vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-13 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: NJ

Complaint narrative:
On XX/XX/2021, I sent letters and proof to the company to let them know that the bankruptcy on my credit report needed to be removed following the evidence and also after being told by the clerks office that they do not report bankruptcy 's to the credit bureaus. I have submitted 2 letters exactly as the federal trade commission has advised me and yet I am still not able to get the accounts as per law. I demand that the bankruptcy be removed as I have provided all evidence required by law to remove said item. Respectfully Submitted - XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: American Financial Network Inc.
State: VA

Complaint narrative:
After purchasing a home with a VA loan my wife and I have received a number of refinance letters from American Financial Network Inc. We have never had any business dealing with American Financial Network Inc. and do not desire to. My wife and I both completed the opt out process at XXXX, as provided by the Fair Credit Reporting Act, on XXXX XX/XX/2021. American Financial Network Inc. has ignored our opt out and continued sending refinance letters. After giving adequate time for any letters already in the mail to be delivered we directly contacted them on XXXX XX/XX/2021 at XXXX XXXX. They agreed to stop sending letters. However my wife and I have continued to receive letters from XXXX, with the latest received today ( XXXX XX/XX/2021 ). Furthermore American Financial Network Inc. sends its letters in the format used almost exclusively by DFAS ( the military pay office ). They are deliberately copying this format to attempt to deceive veterans that their correspondence is linked to DFAS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I has been tried my patience to solve the issue which is the Santander bank used my {$370.00} installment monthly payment only applied for the interest for the past 4 months, non of it went to pay for the principle. I went to the bank and spoke to Rep. a few times, and also made phone calls including today, but the issue has not been handled at all. 

According to the monthly statement, about XXXX of the {$370.00} supposed to pay for the principle, but the bank used the whole {$370.00} only for the interest!!!!!!!!!!!!

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 2021-07-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America repeatedly lied to me causing extreme XXXX  and complications with my health. Loan # XXXX. The original loan was apprx. XXXX K we paid XXXX K and they now want over {$110.00} XXXX they did not allow me to modify. I have an attachment

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 2021-07-13 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.

Complaint narrative:
XX/XX/XXXX collection was added to my account by XXXX for XXXX. I have had the same thing happen before for same amount and it was reversed, as XXXX when I contacted them said they dont know that company and I showed a screenshot of that one email to TU and they fixed my credit score XX/XX/XXXX I noticed it on my XXXX XXXX I made a fraud report and reported to TU and it was denied ( said the information was accurate on my report ) XX/XX/XXXX I never saw the email or anything and needed to wait to re-report it and I did and again it was denied when I showed them the email again and how last time it was reversed but still they said it was accurate.

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 2021-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase Bank drafted my checking account on incorrect date which was set by XXXX app. It was set to draft on Wednesday XX/XX/2021 because that is my pay day ( weekly direct deposit from employer ) but it drafted on Tuesday XX/XX/2021 putting my account into negative {$290.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
Requested validation of debt several times for the company and they still have NOT provided it. Third time filing a complaint and nothing is being done. FCRA rules are not being followed. They sent me a generic copy of a bill. I asked for something showing my full name, full social security number, full date of birth, and original signature. I did not say anything about fraud. I asked to validate that the debt belongs to me. I have once again included a copy of my original validation request letter and certified mail receipt as well as the last letter sent to me from the company that still doesn't validate the debt in question. If the debt still isn't validated this time, I am well within my rights to contact an attorney. Everything is documented not only by mail but also by these complaints with the CFPB and the complaint with the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 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: NJ

Complaint narrative:
Bank of America is illegally refusing to release any funds from my deceased mother 's checking account, even after presented with all the necessary paperwork including an L8 form. They claim it's because she received a {$2500.00} direct deposit from Social Security that may have to be repaid and can not release a partial distribution from her account. Our attorney advises that is illegal. Please investigate Bank of America 's fraudulent business practices and require them to release the illegally held funds to us.

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 2021-07-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
A hard hit was added to my credit for capitol one on on XX/XX/2021. I've called capitol one and was given a customer reference number XXXX to submit to reference that I've reported that the inquiry was not authorized by myself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-13 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: FL

Complaint narrative:
Multiple names have been used to open accounts on my credit profile fraudulently.

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 2021-07-13 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: FL

Complaint narrative:
Multiple names have been used to open accounts on my credit profile fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 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: MO

Complaint narrative:
I requested a copy of my credit report and noticed I had inaccurate items reporting. I created a letter to request the validity of the accounts. I mailed letters on XX/XX/21 without a response. I really would like help in this matter. The misleading information is causing me financial stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 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: NY

Complaint narrative:
The Statute of limitations to collect the debt based upon FTC Law and Federal Truth In Credit Reporting Act has expired for XXXX XXXX XXXX and XXXX XXXX Bank has expired as when the last payment was made on each accounts. In addition, the original XXXX XXXX XXXX original contract was void/and or null as terminated. Do not owed any money and continue to illegally report as late and past due as a negligence with failure of due diligence law. XXXX XXXX Bank offered a additional settlement offered as a compensation which they have also failed to honor under a legally bonded class action. Continue to report incorrect information. The six years requirement is met.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital one Bank approve me for an unsecured credit card and want me to pay in advance {$200.00} dollars. I paid {$200.00} dollars and received the card by mail. After two years I closed the account with XXXX  balances. The bank sent me a bill of {$200.00} dollars to pay again. I dispute the wrong charge of {$200.00} but Capital one bank reported to the consumer reporting agencies and destroys my credit history. I am still reporting or disputing this wrong charge to consumer reporting agencies. 
Banks don't approve unsecured credit cards unless the consumers pay in advance the approved amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
Transunion and XXXX  have allowed XXXX XXXX XXXX to report inaccurate information. It has been brought to their attention but they continue to ignore this concern. The law requires information to be accurate and timely on credit reports and if it is not it must be removed. Even after their investigation, it does not match what the creditor claims. I had to start legal action in an effort to resolve this concern.

