vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Dear i got claim on XX/XX/XXXX, just have 1 person call me around XXXX and let me waiting another 90days, and after that no one response to me and cliam is compeleted. 
its almost 2 years, bank hold the moeny, as they said will refund back to the labor department, but still no retrun back. bank just hold moeny forevery. also I ALREADY REPORT the 202 taxes form and paid the tax to the government!!! now i need the moeny back. if not i will go to on court for back my menoy, right now like bank of america is hold menoy for themselves never got response!!!! 
everytime like waiting you guys answer back!!! almost 1 year waiting with bank, one year waiting you guys give me answer back! as you guys just finish the cliam with no repoense!!!

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 2021-10-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I applied for a refinance of my mortgage with Bank of America on XX/XX/2021. As of XX/XX/2021, more than 60 days have passed since my application date and they have not issued me a credit decision yet. After they charged me {$1200.00} for a credit report fee and appraisal fee ( which seems suspiciously high ), they are unable to deliver me a credit decision to know where I stand with them. I have emailed two of their managers - XXXX XXXX and XXXX XXXX ; they have both been unresponsive to my inquiry and status of my loan. This is a clear RESPA and Equal Credit Opportunity Act violation. 

I am providing you with copies of my initial disclosures to document the application date and provide you with the loan number to reference.

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 2021-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I Disputed 6 late payments entries with all 3 credit bureaus transunion, XXXX and XXXX for XXXX XXXX XXXX after they failed to update my credit file. I had 6 late payments with XXXX XXXX XXXX due to losing my job during the pandemic. I reached out to XXXX XXXX XXXX and the XXXX XXXX XXXX and XXXX XXXX XXXX agreed to mark 5 of the 6 late payments to neutral for the 5 late payments for XXXX, XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. The changes reflected in XX/XX/XXXX. On XX/XX/XXXX when I checked my credit it showed I had 19 late payments which is completely incorrect. This incorrect information dropped my credit score by 100 points.

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 2021-10-10 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: CA

Complaint narrative:
I Disputed 6 late payments entries with all 3 credit bureaus XXXX, equifax and XXXX for XXXX XXXX XXXX after they failed to update my credit file. I had 6 late payments with XXXX XXXX XXXX due to losing my job during the pandemic. I reached out to XXXX XXXX XXXX and the XXXX XXXX XXXX and XXXX XXXX XXXX agreed to mark 5 of the 6 late payments to neutral for the 5 late payments for XXXX, XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. The changes reflected in XX/XX/XXXX. On XX/XX/XXXX when I checked my credit it showed I had 19 late payments which is completely incorrect. This incorrect information dropped my credit score by 100 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
called Capital One with a conference call including CompleteID representative. 
Was able to convince Capital One To Close Fraudulent Account, But Master Card subsequently issued a Capital One MasterCard Debit Card. Master Card Claims they can only deal with Fraudulent accounts when their Security Department is open for business. and have done nothing to remove the Fraudulent Master Card Account. 
Also XXXX has sent me a text thanking me for checking out with XXXX, I do not have an account With XXXX, nor Capital One Nor Master Card, all Three are fraudulent. 
XXXX is Phishing for my Email or Telephone Number and sign up as a condition of contacting them through their resolution website. I do not want to give my Number or email and create an account with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
XXXX reported that I had missed multiple payments on my student loans balance based on my income. In reality, I had made every payment on time. The problem was, when I was making my payments, they were applying my payments to one loan and not the sum of my loans. In turn this resulted in saying I was missing payments which greatly affected my credit score. I was at a XXXX and this XXXX mistake took my credit score to a XXXX. I have tried to reach a solution with their customer service department which resulted in no help at all. I am now stuck with horrible credit of a " missed payment '' when that isn't true at all. I'm XXXX and dealing with this and it's such a struggle.

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 2021-10-10 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: IN

Complaint narrative:
XXXX reported that I had missed multiple payments on my student loans balance based on my income. In reality, I had made every payment on time. The problem was, when I was making my payments, they were applying my payments to one loan and not the sum of my loans. In turn this resulted in saying I was missing payments which greatly affected my credit score. I was at a XXXX and this XXXX mistake took my credit score to a XXXX. I have tried to reach a solution with their customer service department which resulted in no help at all. I am now stuck with horrible credit of a " missed payment '' when that isn't true at all. I'm XXXX and dealing with this and it's such a struggle.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
XXXX reported that I had missed multiple payments on my student loans balance based on my income. In reality, I had made every payment on time. The problem was, when I was making my payments, they were applying my payments to one loan and not the sum of my loans. In turn this resulted in saying I was missing payments which greatly affected my credit score. I was at a XXXX and this XXXX mistake took my credit score to a XXXX. I have tried to reach a solution with their customer service department which resulted in no help at all. I am now stuck with horrible credit of a " missed payment '' when that isn't true at all. I'm XXXX and dealing with this and it's such a struggle.

