vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-08 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: IL

Complaint narrative:
Hi I am currently a working professional who went through a financial hardship while I was in college. During the fall of 2017 I was accumulating credit card debt and was struggling to make some monthly payments. I received 90 day past due email notifications and daily phone calls of my credit card accounts going delinquent from XXXX XXXX  of whom I had my credit cards issued from. They suggested that I enroll in a debt repayment/consolidation program through their third party XXXX XXXX to help alleviate the payment burden. I enrolled, and the XXXX rep informed me that this will bring your account current as long as I made payments through them. 

From the onset of making the first payment via XXXX XXXX, the late payment notifications stopped both via email and phone calls. I continued to make payments for the next three years ( see attached ) via XXXX XXXX and never missed a payment. A few months ago I ran a credit history report and saw that XXXX reported 29 missed payments for the cards that I was enrolled through the program. This shocked me as I was under the impression that I was up to date with paying down my debt. Having these missed payments on my credit report was detrimental to my goal of building back my credit. There was a missed payment that was getting carried over month to month from XX/XX/2017 which was hurting my credit score. I was never notified of this from either XXXX or XXXX XXXX. Per XXXX policy " missed payment of 60 days or more XXXX will begin physical mail, email, and phone communication notifying consumer of a missed payment. '' I received neither mail, email, or phone notification. In addition to this, the credit report for the missed payments shows 60 days past due for over 2 years which is a glitch/error since a true missed payment would upgrade into 90day-120 day status over that time period. I contacted XXXX about this issue and even escalated it to their executive branch. They insisted there was absolutely no fault on their behalf and were not willing to remove the missed payments. I even pointed out that I received no communication from them about my account not being current but my statement was ignored. After the phone call had ended, I magically received an email from XXXX for the first time in over 2 years that my credit card payment for that account was past due. This upset me even more but I made the payment to bring the account current. Today I paid off both cards via XXXX XXXX through a lump sum payoff.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: HEARTLAND PAYMENT SYSTEMS INC
State: PA

Complaint narrative:
On XXXX I sent an ACH transfer of {$50.00} to the PA Lottery  from my bank. I talked with the bank, today, Monday XX/XX/21 and the bank tells me there is nothing wrong with the ACH transfer and the PA Lottery  received the transfer. My PA Lottery  account also shows the deposit was received. A collection company, Global Payment, XXXX called me on Monday XX/XX/21 claiming that the bank rejected my ACH transfer and I owe the collection company {$50.00} plus a {$35.00} fee. I refused to pay or send them any documents and gave no additional information as I do not owe the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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: OK

Complaint narrative:
Old addresses are inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2021, I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I got scammed for XXXX for trying to order a puppy online XX/XX/2021. Long story short it was XXXX for the puppy. Upon arrival they added 3 different fees to receive puppy, that were 100 % refundable. I only paid 2 fees because when they asked for the 3rd one I knew it was a scam. Chase bank says that cant do nothing about.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
I opened a new checking account with Bank of America in XX/XX/2021. 

I deposited {$290.00} on XX/XX/2021 into my account via Direct Deposit. My account was in good standing. 

On XX/XX/2021 at XXXX I deposited {$1400.00} ( XXXX {$20.00} Bills ) into Bank of Americas ATM ; ATM ID : XXXX in XXXX , Maryland . Which malfunctioned and was unable to fund my account or return my deposit. It asked me the amount and also gave me a receipt of the machine malfunction. 

I stayed at the bank and within 15 minutes I filed a claim via the Electronic Claims number provided. The claims representative informed me I would receive a temporary credit within 2 days pending an investigation and notice via mail. 

I attempted to use my ATM/Debit card to make a purchase the next day and it was declined. I contacted Bank of America and was informed my account was in the process of closure pending the result of the previously opened claim. They never contacted me informing my account was in closure. 

On XX/XX/2021 I contacted Bank of America for an update due to not having access to online banking message center. I did not receive any mail notice. Bank of America informed me the claim was denied as they were unable to retrieve any cash from the ATM and stated video footage showed I did not make a cash deposit which is impossible. 

