vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Can you just believe that this crazy bank - bank of america doesn't have a regular way to make the timely payments when the payment is due for the statement balance? And this is not some coincidence but complete UDAAP ( Unfair, Deceptive, or Abusive Acts or Practices. ) violation which can cause significant financial injury to consumers, erode consumer confidence, and undermine the financial marketplace. 
In my case I almost missed the payment for my card ending in XXXX. When i contacted Bank of America person via chat, rather than helping me, they sent me a useless email which has all the instructions to setup for mobile application. Worst thing, when the customer is on that page to follow the instructions, chat disappears. 
When I was not happy with my chat experience as it is slow and disappearing, Bank of America, Mr. XXXX disconnected the chat. 
Then i called Bank of America. Initial person couldn't solve this issue ( so one can understand how difficult it is to make the auto pay as the Bofa employees themselves are not understanding it XXXX. When the Technical support came in, they are also not very helpful, they are asking me to open some Bank of america checking 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 monetary relief
Consumer complaint received 2021-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
Barclays rewards closed my credit card on late XXXX due to my balance on a competing XXXX XXXX high balance. When they closed it, it took months to get Barclay 's to send statements. They froze my ability to continue online paperless internet account access. Then I reported them to the OCC and I started to receive statements on and off during XXXX. They have continued to freeze online access on and off as well. Reporting my account late 29 percent of the time I want my history corrected due to their continued unethical collection actions. I have reached out to them several times, Paid the account off and they refuse to assist at all. I have 12 other credit card accounts with 7 plus year history and not 1 late 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 explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TN

Complaint narrative:
On XX/XX/2021, our banking account with XX/XX/XXXX had two unauthorized mortgage payments charged to our bank account. These charges were over {$4000.00}! We were on autopay for the last several years of which our payment processes on the XXXX of each month. XX/XX/2021 payment was processed on XXXX XXXX. The two erroneous charges were due to a glitch with the actual mortgage company 's payment processing system. This happened to thousands of customers. This matter was unauthorized and is an infringement on our rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 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:
FOR SEVERAL SEVERAL MONTHS NOW I HAVE BEEN TRYING TO GET THIS ISSUED RESOLVED BUT HAVE BEEN GETTING THE RUNAROUND EVERYWHERE I GO. THIS NEEDS TO BE RESOLVED IMMEDIATELY AND THIS IS MY LAST ATTEMPT BEFORE PURSUING LEGAL ACTION. I HAVE NEVER BEEN LATE ON ANY OF MY FEDERAL STUDEN LOANS. I CONSOLIDATED ALL OF MY LOANS ON XX/XX/2018 ( ATTACHED IS PROOF FROM MY CURRENT SERVICER ; XXXX XXXX XXXX. THE FEDERAL STUDENT LOANS THAT I CONSOLIDATED ACCRUED SEVERAL LATE PAYMENTS AND DEROGATORY REMARKS. HOW CAN THIS BE IF THEY WERE CONSOLIDATED AND THE BALANCES WERE REDUCED TOXX/XX/XXXX? I HAVE CALLED THE US DEPT OF ED, XXXX OR XX/XX/XXXX, XXXX, PERKINS LOANS, AND THEY HAVE NOT FIXED THE ISSUE. IT IS THE CREDIT BUREAUS OBLIGATION TO REPORT ACCURATE INFORMATION. THIS IS NOT ACCURATE.

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 2021-04-26 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I disputed an item off my consumer report regarding the fact experian committed a FCRA violation they deleted the information off my report so with that being said an deletion is an admission that they committed committed violation my report number is XXXX and the date i disputed this account is XX/XX/2021

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 2021-04-26 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:
Hello, I was in the process of obtaining credit a few months ago and was made aware of several inaccuracies on my credit report. I reached out to Equifax via direct mail several times to verify the information reported. After several attempts, they have not provided any proof or documentation verifying the information they are reporting. All three bureaus have different information in regards to many accounts with different payments made on different dates, with different account numbers and on-time/late payments for what is supposed to be the same account. Equifax has not been able to verify any of the information reported, they are now simply saying that they have completed investigation but I haven't received anything in regards to the concerns addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I submitted a complaint to the CFPB to investigate TransUnion for incorrect reporting. The CFPB closed the case after TransUnion responded without making the necessary updates. TransUnion simply sent a standard computer generated response saying I would be notified by mail. 

