vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2021 XXXX fraudulent XXXX transfers were taken from my personal account totaling {$1100.00}. I called Bank of Americas claims department and an associate told me that Bank of America holds no accountability when it comes to XXXX and that it was not her problem. She gave me a XXXX number for XXXX but said that I am not likely to get through to anyone. I called again and spoke to an associate from Bank of America who explained that XXXX used to be convenient and safe, but now it is an easy way to lose your funds. I still have the text when Bank of America asked if I approved the transaction, I texted No. I also logged into my online account and requested my funds back through XXXX. How can Bank of America hold no accountability for XXXX, when they offer it through their website. XXXX is on their homepage, but they do not trust XXXX. Why would anyone keep their hard-earned money in a bank that promotes third party companies and can not back them up? They claim that they have nothing to do with XXXX, but they do. The last conversation I had was with a much more compassionate associate who explained to me that it could accept to forty-five days to complete the investigation. It has been two-weeks and still no refund, claim number, email, or any sign that I even inquired. I have been a loyal customer of Bank of Americas since I was a teenager. I have direct deposits, a business, personal, and a savings account with them. Lately, every time I have tried to contact them, I am on hold for over an hour. I suppose I have to take tomorrow off so that I can go in-person to a bank teller that may be a bit more helpful. As a single mother, I am still recovering from an XXXX XXXX  XXXX, take care of my children, my XXXX XXXX father, and can not afford to have my funds taken away and left with no accountability. I was told that one refund of {$580.00} was stopped and the other one of {$580.00} is being disputed. This is not the case unfortunately. Thank you ahead of time for your patience and understanding, Gratefully, XXXX XXXX XXXX XXXX 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 2021-09-17 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: STATE EMPLOYEES CREDIT UNION
State: MD

Complaint narrative:
Was in CH XXXX bankruptcy for 5 years. My mortgage was not included and I did not miss a payment. Soon as I was discharged they instantly reported that I missed my last 2 payments. I was not notified before this was reported on my credit. I called them and their researched determined this was a result of a payment missed when I filed for bankruptcy 5 years ago. I paid the past due amount within days of being aware of it. The bank will not correct the missed payments month/year on my report which means I cant qualify for refinance with another company until 12 more months, rates low now

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Amazon Store Card I have not been using this card since XX/XX/XXXX so I have not been checking my account because I know I don't use. Then I get an alert on my billpay XXXX  that I have been flagged as delinquent. I have NEVER been deliquent on any bills IN MY ENTIRE LIFE and this was the first. 

Their user interface is horrible and the most I have been able to go back is to this date on my card. I can not see past the 90 day period to find out when these charge have started. This XXXX  fraudulent charge has happened to me before and I was able to dispute it. But this time they are taking their time. When I found out that I had multiple delinquencies, I disputed it, around XX/XX/XXXX or XXXX XXXX. I was told to follow up after a month which is today XX/XX/XXXX. Now this guy XXXX XXXX from amazon store card XXXX XXXX tells me it takes about XXXX billing cycles to resolve the dispute. I ask him when I should follow up and he does not give me a clear answer. He says " I will raise a dispute from my end once again '', " we will work as best as we can and as fast as we can.. we will send letter once resolved '' .Also their user interface to log into the amazon store card is so difficult to find, It usually leads you to the amazon store first and . very disappointed with this company. I find out this week that they have closed my account before the dispute is even settled. Good thing they are still letting me log into my account but I do not know for how long. 

Fraduluent Charge XX/XX/XXXX XX/XX/XXXX INTEREST CHARGE ON PURCHASES {$2.00} XX/XX/XXXX LATE FEE Payment Due Date XX/XX/XXXX {$40.00} XX/XX/XXXX XX/XX/XXXX MINIMUM INTEREST CHARGE {$1.00} XX/XX/XXXX LATE FEE Payment Due Date XX/XX/XXXX {$40.00} XX/XX/XXXX XXXX XXXX XXXX XXXX WA XXXX Premium Plus SHIPPING AND TAX {$16.00} XX/XX/XXXX XX/XX/XXXX MINIMUM INTEREST CHARGE {$1.00} XX/XX/XXXX LATE FEE Payment Due Date XX/XX/XXXX {$11.00}

