vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-30 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: NC

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX TransUnion FACTUAL DATA Miscellaneous XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX Miscellaneous XX/XX/XXXX TransUnion XXXX XXXX Miscellaneous XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion I hello, I reviewed a copy of my current credit report and I show the inquires above are fraudelent and I have sent a copy of FTC report to request removal. I have not be successful and need these removed due to attempting to purchase a home.

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 2021-04-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I purchased a set of mattress with Rooms 2 Go XXXX synchrony bank card ) XXXX. Had a problem with mattress sinking in XXXX account was also paid off in XXXX. Rooms to Go replaced the mattress set under warranty XXXX. Paid off account was closed prior to me filing bankruptcy in XXXX by synchrony at which time I had a zero balance did not owe anything. Again during XX/XX/XXXX during pandemic mattress set began to sink again. I contacted Rooms 2 Go, they sent a tech out to examine XX/XX/XXXX, XXXX it was determined the mattress could be replaced under warranty. i chose to choose a different mattress and paid by debit card for difference and received a receipt. On XX/XX/XXXX discovered an email from Synchrony stated I had missed a payment. i immediately called synchrony  and told them I had not had a card with them since XXXX and that I had a XXXX balance when they closed the card. They informed me that a charge was placed on the card XXXX the day I paid the difference for the upgrade to the warranted mattress. I immediately called the XXXX store spoke with store manager XXXX explained what happened. He reviewed the account and discovered during the transaction the clerk credited the original form of payment and then attempted to charge it back to the card that was closed. said they would correct it, called synchrony as well and neither have corrected it, I am still getting harassed and being reported to my credit report as delinquent, Manager confirmed it was a clerical error on Rooms 2 go side but it has not been fixed. which is affecting my employment search due to it reflecting negative on my credit and I am being harassed with email and letters. Getting the run around

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 2021-04-30 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: Westlake Services, LLC
State: LA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit reports it has been well over 30 days in I haven't received any investigation reports.

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 2021-04-30 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: MS

Complaint narrative:
I sent letters to both XXXX and XXXX regarding an inaccurate, unverifiable, and questionable public record : bankruptcy that was place on my credit report. I asked these companies to investigate this item and provide me with the results of the investigation. These companies have not done so. Under the Fair Credit Reporting Act, a credit reporting agency has to review and respond to every dispute it receives within 30 days. ... If the review isn't completed in this time frame then the credit reporting agency is obligated to remove the disputed record! I have attached proof that I sent this letter on XX/XX/2021 and that it was delivered via certified mail to XXXX and transunion.

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 2021-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I called up Bank of America and asked how to minimize my interest payments. I asked if I should pay off my statement balance or my total balance. They told me that I should pay off my statement balance. I asked them to clarify and they told me again to pay off my statement balance. 

Then the next month I was charged a lot of interest and when I called them about it they told me there was nothing they could do to waive it. I closed my account because they were decietful.

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 2021-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ralis Services Corporation
State: CA

Complaint narrative:
contacted owning for advertised mortgage rate with no closing costs $ XXXX loan, 1.99 % rate & APR 15year term meet all requirements per disclosure but was told there is 0.25 % cost. 
the representative was up front with this cost but can not explain it is not reflected in either disclosures or advertisement. 
this is false advertising in my opinion and should not be allowed. 

attached ad content

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: TX

Complaint narrative:
I never use TransferWise for sending money internationally. Today I noticed two transactions of {$200.00} USD each debited from my checking account by the company. I tried to report this problem to their help center, but they redirected me here.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 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: Navient Solutions, LLC.
State: MO

Complaint narrative:
Take a look at this info : It was already deleted by XXXX at one point and I still have an account with them which is and has been in deferment! Please delete late and stop holding me as a consumer back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 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: Kansas Counselors, Inc.
State: MO

