vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-12 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: SC

Complaint narrative:
I hope you can help me to remove these items from my credit because I can not progress in my life like buy a house, get car or even get a credit card. The way life is now credit is everything. On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. I hopes that I can get some assistance in reaching these credit bureaus. They are unlawfully reporting late and missed payments on my credit report during the pandemic. I wasn't able to work during those times when the payments were missed and they aren't giving any consideration and I have submitted my compliant over a month ago and still haven't gotten any results. I am the only one who is working in my family and i need to provide a good life to my parents and these fraudulent items will hurt me to provide as daughter. so please help me while I move forward with helping my family thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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: SC

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. I hopes that I can get some assistance in reaching these credit bureaus. They are unlawfully reporting late and missed payments on my credit report during the pandemic. I wasn't able to work during those times when the payments were missed and they aren't giving any consideration and I have submitted my compliant over a month ago and still haven't gotten any results. Please help me get these accounts updated and get my credit back on track.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX, TransUnion, & XXXX will not mail me a file disclosure of my credit report. After forwarding certified letters over the past several months, I am being rejected to view my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX, & Equifax will not mail me a file disclosure of my credit report. After forwarding certified letters over the past several months, I am being rejected to view my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: SC

Complaint narrative:
have made all payments on time but company claims XXXX and XXXX have not been made and have put me in default

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 2021-05-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
In XX/XX/2019 I lost my employment and then my home was adversely effected by a sink hole on my property. The sink hole damaged my well and I had no water. I had to fix the well and plumbing situation with my own funds as insurance would not pay. I fell behind on my mortgage. Then XX/XX/XXXX hit and I was again out of work and my boyfriend who also lives in the home lost hours and was not reimbursed. I called my lender and went onto the forbearance plan under CARES. I then contracted XX/XX/XXXX and have a XXXX XXXX XXXX of XXXX. I became very sick and ended up in the XXXX XX/XX/XXXX. I was there for over a month and am still dealing with long term effects from XXXX. I read online that XXXX XXXX was extending the forbearance another 6 months for those of us still being effected. I called Mr. Cooper and was told they would not extend my forbearance. I am still too ill to work and need the additional time. I am coming to you for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
I checked my credit report and I noticed a collection for a company I didn't know. I call and spoke with a supervisor XXXX XXXX. Explain to her that the address I never lived there and I have been in the same residence for the past 3 years. I havent had a chance to see what is the collection is about.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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: CITIBANK, N.A.
State: OH

Complaint narrative:
I CONTRACTED with Home Depot through my Credit Card last XXXX digits of credit card XXXX XXXX see attached ) To REPLACE MY AC UNIT, INCLUDING ALL MATTERS OF INSTALLATION. 
Home Depot subcontracted XXXX from XXXX, Ohio to do the job. 
THEY DID NOT COMPLETE THE JOB. 
I waited 30 DAYS for Home Depot to get XXXX TO FINISH THE JOB T H E Y D I D N O T So, I hired XXXX XXXX TO COMPLETE THE JOB THEN ASKED HOME DEPOT TO CREDIT MY CREDIT CARD THE EXTRA {$560.00} It COST ME TO FINISH THE JOB I CONTRACTED HOME DEPOT TO DO COMPLETELY WHICH HOME DEPOT DID NOT COMPLETE AS CONTRACTED.

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 2021-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
Regions Mortgage has owed my escrow refund from XXXX for over a year now. They claim they sent out a check that i never received. I called the first time on XX/XX/XXXX to try to get them to reissue the check, which they claim they did and i again i never received. 

Then they claimed that the amount had probably been credited to my XXXX escrow refund which we have discussed multiple times and now know it hasn't based on the analysis of my escrow statements. They keep saying they are searching for the missing check and that they will get back to me. 

I have spoken to multiple representatives, multiple supervisors, escalated the issue, etc. 

It is infuriating to have to make more than 20 phone calls to try to get a reimbursement for money that i am owed, all the while to keep getting nowhere. 

Their level of customer service is a disgrace and an abuse to a consumer like myself. 

Please help me sorting out this issue!

