vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
We own a XXXX  in XXXX and during Covid we were not able to pay our personal credit cards and loans so we called the credit card companies to defer the payments and to close out accounts to lower the interest rate. Now, I am current with the credit cards and trying to get pre-qualified to purchase a home but I can't get approved because of the 30, 60, 90 days late payments that were incurred during the end of XXXX through the beginning XXXX. According the the president, the late fees were not to be assessed during Covid and the the creditors would help out. Well, I come to find out that is not the case since I am trying to get pre-approved and my credit score is being effected from the late payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Payed in full and still showing on credit report and when I called in about the account they just wanted to argue the situation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This past XXXX, Bank of America ( BOA ) erroneously closed my account ( ending XXXX ) due to " Suspected Fraudulent Activity ''. This was an error on BOA 's part, and in XXXX BOA returned my full account balance of {$22000.00} from this account as a result of my complaint ( # XXXX ) filed with CFPB, along with my letters to BOA XXXX XXXX ( CEO XXXX XXXX XXXX XXXX XXXX and XXXX XXXX - see attached emails sent XX/XX/21 ). 

This full return of my funds proves that there was NO FRAUD ACTIVITY on my account ( ending XXXX ). In fact, any 3rd party transfers into this account were made solely and knowingly by my husband, XXXX XXXX, with his full permission and consent. 

This does not completely solve my problem, however. Despite returning my funds, BOA has still not made any effort to clear my name with the XXXX ( XXXX ) reporting system and XXXX XXXX XXXX ( XXXX  ), which currently prevents me from doing any business with other financial institutions. BOA must immediately remove this " Suspected Fraud '' from their reporting system, as it has conclusively been proven to be NOT TRUE ( as evidenced by the full return of funds ). I have repeatedly requested that BOA correct this erroneous reporting, but they still have not done so. 

Furthermore, when XXXX verified my request to correct this error, BOA made another erroneous statement that I never contacted BOA executive offices, which is also wholly untrue as stated above. This BOA error has caused another denial of my request to correct my good standing within the XXXX  ( attached letter of denial received XX/XX/21 ). This reporting error has still NOT been resolved, and I have left 5 voice mails with Mr. XXXX XXXX at BOAs Regulatory Complaints, but he has not returned any of my calls. 

I am hereby filing this complaint to correct BOA 's erroneous reporting on XXXX for my account. This continuing problem needs to be immediately resolved and all suspected fraud reporting removed from my record. 

I work in the financial service industry, and its vital to keep my financial record impeccable, especially with other financial institutions. BOAs erroneous reporting, and continued delay in correcting its error, is causing irreparable harm to my career and ability to make a living. 

XXXX XXXX ( 2 ) letters attached

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 2021-11-05 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: CA

Complaint narrative:
I have disputed withe all 3 credit bureaus about 30 day late payments on my credit report. The credit bureaus investigation results said that the lates are factual but are false.On XX/XX/2021 I received a letter from creditor stating that they have done an investigation with the credit agencies and did not find ANY reporting of delinquent payments! The bureaus still have not removed the derogatory marks from my records.

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 2021-11-05 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: CA

Complaint narrative:
I have disputed withe all 3 credit bureaus about 30 day late payments on my credit report. The credit bureaus investigation results said that the lates are factual but are false.On XX/XX/2021 I received a letter from creditor stating that they have done an investigation with the credit agencies and did not find ANY reporting of delinquent payments! The bureaus still have not removed the derogatory marks from my records.

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 2021-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have mailed my driver 's license and social security card to XXXX XXXX, XXXX, and Equifax. ( XX/XX/ } certified to prove my identity and address. On my XXXX, an Equifax has duplicate names including the last name XXXX that do not belong to me. I understand also soft inquiries are not an issue, but it is to me ; I have not applied for any utilities such as XXXX XXXX XXXX XXXX, XXXX, etc. it's over XXXX inquiries I am doing my responsibility on my part so, what is the credit bureaus responsibility? They're not doing their part. Yes, I understand we are in a pandemic but are they even taking the time or just do not care about us consumers. We do have rights

