX XXXX, ND XXXX dated XX/XX/2021 with CaseID XXXX. Footnote : The creditor, issuer and service provider of your credit card is Elan Financial Services.

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 2021-01-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
To whom it may concern : My family and I are in the process of attempting to purchase our first home. We were supposed to close at the end of XXXX but due to issues on the sellers side, the closing was postponed until the end of XXXX. My lender did inform us that due to the delay, paper work would have to be updated and a closing could not take place until the issues with the sellers were resolved. 
On XX/XX/XXXX th I was called by my lender and was told that after a credit refresh was run on my husband a 30 day late appeared on his credit report for a PNC credit card. This came as a total shock to us, what made matters worse was that the late resulted in a credit score drop of over 100 points on each credit bureau, this drop in score has basically eliminated us from getting our mortgage and essentially leaving us homeless. 
The reason I am writing to you is twofold. The first reason is the way the credit billing was handled by PNC. The due date for the card was XX/XX/2020 the day before XXXX, at that point my family and I were getting ready to leave our apartment, due to Covid 19, my husband was working extra shifts and I was packing up the house, but we never received a paper bill from PNC. I am not set up for paper free billing so we rely on the paper bill. In addition, our history with the card was excellent no late payments ever. Because of this mistake, our mortgage approval is in great jeopardy. 
The second reason for this letter is the unreasonable nature of the credit score drop. As they say let the sentence fit the crime. Even if they say the late payment is ruled legitimate which I do not believe it is why would my husbands credit be impacted so much for 1x 30 day late on a credit card. According to my lender, my husbands middle score dropped 130 points this is unfair and has been devastating to my family. We have been hit hard by the pandemic I was laid off and have been caring for a XXXX child, the loan was under the name of my husband and my Mom, we need help to resolve these issues as quickly as possible. We need a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
Select Portfolio Servicing has not been reporting my payments to the credit bureau since 2016. I did file bankruptcy that year however they where not included in the bankruptcy. I have paid every month since and now that Im trying to do a refinance on the house Im just finding out this information. I have two mortgages and the other company is reporting XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
XXXX XXXX XXXX loans should be deferred due to unemployment and COVI-19. XXXX continues to report inaccurate information. I have been ignored and my concerns have not been addressed. I asked for unemployed or no income-based repayment. Nothing has occurred

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 2021-01-21 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: EQUIFAX, INC.
State: OR

Complaint narrative:
XXXX Federal Student loans should be deferred due to unemployment and COVI-19. XXXX continues to report inaccurate information. I have been ignored and my concerns have not been addressed. I asked for unemployed or no income-based repayment. Nothing has occurred

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: OR

Complaint narrative:
XXXX Federal Student loans should be deferred due to unemployment and COVI-19. XXXX continues to report inaccurate information. I have been ignored and my concerns have not been addressed. I asked for unemployed or no income-based repayment. Nothing has occurred

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 2021-01-21 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: IL

Complaint narrative:
Credit bureaus have not responded to my letter within 30 days in regards to inaccuracies on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: FL

Complaint narrative:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS I HAVE MADE A CRIMINAL COMPLAINT TO LOCAL AND FEDERAL AGENCIES I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAs. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: IL

Complaint narrative:
Credit bureaus have not responded to my dispute letter within 30 days for the inaccuracies on my 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 2021-01-21 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: SC

Complaint narrative:
My Personal Sworn Statement & Declaration : I declare that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18ll U.S.C 1621. 
The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. 
I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained.I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. 

FOR SECURITY I HAVE ATTACHED MY IDENTIFICATION ON ANOTHER PAGE

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 2021-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
XXXX XXXX purposefully held my account longer than 120 days before it was sold off. They kept my account and reported negatively for THREE YEARS before they charged it off. 

Generally its supposed to be 120 days. By delaying the charge off, they unnecessarily caused more damage to my credit than was necessary. On some level, it feels like it was personal. 

To wait that long, knowing I was fresh out of school. Knowing I was looking for work. Knowing I had difficulties and to pile on with a charge off and then sell the debt 3 years later to extend the damage they, and their business agent Portfolio Recovery Associates could do to my credit history. 

I am never, ever, going to pay 3 times to two different entities regarding the same transaction. 

There is no way this is okay. It feels like a Pre Obama era attempt to get low income minorities to falter on their debts. A consistent issues with XXXX XXXX and other banking institutions. 

I am not going to pay XXXX XXXX for that card again. I already have another card. With them. The payment history is immaculate. 

Portfolio Recovery Associates should inspect each debt they acquire. Before committing fraudulent, or at least malicious actions, to ruin my credit and ruin my chance to get the most out of my law degree. 

They should be ashamed of themselves for such sneaky and underhanded collection tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I notified Transunion Previously that I am victim of identity theft

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 2021-01-21 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: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
2 ) American express reported it back on my credit as Charge off in XX/XX/XXXX? The account was closed on XX/XX/XXXX of XXXX. 9 years way past Statue of limitation again in the State of VA! 
3 ) Damages to my Credit that is causing higher interest rates, declined on credit, I am seeking {$2000.00} per year for the past 11 years of XX/XX/XXXX I am expecting this to be taking off my credit IMMEDIATELY as well as a check for damages. 
4 ) Once again here is the proof of police records and my credit where American Express reopen 5 ) When American express tried to take me to collections back in XX/XX/XXXX of I asked them to validate my once again I sent them the police report! Not only American express can not Validate my debt! They send me other personal information of XXXX XXXX XXXX, XXXX XXXX, and a court case? 
I expect an IMMEDIATLEY ACTION of this off my credit report and a Check of {$22000.00} payable. This is outrageous and I am very furious about this!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-21 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I am filing this complaint because the bureaus have ignored my request to provide me with the documents that their company has on file that was used to verify my accounts that I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under section 611 ( 5 ) ( A ) of the FCRA - they are required to promptly " delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: HI

Complaint narrative:
I am filing a complaint because I have received a letter from Jefferson Capital on a debt that I owe to XXXX. I have already contacted XXXX, and they said everything is fine on my account, and that there is no money that is owed. This letter came out of nowhere, and there is nothing to justify the debt, other than me owing money for no reason. I've tried the steps on the letter to check there website, and check the account that I supposedly owed, and the account does not show up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: I.C. System, Inc.
State: LA

Complaint narrative:
Information has been disputed and asked companies to provide original contract for services rendered.

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