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 2021-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Corp Solutions Inc.
State: NJ

Complaint narrative:
I have debt on a XXXX XXXX  credit account. It has gone to collections, and I have been paying the debt to XXXX XXXX XXXX, XXXX since XXXX, 2020. Another collection agency, Credit Corp Solutions has contacted me sporadically over the past year to try to collect the same debt. I have tried to contact them but they never answer or return messages or emails. Now, Credit Corp Solutions has hired an attorney ( XXXX XXXX XXXX , XXXX ) to sue me over this debt. The law firm has not returned my call either. I have record of trying to contact them both. Credit Corp Solutions also didnt start to send me letters until after I started the pay plan with XXXX XXXX XXXX, XXXX. Attached files show the collector I am paying, and the LAST contact from Credit Corp Solutions and the date of that, as well as their attorneys letter and the date

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: NAVY FEDERAL CREDIT UNION
State: AK

Complaint narrative:
Good afternoon, I am not sure if this is a complaint -- however, I can't seem to resolve it with either bank/credit union. I was seeking information on a possible duplicate deposit of a check that I had deposited XX/XX/XXXX ( dated XX/XX/XXXX ). The deposit was rejected this week by Navy Federal Credit Union. When I contacted Navy Federal, I was advised that Federal Reserve indicated that XXXX XXXX said this check was deposited into a XXXX XXXX account XX/XX/XXXX. I don't have a XXXX  account and I did not show an amount matching this amount deposited into my accounts. I was told to contact XXXX XXXX and find out more information on the history of this check since it was their instrument. When I called XXXX XXXX I wasn't able to get any information and referred back to Navy Federal. I wasn't ever connected with a XXXX XXXX supervisor and I was placed on hold for a long while. I want more information on the check to confirm it is not fraud and that I did in fact deposit or cash this check.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Original issue : On XX/XX/2021, I received notification from XXXX that a collections account was added to my report called XXXX XXXX XXXX XXXX. My score decreased by 88 pts due to this. I contacted the collection agency and they basically gave me information that was incorrect. Also, dates of a payday loan I never had or heard of as well as a debt before I was even XXXX  years of age. Also, I heard loud rap music in the background. Would not give me any information as to his name, Manager, CEO information. He also stated that he was the CEO and that information was irrelevant then proceeded to hang up in my face. Phone Number I called was XXXX. 

Current issue : Called me threatening to sue me if I didnt respond to them within 24 hours. I have voicemail. I called back and they stated they will be suing me if I didnt pay the XXXX and something odd dollars. Will be filing police report in the morning. They have threaten to speak with my employer to try and garnish my wages.

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 2021-07-13 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: MO

Complaint narrative:
I requested a copy of my credit report and noticed I had inaccurate items reporting. I created a letter to request the validity of the accounts. I mailed letters on XX/XX/21 without a response. I really would like help in this matter. The misleading information is causing me financial stress.

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 2021-07-13 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: FL

Complaint narrative:
Multiple names have been used to open accounts on my credit profile fraudulently.

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 2021-07-13 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 THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 33 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND 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 GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 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: NY

Complaint narrative:
The Statute of limitations to collect the debt based upon FTC Law and Federal Truth In Credit Reporting Act has expired for XXXX XXXX XXXX and Wells Fargo Bank has expired as when the last payment was made on each accounts. In addition, the original XXXX XXXX XXXX original contract was void/and or null as terminated. Do not owed any money and continue to illegally report as late and past due as a negligence with failure of due diligence law. Wells Fargo Bank offered a additional settlement offered as a compensation which they have also failed to honor under a legally bonded class action. Continue to report incorrect information. The six years requirement is met.

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 2021-07-13 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The Statute of limitations to collect the debt based upon FTC Law and Federal Truth In Credit Reporting Act has expired for XXXX XXXX XXXX and XXXX XXXX XXXX  has expired as when the last payment was made on each accounts. In addition, the original XXXX XXXX XXXX original contract was void/and or null as terminated. Do not owed any money and continue to illegally report as late and past due as a negligence with failure of due diligence law. XXXX XXXX XXXX  offered a additional settlement offered as a compensation which they have also failed to honor under a legally bonded class action. Continue to report incorrect information. The six years requirement is met.

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 2021-07-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
On XX/XX/2021, I sent letters and proof to the company to let them know that the bankruptcy on my credit report needed to be removed following the evidence and also after being told by the clerks office that they do not report bankruptcy 's to the credit bureaus. I have submitted 2 letters exactly as the federal trade commission has advised me and yet I am still not able to get the accounts as per law. I demand that the bankruptcy be removed as I have provided all evidence required by law to remove said item. Respectfully Submitted - 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 2021-07-13 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
On XX/XX/2021, I sent letters and proof to the company to let them know that the bankruptcy on my credit report needed to be removed following the evidence and also after being told by the clerks office that they do not report bankruptcy 's to the credit bureaus. I have submitted 2 letters exactly as the federal trade commission has advised me and yet I am still not able to get the accounts as per law. I demand that the bankruptcy be removed as I have provided all evidence required by law to remove said item. Respectfully Submitted - 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