As I mentioned in my XX/XX/XXXX complaint. TransUnion has been and continues to report a XXXX chapter XXXX bankruptcy that is not mine. I have told them on multiple occasions, this was a chapter XXXX filed by my ex wife. 

I submitted letters from the XXXX XXXX XXXX California Bankruptcy division, signed by Judge XXXX that clearly stated this is not accurate, and that I did not file for chapter XXXX. TransUnion has made the fatal mistake of ignoring that judges order. 

I then contacted the agency they use to verify there information, which is XXXX and they agreed that they were also reporting in error. They provided me with a letter stating the information was incorrect and they had removed it from my credit file. 

TransUnion unfortunately has continued to ignore all of the evidence I have provided. They continue to disregard the laws that were put into place to protect consumers from predators like themselves. 

I am now hiring an attorney to file a class action lawsuit against them for defamation of character. I am asking CFPB to also encourage TransUnion to comply with the law. 

I have made dozens of phone calls to them and they continue to ignore my requests. In addition to that I spoke to a gentleman who identified himself as a US supervisor, after he chose to ignore my request as well. He said he was going to email his manager to call me asap. I have never received that call.

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 2021-04-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Social Finance, Inc.
State: FL

Complaint narrative:
Loan origination date : XX/XX/XXXX Amount : {$28000.00} Last on-time payment : XX/XX/XXXX I had a flawless record of payments with SOFI until the XXXX payment was due. I am not working because my employer has cutback drastically during the covid19 pandemic. So I am unable to make payments after XX/XX/XXXX. 

I have spoken to SOFI customer assistance, hardship department, and collection department many times since I missed the XXXX payment, but to no avail. They will not extend my forbearance or renegotiate my payment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have sent numerous dispute requests to Transunion,XX/XX/XXXX and XX/XX/XXXX to remove the addresses that I am not familiar with and do not belong to me. I have sent off this request every 30 days since XX/XX/2020, I have attached my license, ss card, utility bill and bank statements to show my correct address which is : XXXXXX/XX/XXXXXXXX XXXX, TX XXXX I need all other addresses that are not related to me removed from my XX/XX/XXXX,XX/XX/XXXXand Transunion 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 2021-04-26 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have sent numerous dispute requests to XXXX, XXXX  and Experian to remove the addresses that I am not familiar with and do not belong to me. I have sent off this request every 30 days since XX/XX/2020, I have attached my license, ss card, utility bill and bank statements to show my correct address which is : XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX I need all other addresses that are not related to me removed from my XXXX, Experian and XXXX 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 2021-04-26 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: TX

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes.They are just breaking the law and doing whatever they want to do. This is outrageous. I do not understand how they can operate in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 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: GA

Complaint narrative:
Hello, I am wirting to advise of debt collection that has been satifed and requested for pay of deletion. I was advised that I must forward any and all documents to credit bureau for removal. I advised by collection company that they may or may not send updates. I under this to be a direct violation of FDCPA requesting removal of account from XXXX XXXX account number XXXX and credit bureua reporting number XXXX for the satified payment amount to close and delete from all credit reporting in the amount of {$290.00}.