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2021 I paid off my charge cards. Two of the cards were capital one. I never had a late payment on neither card. The day after I payed off the card they drafted a letter on XX/XX/XXXX. The letter stated they were closing both accounts because one of the accounts violated the card holders agreement. A call was made and no one was able to say which card violated nor what violation was. I do know that the percentage rates on the cards was much lower than they are now. This will have a huge impact on my credit rating. Can you please help me find out why my accounts were closed. I want them reopened at the rate of credit which I had. I had been using the cards and did not let they go stagnant. I believe I was shut off because they did not like the lower interest rate I was paying.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
We own a XXXX in XXXX and during Covid we were not able to pay our personal credit cards and loans so we called the credit card companies to defer the payments and to close out accounts to lower the interest rate. Now, I am current with the credit cards and trying to get pre-qualified to purchase a home but I can't get approved because of the 30, 60, 90 days late payments that were incurred during the end of XXXX through the beginning XXXX. According the the president, the late fees were not to be assessed during Covid and the the creditors would help out. Well, I come to find out that is not the case since I am trying to get pre-approved and my credit score is being effected from the late payments.

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 2021-11-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Avid Acceptance, LLC
State: CO

Complaint narrative:
Multiple issues : 1. Avid prevents customers from knowing how much interest and fees they charge in total by failing to provide any method to see these totals. They deliberately only provide monthly statements while preventing access to the total amounts.

2. Avid charges interest rates even when paying early. We contacted Avid today XX/XX/2021 and asked for the payoff amount. We were informed that paying early would not reduce the amount of interest charged.

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 2021-11-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: PNC Bank N.A.
State: FL

Complaint narrative:
On XX/XX/2021 I was advised by a vendor that my PNC Visa credit card rejected their recurring credit card charge. I logged into my PNC customer portal and my credit card account was missing. I no longer had access to any of my account information including my monthly credit card statements. This creates a dilemma for me since I signed up for PNC 's paperless service and abruptly I no longer have access to my paperless records. These records are needed for income tax accounting purposes. 

I called PNC and was advised that a hold was placed on my account due to suspected fraudulent transactions. I obviously have no objection to that in light of the rampant fraud currently being perpetrated. 

All I'm requesting is access to my online records so I can download my paperless statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have mailed my driver 's license and social security card to XXXX XXXX, Experian, and XXXX. ( XX/XX/2021 } certified to prove my identity and address. On my Experian, an XXXX has duplicate names including the last name XXXX that do not belong to me. I understand also soft inquiries are not an issue, but it is to me ; I have not applied for any utilities such as XXXX XXXX provider services, XXXX, etc. it's over 147 inquiries I am doing my responsibility on my part so, what is the credit bureaus responsibility? They're not doing their part. Yes, I understand we are in a pandemic but are they even taking the time or just do not care about us consumers. We do have rights

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 2021-11-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am in the process of purchasing a home and had my credit pulled for the upcoming closing, which shows a 30-day late payment for XX/XX/XXXX with Macys. This derogatory mark was not reporting on my initial credit pull XX/XX/XXXX for the loan and is inaccurate reporting. Due to this error my FICO scores have dropped almost 100 points therefore hindering my loan process. I reached out to Macys who advised this was inaccurate reporting and to call back on XX/XX/XXXX where I would be provided a letter advising of the correction so that it can be submitted to the bureaus ( to restore my FICO scores ). I reached out today, XX/XX/XXXX, and after being passed around and on the phone for over an hour I was finally advised that it will take 30 days to obtain the letter of correction. I do not have 30 days that I can wait. I am filing this complaint as I feel I have exhausted all routes with Macys to have the incorrect reporting fixed asap so that I can proceed with my home purchase. I need this corrected ASAP via e-oscar with the credit reporting bureaus so that I can have my FICO score ( s ) restored to proceed with the loan.