Complaint narrative:
Take a look at this info : It was already deleted by XXXX at one point and I still have an account with them which is and has been in deferment! Please delete late and stop holding me as a consumer back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There is a inquiry on my report I do not recognize from XXXX 's with the pandemic and all why are some companies posting applications, please remove this inquiry from the transunion 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 2021-04-30 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: CA

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 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: IN

Complaint narrative:
The following accounts have been furnished on my consumer reports without my authorization or consent without my knowledge. I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize :

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
I've always had a credit score of over 800 because I always tried to be very careful with credit cards. a few weeks ago I was in the process of getting a home loan for a house I really wanted to purchase. My loan had gotten denied and I found out it was because my credit had dropped over 200 points. I had discovered my ruined credit was a result of an automatic online annual XXXX dollar charge on an old Barclays card I had. This is a card that I had for over a decade, I used this card in the past for hundreds of transactions and have always paid my balance on time every month. I had stopped using this card during the pandemic because of my financial situation and saving for the home purchase. I do not receive paper statements for this card. Some website apparently signed me up for an ongoing annual subscription and charged XXXX dollars to this card. I never received any communication about this small charge not being paid by me. I had finally received a letter from Barclays saying they closed my account, after the fact that is. I immediately paid for the charge when I found out about it, but my credit was completely ruined by that point. I had done everything within my power to communicate with Barclays to at least get my account reinstated as I've had a long and good credit history with them and I've always paid them on time. They did not reinstate my account and weren't willing to remove any negative reporting to the credit bureaus and I lost the home I was trying to purchase. All of this was over a XXXX dollar charge after being a great customer of Barclays since XX/XX/2004. They haven't communicated with me about what was happening and they chose to lose me as a good client and ruin my credit and not even try to fix anything. Total disregard to a person financial well being ... a long time client who made them a lot of money. I would love for you to publish this so people can be warned of how Barclays will completely disregard someone's life. Thank you XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: VW Credit
State: NJ

Complaint narrative:
Initially leases car for 3 years, at the end of lease decided to purchase around XXXX and was offered 6 % apr. After months of back and forth company stated no longer able to initiate car purchase via email/mail and had to go to an XXXX dealership that in turn said over 17 % apr around XXXX of XXXX with 1st payment due in XXXX of XXXX. I made a {$8000.00}. payment prior to XXXX due date to pay down principal. Around the end of XX/XX/XXXX received call from XXXX who offered a pandemic relief for 12 months, I accepted. In XXXX of XXXX I made another payment of $ XXXX payment towards the principal in anticipation of the the restart of loan. However, when I contacted Audi financial and was advised of around a XXXX balance payofff. The original amount of loan was around XXXX subtracting the amount to have been applied to principal the loan amount shall be around XXXX. I contacted Audi for clarification, Audi has applied all payments to the interest on loan nothing was applied to the principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 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: NC

Complaint narrative:
I review a copy of my credit report and I show account with XXXX/XXXX  account number XXXX is listing as non-verfied account. I have attempted on a number of times to have this account review with no luck. I have be violated per the FRCA and aslo FDCPA. I will need help for deletion of this account due to attempting to purchase a home.

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 2021-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I review a copy of my credit report and I show account with XXXX/XXXX  account number XXXX is listing as non-verfied account. I have attempted on a number of times to have this account review with no luck. I have be violated per the FRCA and aslo FDCPA. I will need help for deletion of this account due to attempting to purchase a home.

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 2021-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
There is a inquiry on my report I do not recognize from Barclay 's with the pandemic and all why are some companies posting applications, please remove this inquiry from the XXXX 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 2021-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: AR

Complaint narrative:
I saw on my credit report a bill from XXXX XXXX for XXXX XXXX XXXX. I contacted ERC and paid the debt but they will not remove it as debt on my report from XXXX. I have called several times and even contacted the original creditor to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX mentioned that this credit would be a soft check as they are not the typical credit companyythey use the income to determine the limit

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 2021-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Union Home Mortgage Corp
State: AZ

Complaint narrative:
Made mortgage payment XX/XX/2021 full amount on time via my online bank bill pay. XXXX XXXX XXXX told me they received my payment and then returned it, XXXX XXXX XXXX, by accident and all late fees for XXXX would be dropped because they XXXX XXXXXXXX XXXX shouldn't have returned my payment. 