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 monetary relief
Consumer complaint received 2021-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have disputed XXXX XXXX with Equifax on multiple occasions. I also disputed again on XX/XX/XXXX. XXXX is paid off and Equifax has it as a derogatory mark and it should be paid status. This XXXX is against compliance and Equifax is also against compliance. This will be my last compliant filed before I sue for not following FCRA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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: GA

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown items on my credit report. I have not received a response yet and it has been 45 days. Please remove these items that were originally disputed on the date above from my credit report that were originally disputed with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I have submitted multiple disputes and complaints, this company just lies and continues to report false, erroneous and inaccurate information on my credit report. This is damaging to my credit and preventing me from obtaining more credit. I need this negative account removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I have submitted multiple disputes and complaints, this company just lies and continues to report false, erroneous and inaccurate information on my credit report. This is damaging to my credit and preventing me from obtaining more credit. I need this negative account removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 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: GA

Complaint narrative:
I noticed these fraudulent inquiries on my Equifax credit report and I've disputed them several times with the companies and Equifax and they are still stating these are mine without properly verifying. Please remove the following fraudulent inquiries immediately, thank you. 

Hard Inquiry Date XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
My credit card was stolen on XX/XX/XXXX. It was last seen in XXXX XXXX on XXXX XXXX before heading to a friend 's house in XXXX, WA. I was not aware that it was out of my possession until XX/XX/XXXX as I thought it was at my partner 's house in XXXX XXXX. When I logged into my BAnk of America account I found that XXXX was spent on my card at XXXX XXXX in XXXX, XXXX in XXXX and XXXX in XXXX XXXX as well as XXXX 's in XXXX XXXX. I have never spent money at a physical XXXX location nor have I spent that much money in a 24 hour period shopping in my entire credit card history. I reported the card as stolen to the bank and the bank gave me a temporary credit but then later determined that I was responsible for the charges as I had authorized someone to my account. As of XX/XX/XXXX the credit card company declared me responsible for the stolen charges as well as any interest accrued thereafter from those purchases. I appealed the decision of the credit card company twice who then said this type of charge was consistent with my purchase history. Nowhere in my purchase history have I spent more than {$500.00} at a physical location at a store or more than {$2000.00} in less than a 24 hour period. I have a police report on record for the stolen credit card. I am the sole authorized user of the credit card for my business and never authorized anyone to make purchases for me. 

The following were purchases not made by myself : XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 's : 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 2021-09-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP
State: WA

Complaint narrative:
I called and requested the CC company close my credit card account 9 days ago. When I log onto my mobile app or online account the account still looks open. I called the company and was told the account is closed and no charges would be accepted going forward. Today I received a letter stating that, " they had completed my request to close my account but pre-authorized charges or online charges may continue to be accepted and billed to this account ''. How do you accept charges on a closed account? When I called to inquire about this the CS stated he had never heard of that, but if that's what the letter says than I need to make sure that I remove that card from any re-occurring payments and online sites. I have done this but what it I miss one? The account is either closed or its not. This is predatory lending and should be illegal to accept charges on a CLOSED 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 explanation
Consumer complaint received 2021-09-17 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: PA

Complaint narrative:
I recently pulled my credit report and noticed damaging information that should not be on my credit report such as unknown inquiries, and improper late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
I sent a dispute letter to TransUnion pointing out the exact inaccuracies on my credit report only for them to not truly investigate the matter. Are they even truly conducting investigations or are they just automatically verifying things without conducting an investigation as required by law? No wonder President Biden wants to do away with the credit bureaus, they are useless. 

My name is XXXX XXXX and Im submitting this complaint on behalf of myself and would like you guys to proceed forward with this complaint.

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 2021-09-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I received notifications that two credit card accounts were applied for with Bank of America. When I called Bank of America I advised them that I did not apply for these accounts I have spoken to 10 different reps and the accounts have not been closed. I have not applied for any accounts with Bank of America and these credit cards need to be shut down. When I called Bank of America they refused to close the account and stated there is a block only. I have not applied for these accounts and want them removed and closed. I am a victim of identity theft.

