vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-01 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: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). This caused me some distress and might affect my futures credit transaction and so, I want this to be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
On or about XX/XX/2021 I submitted an ''Dispute '' accompanyed with a 609 ''Dispute letter. to ''Experian '' Credit Reporting agency. To date XX/XX/2021, Experian has not removed or responded within the 30 day period in accordance of the Fair Credit Reporting Act.

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 2021-06-01 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). As much as possible I don't want any mistakes to be put on my record and so. I want this to be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
On XX/XX/2021. I certified mailed my dispute to remove three collections account that are not mine. I requested debt verification as these three collections are not mine. I have attempted on 2 occasions to contact Experian get these debts verified and had no luck.To this day I have not received a reply or my investigation results or any acknowledgment that an investigation has begun not even on my credit reports.

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 2021-06-01 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Student Debt Consolidating
State: TN

Complaint narrative:
My student loans is supposed to be deferred I am currently still in school and it is showing bad on my credit report, I am not sure how to go by fixing it

Company response to consumer: Untimely response
Consumer complaint received 2021-06-01 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: EQUIFAX, INC.
State: NY

Complaint narrative:
if you can not provide me a copy of verifiable proof after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I received a promo from CapitalOne to get {$400.00} bonus to open a new checking account. on XX/XX/XXXX I opened a new checking account and then met all requirements ( make two direct deposits {$500.00} each ) to receive the bonus. Three months later, CapitalOne just closed my account without any notice. Instead of giving me {$400.00} bonus after I met all the requirements, they just simply close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 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:
Hey Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud account off my report. Attached is my ID and my report I filed for identity theft because these accounts was not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payment on XXXX 2021. 


I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 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: FL

Complaint narrative:
I was on vacation in XXXX XXXX. and my bag was left in the car while I went to the beach, during this time I was in the water I was robbed someone entered the vehicle and went in my bag and stole my card information charging {$2200.00} on XX/XX/21, and used my card information the next day on XX/XX/21 for another unauthorized charge of {$800.00}, which during this time I was at the airport hours away. I provided documents that it is not possible for me to make these unauthorized charges and have been denied by Bank of America three times. Bank of America failed to send out an alert on my secured checking account when the first charge of over {$2200.00} was charged to my debit card and they failed to alert me of the second unauthorized charge made on the account, which put the account in a negative balance. I made a police report here in the US and in XXXX XXXX and provided the case number to the bank. Bank of America changes the reason for denial every claim made through there investigations Dept. which they failed to provide any information and sent me a denial letter accusing me of making theses unauthorized charges to my account. I am filing this complaint because Bank of America has an obligation by law to protect customers from fraudulent activity and to protect consumers finances by law and they are refusing to abide by the federal regulations. The time these charges were made I have provided documents that I could not have made these unauthorized transactions.

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 2021-06-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: AZ

Complaint narrative:
SPS approved me for a COVID-19 Deferral of your outstanding payments outlined in the the COVID-19 Deferral Confirmation Notice sent to me on XX/XX/2021. SPS offered an 11-month Deferral Plan.

Due to ongoing hardship caused by the Covid-19 Pandemic I requested and request an extension of the forbearance plan I was enrolled in mandated in the FHA, XX/XX/2021 Mortgage Letter XXXX. 

SPS ignored my requests in violation of White House Rules necessitated by the Covid-19 National Emergency. SPS needs to enrol me in the extension and remove the delinquencies from my account. 

SPS failure to allow me the relief mandated by the White House and FHA has caused me XXXX XXXX and exacerbated my XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
On XX/XX/2021. I certified mailed my dispute to remove three collections account that are not mine. I requested debt verification as these three collections are not mine. I have attempted on 2 occasions to contact XXXX  get these debts verified and had no luck.To this day I have not received a reply or my investigation results or any acknowledgment that an investigation has begun not even on my credit reports.

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 2021-06-01 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
On XX/XX/2021. I certified mailed my dispute to remove three collections account that are not mine. I requested debt verification as these three collections are not mine. I have attempted on 2 occasions to contact XXXX get these debts verified and had no luck.To this day I have not received a reply or my investigation results or any acknowledgment that an investigation has begun not even on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WAFD BANK
State: OR

Complaint narrative:
I was treated with discrimination by a Washington Federal bank employee while depositing a check into my own account. I have had a Washington Federal account with my spouse for years. We both have 1/2 of our mortgage payment deposited into the account each month from our paychecks. Then, our mortgage payment comes out of the account on the XXXX. Last month, there was a mistake by my payroll in deleting my direct deposit. So, I needed to go into the bank and deposit a check for my half of the mortgage. I went inside on XX/XX/2021 to deposit a check into the account. I went to the XXXX XXXX branch # XXXX at XXXX. I went to the register and gave my drivers license and check to the male teller and told him that I needed to deposit the check into my account because my direct deposit had been stopped. He kept looking at my I.D . and back at the screen saying things like, " I just want to make sure this is you. '' And, " You said you had a mortgage here? I don't see it. '' I didn't say that I had a mortgage there. I said that my mortgage payment comes out of that account. He took a really long time with the deposit. Then, before he would give me my drivers license back, he said, " I need you to take off your mask so we can get your face on camera. '' And I asked, " Do you ask this of everyone? '' And he said, " Yes. It's standard procedure. '' FOR A DEPOSIT???? I was not withdrawing money. He saw my drivers license. Why would I need to show my face to the security camera for a deposit? ( Please check their security cameras for interactions with Caucasian customers ) And, I'm certain that they do NOT ask everyone to remove their masks. That is not safe because of the COVID crisis. He treated me like this because I am an XXXX XXXX. He made me feel like I was a criminal. That is not right.

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 2021-06-01 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: FL

Complaint narrative:
Hello, I recently had a situation where an individual was soliciting people in our neighborhood to send them money for what he claimed was for charity purposes. Problem is he was not letting people go easily and I did not feel safe in the position where I was coerced into giving them money so they could leave me alone. Specifically it was {$100.00} that I sent to him from the AMEX application directly. I called AMEX and they informed me that they do not think this was life-threatening so I do not have a case to be made. My problem is I did not want to submit this transaction, but rather I was coerced into doing something I did not want because it was what I felt was safer for me. The AMEX representative insisted that he does not believe that I was in any danger and that I could have ignore this individual despite what I just emphasized about not feeling safe. He said if I were life-threatening then he could report it but he insisted that he does not think I was in any danger and offered no recourse or viable resolutions. Im truly upset with the judgement from this individual which is very unlike what I am accustomed to from this company. I hope we can correctly categorize this situation and dispute this transaction as I clearly did not feel safe in doing this transaction and the representative did say it is disputable if it were life-threatening. I hope to hear back and have a resolution to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: WA

Complaint narrative:
I made mortgage payment on XX/XX/2021 using the debit card I use to make all payments and purchases. On XX/XX/2021 I noticed no withdraw from the account so I phoned. After a long period on hold I was disconnected. So I emailed several times and was told the matter was " under investigation ''. I emailed several more times and got no replies and still no transfer of funds from my account. I contacted my bank to see if they were the problem and they said they had no record of contact from Mr. Cooper. When I logged in on XX/XX/XXXX it said my XXXX payment had not been paid and there were large late charges. I called and this time got through to a customer representative who said the payment was returned for " insufficient funds ''. I told him there was XXXX in the account and that the bank said no record of contact from Mr. Cooper. I was transferred to someone who took payment over the phone and tried to charge late fees. I objected but I do not know if they were removed. I see still no withdraw from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: California Business Bureau, Inc.
State: CA

Complaint narrative:
I had medical insurance and was given to hospital at the time of services rendered

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: SD

Complaint narrative:
I have both a Spend ( debit card ) and Savings accounts with Credit Karma, which until recently I had no problems with. However, after my divorce in XX/XX/2021, the account that was funding my Credit Karma accounts ( at XXXX XXXX XXXX XXXX XXXX had to be changed, as the servicing bank could not simply remove my ex-wife 's name from my accounts. 

I tried to transfer money from my Credit Karma account to my external bank, but due to the bank being in the process of changing my account numbers the transfer was returned to Credit Karma. Due to the return of the transferred funds Credit Karma has frozen both of my accounts and have refused to allow me to regain access, so now I can not only not access my assets, they refuse to allow me to update my account with my new banking information. They also refuse to call XXXX XXXX XXXX XXXX to even verify that what I've stated is true regarding my accounts at XXXX. I understand they can not access my accounts at XXXX for security reasons, but they refuse to even reach out to verify what I'm telling them is factual. 

I have called Credit Karma many times since XX/XX/XXXX in attempts to resolve this issue, however the department that handles this type of situation refuses to take incoming calls, stating they only work via email. I have sent them the requested information to verify my identity with regard to the new XXXX account numbers a couple times now, and still my accounts are frozen, causing me extreme financial as well as mental stress. Now, due to Credit Karma 's unwillingness to unfreeze my accounts, I can not pay my mortgage or several other bills at this time due to their refusal to cooperate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: U.S. BANCORP
State: MA

Complaint narrative:
How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payment on XXXX XXXX for 30 days. 


I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
if you can not provide me a copy of verifiable proof after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter.

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 2021-06-01 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
On XX/XX/2021 we applied for a refinance on an investment property. By XXXX of XXXX  we were still waiting for the refinance to be processed. On Monday XX/XX/2021 the bank reach out by email and confirm that the loan is clear to close and that someone should reach out to setup and date and time to sign the documents. Also, the email response mentioned that " You will want to both sign your closing disclosure in the E-Portal once it is uploaded. '' This document was never made available on their portal so we did reach out and asked how much money do we need to have available at closing. The response was they the did know exactly what was the mortgage payoff amount and " the processor advised they need to do a final soft pull to finalize your loan on your credit ''. I should mention that at this point in time this was the 3rd or 4th time when the bank had to run a credit check since XX/XX/2021. The bank was not able to provide a clear explanation about the documentation necessary and what was missing or not although the payoff amount statement was provided twice. The closing was canceled and at this point we have no clear reason why is that.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Preferred Collection and Management, Inc.
State: CT

Complaint narrative:
I never had a record with these authorities/leasers. I attempted to get in touch with them a few times and request verification of possession however they neglected to send me the important documentation to demonstrate that I actually own this record.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Portfolio Services, Inc.
State: VA

Complaint narrative:
Consumer Portfolio Services is reporting to the credit reporting agencies regarding an expired debt. This debt is over seven years old and the last activity on this account was XX/XX/XXXX. I sent a certified letter on XX/XX/XXXX and XX/XX/XXXX, informing them that I understand my rights under the Fair Debt Collection Practices Act and my state laws. I have verified through my states Attorney General that the Statute of Limitations for enforcing or reporting this type of debt in Virginia has expired. As of today, XX/XX/XXXX, Consumer Portfolio Services is still reporting an expired debit to the credit reporting agencies.

Company response to consumer: Closed with explanation