vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-30 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: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 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 — Overcharged for something you did purchase with the card
Company: GOLDMAN SACHS BANK USA
State: MD

Complaint narrative:
Signed up with XXXX XXXX  for a 50 % offer around XX/XX/XXXX2021. Price should have been {$29.00} but they charged me full price of {$59.00}. I disputed with XXXX  and they refused to help on email on XX/XX/XXXX21. I disputed the charge on my Apple Card which is handled by XXXX XXXX. They declined me on 4 separate occasions even though I have screen prints of the offer and provided to them on 3 separate occasions and I can provide to you if needed. 
Called in today XXXX/XXXX/21 at XXXXAM after being declined again and talked to a XXXX who refused to give last name and refused to close my account saying it must have a XXXX balance. Then requested to speak to a manager and XXXX gets on phone and also refuses to give a last name and finally agreed to close the account. 
I care about my credit score and I take it seriously. However, I refuse to pay {$30.00} for something I didnt agree to. In addition I have not used XXXX because I have been speeding the charges since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 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: SC

Complaint narrative:
I have sent in multiple documents to report fraudelent inquiries refuse to remove say they didnt receive documents last documents received 90 days ago but I have confirmation via fax and certified mail they have documents

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 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: TOYOTA MOTOR CREDIT CORPORATION
State: IL

Complaint narrative:
I have inquiries on my report from XXXX XX/XX/2021 & XX/XX/2021 ( XXXX ), Toyota Motor Credit XX/XX/2021 ( XXXX & XXXX ), XXXX XXXX XXXX XX/XX/2021 ( XXXX & XXXX ), XXXX XXXX XX/XX/2021 ( XXXX ) , XXXX XXXX XXXX XX/XX/2021 ( XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/2021 ( XXXX ) , XXXX XXXX XX/XX/2021 ( XXXX ) and XXXX XXXX XX/XX/2021 ( XXXX ) all which I disputed because I didn't apply for those companies. I have even sent in letter for possible identity theft which all companies haven't responded to or said they would remove immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 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: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I have inquiries on my report from XXXX XX/XX/2021 & XX/XX/2021 ( XXXX ), XXXX XXXX XXXX XX/XX/2021 ( XXXX & XXXX ), XXXX XXXX XXXX XX/XX/2021 ( XXXX & XXXX ), XXXX XXXX XX/XX/2021 XXXX XXXX ) , XXXX XXXX XXXX XX/XX/2021 ( XXXX ) , BMO Harris Bank N.A XX/XX/2021 ( XXXX ) , XXXX XXXX XX/XX/2021 ( XXXX ) and XXXX XXXX XX/XX/2021 ( XXXX ) all which I disputed because I didn't apply for those companies. I have even sent in letter for possible identity theft which all companies haven't responded to or said they would remove 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 2021-09-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: PA

Complaint narrative:
In XXXX XXXX XXXX, Caine & Weiner attempted to communicate via mail with me over an alleged debt. Through no fault of my own, the letter they sent changed several hands before it reached me at an inconvenient time, violating my privacy rights as a consumer. Within this letter, Caine & Weiner not only claimed that I owed such alleged debt, but that they would also illegally report and freely give my information to multiple credit reporting bureaus if I did not pay them. I reached out to them requesting validation of the alleged debt, but instead they responded with the information of where they in fact purchased the alleged debt from.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XXXX I received a call from client who had retirement check drawn on Bank of America were I banked at I asked teller what was the best way to transact where funds would not be placed on hold. She gave us procedure and we followed it. On XXXX both myself and the client went to BofA. She cashed, then deposite funds in his account then moved {$10000.00} to my account. On XXXX we both woke to a XXXX in your accounts. Called the bank they indicated account was closed because of risk factors. On XXXX client informed me that BofA allowed him to pick up funds at a local branch. I called on XXXX and made same request. BofA indicated that my account would be closed on XXXX and I may be able to pick up funds on XXXX I called account closure extended to, I called on XXXX, closure extended to XXXX, they finally indicated they were waiting on a client XXXX XXXX to respond to investigation. He did got another closure date, then another, then another approximately 6 different dates. On XXXX they indicated account was closing again and call in XXXX to make sure check was cut and mailed. I called and they said it has now been extended to XX/XX/XXXX. This is unexceptable and they are holding over {$100000.00} and have almost put me out of business. Could you please help them to release my money. They never give any reason for the holdbexcept according to your terms we can. There is no reason for the hold. Please help.

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 2021-09-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Chase Bank closed all of my credit cards without explanation. I am not sure why they would have done so. I have an XXXX credit score which is now likely going to take a major hit. I was provided with zero information from chase over the phone or the branch representative. I was told it was a " business decision ''. I would like to know why this was done, why there was no warning to discontinue whatever may have been that bothered them, whether this is a lifetime ban from using their services? I am a respectable nice guy, a real estate attorney with a high income. I carry no debt on my accounts. I would appreciate an answer as to why this was done and what if anything can be done to reverse this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 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: OH

Complaint narrative:
On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 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: PROSPERITY BANCSHARES, INC.
State: VA

