vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-01 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: NY

Complaint narrative:
On XX/XX/2021 I 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. II feel like I'm 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 promptly. I demand these accounts be deleted immediately or I will file for litigation 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 2021-07-01 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: TX

Complaint narrative:
My personal information was exposed in several data breaches, bank & credit was compromised, resulting in accounts being closed. All documents were sent via certified mail to the credit bureaus to request items be deleted from credit reports. As of yet, I have not received a response from documents dated XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP
State: MO

Complaint narrative:
I opened a savings account over the phone with US Bank last week, after we got off of the phone, I deposited {$120.00}, a day or two later, I realized that I had something that was going to be sent through my checking account, so I tried to transfer the money back into my account, I tried several times throughout the day but it kept saying transaction error, so I drove to the atm and tried to pull the money out so that I could deposit it into my checking account, again I got an error message. By this time it was after hours, so I called us bank the next day, I was told that a hold was put on my savings because they would be sending me a signature card to sign and once they received that, the hold would be lifted, I explained to her that I was not told that I had to physically sign anything or made aware that I would not be able to access my own money- I would never have transferred money into my savings if knew they were placing a hold on it, I was told that they would review the taped call and if I was not made aware of the hold, that my money would be refunded- so far as of today, there have been 6 overdrafts totaling {$210.00}, I have just had other automatic deductions come through today and have again overdrafted my account due to the original 6 overdrafts because of the hold on my account- I believe that I will be looking at an additional 4 - 6 overdraft fees. This would not have happened if I would have been made aware of the hold, I was not told during the set up of the savings and the bank has yet to fix this or produce the tape of me being told about the signature card or the hold that would occur- I have called the bank about this at least 5 times now and am desperate to get this fixed, its causing a snowball effect, by tomorrow Im sure this will have caused a total of 10 to 12 overdrafts at {$36.00} each.

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 2021-07-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
See letter from Attorney XXXX to Cooper. Mr. CooperXXXX purchased mortgage from XXXX XXXX. Mr. Cooper held {$14000.00} escrow account to pay property taxes and insurance. Paid property taxes late incurring penalty of $ XXXX ; prepaid property taxes not due- overdrawing escrow account by thousands of dollars ; started charging additional impound fees and interest and late payments instead of securing refund of overpaid amounts ; I paid all principal and interest due on mortgage on time ; cancelled escrow account according to California law that does not allow Cooper to collect impound accounts ; Cooper increased debt load, threatens foreclosure ; provided negative credit report to XXXX  ; refuses to allow my attorney to speak to legal department ; Cooper settled multi million foreclosure scam with XXXX  in XX/XX/2020 ; I can not refinance without paying illegal charges. Forces me to file lawsuit and incur additional costs or be subject to Cooper extortion. Cooper needs to be put out of business. their practices are illegal ; their staff is trained to lie ; they do not respond in a timely manner and there is no coordination between departments. Delays are excessive..this has been going on since XX/XX/2020 and no resolution is in site.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: NEW CITY FUNDING CORP.
State: MA