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 2021-05-12 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: NJ

Complaint narrative:
On XX/XX/2020 I sent a letter regarding an accurate 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 2021-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Electric Solidus LLC
State: WA

Complaint narrative:
I transferred money into my swan bitcoin account but it was never used for Swan 's services ( purchase bitcoin ). I've decided I no not want to purchase bitcoin so I asked for my money back and was told that they can't. I don't believe the terms and conditions say a money transfer is irreversible. I asked that they mail me a check if an ACH transfer isn't possible and they declined.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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: NC

Complaint narrative:
I hope you can help me to remove these items from my credit because I can not progress in my life like buy a house, get car or even get a credit card. The way life is now credit is everything. On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. I hopes that I can get some assistance in reaching these credit bureaus. They are unlawfully reporting late and missed payments on my credit report during the pandemic. I wasn't able to work during those times when the payments were missed and they aren't giving any consideration and I have submitted my compliant over a month ago and still haven't gotten any results. I am the only one who is working in my family and i need to provide a good life to my parents and these fraudulent items will hurt me to provide as son. so please help me while I move forward with helping my family thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
CONTACTED COMPANY REGARDING OUTSTANDING ACCOUNT ON CONSUMER REPORT, SPOKE WITH AGENT REGARDING SETTLEMENT OF ACCOUNT, WAS ADVISED IN THE BEGINNING OF THE CONVERSATION THAT THE PHONE CALL WAS BEING RECORDED AND THAT THE ACCOUNT WAS OUT OF STATUTE AND THAT THEY WERE NOT LEGALLY ALLOWED TO SUE REGARDING THE DEBT SINCE IT IS OUT OF STATUTE. AS THE PHONE CALL PROCEEDED THE COLLECTOR WOULD NOT ALLOW ME TO SPEAK WAS CUTTING ME OFF AND WOULD NOT ALLOW ANY NEGOTATIONS AND WAS USING SCARE TACTICS MAKING STATEMENTS ABOUT HOW IF I DIDNT PAY THAT MY CREDIT WOULD CONTINUE TO BE EFFECTED AND THAT THE ONLY WAY FOR THEM TO REMOVE WAS TO PAY THE FULL AMOUNT THEY WERE REQUESTING ON AN OUT OF STATUTE DEBT. THEN THE COLLECTOR PROCEEDED TO TELL ME THAT I WAS LEGALLY REQUIRED TO PAY THE DEBT IN FULL AFTER I HAD OFFERED A REDUCED SETTLEMENT OFFER TO RESOLVE THE OUT OF STATUTE DEBT. I ASKED TO SPEAK TO A SUPERVISOR SINCE THE COLLECTOR STATING THAT I WAS LEGALLY OBLIGATED TO PAY WAS A VIOLATION OF THE FDCPA SINCE THE ACCOUNT WAS OUT OF STATUTE. WAS THEN TOLD THAT THEY DID NOT CARE AND THAT IF I DIDNT PAY IN FULL WHAT THEY WANTED THAT MY CREDIT WOULD BE AFFECTED AND THERE WAS NOTHING THAT THEY WERE GOING TO DO.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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 am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and the transactions I dispute was opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
Simple Bank transitioned to BBVA with months of reminders and weeks of customer preparation. I have not been able to speak with someone at BBVA to gain access to my account since transition day, Saturday XX/XX/2021. I have called multiple days and been left on hold for hours then hung up on. 

My debit card still works but I have no idea the amount left in my account nor the ability to speak with anyone to discuss anything at all. 

I want to close my account with them and transfer to a credit union but its day 5 and looking like I wont be able to until next week.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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: SC

Complaint narrative:
Good Day, This is my second time to report all three credit bureau XXXXs .I have disputed these items over many times already and they still remain. so I'm reaching out because I tried formally disputing inaccurate and incorrect information that was reporting on my personal credit file. I feel like I'm being taken advantage of and being ignored of my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION
State: OH

Complaint narrative:
BBVA has been warning for months about shutting down their Simple banking service and moving everyone to BBVA. On Saturday, this transition happened, and their system immediately broke. There is no way to fix it online, and calls to customer service involve being on hold for hours only to be hung up on. I can not access my money or my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Partners, LLC
State: NC

Complaint narrative:
I have tried numerous times to contact the collection agency RMP SERVICES LLC ( 2 collection accounts ) to verify the debt being reported on my credit file. I have been unable to speak with someone who has information on the account, their system does not recognize my pertinent information as a valid account. 