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 2021-10-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Self Financial Inc.
State: AR

Complaint narrative:
Self Inc.  has proceeded with an unauthorized charge in the amount of {$52.00} to my checking account. I have never had any contact/relationship or agreed to any services provided by Self Inc. or any of their associated entities prior to me detecting this fradulent charge. 

I am afraid any accounts/services have been opened with my personal information with the inappropriate due diligence fron Self Inc in verifying these. 

I do NOT or have ever agreed to any products/services from Self Inc or any of its associated entities. I have never provided my bank information to Self Inc or any of their associated entities. I have NOT agreed or authorized any charges on their behalf and demand these be reversed. All accounts/services immediately suspended and closed. As well as the 3 credit bureaus be notified of this wrongdoing and requested to erase all and any information reported linked to Self Inc or their associated entities.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10 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: TN

Complaint narrative:
I have contacted all three Credit Bureaus/Agencies ( XXXX , Equifax, XXXX ) and the Creditors ( XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10 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: FL

Complaint narrative:
Incorrect credit card balances, dropped my XXXX 38 points for a incorrect credit caed balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC.
State: PA

Complaint narrative:
I refinanced my mortgage through Guaranteed Rate, XX/XX/XXXXXXXX, XXXX, GA XXXX, with the first payment made on XX/XX/2021. I paid escrows in advance for taxes at settlement as well as had escrows deducted from my XXXX mortgage payment. I receive notification from a collection agency that my school taxes had not been paid. I contacted guaranteed rate with my concerns. The agent was not helpful. I need guaranteed rate to release the escrows to pay my taxes and for them to reverse and correct and apologize for my being sent to a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10 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: NAVY FEDERAL CREDIT UNION
State: CO

Complaint narrative:
I have been with NavyFed for 8 years and have never been treated so poorly by any other institution in my life. My current NavyFed is located at XXXX XXXX XXXX XXXX, XXXX, CO XXXX. 

On XX/XX/2021 our state Governor lifted the mask mandates making masks a recommendation not a requirement. On that same day I went into my branch to make a deposit and was met at the door by the branch manager who immediately demanded I wear a mask. I said no thank you and she immediately became very aggressive and yelled You wear a mask or you DONT come in! At this point I obliged and put the mask she offered on. She then stands off to my left staring at me and begins to harass and belittle me in front of other members. 

By this point I became upset and said close my account and left the building. This is when she started to damage my credit and anything else she had the power to do by reporting to the credit bureaus missed payments for a debt over 7 years old that should be off my credit report. I few weeks later I received a letter from NavyFeds physical security dept threatening me in an attempt to intimidate me from disagreeing with her.

This same women has also harassed other NavyFed members in front of everyone in the building, ONLY hires females and hates all military personnel and freedom. Its sad to see an entity claiming to be military friendly but then hiring people like her who treat our nations service members and veterans like this. 

To go out of the way to cause harm to consumers who do not agree politically with her or NavyFed is unethical and UnAmerican. 

I have in possession my credit report the threatening letter to support my claim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-10 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: CREDIT ACCEPTANCE CORPORATION
State: AR

Complaint narrative:
I have issues with the way this is being reported as it is damaged my credit. The car was repo XXXX and XXXX say its derogatory XXXX says open. This is an inaccuracy and is en to remove this account from my credit. 
The dates of last activity are inconsistent with each other this is also enough to remove from my credit. XXXX is reporting past due 120 days the other 2 are reporting repo. This is enough to remove or delete from credit.balance on XXXX and XXXX are the same while XXXX is no showing XXXX. XXXX and XXXX are reporting as auto loan and XXXX is not reporting at all. XXXX has not reported any months of payments late or not and is not consistent with the others With all this said this 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 2021-10-10 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I placed an order with XXXX for {$140.00} with my XXXX XXXX account # XXXX on XX/XX/XXXX. Barclay card acquired XXXX card on XX/XX/XXXX and assigned new account number # XXXX to me. I was notified by Barclay that the former XXXX card can not be used for purchase after XX/XX/XXXX but it can be used for process refunds, and credits for refunds will be transferred to new Barclay Master card ending # XXXX. 

