vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-25 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: AR

Complaint narrative:
Hello so on XX/XX/2022 I mailed a letter regarding inaccurate and unverified 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 ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by Equifax and the XXXX data breach and may have gotten into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
Hello so on XX/XX/2022 I mailed a letter regarding inaccurate and unverified 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 ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by XXXX and the XXXX data breach and may have gotten into the wrong hands.

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 2022-03-25 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: TX

Complaint narrative:
Hello so on XX/XX/2022 I mailed a letter regarding inaccurate and unverified 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 ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by XXXX and the XXXX data breach and may have gotten into the wrong hands.

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 2022-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Stenger & Stenger, P.C
State: MI

Complaint narrative:
I owed credit card debt which I stopped paying in XXXX when the pandemic hit, and the schools were closed so I couldn't work. I sent letters to all creditors advising them of my work status and requesting a forbearance until I could return to work. Most credit card companies responded that I could pay them 55 % of the total amount owed and they would close the account. XXXX did not respond. I sent another letter requesting their support. Instead, they sent the account to collection. 

At that time, I was suffering from eye problems and had to have XXXX  XXXX on both XXXX  in the summer of XXXX. The collections ' attorney filed a court claim. I filed an objection believing a court date would be set and I would be able to present my case. 

The collection agency filed another court claim and again I responded in writing. Then I played an online lottery game ( Michigan Lottery ) and luckily won {$1000.00}. 

I was advised by the Michigan Lottery that it was holding the funds due to my being garnished by the collection agency and I had a month to respond or my winnings would be sent to the collection agency. 

My problem is I had no knowledge of a garnishment, no official word of the same, no official documents sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have requested to remove the PMI from my mortgage by requesting an appraisal to see if my loan to value ratio is now more than 80 %. I was told I needed to make three consecutive payments after the mortgage forbearance program. I made those three payments. Now they're saying I need to wait another month and make another payment. They have moved the goalposts and have been lying to me so that they can delay removing the PMI to make more money and wait until housing market goes down before they re-appraise my home. They've also threatened me saying that the amount of my PMI payment will be increasing.

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 2022-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX I checked my account and was overdrawn {$1.00} ( XXXX XXXX  and XXXX XXXX  ) I XXXX  myself {$3.00} to clear the deficit. On XX/XX/XXXX @ XXXX ( I work overnight, my check normally posts at XXXX ) I sent myself {$100.00} ( XXXX XXXX dollars ) to make a payment and to keep a couple of dollars for incidentals. I checked my account at XXXX am and was charged a {$34.00} fee for NSF. I called the bank to dispute charge and was told they would not reverse the fee because they had already done a reversal in XXXX. Which was caused by them with the same issue. Back story I have paid thousands of dollars in fees because they constantly rearrange my transactions to justify their erroneous charges. In the past I have just " eaten it '' because I really don't like to argue but in the midst of everything that is happening in the world I can no longer afford to be stolen from.

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 2022-03-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2022 my Bank of America XXXX account was hacked through a XXXX XXXX e-mail scam. The hacker locked me out of my computer and XXXX themselves {$3400.00} in cash from my checking account. Bank of America is refusing to return the money to me because they said I " need to contact the person I sent the funds to directly to for further assistance ''. I was held XXXX  by this person as they took over my computer and accounts. It was a horrible situation. 
I did not XXXX this person any money. This person created fake e-mail accounts and left the approvals in my e-mail account. They set up the XXXXXXXX XXXX approved the transactions and took the money while I was locked out of my computer. Bank of America allowed these fraudulent transactions and they are blaming me. I contacted the bank as soon as I saw what carnage they did to my account. Now they are saying it's in XXXXXXXX XXXX hands. 
Bank of America is responsible to protect me money. I have the copies of the approvals they left behind. 
Yes it started with the XXXX XXXX scam that I was a fool and fell for. I can not believe I was stupid and followed their other instructions trying to get control of my computer back. I guess if you are not in the situation where you stressed, cornered and attacked in this manner you do not know what you will do. I'm a very smart person and never thought I would be threatened and held XXXX like this. This was a horrible situation to loose control of your life and everything in your computer to be watched on your home cameras, to have no control over my computer. I was very scared and then Bank of America failed to protect my account. Bank of America allowed these hackers in. I did not give out any passwords or access. 
Bank of America failed and will not refund my money. I had to change access and account numbers to every account in my home and financial accounts. This has been a complete nightmare. 