I asked for proof of the video footage and Bank of America informed me I can file a police report and subpoena the footage. Why should I be put through more emotional anguish by opening a legal process to rectify a malfunction with Bank of Americas faulty ATM machine. Why would Bank of America not openly provide the video footage to a customer ; weird right? 

I asked the representative when my remaining account balance would be sent to me and she informed me the estimated account closure date was XX/XX/2021. How is this possible when I was informed if my claim was accepted I would be sent a check including my account balance that week. Meanwhile I lose {$1400.00} and my remaining funds will be held for more than month by Bank of America which I believe they benefit from in some financial way through interest. 

I have attached the ATM malfunction receipt and proof of my ability to provite the funds I received and deposited. The funds I deposited were Federal Unemployment Compensation due to unemployment because of Covid-19. 

This has severely impacted my already handicapped ability to provide for myself and fulfill my obligation to my rent. I can not easily replace {$1400.00} at this time due to unemployment. I think it is unacceptable Bank of America is allowed to operate claims and accounts in this way. I think there has been foul play in the handling of my account and ATM claim on Bank of America 's part.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I have had a account with Huntington for many years. Due to the pandemic, I have been without a job since XXXX, XXXX. I've always enjoyed using Huntington and have found their customer service to be top notch. This year has proven to be different. On XX/XX/XXXX I got an alert that my bank had a withdrawl of {$1100.00}, I immediately called Huntington and they had no idea what I was referring to. It wasn't for a week later I was finally able to get to a higher up in customer service who would tell me it was for a garnishment, which I wasn't aware I had a garnishment. I contacted the court, told them I did not receive any sort of garnishment paperwork, they referred me back to my bank. I'm on unemployment, the funds in my account are unemployment funds which are protected which the court agreed to as well as the representative at the XXXX XXXX, MI location. I was promised Huntington would get back to me and I have yet to recieve a resolution. As of today due to this issue I am out {$1500.00} with no regard to getting it fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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: UT

Complaint narrative:
I opened a checking account in Bank of America around XX/XX/2021, using this account to receive services fee from my clients. I am self-employed account, providing tax and account service to our XXXX clients. The account balance is about {$3900.00} when the bank decided to close my account without any reasonable reason. I can't decide which account my clients use to pay me the money, but the bank said I receive money from unemployment benefit card. So I can let my clients to prove this thing, I just received the money from the work I did. I did not do anything fraud or wrong. 

the bank said they will send this decision to XXXX XXXX , XXXX and XXXX XXXX XXXX , XXXX. So it may affect my credit. I totally can't accept this decision. It's unfair to me. 

We family just bought a house right now, we are in closing time to apply for a mortgage loan. I don't wan na this decision will affect our to get the loan. Please help me!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-08 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: OK

Complaint narrative:
Old addresses are inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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: OK

Complaint narrative:
Old addresses are inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX claim this debt is valid but fail to respond to me directly with proof of validation which I requested 4 times, fail to comply to FCRA law of proof of originals copies to proof valid of debt, I will post my request and their response. there response doesn't have copies of the original contract XXXX  XXXX XXXX XXXX reporting this account to my collection, so they have to validate this account or remove it. 

that's not the only violations on the collection account, XXXX reporting this account type is collection. 
Transunion reporting this account is open.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: NY

