vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX, someone fraudulently made a cash withdrawal from my account for {$200.00} and on XX/XX/XXXX for {$200.00}. In additiona I was charged a {$10.00} cash advance fee each time. I never made these transactions ; I was in another state at the time and I dont even know the PIN number for this card. 
I had received a text message from the Bank asking if I had made these transactions and I replied no. On XX/XX/2021, I reported the fraud to Capital One by phone. They issued a new card with a new number and started an investigation. 
On XX/XX/XXXX, I received a letter in the mail letting me know that the fraud investigation is complete and that as part of their {$0.00} fraud liability promise I would not be held responsible for the fraudulent charges. 
Upon reviewing my credit card statement on XX/XX/XXXX, I realized that Capital One had reversed the credits for the fraudulent charges. I called Capital One and the supervisor explained to me that the investigation was complete, and they had proof that I had made these two cash advance withdrawals. 
During our conversation I repeatedly tried to explain that not only was I not in the same state that these withdrawals were made, but I have only ever used this card at the store it was issued in, Bass Pro Shops. I explained to the supervisor that I dont even know my PIN number and based on my transaction history over the life of the account, it is clear that I only use this card at this specific store. The supervisor, in an unprofessional tone, told me that I am lying and there is nothing they can do since the investigation is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I already reached out to the credit bureaus and to MACYS/DSNB for the account number XXXX and notify them of their error posting for this account. I DO NOT OWN THIS DEBT, and I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. Continued reporting of this inaccurate and UNVALIDATED debt. I thought they had dutifully complied with the law to cease any collection efforts unless proper validation has been provided. Then I found out that the issue still persists, I just had to escalate to CFPB.

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 2021-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
BBVA ran a {$400.00} cash bonus when a checking account was opened and certain requirements were met. 

I opened an account online on XX/XX/XXXX with promo code XXXX. The promo stated that if I made a direct deposit of at least {$2500.00} by XX/XX/XXXX then I would receive a {$400.00} cash bonus by XX/XX/XXXX. The requirement was met on XX/XX/XXXX but the {$400.00} cash bonus has not been applied to the account. 

I reached out to BBVA in writing on XX/XX/XXXX requesting a status update on the bonus. I received a response dated XX/XX/XXXX informing me that I had not met the requirements for the bonus. I responded in writing on XX/XX/XXXX with supporting evidence showing that the requirements were met. I received a response on XX/XX/XXXX dismissing my supporting evidence without adequate explanation and informed they would no longer review my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18 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: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I already reached out to the credit bureaus and to NEW RES-SHELLPOINT MTG for the account number XXXX and notify them of their error posting for this account. It does not compliment what the Credit bureaus may claim as a " validated as accurate ''., and I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I had also requested the method of verification, actual proof, and physical firsthand documentation of the payment history but I did not receive what I asked for and these violations persist on my credit report. I just had to escalate to CFPB.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: KEYCORP
State: NY

Complaint narrative:
My keybank card, for collecting my unemployment benefits. Was lost around the XXXX of this month. I went to check my benefits and all my money was gone. I call keybank custom service to inform them I lost my card. They informed my that this card has been used in XXXX and XXXX XXXX this person use my card and stole XXXX $ for my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
On XX/XX/XXXX I checked the mail and noticed two packages from TDbank with checkbooks I never ordered because I do not have an account or accounts with that bank. I called TDbanks costumer service number to see if the accounts actually exist and I entered the last 4 digits of my social and it actually took me to account information. I then hung up and call TDs fraud number. The checks have my address but both have phone numbers I have never seen before.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-18 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Green & Sons Agency, Inc.
State: UT

Complaint narrative:
We were served with a court summons from the lawyer from Outsource Receivables Management on XXXX XXXX XXXX regarding medical bill owed to a XXXX XXXX. We had assumed we settled the debt in XX/XX/XXXX, however, we were informed that the hospital used an independent contractor to perform the XXXX XXXX XXXX XXXX  ... 

We never received any letters from the collection agency that they were trying to collect. The first we heard of the debt was with the court summons. They stated that their only responsibility was to mail the letter, not ensure we get it. Now they are not only going after the debt, but they are threatening to garnish pay to cover court and lawyer expenses that we were never previously told about. 

Even though i have been underemployed for a year, I offered to settle the original debt immediately, but they insisted that legal action is already taken, can't be cancelled, and that they are going after me for 3x what the original debt was.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18 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: Ability Recovery Services, LLC
State: TX

Complaint narrative:
Ability recovery services account # XXXX idk what this is for but it's not for me it's a loan of {$280.00} n I've never got a loan before I think my ex husband is using my information or has before I'm checking into now ty

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 2021-04-18 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:
On XX/XX/2021 I sent Experian a letter via certified mail and received a signature upon delivery on XX/XX/2021 as shown by the attached signature image and a screenshot of tracking history provided by the postal service. I have needlessly sent a second letter to an updated address since I briefly believed that their failure to respond was due to not having received the dispute letter mailed on XX/XX/2021. However upon receiving the proof of signature by an agent, I now know that thats not the case. 

In both letters I demanded that 2 credit lines and 7 hard inquiries be deleted from my report since Under 15 USC 1681b Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates.

I never gave EXPERIAN written consent to report anything on my consumer report, no consent is identity theft.

In accordance with 15 USC 1681i. ( a ) ( 1 ) ( A ) - if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Clearly, federal law requires Experian to respond to my dispute within 30 days of the dated return receipt, which I have attached. They have failed to respond within that time period in violation of my consumer rights via the FCRA and must now delete the disputed items of information mentioned in the original letter, which I have also attached.