I should not be responsible for the inadequate security Bank of America has. They know scams exist and should provide security to block hackers from entering accounts and taking money out. 
I have tried multiple times to deal with the fraud and security teams at Bank of America and get no where. They leave me on hold for hours and then tell me its not their responsibility. 
Who's responsibility is it? I certainly didn't send my money to someone. I demand it have it returned to me. 
Please let me know what can be done. 
Thank you XXXX XXXX I need to know what steps I can take to fight Bank of America. They are a big bully bank that refuses to help their clients. 
Please help me get my money that was stolen. 
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 2022-03-25 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: Duvera Billing Services, LLC
State: VA

Complaint narrative:
On XX/XX/XXXX, I obtained an installment loan from XXXX XXXX to fund my vehicle repair from XXXX in XXXX, VA. 

The loan was advertised as 90 days same as cash with no interest or prepayment penalty but with an APR of 119 %. While the interest rate was unreasonable, I could not afford to pay the {$1200.00} repair at the time and urgently needed my vehicle for work, grad school and to take my kids to school and other places, so I took the loan. 

The loan was disclosed to have semi-monthly payments of {$69.00} over a 48 month period that were required to be auto payments. The first payment processed on XX/XX/XXXX and subsequent payments were made via auto payment twice every month. While all payments were made and processed including extra and irregular payments, XXXX XXXX  has reported to the credit bureau that the account is past due 30 days. 

The fact is that the account is actually paid in Full. While I have attempted to resolve this in phone calls with XXXX XXXX, but have been unable to do so. 

I have been retaliated upon for I believe paying the account off in full and avoiding the exorbitant and illegal interest ( according to Virginia code max interest rate on consumer installment loans is 35 % ). 

XXXX has deleted my online account access and refuses to update the account status to paid in full based on my last payment of {$1400.00} on XX/XX/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 2022-03-25 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: Dovenmuehle Mortgage, Inc.
State: PA

Complaint narrative:
I have received conflicting information from representatives regarding the companies method of communication as well as the alleged issues with my payment. 

They have denied the removal of a 30 day late report, although their representative, who I initiated contact with, verified the details of my online account payments, processed payments with the SAME information and ensured me that the company would not be reporting the payment late. 

However, the payment was reported late. 

Additionally, I have received information from the company on 4 separate phone calls which communicated that all of my correspondences were only to come via USPS. Then yesterday, I received an email that stated phone call attempts were made. After reviewing that email, I spoke with a representative who stated that ALL communications to me as the customer are via USPS. 

I am receiving nearly robotic responses and their investigation has not delved into the detail nor taken their untimely method of communicating that there was an issue with the payment into consideration. Not even an email. Amidst this payment period of XXXX, I was XXXX XXXX in XXXX and was relegated there until my vehicle was recovered and processed. Upon returning home, I initiated contact with XXXX XXXX after checking my account for fraud because all of my credit cards and ID were taken and when I gained access to my account, I noticed the payment which had been made 5 days after the robbery, still had not debuted my account. This is the aforementioned call in which the rep told me that the No Account Information found was not my fault. 

I regard the untimely communication and the misinformation provided not to be aligned with the companies FCRA requirements. But more importantly, the sheer lack of compassion for me as a XXXXXXXX XXXX XXXX XXXX and a customer is unacceptable. 

All documentation which was just reviewed today, was said to be substandard, because technically the payment was received during the month of XXXX. 