This {$140.00} order was a buy online pick up in store order which requires customer to pick up the order within 7 days. I did not pick up order in store within 7 days, the Bloomingdale 's store processed the refund on XX/XX/XXXX for {$140.00} to the same XXXX visa account # XXXX which I used for purchase. 

However, Barclay did not transferred this credit to my new Barclay XXXX account. I called Barclay customer service and dispute department on XX/XX/XXXX, after waited 1 and half hour on phone, the Barclay rep told me I can not dispute this charge until after XX/XX/XXXX since conversion from XXXX to Barclay is expected to complete on XX/XX/XXXX. I requested to speak to a manager, the rep told me a manager will call me back. 

I also contacted the merchant XXXX online customer service, the merchant told me that they had to process the refund to the same credit was it was used for purchase and it is Barclays responsibility to transfer the credit and refunds from XXXX card which they acquired to new Barclay account. 

On XX/XX/XXXX, Barclay manager XXXX called me and told me that he will forward this dispute case of {$140.00} to Barclay Dispute department so I dont need to pay. However, XXXX said Barclay Dispute department will not process it until XX/XX/XXXX when the conversation is complete. XXXX further said once the dispute is processed, Barclay dispute department will forward me the dispute case number and give me a credit to my statement. 

Today is XX/XX/XXXX, I still did not receive this credit of {$140.00} on Barclay XXXX account and Barclay did not contact me to provide any dispute case #. I tried to call again, but its only reached machine and long hold time. I also tried to file dispute online at Barclay website, but Barclay website says this type of dispute doesnt qualify for online filing!!! 

Please review attached email from XXXX confirming they processed refund and my order status on the merchants website indicated the order to total is {$0.00} and I didnt receive the merchandise.

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 2021-10-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: TN

Complaint narrative:
LoanCare , LLC services our mortgage. They have been notified twice by phone about a mortgage payment mailed via Certified Mail that has been sitting at the post office since XX/XX/2021 at XXXX XXXX  and is ready for pickup. 

During a second call to their Customer Service the person I talked with took the tracking number from me to follow up. 

This is the second consecutive time this has happened. They are refusing to pick up the Certified Letter containing our mortgage payment. 

We will be marked as late on XX/XX/2021 which will have a negative impact on our credit histories and scores. 

The Certified Letter will be returned on XX/XX/2021 if not picked up before that date.

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 2021-10-10 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: TN

Complaint narrative:
I have contacted all three Credit Bureaus/Agencies ( XXXX , XXXX, TransUnion ) and the Creditors ( XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately

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 2021-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
A fraudulent checking account was created online with my information with Well Fargo Bank. This account was created online with XXXX dollars deposited on XX/XX/2021. I received a debit card in the mail and a letter with a PIN number as well as a letter from Fraud & Claims Management Dept from Wells Fargo stating closure of deposit accounts. I have alerted Wells Fargo regarding this matter. I checked my credit report and there is no information about any new accounts created.

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 2021-10-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: PA

Complaint narrative:
On XX/XX/21 We turned in our old leased vehicle XXXX XXXX in XXXX PA. 
We decided to take out a new lease on a new vehicle that day at this dealership. 
When we went in to sign the loan papers we stated that they had the names in the wrong place. My husband was to be the Lessee & I the Co-lessee. They said no this was the correct way. I as the Lessee & he as the co-lessee. So everything went through. We left with the new vehicle. 1 week later I received a call from GM Finance They stated that they still had us listed on the old vehicle and that the payment was due for that car. I told them we turned it in. They said I had to call the dealer and tell them to do a close end on the old vehicle. That they had no record of a new lease. So I did just that. I talked to an appraiser there who said he would get the sales mgr. involved. I talked to the sales mgr who said he would take care of it and call me mon. 
with my new account number. No call. To make a long story short I have been on the phone with GM Financial XXXX & XXXX for 3 weeks trying to get this solved. The only thing that happened was we got NEW loan papers that had been corrected with names and totals to sign. This involved GM Financial running a new credit report on XX/XX/21 for the new loan papers. that XXXX submitted to them. This affected our credit score. Also we are in the process of refinancing our house. Now the loan Co. wants to know why we took on new debt as of XX/XX/21. We didn't, it was before we refinanced. I am at my wits end. Gm still has the old vehicle listed even though we turned it in a month ago. Every time I talk to someone either at the Dealer or Gm they say they will take care of it. So here we are still a month later.and still not resolved.

Company response to consumer: Closed with explanation