vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America processed my monthly mortgage payment twice on XX/XX/2020 which resulted in duplicate payments. On XX/XX/2020 XXXX payments each {$3900.00} USD were deducted from my checking account. I have raised a ticket immediately, infact I raised 3 tickets and called them 6 times but no action has been taken yet. It's been more than 15 days since I filed the first ticket.

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 2020-09-15 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: PA

Complaint narrative:
This is me as consumer that is frustrated sending in my info such as my driver license and utility bill into credit bureaus, creditors and collections companies asking for documents that proved that these are my account but no response Are they update status staying it is verified with no proof to me. 
.On the date of XX/XX/2020 I sent out certified letter with return receipt to Equifax Information Services LLC at address of XXXX. XXXX XXXX XXXX GA XXXX didn't get the return receipt and they did response but didn't give me proof.I also sent a certified letter to XXXX  on XX/XX/2020 with return receipt no return receipt no response. 
I also sent out certified letter with return receipt toXXXX on XX/XX/2020 at XXXX. XXXX XXXX XXXX TX XXXX. Didn't get the return receipt or any response. 
I was inquiring to all 3 Bureaus about the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) that they are required by federal law to verify through the physical verfication of the original signed consumer contract.Under the FCRA, unverified accounts must be removed and if the credit bureaus are not able to verified proof, they must remove the accounts listed below : 1 ) XXXX  : is still on my credit report with Equifax deleted off the other two bureaus 2 ) XXXX  ( 2 accounts ) : are still on my credit report should be deleted 3 ) XXXX  XXXX  XXXX : was deleted 4 ) XXXX XXXX XXXX : still on my credit report should bedeleted 5 ) XXXX  XXXX  XXXX  : still on my credit report should be deleted 6 ) XXXX  XXXX  : still on my credit report should be deleted. None of the creditbureaus or creditors/collections have sent me proof of what was ask for in the letters that was sent. 
. So, by law these item should be deleted if no proof was given.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 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: EQUIFAX, INC.
State: TN

Complaint narrative:
PROBLEM : Since XX/XX/XXXX I have been trying to get XXXX to correct my credit reporting for the BIG 4 including XXXX, Equifax and XXXX as promised. 

I was told once my modification was completed all of my negative reporting would be cleared up as ok. I started the process in XX/XX/XXXX and it finally concluded on XX/XX/XXXX with the modification. Immediately, XXXX disbands the division, the employees disappear and my loan is transferred to XXXX XXXX. 

XXXX was practicing the same hanky-panky which got them fined for {$28.00} XXXX by the CFPB ( XXXX ) in XXXX. Starting in XXXX XXXX would start the process, inform me not to make payments, asked for documents and would tell me my credit reports would be cleared for non-payments and changed to OK status. I was told throughout the process my credit reports were going to be corrected to show in good standing for every month throughout the process because I was doing everything on my part to get the modification done. 

The process would begin or restart and stop by XXXX after changing agents and using the excuse they had no paperwork, did not receive paperwork or needed other paperwork as I went through XXXX XXXX ( XXXX ), unknown worker ( XXXX ), XXXX XXXX ( XX/XX/XXXX XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX XX/XX/XXXX ) and XXXX XXXX ( XX/XX/XXXX XX/XX/XXXX ). 

CREDIT REPORTING : For XXXX I show over 30 days late for ( XXXX ) XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and ( XXXX ) XXXX. Also, I am over 60 days late for ( XXXX ) XXXX, XXXX and XXXX. Finally, for ( XXXX ) I am over 90 days late for XXXX, XXXX and XXXX and over 120 days late ( XXXX ) XXXX, XXXX, XXXX and XXXX. In addition, despite making payments to XXXX XXXX for {$1300.00} on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX and {$1300.00} on XX/XX/XXXX ( see XXXX   XXXX  Statements for payments ), XXXX shows my account being past due on XX/XX/XXXX for over 120 days late for {$16000.00}. 

In my conversations with XXXX, despite knowing payments were made on time starting in XX/XX/XXXX, they will not correct the XX/XX/XXXX negative report. Finally, XXXX has had a history of this behavior with their customers. 

OTHER EVIDENCE : 1. XXXX XXXX Statements from XX/XX/XXXX XX/XX/XXXX showing on time payments to XXXX. XXXX. Emails with XXXX 3. Emails with XXXX showing XXXX was unresponsive for SIX months from XX/XX/XXXX to XX/XX/XXXX getting XXXX the necessary information to complete the modification. This same lack of responsiveness was also why my information was never changed on my credit reports as I was told it was after the completion of the modification. 4. Credit reporting from XXXX & XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
PROBLEM : Since XX/XX/XXXX I have been trying to get XXXX to correct my credit reporting for the BIG 4 including XXXX, XXXX  and Experion as promised.

I was told once my modification was completed all of my negative reporting would be cleared up as ok. I started the process in XX/XX/XXXX and it finally concluded on XX/XX/XXXX with the modification. Immediately, XXXX disbands the division, the employees disappear and my loan is transferred to XXXX XXXX. 