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 2021-04-26 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1200.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 


-- AUTO LOAN OR LEASE 2. XXXX XXXX XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$220.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 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: FL

Complaint narrative:
Hello, I was in the process of obtaining credit a few months ago and was made aware of several inaccuracies on my credit report. I reached out to TransUnion via direct mail several times to verify the information reported. After several attempts, they have not provided any proof or documentation verifying the information they are reporting. All three bureaus have different information in regards to many accounts with different payments made on different dates, with different account numbers and on-time/late payments for what is supposed to be the same account. TransUnion has not been able to verify any of the information reported, they are now simply saying that they have completed investigation but I haven't received anything in regards to the concerns addressed.

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 2021-04-26 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: DISCOVER BANK
State: CA

Complaint narrative:
I have filed a dispute in regards of the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 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: Social Finance, Inc.
State: CA

Complaint narrative:
My XXXX credit report was accessed on XX/XX/2021 as indicated by a hard credit inquiry by SOFI/XXXX ( XXXX XXXX XXXX XXXX  ) I did not initiate this inquiry nor did I apply for credit with this company or their affiliates. I sent a letter via USPS to the address indicated on the XXXX credit report indicating this fact and that they did not have a permissible purpose to access my credit report. The company has been non-responsive. The Fair Credit Reporting Act 616 provides for the following : Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] " ( b ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. '' My credit rating has been damaged as a result of their unauthorized credit inquiry ( s ) and I am prepared to seek litigation if this matter is not resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
On XX/XX/2021, XXXX XXXX Credit Card put a late payment on my credit report. This is incorrect information. I never missed a payment on this credit card, I have been paying on time for more than 3 years and all payments were made on time. I completely payed off the balance of the card 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 non-monetary relief
Consumer complaint received 2021-04-26 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: WA

Complaint narrative:
XXXX XXXX is misreporting a balance on a charged off account that was sold to a collection agency named XXXX XXXX. The charged off account is also reporting on my wife 's reports and she was only an authorized user and never responsible for the account. The collection was subsequently paid and XXXX agreed to remove the collection fully from my reports but hasn't yet. I have included a screenshot of the accounts from a joint credit report of mine and my wife 's.

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 2021-04-26 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: Resurgent Capital Services L.P.
State: WA

Complaint narrative:
XXXX XXXX is misreporting a balance on a charged off account that was sold to a collection agency named LVNV funding. The charged off account is also reporting on my wife 's reports and she was only an authorized user and never responsible for the account. The collection was subsequently paid and LVNV agreed to remove the collection fully from my reports but hasn't yet. I have included a screenshot of the accounts from a joint credit report of mine and my wife 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 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: OH

Complaint narrative:
I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XX/XX/XXXX I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. XXXX XXXX XXXX XXXX XXXX # XXXX account is reporting 30, DAYS LATE since requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process.

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 2021-04-26 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 — Card was charged for something you did not purchase with the card
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: WA

Complaint narrative:
An unauthorized charge was made on my Union Bank debit card with XXXX in the amount of {$1900.00}. I called XXXX and informed them. The representative asked if I had an account and I said no. He then asked for mu address and birthdate to verify that it was not I that placed the bet. I gave him that information. He said the bet would be placed on hold and someone would call back in 24 hours. I then called Union Bank and alerted them. The debit card was cancelled and a credit of {$1900.00} was placed back into my account. When Union Bank contacted XXXX the agent stated that it had my address and birthdate, thereby saying it was used in the transaction. By asking for my address and birthdate initially, the XXXX representative was not trying to verify if I had an account but rather to limit their liability of having to refund the {$1900.00} to Union Bank. I am out the money and they have my personal information. Union bank refuses to refund the {$1900.00} to me, even though they know I did not authorize the transaction.

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 2021-04-26 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: CITIBANK, N.A.
State: FL

Complaint narrative:
Hello, I was in the process of obtaining credit a few months ago and was made aware of several inaccuracies on my credit report. I reached out to Macy 's via direct mail several times to verify the information reported. The first couple of responses they refused to look into any information, and recently I received a Cancellation of Debt 1099-C form from them in regards to the account. If there is no proof of the account, and they have admitted cancellation of the debt, the account needs to be removed from the credit reporting.

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