Complaint narrative:
I applied for consumer credit to purchase a vehicle at XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX I acquired the vehicle. I received a certified mailing on XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX which contained a Notice of Repossession and Sale of Merchandise, Rights of defaulting buyer under The Massachusetts Retail Installment Sales Contract. This said letter was addressed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ma XXXX. The letter advised that advised that I was in default under the contract listed above, and due to that default, New City Funding Corp has repossessed the vehicle and will sell it by auction on or after XX/XX/XXXX. 
The letter also included other information such as stated ; a. Name on Account : XXXX XXXX XXXX b. Collateral : XXXX XXXX XXXX XXXX # XXXX XXXX Account # XXXX d. Past Due Payments on your Loan : {$700.00} XXXX Accrued Late Charges : {$10.00} XXXX XXXX Fees : {$370.00} g. Total Amount Due to Redeem : {$1000.00} h. Total Loan Balance Due : {$5700.00} I responded by certified mailing Tracking # : XXXX which was an Affidavit delivered and signed by them XX/XX/XXXX with a demand for property as well as a conditional acceptance of the alleged debt upon validation and proof they were the original creditors and to proof it with records. I never received a response. I sent again a XX/XX/XXXX certified mailing # # : XXXX received by New City Funding and signed for on XX/XX/XXXX advising they had not responded to my affidavit and demand, nor had they returned any of my property and were now in default. I still received no response. I again sent a default and opportunity to cure on XX/XX/XXXX since we had been in COVID and a lot of business were closed. This certified mailing # XXXX was XX/XX/XXXX and was signed for on XX/XX/XXXX and they have since sold the vehicle, and claim I owe the rest which has affected my ability to obtain credit. Then they have reported payments to keep the activity date recent, still report I owe an alleged debt, have never given me credit for which I originally applied as well as charged fees for return, repossessed vehicle without an opportunity to cure or rectify. They have robbed me of my property, my credit, and my ability to obtain additional credit, my time and value.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
wells fargo placed me on a loan modification program and at the end of the 6 month trial after I made all payments and on time, they marked the credit report as 120 days. I need wells fargo to make this correction

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 2021-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
These accounts were opened around the same time, back in the early XXXX 's, and it's well over the 7+yrs. statue to be on my credit report. I disputed the charges because my wallet was stolen and I called them with the police report number and everything. They were supposed to be checking the atm tapes and following back up with me. They never contacted me back, so I never followed up, thinking everything was squared away. 
I found out years later after the fact that they are ruining my credit reports with this.. They KEPT repeatedly putting it back on my credit report after it fell off, making it look like this is a recent account, and it is NOT at All. And because of the old practices of debt collectors back in the XXXX 's, they would ruin your credit by repeatedly putting the SAME DEBT back on your credit report ( sell it to another debt collector for them to start harassing you now. ) after it was supposed to fall off and be done. 
I'm tired of them ruining my credit and running my credit score down, because now I can't get certain loans or credit because of them. I know it's illegal what they keep doing to me, but for some reason they keep letting them get away with this, and I say No More.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX XXXX called us about two debit card transactions in the amount of {$820.00} and {$620.00} that we did not authorize. We called Bank of America about this fraud transactions. Afterwards, there were 3 ACH transactions from XXXX XXXX in the amount of {$970.00} each were withdrawn from our BOA checking account. We had to freeze our bank account to prevent further withdrawal of money. Weve been getting in touch with XXXX XXXX about this fraud and they sent us an email showing that the debit card transactions were declined. But the money was withdrawn from our bank account. BOA were able to prevent the ACH transactions from going through, but they refused to return the {$820.00} and {$620.00} debit card transactions to our bank account. We did not authorize this transaction. It was a fraudulent transaction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-01 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: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
per complaint # XXXX, American Express has stated they have issued a credit of {$530.00}. This is incorrect. American Express only issued a credit of {$310.00} to our account and then refilled us for it in the next billing cycle. 

To begin, I filed complaint # XXXX with the CFPB and a similar complaint with the Attourney General of Texas. 

In response to the complaint filed with the CFPB, American Express stated they have credited my account in the amount of {$530.00}. I then received a letter from American Express on XXXX XXXX stating the following : " ... we have issued a permanent credit for the amount of {$310.00} ... that will appear on ( our ) upcoming statement '' They failed to credit the full {$530.00}. 

HERE 'S MORE FRAUD, on XX/XX/2021 I received a letter from American Express stating " We received notification that the charge ( of {$310.00} ) no longer concerns you. Since you no longer dispute the charge we have removed the previously issued credit ( s ) and rebelled your account for {$310.00} ... '' I NEVER GAVE ANY CORRESPONDENCE INDICATING THIS.

American Express is NOT refunding me the two charges per complaint XXXX. They responded to the CFPB that they have credited my the full amounts of {$310.00} and {$220.00} for a total of {$530.00}. 

THEY LIED. 

I am being defrauded. I have called over a dozen times and American Express will not resolve the issue. 