XXXX was practicing the same hanky-panky which got them fined for {$28.00} XXXX by the CFPB ( XXXX ) in XXXX. Starting in XXXX XXXX would start the process, inform me not to make payments, asked for documents and would tell me my credit reports would be cleared for non-payments and changed to OK status. I was told throughout the process my credit reports were going to be corrected to show in good standing for every month throughout the process because I was doing everything on my part to get the modification done. 

The process would begin or restart and stop by XXXX after changing agents and using the excuse they had no paperwork, did not receive paperwork or needed other paperwork as I went through XXXX XXXX ( XXXX ), unknown worker ( XXXX ), XXXX XXXX ( XX/XX/XXXX XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX XX/XX/XXXX ) and XXXX XXXX ( XX/XX/XXXX XX/XX/XXXX ). 

CREDIT REPORTING : For XXXX I show over 30 days late for ( XXXX ) XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and ( XXXX ) XXXX. Also, I am over 60 days late for ( XXXX ) XXXX, XXXX and XXXX. Finally, for ( XXXX ) I am over 90 days late for XXXX, XXXX and XXXX and over 120 days late ( XXXX ) XXXX, XXXX, XXXX and XXXX. In addition, despite making payments to XXXX XXXX for {$1300.00} on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX and {$1300.00} on XX/XX/XXXX ( see XXXX   XXXX  Statements for payments ), XXXX shows my account being past due on XX/XX/XXXX for over 120 days late for {$16000.00}. 

In my conversations with XXXX, despite knowing payments were made on time starting in XX/XX/XXXX, they will not correct the XX/XX/XXXX negative report. Finally, XXXX has had a history of this behavior with their customers. 

OTHER EVIDENCE : 1. XXXX XXXX Statements from XX/XX/XXXX XX/XX/XXXX showing on time payments to XXXX. 2.  Emails with XXXX  3. Emails with XXXX showing XXXX was unresponsive for SIX months from XX/XX/XXXX to XX/XX/XXXX getting XXXX the necessary information to complete the modification. This same lack of responsiveness was also why my information was never changed on my credit reports as I was told it was after the completion of the modification. 4. Credit reporting from XXXX & XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I did a product change from Chase Freedom to Chase Sapphire Reserve on XX/XX/XXXX. The representative I talked to told me specifically that the annual fee will be {$450.00}. My annual fee was post on XX/XX/XXXX with the amount of {$550.00}, so I called them again on XX/XX/XXXX. During that phone call the representative told me {$100.00} credit will be post on my account in a few days. I never received those credit. Today ( XX/XX/XXXX ), I called them again, they said the two agents I previously talked to give me the wrong information and the annual fee will remain {$550.00} which they can not do anything about it. They asked me to pay for the extra {$100.00} which I am not responsible for.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: AE

Complaint narrative:
On XX/XX/2020, I received a message from an acquaintance that they received a CashApp request for {$100.00} from me. I do not have this person 's CashApp information nor would I ever request money from them. They then sent me a screenshot of the account information and the profile picture is a picture of me but, the CashApp name is different from the one I use. I do not have any access to the account they showed me nor did I create it. I contacted CashApp the next day and then again on XX/XX/2020 in an attempt to report and close the fraudulent account. Not only did they refuse to do so but, they claimed they could not provide me any information regarding the account. They wouldn't even so much as look into the matter for me to verify that it was legitimate. I then sent a dispute letter via IdentityTheft.gov 53 days ago from today and have yet to hear back from them. I really want this resolved and do not know what else to do at this point. CashApp has no Customer Service or proper process for handling such matters. They do not even appear to care at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: U.S. BANCORP
State: NM

Complaint narrative:
I open dispute for {$52.00} for order not received. The merchant did shipped but i never got it. The bank asked me to send a write statement and i fax it to the number that was given on the form. They took that dispute amount out of my account after speaking with case manager she  told me she never received that fax of written state and i explained that i have send that fax on the same day i got that latter. They keep saying we dont have it. its been more than 30 days. The upper management was making excuse by saying it could been technical issues the reason they never not the fax and she asked me for conformations #?? I mean i send my paper work with same fax machine you got it but when i send you written statement YOU DIDN'T?? I need my money back because the sender have no refund policy.