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 2021-09-17 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: PA

Complaint narrative:
I recently pulled my credit report and noticed damaging information that should not be on my credit report such as unknown inquiries, and improper 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 2021-09-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I didnt give permission to XXXX XXXX  for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization

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 2021-09-17 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:
Numerous times i have contacted trans union to dispute the charge off accounts on my credit report. They have failed to verify these accounts. But these accounts are still showing on my credit report. At this point, they are going against the fair credit reporting act. They are not providing me with correct verification on these accounts listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, If transunion can not verify these accounts truthfully and accurate. Then they need to be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: WLCC
State: WA

Complaint narrative:
A loan was opened in my name which I did not apply for. The information given to Explore Credit was all my information but the bank account number the loan was deposited in was not my account. The email address given to them was not my email address either but they would not disclose what email address they have. The loan was applied for in late XXXX or Early XXXX of this year. I called Explore Credit and they were going to file it as fraud but would not give me any information on the loan except the loan number which is XXXX. I spoke to a representative name XXXX on XX/XX/2021 in regards to this fraudulent activity. She said they would try to reverse the deposit out of that person 's account and if they can't she may need more info from me to get this resolved. I wasn't given details in regards to this loan such as amount, bank account number

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 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: SC

Complaint narrative:
The 3 credit Bureaus are reporting a 30 day late for XXXX XXXX for the month of XXXX. XXXX XXXX has confirmed they never reported the account late.

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 2021-09-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I have a small business credit card with American Express. They told me that they did not receive a payment and closed the account. They also reported on my personal credit that they closed and charged off the account. During the pandemic. We gave them proof that it was paid. They still have not credited us and filed a lawsuit against me in court for this amount plus a {$2000.00} interest charge. 
I have been calling them. My attorney has been calling them. This has been going on for about 7 month and they told my attorney they were sending me a letter clearing up the matter and then they filed a lawsuit. The man that claimed it was cleared up was Mr. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Hi, I have a close Capital One Card starting with XXXX that was opened in XX/XX/XXXX. I had a 30-day late payment of only around {$150.00} but forgot to pay it by 2 days. I called and apologized and asked that it not be reported as a late payment. Capital One still reported it in XX/XX/XXXX. I have been trying to get this removed for the last 4 years with no success. I have 2 other cards with Capital One with limits of {$22000.00} that were opened in XX/XX/XXXX and another with a {$4500.00} limit opened in XX/XX/XXXX. Both have never been late. The late on the original was a fluke started using autopay after that incident but Capital One won't remove the late reporting. It's only XXXX which is the most check report by lenders, and has affected my getting proper credit. I have talked to numerous people and written the letters explaining everything and pretty much begging to take it off XXXX 's report, but they won't. Is there anything you can do to help?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Bread Financial Holdings, Inc.
State: AR

Complaint narrative:
During an " owners workshop '' meeting at a XXXX XXXX in XXXX XXXX, NV, the XXXX sales person opened a Comenity Vacation club credit account in my name without prior discussion or approval. We were unaware of this until after returning home and receiving the bill for {$30000.00} in the mail. Upon calling, I was told that I was past the 10 day limit to recent this purchase. I had struggled for over a year to pay the $ XXXX monthly payment. The card also came with a 20 % interest rate. I was finally able to get Comenity to place me on a hardship program due to loosing my job during the pandemic, which lowered my payments to $ XXXX monthly and 0 interest for 5 years. After many failed attempts ( and over {$20000.00} gone from my savings ) to get XXXX to cancel this membership, I formally began a dispute process with both XXXX and Comenity. I received a letter from Comenity stating that I have successfully completed the special Vacation club credit long term program and my account would remain permanently closed and reflected as paid in full on my credit report. I also received two bills showing a balance of - {$8000.00}. When I called Comenity to inquire about a refund of the balance shown, I was told that the letter w as sent by mistake and that I have a balance of {$21000.00} to be paid on the account. I am still on formal dispute with XXXX for their deceptive, fraudulent, and aggressive sales tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 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: SC

Complaint narrative:
The 3 credit Bureaus are reporting a 30 day late for XXXX XXXX for the month of XXXX. XXXX XXXX has confirmed they never reported the account late.

Company response to consumer: Closed with explanation