Complaint narrative:
I'm am in the XXXX, so I work rotating shifts. I stopped at a XXXX ATM to withdraw {$160.00}. The ATM did not dispense the funds. Minutes later I tried a XXXX XXXX ATM and was successful. I called my bank ( XXXX  XXXX credit union ) and file a dispute which they credited my account temporarily. A month later, the bank took the funds back and stated that the ATM company ( owned by Prosperity bank ) sent a transaction log showing a successful withdrawal. I called the ATM company at XXXX to gather more information. They stated the same thing, transaction log show successful withdrawal. I filed a complaint with the FTC as well. What else can I do? I feel like I was legally robbed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 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: NY

Complaint narrative:
i am so furious i checked my credit report and someone opened 3 auto loans and its reporting on my credit report i didnt authourize this please help me to get these accounts 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 2021-09-30 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: NY

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Reliant Capital Solutions, LLC
State: PA

Complaint narrative:
Reliant Capital called me today to inform me of a debt they have had on me since XX/XX/2021. They did not send me any written notice about the matter. When they called me today the collector was trying to persuade me to pay the debt off in full and telling me I hade to pay it right away. The debt in question was actually covered by a scholarship and all the requirements of the scholarship were met. When I told her that she started to precede to say I had to pay them right away and they would start more aggressive debt collecting tactics. I believe she realized when the debt was covered by the scholarship they would not get any money so was forceful with trying to collect it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CMI Group, Inc.
State: TX

Complaint narrative:
I have been disputing this account for some time now with CREDIT MANAGEMENT. I sent an initial dispute letter asking for verification of this account because I am not familiar with this account and they have not responded. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. My letter was delivered on XX/XX/XXXX, and here is the tracking number XXXX XXXX  XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-30 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.

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 2021-09-30 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: NY

Complaint narrative:
i am so furious i checked my credit report and someone opened 3 auto loans and its reporting on my credit report i didnt authourize this please help me to get these accounts removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 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: NY

Complaint narrative:
i am so furious i checked my credit report and someone opened 3 auto loans and its reporting on my credit report i didnt authourize this please help me to get these accounts 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 non-monetary relief
Consumer complaint received 2021-09-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: PA

Complaint narrative:
I am writing you to officially lodge a complaint against our mortgage company. We went into forbearance on XX/XX/XXXX. We came out of forbearance on XX/XX/XXXX. We made a payment for XX/XX/XXXX unaware that we didn't have to start paying for two ( 2 ) more months. Clearly at the start, the payment we made for XX/XX/XXXX, was applied to that XX/XX/XXXX, and subsequently Freedom Mortgage sent us two ( 2 ) documents stating we had to make our next payment in XX/XX/XXXX and NOT XX/XX/XXXX. One of those documents we had to sign, notarize, and overnight back to Freedom Mortgage, which we did ( documents attached. ) We started paying XX/XX/XXXX, as Freedom Mortgage instructed, and on time every month since then. However, the XX/XX/XXXX payment we made was, according to a representative we talked to, applied to XX/XX/XXXX instead of XX/XX/XXXX when we made the payment. By doing that our account shows as if we are one ( 1 ) month past due. We have contacted Freedom Mortgage ad nauseam about the incorrect application of our XX/XX/XXXX payment. We have tried to have this corrected over the phone many times only to be told three ( 3 ) of those times, " Oh yes, I don't know why that hasn't been corrected. '' We have sent a letter explaining this mistake by XXXX Overnight to have proof of their receipt of the letter. We received no reply. 


I emailed their Loss Mitigation department Monday XX/XX/XXXX, and I called Freedom Mortgage Monday XX/XX/XXXX to see if my email to Loss Mitigation had any results. The woman I spoke to said she could see in our file that it is being worked on, and she said there was a note in our file not to charge us a late fee, indefinitely. To us, this says that they see there is an issue. That is why we are turning to you for help. This has now shown up on our credit reports. We challenged it with the credit bureau, and the late payment was removed, but we do not want this to continue to happen. We feel they made a mistake, and have no idea how to fix it, and that is why it has been five ( 5 ) months now.

ALL our payments prior to Forbearance were on time, and they have all been on time since being out of Forbearance.

We look forward to a speedy resolution to this ongoing misapplication of funds. Please find the attached documents to which I earlier referred. Should you need any other documents, please let us know. Thank you.

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 2021-09-30 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: FL

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My name is XXXX XXXX and I sent EXPERIAN documentation for fixing a error on my credit report several times ... They still didnt fix the errors on my credit report ... .I sent XXXX balance letters from the 2 companies ... XXXX XXXX and XXXX  XXXX... and they still wont remove the balances that they have on my credit report ... .Experians errors caused my credit score to go down ... .I 'm trying to maintain and build my credit up... .Please help me... .thank you

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 2021-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
I was in the modification process for three years with PHH, they shared back in XX/XX/2021 that I'm elgible for XXXX if I were to move. Since PHH was unwilling to modify the loan and gave me the option to receive {$10000.00} to move, I sold the home. I have not received the XXXX as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I have been disputing this account for some time now with TRANSWORLD SYSTEMS. I sent an initial dispute letter asking for verification of this account because I am not familiar with this account and they have not responded. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. My letter was delivered on XX/XX/XXXX, and here is the tracking number XXXX XXXX  XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX i created coinbase account, deposited money from bank account, and couple days later they just restricted my account and disabled withdrawals. Since then zero help from their support, to this day i can't withdraw my funds

Company response to consumer: Closed with explanation