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 2021-04-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SIERRA PACIFIC MORTGAGE
State: CA

Complaint narrative:
My lender increased my bill {$680.00} to begin XX/XX/2021. I was notified XX/XX/XXXX, I called and spoke with 6 agents who have yet to provide me an answer as to why. My escrow account payment has increased {$680.00} and I already pay the required $ XXXX  monthly payment to escrow. There has been no change to my insurance and I have a property tax exemption that I forward to my lender as proof. I have demanded answers and a call back and no one has returned my call. I can not afford a sudden monthly increase of {$680.00} due in 12 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18 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: Westlake Services, LLC
State: CA

Complaint narrative:
I already reached out to the credit bureaus and to WILSHIRE CONSUMER CRED for the account number XXXX and notify them of their error posting for this account. It does not compliment what the Credit bureaus may claim as a " validated as accurate ''., and I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I had also requested the method of verification, actual proof, and physical firsthand documentation of the payment history but I did not receive what I asked for and these violations persist on my credit report. I just had to escalate to CFPB.

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 2021-04-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo had issue with there Computer system and i had wire money XXXX XXXX XXXX  to my Daughter and it was never deposit into her account. Each employee of the Wells Fargo are very rude and hang up and do not do their job the way they are to do it. i have an attorney on this case and no one well have a job at Wells Fargo and sending emails after they made a mistake on wire transfer and not getting the job done right away

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 2021-04-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I already reached out to the credit bureaus and to BANK OF AMERICA, N.A for the account number XXXX and notify them of their error posting for this account. I DO NOT OWN THIS DEB, and I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. Continued reporting of this inaccurate and UNVALIDATED debt. I thought they had dutifully complied with the law to cease any collection efforts unless proper validation has been provided. Then I found out that the issue still persists, I just had to escalate to CFPB.

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 2021-04-18 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 Equifax a letter via certified mail and received a signature upon delivery on XX/XX/2021 as shown by the attached signature image and a screenshot of tracking history provided by the postal service. I have needlessly sent a second letter to an updated address since I briefly believed that their failure to respond was due to not having received the dispute letter mailed on XX/XX/2021. However upon receiving the proof of signature by an agent, I now know that thats not the case. 

In both letters I demanded that 2 credit lines and 2 hard inquiries be deleted from my report since Under 15 USC 1681b Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates.

I never gave EQUIFAX written consent to report anything on my consumer report, no consent is identity theft.

In accordance with 15 USC 1681i. ( a ) ( 1 ) ( A ) - if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Clearly, federal law requires Equifax to respond to my dispute within 30 days of the dated return receipt, which I have attached. They have failed to respond within that time period in violation of my consumer rights via the FCRA and must now delete the disputed items of information mentioned in the original letter, which I have also attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I already reached out to the credit bureaus and to BK OF AMER for the account number XXXX and notify them of their error posting for this account. I DO NOT OWN THIS DEBT, and I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. Continued reporting of this inaccurate and UNVALIDATED debt. I thought they had dutifully complied to the law to cease any collection efforts unless proper validation has been provided. Then I found out that the issue still persists, I just had to escalate to CFPB.

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 2021-04-18 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: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I already reached out to the credit bureaus and to SELECT PORTFOLIO SER for the account number XXXX and notify them of their error posting for this account. I DO NOT OWN THIS DEBT, and I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. Continued reporting of this inaccurate and UNVALIDATED debt. I thought they had dutifully complied to the law to cease any collection efforts unless proper validation has been provided. Then I found out that the issue still persists, I just had to escalate to CFPB.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
I canceled my PMI effective XXXX. I received a letter from Well 's Fargo stating PMI was canceled. Well 's Fargo continued to charge me for PMI from my escrow account. They have taken 11 payments after the cancelation.

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 2021-04-18 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:
Back on the XXXX of XXXX I sent letters regarding some inaccuracies on my credit report that came to my attention. Its been almost 3 months and well over 2 months sent a sent letters informing the bureaus of my complaints but have yet to get a response. I just need these inquiries that were unauthorized to be taken off my credit report. This has affected my plans to apply for more credit with these existing on my report. It has been quite frustrating and I'm not sure what else to do but contact you all here and leave a complaint. I believe my information could have been impacted by the XXXX  date breach as well. I'm not sure if this possibly has an effect or not but I just felt I should mention this. According to Section 611 ( a ), failure to to investigate these disputes in a certain amount of time gives reason to remove these inquires as it has been over 60 days! Please I need these inquiries to be verified and removed after the investigation as I know these are unverifiable. Please delete, 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 2021-04-18 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance to 15 usc 1692 cc2 I have invoked my creditor status and notified experian, XXXX, XXXX, and XXXX that I am creditor over all accounts in the name of XXXX XXXX are to be replaced as paid as agreed never late for all negative accounts. 15 usc 1681b permissible purposes the reporting agency must place or remove what ever the consumer request and has not changed the creditor score to that of a creditor as requested nor has the master or full file requested been received. 28 usc 3304 prevents the transferring of a debt after creation and once sold the debt is no longer to a third party without a contract. So all debt collectors are fraud without contract with consumer.

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 2021-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Complaint # XXXX It has been longer than 30 days and Experian has not sent me verifiable evidence of these accounts listed on my credit report. I want these items deleted from my credit report per the Fair Credit Act 609. 

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