Contact RMP Services LLC XXXX XXXX XXXX XXXX XXXX, TXXXXX  ( XXXX ) XXXX Contact RMP Services LLC XXXX XXXX XXXX XXXX XXXX, TXXXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Winklevoss Exchange LLC
State: VA

Complaint narrative:
I am filing a complaint against the following crypto currency trading company : Gemini Trust Company , LLC XXXX XXXX XXXX, XXXX Floor XXXX XXXX NY XXXX e-mail : XXXX Phone : XXXX ( XXXX ) XXXX My complaint is that the company has frozen my trading account twice without explanation or justification. The first time was on XXXX XXXX  and it took 5 days to resolve. The most recent incident occurred on XXXX XX/XX/2021. It has not been resolved. Since my account is frozen, I am unable to access my account which is worth a significant sum of money. This means I can not buy or sell crypto currency when the price rises or falls. It also means I can not withdraw my money. This could easily be considered a case of theft since Gemini has deprived me of the use of my property. 

Numerous, daily e-mails have been sent to their customer support desk. No response has been received. Ive also contacted their customer support team on XXXX, but again no response has been received. Gemini does not list a phone number for customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: XOOM CORPORATION
State: PA

Complaint narrative:
A transaction to transfer {$200.00} to a recipient in XXXX was initiated by me on XX/XX/XXXX using my Xoom account. This money was to be deposited in the recipient 's bank account which I thought was a more secure process than a cash delivery The recipient didn't receive the money his bank account on XX/XX/XXXX as promised by Xoom based on the transaction fee that I was charged. I followed up by calling Xoom and was told the transaction has gone thru '. I also tried checking the transaction details online by signing into my account to make sure all the details were accurate. However, the recipient information was only partially available at this point. I could only see the name and the residential address but no bank details. 
I called again and also emailed Xoom cutomer service on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
Xoom continues to say the transaction has been completed but the recipients has not received the money till date. Xoom has failed to share the bank statement. Also everytime I call I have to start explaining the issue all over again. There are no notes added or collected when each call is made. Every call is over 45 minutes with NO RESOLUTION!! 

I would like to know what happened to {$200.00} and the fee I paid.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-12 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: CA

Complaint narrative:
On XXXX the XXXX, someone made 2 {$100.00} fraudulent credit card purchases with my account at gas stations that I have never been to. In fact, it was in cities I have never been to. Bank of America was quick to catch it and place it on hold. I was sent a new card and got refunded for the purchases. Today, almost 2 months later, B of A tells me that I am responsible for the charges because they think I made the purchases. I explained Ive never even been or heard of the locations that the purchases were made and I would like those charges removed. I was told they could not remove the charges.

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 2021-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: National Consumer Telecom & Utilities Exchange, Inc.
State: MD

Complaint narrative:
NCTUE : I spoke with. Representative over the phone because I was unable to verify my identity over the phone due to identity theft. I mailed everything I could in. I sent. Copy of my bank statement due to the fact that I do NOT have ANY utilities in my name and have not had any for quite some time. After a long wait. I received a mail response that they could NOT process my request. I need this report due to identity theft. Why am I being punished for someone using my identity?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FISERV FINXACT CORE
State: RI

Complaint narrative:
On XX/XX/2021 my banking account was compromised. The hacker had taken all of the money in our savings account and transferred it to our checking in hopes of being able to use it. Fortunately, I noticed the transaction on Sunday, XX/XX/XXXX. I called the bank immediately and they transferred my funds back to savings and put a hold on my accounts. The hacker had already tried placing an electronic transfer to the company called XXXX XXXX on XX/XX/XXXX but because it was the weekend, it didnt attempt to clear until Monday, XX/XX/XXXX. The transfer had been declined because I had XXXX XXXX put a hold on all of my accounts. Now I have a company called TRS services contacting me about a debt that I owe to XXXX XXXX. I will attach all three letters I have recieved. I dont have an account with XXXX XXXX and I tried to contact them and ask them to clarify that but they were no help. They dont even have a contact number to speak with someone over the phone. I really have no idea how the business works. I dont owe the company anything. My bank account was used by another person.

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