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 2021-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
There are a few accounts on my report that I do not recognize

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 2021-11-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
We XXXX XXXX XXXX in XXXX and during Covid we were not able to pay our personal credit cards and loans so we called the credit card companies to defer the payments and to close out accounts to lower the interest rate. Now, I am current with the credit cards and trying to get pre-qualified to purchase a home but I can't get approved because of the 30, 60, 90 days late payments that were incurred during the end of XXXX through the beginning XXXX. According the president, the late fees were not to be assessed during Covid and the creditors would help out. Well, I come to find out that is not the case since I am trying to get pre-approved and my credit score is being affected from the late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
There are a few accounts on my report that I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
There are a few accounts on my report that I do not recognize

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 2021-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: FL

Complaint narrative:
I had my account illegally closed without notice in XXXX, I have emailed in excess of 600 times not hyperbole, XXXX XXXX in agreement with the OCC stated they would send me my account balance and now there are refusing to provide tracking information or mail a check after they stated they would in effect lying to the OCC to close an investagation in there favor. I will attach said email

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
So I had filed for Bankruptcy Chapter XXXX on XX/XX/XXXX and then it was dismissed by the courts on XX/XX/XXXX due to failure to appear in court, but it was actually because I was in the process of having an attorney help me and I had filed the wrong information and needed help so they wouldn't let us use my original case we had to open a new one, so the court automatically closed it due to non appearance. The second one was opened XX/XX/XXXX and closed on XX/XX/XXXX. Both of these cases were not finalized and finished through the court system meaning where the courts discharged my bankruptcy and I had to pay anything or they paid any of my creditors. These bankruptcies were not finalized and finished therefore they should not exist on my credit reports since we didn't follow through with the actual BK. I should not have to suffer with a BK public record when we didn't even finalize anything and go through with the actual BK. Please have these both removed from all three of my reports. I have my documents if you need them to show the dismissal was on my end not the courts end and that there was nothing finalizing the actual BK Cases. Case numbers XXXX XXXX This is all through the Arizona Bankruptcy Courts and XXXX have reached out to Experian, XXXX and XXXX and nothing has been 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 2021-11-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Personal information incorrect
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I am a natural person and consumer who has received unfair treatment by Synchrony and its business affiliate, a well known hardware merchant. 

In a previous CFPB complaint, XXXX, Synchrony pledged to remove the fraudulent inquiry made on my consumer report on XX/XX/2021. This was to be completed within 60 days of my complaint however, the inquires still remain on my consumer reports. Pursuant to 15 USC 1681b, Synchrony received my consumer report but has no written instructions from the consumer ( me ) to whom it relates. This constitutes a violation of Title 15, Chapter 41.

Synchrony also violated 15 USC 1681d and 1611 as they caused to be procured an investigative consumer report and did not accurately disclose to the consumer ( me ) that such report would be made. This too constitutes a violation of the Title 15, Chapter 41.

Sychrony continued to report that they made a fraudulent inquiry on my consumer report well past the date they claimed they would remove the inquiry in CFPB complaint XXXX. Synchrony is in violation of 15 USC 1611, by continuing to report false and inaccurate information to consumer reporting agencies, therefore ruining my reputation and defaming my character.

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 2021-11-05 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Century Credit & Collections, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX I received a letter from Century Credit and Collections requesting {$260.00} from a medical bill of {$170.00}. I never received the medical bill so this is the first time I am hearing about this charge.I was moving and there was an issue with the postal service at that time. I called on XX/XX/XXXX and I spoke to possibly XXXX and asked her to drop the extra charges since I never received a medical bill and this is the first time I am hearing about charge. I told her the extra charges are unfair and she directed me back to the medical clinic. The clinic said they mailed to my new address the bill three times. Maybe its because I moved and there was an issue with my mail I did not receive any of the bills. I asked to pay the amount due and not the extra charges. The medical clinic referred me back to the Century Credit and Collections on XXXX and I spoke to XXXX XXXX. She was bargaining with me and said she can settle the account for {$230.00} when the total charges were {$260.00}. I asked her to be humane and drop the charges since I had an issue receiving mail and it was not my fault. I had all the good intentions of paying the bill. She said I have to pay the {$230.00} today or she threatened to report me and damage my credit if I do not pay. I asked her to speak to her supervisor and she refused to let me negotiate. The letter said I had 30 days to contact the agency but she was giving me only one day before she damaged my credit if I do not pay. She also refused to let me speak to supervisor and let me know my rights. She just hung up on me without trying to find a solution.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation