vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-28 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: GA

Complaint narrative:
Someone hacked {$12000.00} from my account and BOA said it was me and also they wrote me a check that returned fake and got me banned from XXXX XXXX. This started on XX/XX/XXXX of XXXX, someone did XXXX payments to someone I don't know and they did XXXX and XXXX XXXX XXXX payments which I didn't authorize. There's a virus on my XXXX that I see in the calendars app. I think that's how they stole my online banking info and all the info on my phone. I filed an FTC ID Theft report about this. Bank Of America denied my claim AFTER THEY mailed me a letter about suspicious activity on my online banking and to call them, which was received in my mailbox on XX/XX/XXXX. The next day, I called, and realized all the transactions I never authorized. They filed a claim and assured me that all the money will be refunded. Almost 3 months later, I'm still fighting with BOA. I even filed a XXXX  post and the social care team called me and said they could only get me to claims. Claims said they believed me and the investigator who chooses to approve claims doesn't believe these things that happened to me happened. I just want my hard earned $ back and I'm willing to fight. I posted about this on news pages. I'm even working with this advocate called The XXXX XXXX to help me out. I was told by one BOA representative that there is a phone number I no longer have linked to my BOA profile, and we both agreed that person who was the number must have my personal info to get into my bank info and authorize the transactions. I think Bank Of America is a scam company that steals people 's money and not care for it like a bank should. I have proof of the viruses on my phone and PC I think they used to drain my bank account, which I will include. So for the check for {$500.00} that was drawn on Boa, I had a XXXX account that was closed. The account was named XXXX XXXX. When I deposited the check in my XXXX XXXX XXXX account, they said try at the ATM cause the picture of the check might got the numbers wrong, so I did an ATM deposit. There was a hold on the check, so I called BOA and they said the check should clear and to call XXXX XXXX. The check returned fake twice and XXXX XXXX shut down my whole accounts and reported me to XXXX XXXX XXXX and said my account was closed for cause due to BOA 's mistake. XXXX XXXX wants proof from Boa confirming the check is real and should have cleared. I just want my name cleared up so I don't have problems opening bank accounts for the next 7 years until XXXX. Also back in XXXX on two different accounts, someone zelled themselves {$50.00} each and BOA thought it was me. This has caused XXXX XXXX to close a credit card I have and ruin my credit score.

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 2021-03-28 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: PA

Complaint narrative:
The information currently reflecting on my personal credit from the Department of Education-DEPTEDXXXX is being reported as derogatory. This negative information should not be reflected at this point due to it meeting the 7 year threshold negative information should be showing on a credit report. I'm requesting that all accounts be updated to a positive status and/or deleted from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 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: PA

Complaint narrative:
The information currently reflecting on my personal credit from the Department of Education-DEPTEDXXXX is being reported as derogatory. This negative information should not be reflected at this point due to it meeting the 7 year threshold negative information should be showing on a credit report. I'm requesting that all accounts be updated to a positive status and/or deleted from my file.

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 2021-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I made a complaint XXXX complaint number XXXX, about an inquiry on my credit report. TransUnion has still not responded and it's been almost 60 days. By law, Transunion was supposed to provide me provide that I can written consent for my credit file to be pulled, which I did not. It's almost 60 days later still no reply. 

Being they have not provided me the original paperwork that I gave consent, which is by law please remove it immediately from my credit report. 

I'm attaching it again.

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 2021-03-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I found I have been being charged a fee for " card security '' for over 10 years that I had never signed up for. This is on my Banana Republic card through Synchrony. 

I have multiple store cards and am familiar with card security and have turned it down on every other card I was ever offered. If I had known it was on, I would have tried to use the benefits from it in the past. 

I contacted XXXX XXXX about how this was activated and to cancel on XX/XX/XXXX. This was eventually completed later in the month even though it was only to take 3-5 business days. During this call, I was told I signed up for the program verbally when the card was open. My records show this card was opened in XXXX. 

I spoke with someone else on XX/XX/XXXX to clarification on the activation and to confirm cancellation. At this time I was told a different way that the card security was activated. 

The following day I was sent a letter that the program was purchased during a call to service on XX/XX/XXXX. It is noted that a welcome package was sent at that time. I never had this call or received any welcome package. At no time would I have ever been interested in these benefits and never would have signed up for card security. I asked for a copy of the welcome package that was sent or any other documentation and did receive. 

I had this card set up for a long time on Auto pay, and was surprised to see the balance go up every month despite a $ XXXX payment.