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 2020-09-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Took out a student loan in 2013 for the amount of {$19000.00}. at Wells Fargo and the interest rate was and still is 8.65 %. According to Wells Fargo I still owe {$17000.00}. According to the statement I have paid {$4100.00} in principal and {$12000.00} in interest. If I take the principal amount off the total amount owed my balance on the loan should be {$15000.00} not {$17000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 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: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
This information is being sent by me, not a third party. My proof of identity, and address are attached. On XX/XX/2020 I sent a certified letter with return receipt to XXXX. They have sent the return receipt back but as consumer ignored the requested of proof. I have attached along with this statement the letter I sent. I was inquiring about the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) that they are required by law to verify through the phyiscal verification of the original signed consumer contract. Under FCRA I requested verifiable proof that they had on file of ( an original Consumer Contract with my signature on it ). Because of there failure to do so by law under the FCRA, unverified accounts must be removed and if unable to provide me a copy of verifiable proof, they must remove the items of the accounts I listed : 1 ) XXXX XXXX ( 2 accounts ) : sitll on my credit report supposed be deleted 2 ) So. XXXX XXXX XXXX : still on my credit report supposed be deleted 3 )  XXXX XXXX : still on my credit report supposed be deleted 4 )  XXXX XXXX XXXX : was deleted 5 ) XXXX XXXX XXXX : still on credit report suppose be deleted There failure to positively verify these accounts has hurt my ability to obtain getting a house and other credit. As actived military solider serving my country this has cause me and my family much sadness. None, of the credit agencies, creditors and collection companies have given me proof of what I requested in writing. So, by law these items should have been deleted if this proof wasn't given.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently sent letters over 45 days ago to these credit bureaus and they are disregarding a regular consumer disputes. I am concerned and stressed and have been sending letters before this and still no correct action has been taken.

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 2020-09-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: NY

Complaint narrative:
The account in question in discussion is US Bank Account # XXXX the issue at hand is a late in XX/XX/2020, Back in XXXX I was sick with XXXX I tried calling to defer the payment and could not reach anybody at US Bank. When I was well enough to work I did make the payment 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 non-monetary relief
Consumer complaint received 2020-09-15 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: VA

Complaint narrative:
This information is being sent by me, not a third party. My proof of identity, and address are attached. On XX/XX/2020 I sent a certified letter with return receipt to XXXX. They have sent the return receipt back but as consumer ignored the requested of proof. I have attached along with this statement the letter I sent. I was inquiring about the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) that they are required by law to verify through the phyiscal verification of the original signed consumer contract. Under FCRA I requested verifiable proof that they had on file of ( an original Consumer Contract with my signature on it ). Because of there failure to do so by law under the FCRA, unverified accounts must be removed and if unable to provide me a copy of verifiable proof, they must remove the items of the accounts I listed : 1 ) XXXX XXXX ( 2 accounts ) : sitll on my credit report supposed be deleted 2 ) XXXX. XXXX XXXX Company : still on my credit report supposed be deleted 3 ) XXXX XXXX : still on my credit report supposed be deleted 4 ) XXXX XXXX XXXX : was deleted 5 ) XXXX XXXX XXXX : still on credit report suppose be deleted There failure to positively verify these accounts has hurt my ability to obtain getting a house and other credit. As actived military solider serving my country this has cause me and my family much sadness. None, of the credit agencies, creditors and collection companies have given me proof of what I requested in writing. So, by law these items should have been deleted if this proof wasn't given.

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 2020-09-15 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: VA

Complaint narrative:
This information is being sent by me, not a third party. My proof of identity, and address are attached. On XX/XX/2020 I sent a certified letter with return receipt to Experian. They have sent the return receipt back but as consumer ignored the requested of proof. I have attached along with this statement the letter I sent. I was inquiring about the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) that they are required by law to verify through the phyiscal verification of the original signed consumer contract. Under FCRA I requested verifiable proof that they had on file of ( an original Consumer Contract with my signature on it ). Because of there failure to do so by law under the FCRA, unverified accounts must be removed and if unable to provide me a copy of verifiable proof, they must remove the items of the accounts I listed : 1 ) XXXX XXXX ( 2 accounts ) : sitll on my credit report supposed be deleted 2 ) XXXX. XXXX XXXX XXXX  : still on my credit report supposed be deleted 3 ) XXXX XXXX : still on my credit report supposed be deleted 4 )  XXXX XXXX XXXX : was deleted 5 ) XXXX XXXX XXXX : still on credit report suppose be deleted There failure to positively verify these accounts has hurt my ability to obtain getting a house and other credit. As XXXX military XXXX  serving my country this has cause me and my family much sadness. None, of the credit agencies, creditors and collection companies have given me proof of what I requested in writing. So, by law these items should have been deleted if this proof wasn't given.

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 2020-09-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Tiffany & Bosco, P.A.
State: AZ

Complaint narrative:
XXXX XXXX, the servicing company made many errors XXXX XXXX, the investor had to be involved XXXX XXXX finally modified the loan under the direction of XXXX XXXX In the process of XXXX XXXX mistakes they hired Tiffany & Bosco Even though there's been federal mandates and the loan has been modified Tiffany & Bosco refuse to cancel the foreclosure The first modification payment has been made to XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 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: CA

Complaint narrative:
On XX/XX/2020 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. I 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 30 days 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 have caused me. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong 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
Consumer complaint received 2020-09-15 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: LOBEL FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have filed a dispute with XXXX  and XXXX  to removed fraudulent accounts be removed from my credit report, investigation took well over 30 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation