vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-03 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: IN

Complaint narrative:
I submitted a dispute to equifax about XXXX XXXX account inaccurate. 
Once again equifax has failed to go through the proper investigation process. Which is against the fair credit protocol. Equifax needs to fix this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Conn's, Inc.
State: TN

Complaint narrative:
Conns furniture is not MY account but continue to report accurate I DONT HAVE NO ACCOUNT WITH CONNS THEY STATED THAT I OWED THEM XXXX XXXX THEY STATED THAT I OPENED A ACCOUNT WITH THEM IN 2018 NEGATIVE I DONT KNOW ANYTHING ABOUT THIS ACCOUNT I MOVED FROM THE ADDRESS STATED IN 2018 BUT THE NEW TENANT STOLE MY IDENTITY INFORMATION CONNS APPLIANCES ALLOW SOMEONE ELSE TO DESTROY MY CREDIT AND GET MERCHANDISE IN MY NAME THATS FRAUD PLEASE REMOVE THEM FROM MY CREDIT REPORT I HAVE FILED AND PROOF OF A POLICE REPORT FOR THIS ACCOUNT THAT DO NIT BELONG TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XXXX Bank of America closed my accounts without any warning. My accounts were closed and when I tried to get my money out they would not let me and would not tell me why my accounts were closed. I tried telling them that I have no money for gas, food or Rent or to feed my daughter. I was treated like a XXXX XXXX XXXX. How can you not let me get my money out of the accounts so I can survive?

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 2022-08-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
We previously filed a complaint with the CFPB regarding our mortgage lender NewRez. Though we still feel the issue is unresolved and are pursuing further action, we have a new issue that is unique and requires separate follow up. 

The issue, in short, is that we were unnecessarily charged return payment fees and late fees, which NewRez has refused to review. NewRez charged us for return payment fees due to " no account '' after we attempted to pay our mortgage by phone on XX/XX/22 and again on XX/XX/22 when the first payment didn't post to our account. I dictated the account number correctly by phone but it was entered incorrectly by a NewRez agent. NewRez has refused to review the call as requested based on the response attached. It took another 2 attempts to pay the mortgage because on XX/XX/22, NewRez informed me that their system errored out when I attempted to pay and they could not process the payment. I was finally able to pay by phone on XX/XX/22 and the payment was withdrawn. I was then charged {$270.00} in return and late fees due to an error made by NewRez dating back to XX/XX/22. I spoke with a NewRez customer service representative on XX/XX/22 who informed me that I could not get these fees reviewed or removed through her. She instructed me to go online and submit a complaint through the NewRez website. On XX/XX/22, I did just that. However, NewRez responded that this issue ( see attached ) has already been reviewed and a new investigation would not be conducted. That is untrue. This is a separate issue and requires NewRez to do their due diligence and investigate as requested by their customer who using the appropriate channels.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 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: LEXISNEXIS
State: MA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. 
These are the items I demanding to be deleted immediately : Validate Account XXXX Please remove this bankruptcy from my public record Validate Account XXXX Please remove this bankruptcy from my public record Validate Account XXXX Please remove this bankruptcy from my public record

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 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.
State: IN

Complaint narrative:
On my credit score it shows I have went down in score due to having stuff in collections, I called the company that shows I owe money to and they told me I do not have any balances remaining.

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 2022-08-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: MS

Complaint narrative:
I hope this complaint has correctly found itself within your Consumer Financial Protection Bureau department as it is very essential to me that you become aware of the ordeal I have had to go through. Commencing on or around XX/XX/2022, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX XXXX ( the Fraudsters or the Company ), with the design, development, manufacturing, promoting, marketing, distributing, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of client losses to gains in the equivalent of XXXX USD which was transferred from my wallet utilizing your services. I do not have a proclivity to blame others for my downfalls, however, I can not help but link this enormous loss with the trust I had instilled in XXXX XXXX XXXX, which is a fraudster.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I believe the credit score provided in a background check for housing on XX/XX/22 was incorrect. there is roughly a 30 point difference between the score reported via the background check and the score provided by Equifax. I called the consumer line XX/XX/22 and was told they dont do background screenings through Equifax XXXX When I asked to speak to a supervisor I was placed on hold for over 45 minutes and then hung up on. I would just like my credit score investigated and updated or an explanation and breakdown of why the scores are so different and what the different calculations are. Attached is the background check with my credit score and a screenshot of my credit score provided by Equifax for that same time period

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 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: TX

Complaint narrative:
To Whom It May Concern, I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
1. XXXX & XXXX Last reported XX/XX/XXXX {$1000.00} Open balance XXXXXXXX XXXX XXXX  Original creditor XXXX Opened XX/XX/XXXX ( 7 mos ) Account status Open Type -- Responsibility Individual 2. XXXX & XXXX Last reported XX/XX/XXXX {$120.00} Open balance XXXXXXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( 5 mos ) Account status Open Type -- Responsibility Individual 2. XXXX & XXXX Last reported XX/XX/XXXX {$120.00} Open balance XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( 5 mos ) Account status Open Type -- Responsibility Individual 2. XXXX & XXXX Last reported XX/XX/XXXX {$120.00} Open balance XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( XXXX mos ) Account status Open Type -- Responsibility Individual 2. XXXX & XXXX Last reported XX/XX/XXXX {$120.00} Open balance XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( 5 mos ) Account status Open Type -- Responsibility Individual 3. XXXX XXXX BANK Last reported XX/XX/XXXX {$25000.00} Reported balance Credit limit {$23000.00} You're using 109 % of your account 's limit OVERVIEW Credit limit {$23000.00} Minimum monthly payment {$0.00} Opened XX/XX/XXXX ( 3 yrs, 2 mos ) 4. BANK XXXX XXXX Last reported XX/XX/XXXX {$5800.00} Reported balance Credit limit {$5000.00} You're using 117 % of your account 's limit OVERVIEW Credit limit {$5000.00} Minimum monthly payment {$170.00} Opened XX/XX/XXXX ( 3 yrs, 1 mos ) 5. XXXX Last reported XX/XX/XXXX {$1100.00} Reported balance Credit limit {$1000.00} You're using 118 % of your account 's limit OVERVIEW Credit limit {$1000.00} Minimum monthly payment {$74.00} Opened XX/XX/XXXX ( 3 yrs, 2 mos ) 6. XXXX XXXX Last reported XX/XX/XXXX {$13000.00} Reported balance Highest balance {$15000.00} You've paid off 12 % of this loan OVERVIEW Highest balance {$15000.00} Monthly payment {$0.00} Opened XX/XX/XXXX ( 1 yrs, 8 mos ) Term 60 months ( 5 years ) Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. 

Please forward me an updated credit report after you have completed your Investigation and corrections. 

Your cooperation and prompt attention are greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 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: TX

Complaint narrative:
To Whom It XXXX Concern, I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
1. XXXX & XXXX Last reported XX/XX/XXXX {$1000.00} Open balance XXXX XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( 7 mos ) Account status Open Type -- Responsibility Individual 2. XXXX & XXXX Last reported XX/XX/XXXX {$120.00} Open balance XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( 5 mos ) Account status Open Type -- Responsibility Individual 2. XXXX & XXXX Last reported XX/XX/XXXX {$120.00} Open balance XXXX XXXX  Original creditor XXXX Opened XX/XX/XXXX ( XXXX mos ) Account status Open Type -- Responsibility Individual 2. XXXX & XXXX Last reported XX/XX/XXXX {$120.00} Open balance XXXX XXXX  Original creditor XXXX Opened XX/XX/XXXX ( 5 mos ) Account status Open Type -- Responsibility Individual 2. XXXX & XXXX Last reported XX/XX/XXXX {$120.00} Open balance XXXX XXXX Original creditor XXXX  Opened XX/XX/XXXX ( XXXX mos ) Account status Open Type -- Responsibility Individual 3. XXXX XXXX BANK Last reported XX/XX/XXXX {$25000.00} Reported balance Credit limit {$23000.00} You're using 109 % of your account 's limit OVERVIEW Credit limit {$23000.00} Minimum monthly payment {$0.00} Opened XX/XX/XXXX ( 3 yrs, 2 mos ) 4. XXXX XXXX XXXX Last reported XX/XX/XXXX {$5800.00} Reported balance Credit limit {$5000.00} You're using 117 % of your account 's limit OVERVIEW Credit limit {$5000.00} Minimum monthly payment {$170.00} Opened XX/XX/XXXX ( 3 yrs, 1 mos ) 5. XXXX Last reported XX/XX/XXXX {$1100.00} Reported balance Credit limit {$1000.00} You're using 118 % of your account 's limit OVERVIEW Credit limit {$1000.00} Minimum monthly payment {$74.00} Opened XX/XX/XXXX ( 3 yrs, 2 mos ) 6. XXXX XXXX Last reported XX/XX/XXXX {$13000.00} Reported balance Highest balance {$15000.00} You've paid off 12 % of this loan OVERVIEW Highest balance {$15000.00} Monthly payment {$0.00} Opened XX/XX/XXXX ( 1 yrs, 8 mos ) Term 60 months ( 5 years ) Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. 

Please forward me an updated credit report after you have completed your Investigation and corrections. 

Your cooperation and prompt attention are greatly appreciated.

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 2022-08-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
Closed on our new house in XXXX, NC XX/XX/2021. The mortgage company made many mistakes during the closing documents. After the close they send me a check for the insurance that was paid at the closing. I then had to set up a payment with my insurance company even though escrow included insurance. They then determined I didn't have coverage for one day. Which was clarified 3 times with their insurance department and included my agent from XXXX XXXX to validate the coverage. 