However, XXXX 2021 mortgage payment was not returned to my bank account as XXXX claims. I sent XXXX the ID trace # for this missing XXXX 2021 mortgage payment so they could it trace payment all the way back to the federal reserve. I also provided XXXX my bank statement for XXXX 2021 to help XXXX find my XXXX 2021 mortgage payment. 

XXXX is now saying that they received the payment and that my bank XXXX XXXX XXXX XXXX did not honor the XXXX 2021 mortgage payment and it was returned to my account. XXXX XXXX says this never happened per review of my XXXX 2021 bank statement it shows mortgage payment was received and paid in full. 

I have disputed XXXX claims and have been unable to get the help I need to resolve this " missing XXXX 2021 mortgage payment '' plus late fees. I would like my payment found and returned to me asap. 

Even though I have provided the trace id number and bank statement for XX/XX/2021 mortgage payment XXXX continues to put me off. Instead of following the facts XXXX says my payment was dishonored by my bank yet they provide no explanation or proof for this claim.

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 2021-04-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: BBVA FINANCIAL CORPORATION
State: NV

Complaint narrative:
I recently applied for an account with XXXX XXXX, that account was denied due to a alleged charge off account disputed before and I was informed that I am not responsible for the balance in that account. 
I called the applications department to check on my pending recent application and I was told that I have to contact charge off, I contacted them and they informed that I am not responsible for unauthorized use of that account and even that, the account still showing a negative balance and affecting my record. 
My recent application was denied due to that account that I am not responsible for. 
See attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax continues to show an in accurate public record ( Dismissed CH XXXX Bankruptcy ) despite repeated disputes that I have made. They keep saying they have verified the information as coming from XXXX. This item was removed from my XXXX report in XX/XX/2020. XXXX # in reference is : XXXX removing XXXX case # XXXX from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX XXXX XXXX am getting XXXX payments through Bank of America XXXX card which I do not like using make of XXXX because always have issue I did not want to use this card because it does not have any safe cards no chips and I am forced to use this card because there's no other way I can get my funds. I had a couple fraudulent transactions on my card I went through all proper channels filed complaints and and then my account got frozen for over XXXX and a half months that was a headache I reported the complaint they sent me a new card and they said that they could not investigate the complaints because my account was frozen but then I got a letter saying that the my complaint was closed because didn't find any evidence of wrongdoing. But why would I get the letter if they're saying that they can not investigate my account because it was frozen. Every time I call they keep telling me XXXX thing after another and they record my calls so there's proof that what I say is going on. XX/XX/XXXX I have XXXX different complaints on XXXX different cards. Claim number XXXX And claim number XXXX. Account ending XXXX XX/XX/XXXX. And also reopen the claim XXXX XXXX .. been such a headache. How can cash be taken out of atm at XXXX location and unless I have a ufo XXXX XXXX to transport me to a different atm that was used in a different town. Minutes apart.. also everytime I spoke to a agent they tell me certain things and tell me a temporary credit will be deposited in my account in XXXX  days. They record the calls so one can pull up my call and interaction with them and it will prove I m getting mislead. Listed on their site that my money and my account are protected and XXXX fraud liability.. False advertisement. I also contacted the local news channel to help me out. I can't get the medicine I need cuz my missing money and I'm on XXXX and I have a XXXX XXXX and major XXXX  issues. I'm not able to get food or basic thing I need for daily living. Bank of america XXXX XXXX cards with no protection. Easy to copy and they need to back up and do what they advertise about XXXX fraud.

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