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 2021-03-28 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 am writing to request your help in rectifying a problem I discovered which is adversely affecting my credit score. Some months ago I looked at my credit score through XXXX XXXX and was appropriately shocked to discover the amount of the school loan I owed was doubled what I actually owed. I tried initiating a dispute through XXXX XXXX and Equifax, contacting XXXX XXXX in XXXX XXXX Servicing but I couldnt get to the bottom of it. I graduated from XXXX XXXX of XXXX after transferring from XXXX XXXX after three semesters. I acquired Pell Grants, scholarship money and through an appeal reduced tuition at XXXX XXXX due to financial hardship. I kept good records of what I was borrowing. My recordkeeping indicated I would owe around {$27000.00} plus any interest in addition to a XXXX XXXX. Imagine my shock to discover XXXX XXXX show the old almost {$60000.00}! I contacted the associate director of financial aid at XXXX, XXXX XXXX XXXX, who was kind enough to investigate although I had already graduated. In addition, my family and I started making payments to XXXX XXXX in 2016 before I graduated and I have to this date paid over {$6000.00}. I have paid over {$500.00} on the XXXX XXXX. In the meantime I received correspondence from different sources telling me that I dont have a great credit score which has dropped considerably indicating that I am not a good credit risk when I am very diligent about paying all my bills. I do not have outstanding large credit card balances. This has caused me a great deal of distress and XXXX  because I pay my bills on time and know exactly what I owe in school loans. I have worked hard even during the pandemic to stay employed and stay current and all payments. I hope you can help me clear up the situation. Sincerely and with thanks, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
I started disputing this company since XXXX of 2020 and this alleged debt has been affecting my credit. The debt collector hasn't provided proof that alleged debt belongs to me. This is affecting my ability to get a new home. I don't know why I'm being treated like this.

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 2021-03-28 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:
I reported the following information to Experian via the CFPB on XX/XX/2021 : There is a balance from XXXX on my credit report that has been paid to the debt collection agency XXXX XXXX. The balance reported on my credit report was {$770.00}, however the amount I paid is {$270.00} ( not including a {$2.00} processing fee ). However, it is in violation of several FCRA statutes. The items I cite as being violations of the FCRA are : posting a higher balance than the collections representative had me pay, no date of first delinquency reported as required by FCRA 623 ( a ) ( 5 ) ( a ), not providing notice of furnishing negative information FCRA 623 ( a ) ( 7 ) ( A ) ( i ), and it would be in violation of FCRA 623 ( a ) ( 1 ) ( B ) if this information continues to be reported. There are 0 sections that prohibit deletion. On XX/XX/2021, the company responded that they would review the information, begin a reinvestigation, and contact the creditor. On XX/XX/2021, I checked my Experian credit report to find that the XXXX account was updated with more incorrect information, and the incorrect information stated above remained on my report. My credit report was updated to include a singular charge-off date of XX/XX/2021, which is incorrect. I have attached the previous attachments, along with a screenshot showing the most recent incorrect update. I am requesting that this account is fully removed and deleted from my credit report due to the several violations of the FCRA mentioned above.

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 2021-03-28 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: PA

Complaint narrative:
The information currently reflecting on my personal credit from " XXXX XXXX '' is being reported as derogatory. This negative information should not be reflected at this point due to it meeting the 7 year threshold negative information should be showing on a credit report. I'm requesting that all accounts be updated to a positive status and/or deleted from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CT

Complaint narrative:
Overcharge of escrow plus tax penalty on escrow which lender did not pay escrow, Causing the penalty. 
Lender 1098 form for XXXX BOTTOM Of form lender shows escrow negative XXXX which was transferred to new servicer XXXX XXXX form clearly shows. 

This overcharge of escrow and tax penalty Was included in our XXXX modification which has accrued interest on for over 11 years on {$3800.00}. 

The endless deception, and responses by lender show nothing but predatory lending

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 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: MI

Complaint narrative:
I reported the following information to Transunion via the CFPB on XX/XX/2021 : There is a balance from XXXX on my credit report that has been paid to the debt collection agency XXXX XXXX. The balance reported on my credit report was {$770.00}, however the amount I paid is {$270.00} XXXX not including a {$2.00} processing fee ). However, it is in violation of several FCRA statutes. The items I cite as being violations of the FCRA are : posting a higher balance than the collections representative had me pay, no date of first delinquency reported as required by FCRA 623 ( a ) ( 5 ) ( a ), not providing notice of furnishing negative information FCRA 623 ( a ) ( 7 ) ( A ) ( i ), and it would be in violation of FCRA 623 ( a ) ( 1 ) ( B ) if this information continues to be reported. There are 0 sections that prohibit deletion. On XX/XX/2021, the company responded that they are reviewing the complaint and that they would follow-up within 60 days. On XX/XX/2021, I checked my Transunion credit report to find that the XXXX account was updated with more incorrect information, and the incorrect information stated above remained on my report. I have attached the previous attachments, along with a screenshot showing the most recent incorrect update. I am requesting that this account is fully removed and deleted from my credit report due to the several violations of the FCRA mentioned above. 