They still proceeded to provide their own insurance to cover that one day at great cost. They now have made another mistake in my mortgage escrow and are now charging me for additional insurance and increasing my monthly payment by XXXX. I have spent hours speaking to them and they will not move me to a supervisor. They failed to provide me the proper disclosures for the change, they failed to provide me disclosures of the cost and they have multiple letters sent to me that contradict each other. I feel they have been deceptive and unwilling to resolve the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
I had my unemployment deposited to my PayPal account. That was XX/XX/2021. They have since not let me withdrawal it and at first told me to wait 180 days. Its way over 180 days and Im still waiting and they told me to wait till I receive an email anytime between now and 20 years from now. I have over XXXX in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flagstar Bank, N.A.
State: GA

Complaint narrative:
Follow up to previous complaint filed against Flagstar Bank. On XX/XX/22, XXXX from the Office of the President called me and confirmed that I was given erroneous information in regards to my construction-perm loan. However, they didn't believe that I was mislead into falsely paying off a mortgage even though they were supplied with emails showing this was part of the approval process. They had to turn full circle from their original reply saying that I didn't have a loan in process and that they didn't see anything wrong. XXXXXXXX XXXX direct statement to me was that they did error and that I could resubmit my loan application for approval. All this after interest rates have risen and the economy has entered a recession. I already had a lock on a rate that is no longer valid. It seems that they know they made multiple errors on this application but no one wants to take responsibility for the errors. I also informed her that taking down all the information related to my application was a violation of the freedom of information act. They don't want the communication available to me because it will prove that they mislead me during the last stage of my original loan being approved. We were 2 weeks from closing on the loan before they required an employer statement guaranteeing 3 years of employment for my co-applicant. Nobody in their right mind, as an employer, would ever supply this to a bank. Again, the answer was re-apply so they could approve the loan but at way higher interest rates. Consumer beware. Flagstar admitted they had rouge Loan advisors and gave out incorrect underwriting requirements for this complaint. They don't care about who they XXXX over and what position they put borrowers in. Think twice before using them as your lender. Can't take responsibility for their own rouge employees.

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 2022-08-03 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
Last year, on XX/XX/XXXX, i had total of 9 unauthorized transactions in my robinhood debit card account. I filed a dispute claim for 9 of them on XX/XX/XXXX thru robinhood XXXX. Somehow, omly 2 transactions got granted immmediately, but those two had the least amounts, and the rest 7 never got granted. Then i contacted them by phone, emails, i kept writing back to them saying how come only 2 got granted when i filed 9 of them at the same time ( 9 charges different amounts which happened in same day, same merchant, same period of time ). I was kinda shocked when they first approved my 2 transactions, they emailed me that they have found enough evidences, blah blah blah so they are good to go! But after many times contacting by phones, writing so many emails to have the company to refile those 7 transactions, they made me waitng like forever and kept denying my claim. Funny thing occurred til one point because i kept asking them to reopen the claims, and they finally sent me back an email said that they have found errors with and proofs so they will okay it! And then i showed it to them after couple days without any actions, then they emailed me back saying " oh that was a mistake, there is actually no error found, so it wasnt going to get granted ''. Ridiculous right? I finally emailed them again this time i criticized everything, pointed out everything with photos attached with emails they sent me... to make my point that i need all the staff in dispute department to stop treating people like an assembly line, please have some heart or at least put some effort into the work. Therefore, after waiting months and months pending for solution, they decided not to help me anymore and shut down my account, redflagged phone number so that nobody picked up my phone at customers services app support, emails no answer! Last time i checked those 7 transactions were pending and all the representative i spoke they all said " oh okay they were looking good, u just have to wait '' ... ..they lied to my face, and my account got closed all of a sudden. That is the reason today i need to your help please. I am very XXXX, please help me thank u.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I received a email from Bank of America asking how I would rate my recent call experience with XXXX XXXX This occurred on XXXX XX/XX/2022. I did not call Bank of America on XXXX XX/XX/2022 so I was confused on why i got this email form Bank of America. On XXXX XXXX I contacted Bank of America on XXXX XXXX after my card had been declined at several establishments. I checked my phone and found a voice mail from Bank of America to call because there may have been fraud on my credit card account. I also logged into my Bank of American online account and saw there was a message to call regarding my credit card. I called Bank of America on XXXX XX/XX/2022 and validated that a charge on my card listed as an ACH Payment refund had increased the balance on my credit card by {$1100.00}. I have since contacted Bank of America by phone another time and actually went into their office on XXXX XX/XX/2022 in an effort to resolve this issue and get it investigated properly. My concern is that someone called into Bank of America on XXXX XX/XX/2022 pretending to be me and I am not sure what information was passed on to them by Bank of American personnel. I am concerned about identify theft and future issues with my Bank of America accounts.

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 2022-08-03 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: FL

Complaint narrative:
The accounts listed on my credit report were open fraudulently. I did not open nor did I authorize anyone to open these accounts. Attached is the letter I sent and the supporting documentation that should have resolved this issue. As of today, the credit reporting agency has failed to comply with FCRA and has damaged my credit reputation.

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 2022-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
NOTICE TO PRINCIPLE IS NOTICE TO AGENT, NOTICE TO AGENT IS NOTICE TO PRINCIPLE! 
I, XXXX XXXX, federally protected Consumer am aware of Experian Information Solutions Inc unlawful business practices act. 
Upon receipt of DEMAND NOTICE ( Experian ) shall be fined {$1000.00} ( PER DAY ) pursuant to 15 U.S. Code 1681o ( a ) ( 1 ) with PREJUDICE!!

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