Complaint narrative:
Through loss mitigation at Loancare, I applied for a mortgage modification. After submitting all required documents including a quick claim deed which showed the removal of the co-borrower on my house, I received written notice of the application being complete as of XX/XX/XXXX. 
I was notified on XX/XX/XXXX that I was approved for a trial payment plan. This notification had the co-borrower 's name omitted. 
After successfully completing trial plan my modification was granted and I continued to pay my mortgage on time each month. 
In XX/XX/XXXX I was telephoned by Loancare and a representative stated that I did not return signed & notarized agreement. This was incorrect as I have the postal receipt. I called to follow up several times constantly being told someone would get back to me, this never happened. Finally after asking to speak to a supervisor who seemed very friendly and helpful I was told the co-borrow needed to sign agreement or submit proof of new deed and any other documentation. I complied and the matter was completed or so I thought. I called to make my XX/XX/XXXX payment and was told it can not be accepted. Several calls to Loancare went unresponsive as I was again told someone would get back to me. I then receive a letter stating my mortgage modification is denied and I haven't made a payment since XX/XX/XXXX which is a False Claim. Loancare breached this contract, made false claims and failed to respond to repeated request for information. Please assist as I acted in good faith and was forthright as per this agreement however I was not met with the same treatment. I'm now being forced into a pending foreclosure litigation. I thank you in advance for your assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Automated Collection Services, Inc.
State: IL

Complaint narrative:
I paid the debt they are calling about with the original biller on the date the service was provided in 2019. They made a billing error and sent me to collections. I told the collection agency this many times over the past few years. They continue to harass me. I dont owe this and I paid the provider at time of service.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX claim this debt is valid but fail to respond to me directly with proof of validation which I requested 4 times, fail to comply to FCRA law of proof of originals copies to proof valid of debt, I will post my request and their response. there response doesn't have copies of the original contract XXXX XXXX XXXX XXXX reporting this account to my collection, so they have to validate this account or remove it. 

that's not the only violations on the collection account, Equifax reporting this account type is collection. 
XXXX  reporting this account is open.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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: AR

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone : ( XXXX ) XXXX RE : Account # XXXX Hey guys, My name is XXXX XXXX XXXX XXXX. 
I was going over my credit report and I wanted to get an account validation. 
Im in the process of getting my taxes and things in order and this is just something that I feel needs to be taken care of aswell. 
I am exercising my right to request validation on any debt that is alleged to me. 
In this climate of data breaches and such, I just need to be absolutely sure that none of my data has been compromised and used without my authorization. 
Im basically asking that you provide me with competent evidence that I personally have a legal obligation to pay you and that you are actually who you say that you are as well. 
When your offices provide the proper documentation as requested in the following declaration, I will need about 30 days to investigate this information. During such time all collection activity must cease and desist. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Im not looking to have you verify my name and address. Im actually looking for a few specific details and I will go ahead and list them below. TIA

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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: AR

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone : ( XXXX ) XXXX RE : Account # XXXX Hey guys, My name is XXXX XXXX XXXX XXXX. 
I was going over my credit report and I wanted to get an account validation. 
Im in the process of getting my taxes and things in order and this is just something that I feel needs to be taken care of aswell. 
I am exercising my right to request validation on any debt that is alleged to me. 
In this climate of data breaches and such, I just need to be absolutely sure that none of my data has been compromised and used without my authorization. 
Im basically asking that you provide me with competent evidence that I personally have a legal obligation to pay you and that you are actually who you say that you are as well. 
When your offices provide the proper documentation as requested in the following declaration, I will need about 30 days to investigate this information. During such time all collection activity must cease and desist. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Im not looking to have you verify my name and address. Im actually looking for a few specific details and I will go ahead and list them below. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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: AR

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone : ( XXXX ) XXXX RE : Account # XXXX Hey guys, My name is XXXX XXXX XXXX XXXX. 
I was going over my credit report and I wanted to get an account validation. 
Im in the process of getting my taxes and things in order and this is just something that I feel needs to be taken care of aswell. 
I am exercising my right to request validation on any debt that is alleged to me. 
In this climate of data breaches and such, I just need to be absolutely sure that none of my data has been compromised and used without my authorization. 
Im basically asking that you provide me with competent evidence that I personally have a legal obligation to pay you and that you are actually who you say that you are as well. 
When your offices provide the proper documentation as requested in the following declaration, I will need about 30 days to investigate this information. During such time all collection activity must cease and desist. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Im not looking to have you verify my name and address. Im actually looking for a few specific details and I will go ahead and list them below. 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