I will contact XXXX XXXX, my congressman and their companies leadership in short order. Primarily because of the conflicting information, such as we called you three times versus we only mail you communication. 

We will reverse the late payment and place it to the principal and then we wont. 

Youre routing number was entered incorrectly but we can tell you the routing number versus we have the same info lets hope this goes through, it wont be reported late and then it is. 

These are not good faith practices and the fact that they would sully my credit history is astounding. 

I am humbly requesting the removal of their late payment and acknowledgment of the conflicting information that k have received.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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: AR

Complaint narrative:
Hello so on XX/XX/2022 I mailed a letter regarding inaccurate and unverified 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 ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by XXXX and the XXXX data breach and may have gotten into the wrong hands.

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 2022-03-25 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: IL

Complaint narrative:
Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. 
The items below should all be updated to paid as agreed on my consumer report. 
XXXX XXXX  As a consumer by law these accounts on this letter must be updated or deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Hello, about 18-20 accounts were fraudulently opened in my name and cards were fraudulently used and charged, me then left with the balance around XXXX XX/XX/2021 this all started taking place. I have filed a ftc report also got a lawyer and the fbi involved. I have almost XXXX or so in fraud debt due to identity theft and credit card fraud. I have called each of these banks and some of them refuse to remove the debt and relieve me. This is causing me a ton of stress. These are the banks that will not remove the fraud debt or close the account and credit companies XXXX, XXXX and XXXX wont clear it from my credit report. Navy Federal credit union, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have had muliple phone calls with the banks, and credit agencies to have this fixed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: VA

Complaint narrative:
My previous landlord wrongly claimed I didn't give them advance notice for moving out and therefore they renewed my lease. This is not the case and I did give them notice for my intention to leave at the end of the lease but they failed to process it, and report a termination fee to a debt collector. 
Hunter Warfield didn't resolve my dispute even though I sent them documents showing my notice to not renew the lease to the XXXX XXXX. 
In summary, the debt collector chose to report that claim and influence my credit report even though they knew it was wrong. 
Please see the attached documents on my communication and proof of me giving them enough notice. 
Notice that in attachment 1, I notified XXXX XXXX on XX/XX/XXXX about not renewing my lease which ended on XX/XX/XXXX ; more than 4 months in advance and the lease only required XXXX notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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: TX

Complaint narrative:
Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified 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 ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by XXXX and the XXXX data breach and may have gotten into the wrong hands.

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 2022-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I began my mortgage application on XX/XX/22 and applied for a mortgage that I was told would qualify for 100 % financing no down payment required. I verified this information with my loan processor after my application was submitted. For 29 days of my closing process I was assured that I would not need to make a down payment. The day before closing I was told that Navy Federal had misread information and I would now need to make a 5 % down payment in order to close. I was unable to search for other mortgages that would better fit my needs because of this misrepresentation. By the time I was closing I had already ended my lease and needed a home to move into. I had no other option but to close in one dat

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 2022-03-25 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: TX

Complaint narrative:
I sent disputed to Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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: VA

Complaint narrative:
This is a complaint against timeshare XXXX XXXX. Everyone I've dealt with from XXXX all claimed to not work on commission. They told us that we're making a good financial investment. They promised things would be positively different but each time things just keeps getting worse. I was also told that it had some tax benefits similar to owning a second home. I felt pressured especially when they said they needed " corporate approval '' in order to XXXX me the price being offered and it's my last chance at the lowest price considering the fact that the resale value would go up. They also enticed me, promising me rental income which according to them, I can earn through this timeshare. We were never properly informed about the fees ; they never made us aware of it. They never informed us how to cancel ; we were never properly educated regarding cancellation, like how many days to cancel and such. We were extremely pressured, they would not take " No '' for an answer. This timeshare only caused us stress and hardships. We were defrauded, lied to and took advantage of us.

Company response to consumer: Closed with explanation