THEY LIED TO ME, MY WIFE AND THE CFPB. 

I believe this to be INTENTIONAL and PERVASIVE practices that DEFRAUDING CUSTOMERS AND CAUSING HARM. 

I would wager a bet that these are both criminal and civil in nature. I would also have a VERY strong inclination to believe that this could be large enough to constitute a class action lawsuit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-01 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: I.C. System, Inc.
State: NY

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
These accounts were opened around the same time, back in the early XXXX 's, and it's well over the XXXX. statue to be on my credit report. I disputed the charges because my wallet was stolen and I called them with the police report number and everything. They were supposed to be checking the atm tapes and following back up with me. They never contacted me back, so I never followed up, thinking everything was squared away. 
I found out years later after the fact that they are ruining my credit reports with this.. They KEPT repeatedly putting it back on my credit report after it fell off, making it look like this is a recent account, and it is NOT at All. And because of the old practices of debt collectors back in the XXXX  's, they would ruin your credit by repeatedly putting the SAME DEBT back on your credit report ( sell it to another debt collector for them to start harassing you now. ) after it was supposed to fall off and be done.

I'm tired of them ruining my credit and running my credit score down, because now I can't get certain loans or credit because of them. I know it's illegal what they keep doing to me, but for some reason they keep letting them get away with this, and I say No More.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I wrote a check on XX/XX/21 XXXX  XXXX XXXX to XXXX XXXX and placed it in a US Mailbox. The check was mailed from XXXX XXXX, FL and addressed to the XXXX XXXX office in XXXX XXXX, NY. The check was altered and presented to a XXXX XXXX XXXX branch and was negotiated there. I immediately notified Chase, and they told me that it would take 30 days to get my money back. I placed numerous calls to Chase, and was informed that they contacted XXXX  XXXX XXXX on XX/XX/21 and they are still waiting for a response from that bank. Each time that I call Chase, I receive a different version of what may/will happen. Chase has told me now that it would take 60-90 days for them to finish the investigation, and today also informed me that I would probably not receive my money back. I am appalled at the lack of transparency, and concern from the beginning of this situation. I have received not one scintilla of communication from Chase after I immediately filed the attached paperwork with them. I am appalled at the fact that no one has reached out to me regarding this matter. Maybe I could be of further assistance, or maybe that would actually CARE that I am out {$10000.00}. I used a check which was provided by Chase, which did not have any warning that I would be responsible for any fraudulent activity, nor did Chase follow up with the last communication from XXXX  XXXX XXXX on XX/XX/21. I previously banked at XXXX XXXX, and was of victim of fraud there, and that is why I left to go to JP Morgan Chase, and was assured that the levels of security at Chase would be much better. Ironically, XXXX XXXX, refunded my money in 2 weeks time. On top of all of this, the customer service at JP Morgan Chase is abysmal, as I am on hold for an average of 20-30 minutes, and usually have to call back because the call is always disconnected. Since JP Morgan Chase has no interest in the fact that I have been without {$10000.00}, I have contacted XXXX XXXX, ( the initial payee of the check before it was changed ), who coincidentally is owned by XXXX  XXXX XXXX XXXX where the fraudulent check was cashed ), hoping that they could be of some assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ).

Over thirty days ago, I wrote to each credit reporting agency ( XXXX, Equifax, & XXXX  ) indicating my dispute off information on my credit report on XX/XX/XXXX. A copy of the original letter accompanies this correspondence. as of today XX/XX/XXXX XXXX, Equifax, & XXXX  have not responded to my dispute and therefore they must remove from my credit file all information disputed in correspondence. under the FAIR CREDIT REPORTING ACT, XXXX, Equifax , & XXXX  had 30 days to complete their reinvestigations of disputed information. This 30 day mark has come and gone without any response from XXXX, Equifax, & XXXX. I am asking for the CFPB 'S assistance in the verification of the removal of the disputed data from my credit report. please send to my address provided at no cost to mean updated credit report at no cost to me as proof that these items have been removed completely.

Company response to consumer: Closed with explanation