I am requesting that this account is fully removed and deleted from my credit report due to the several violations of the FCRA associated with this 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 2021-03-28 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: FL

Complaint narrative:
This account has been reporting on my credit report each month and the account has been closed and removed from my credit report months ago. For some reason its back on my report and they company is still reporting like account is open. Once item has been removed from credit report it cant be placed back on my report unless you send me proper documentation. I haven't received any documentation. I was in a car accident and the insurance company paid the car off and XXXX received the check and cashed it. Please remove this negative account as its in violation and can be litigated due to the violation. 

XXXX XXXX XXXX {$11000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I have been trying to dispute the late payments and debts that are being reported by the collection company and original creditor multiple times for about 4 months. Procollect and XXXX are reporting the same debt and same late payments. Procollect is the collection agency that purchased the debt and reporting late payment every month. XXXX has the same accounts on my credit with same amount owed, same account number and reporting late payment every month instead of listing as sold and charge off updating the amount of the charge off and late payments affecting my credit every month. 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 2021-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Self Financial Inc.
State: MI

Complaint narrative:
I had opened a XXXX XXXX XXXX account and only had it open and availbile for not even 2 months and after that I received a notice saying that the XXXX XXXX account needed more information on verifying my identity and the company would not respond to me after I sent them all the documents they asked for multiple times over and the customer Service agent repeatedly kept asking me for documentation I sent them already multiple times over email and over their company message option. It took them from XX/XX/XXXX to XX/XX/XXXX to respond back to me and had my account frozen the whole time and I wasn't able to Access anything it was my own secured account. I put my own money into this account it wasn't on credit or a unsecured account or anything it was first and at the now a secured credit account. I tried multiple times over to contact customer service and did everything I could possibly to contact them and got no response. Until I filed a complaint with a credit law firm that helps consumers with their credit. Now my credit went from XXXX score to XXXX score and Reporting faulse information about not paying on time on which I have told this company multiple times I wanted it closed and got no response from them back. They stole my funds I opened my secured account with and faulsifiying credit score reporting on my behalf. They never closed my account never responded back to me and fraudulently kept my account open against my approval nor did they even have any okay or approval to report or have any sort of approval to keep my account open and not responded or being able to contact them regarding my important sensitive time sensitive situation they have caused me. They have fraudulently scammed me and I paid them for this companys service to provide up most professional credit Building program that was supposed to help my credit score and reports instead scammed me for faulse advertising their actual intentions with consumers sensetive personal information unprofessionaly ignore consumers when they get caught and get put on the spot light.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 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: PA

Complaint narrative:
The information currently reflecting on my personal credit from " XXXX XXXX XXXX '' is being reported as derogatory. This negative information should not be reflected at this point due to it meeting the 7 year threshold negative information should be showing on a credit report. I'm requesting that all accounts be updated to a positive status and/or deleted from my file. This account was refinanced during a divorce proceeding as well.

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 2021-03-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Franklin Collection Service, Inc.
State: MI

Complaint narrative:
This is a bill from XXXX XXXX XXXX XXXX and internet service, I moved to the address listed in XXXX XXXX My price for cable, internet and XXXX channel was {$12000.00} monthly. The sales rep lied and said my service would be available in three days after I moved in. It took two weeks before my service was available. Then when the person who installed the cable did not have the order to put in my channels. When I called to let them know what was going on. XXXX XXXX XXXX  tried to charge me a higher amount for the XXXX channel. When I complained XXXX XXXX XXXX said we will give you XXXX free for a month for their mistake, This was a bait and switch. XXXX XXXX XXXX  quoted one price and tried to charge another. 

At the end of XX/XX/2019 my price changed, I called customer service and they changed it to the correct amount again, This went on for three months, I paid my final bill canceled my service. This bill was paid in full and if this on any credit report I want it removed. My last bill was paid over a year ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 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: GA

Complaint narrative:
On XX/XX/2021 I sent in letters disputing inaccurate information on my credit reports regarding late payments, charge-offs, collections and inquiries. On XX/XX/2021 I sent in another set of certified letters to the bureaus but it has been 70 days and I have yet to receive a response from them. These accounts are false and misleading which has caused me to have XXXX XXXX XXXX XXXX!! They are purposely delaying their response and they don't care about my situation! I need help and they are in violation!

Company response to consumer: Closed with explanation