vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-13 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: NY

Complaint narrative:
On XX/XX/2020, of this year, Experian was asked to remove delinquency off of my credit report because there is no back child support owed. I personally called Experian over the phone to file this dispute back in XXXX and upload the letterhead from child support from XXXX XXXX a child support worker to the Experian website and I thought this was all taken care of. But when I applied for a loan this derogatory language was still on my credit report stated the account was terminated for default meanwhile this child support account XXXX is still active with XXXX back child support. This is a violation of Fair credit reporting act because this delinquency was asked to be removed by the XXXX of New York child support enforcement agency. Experian did not follow the credit clear letterhead asking them to remove this delinquency back in XX/XX/2020. This is a negative item on my credit report that stops me from getting approved for a loan during a pandemic when having access to funds is desperately needed. Child support can garnish your taxes, wages, freeze your bank account, suspend your passport, license, and even have the power to put you in jail. I would hope to believe child support doesn't want a working father trying to pay their child support not to have a delinquency on their credit report for 7 years is the reason why they gave me hard evidence of a letterhead asking Experian to remove this from my credit report. Experian needs to follow the state of New York child support letterhead and remove delinquency for my credit report. If Experian does not remove this negative item this time I will file a lawsuit in the Supreme court for relief of my losses. My child support account should be XXXX balance with no delinquency. Using child support to destroy a person 's life for 7 years when they owe XXXX back support does not seem fair.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NE

Complaint narrative:
The morning of XX/XX/XXXX my USAA checking account had an unauthorized charge. While I was on hold with the USAA someone made two more purchases on my account. I was originally told I would see my funds in 3 calendar days. After that they told me it was three calendar days from Monday XX/XX/XXXX. After that I was told it was 10 buisness days. On Friday the XXXX of XXXX I was told there was never a claim issued. On XX/XX/XXXX I was told there was a claim file on XX/XX/XXXX and another filed on XX/XX/XXXX. Finally today XX/XX/XXXX a XXXX called me and said they have 10 business days to resolve the claim, which would put them at today XX/XX/XXXX, but their fraud department is backed up. After talking to the bank this morning there is no plan to issue my funds today. I am out almost {$2200.00} from my checking account and after today those funds have been missing from my account for 14 calendar days and 10 business days.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALEXANDER-ROSE ASSOC, INC.
State: WI

Complaint narrative:
Found a letter recently from Alexander and Rose Associates claiming that I owe and INSANE amount of money and along with the letter they sent a copy of a fraudulent lease they crossed out the end date of lease to XX/XX/XXXX. My lease states XX/XX/XXXX which I no longer lived there after XX/XX/XXXX. They crossed out the date and WROTE IN XX/XX/XXXX. I also believe they signed the property managers name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 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: Red Rock Financial of Cedar City
State: UT

Complaint narrative:
Red Rock Financial is reporting erroneously on my credit file. They are reporting a balance on a account that has been paid. I have a letter stating the account was paid. This has now been reporting and ruining my credit for the past 9 months. I want this account removed/fix. It has caused way too much damage when I have paid this acount off a while ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am a victim of identity theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently came across my updated 3 bureau report and noticed that my credit scores drastically changed.

I was very disappointed so I went over it and found out that I am a victim of identity theft. Knowing my rights under FCRA 605B ( 15 U.S.C. 1681c-2 ), I want you to Block the information resulting from Identity Theft. These accounts do not belong to me. I am writing to request that you block or remove the following fraudulent accounts from my credit report immediately : The information provided is not relating to any transaction by the consumer. I have enclosed a copy of my Identity Theft Report and a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft FCRA 605b ( a ). Please let me know if you need any other information from me to BLOCK OR REMOVE this information from my credit report.

Please kindly DELETE this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 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: FL

Complaint narrative:
I have repeatedly asked for evidence to support XXXX  's reporting, but yet again, the company has failed to provide me with a copy of any viable evidence submitted by DeptEdXXXX, XXXX XXXX, and XXXX XXXX substantiating their claims. 
Furthermore, I have requested your method of verification, and XXXX  have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ).

Given that I believe you are acting in bad faith, and have not complied with the Fair Credit Reporting Act, I am fililing a complaint. I sent them several certified letters dated, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have not received any reponse from the credit bureau.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 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: FL

Complaint narrative:
I have repeatedly asked for evidence to support XXXX 's reporting, but yet again, the company has failed to provide me with a copy of any viable evidence submitted by DeptEdXXXX, XXXX XXXX and XXXX XXXX substantiating their claims. 
Furthermore, I have requested your method of verification, and XXXX  have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ).

Given that I believe you are acting in bad faith, and have not complied with the Fair Credit Reporting Act, I am fililing a complaint. I sent them several certified letters dated, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have not received any reponse from the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 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: Aldous & Associates, PLLC
State: UT

Complaint narrative:
Aldous is reporting a debt on my credit file that I do not owe. I recently checked my credit file and noticed this debt. I called and paid it immediately. I had never received a phone calls, notice or letters about this debt and that violates my 30 day right to dispute. I need this account removed/fixed ASAP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently came across my updated 3 bureau report and noticed that my credit scores drastically changed. 
I was very disappointed so I went over it and found out that I am a victim of identity theft. Knowing my rights under FCRA 605B ( 15 U.S.C. 1681c-2 ), I want you to Block the information resulting from Identity Theft. These accounts do not belong to me. I am writing to request that you block or remove the following fraudulent accounts from my credit report immediately : The information provided is not relating to any transaction by the consumer. I have enclosed a copy of my Identity Theft Report and a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft FCRA 605b ( a ). Please let me know if you need any other information from me to BLOCK OR REMOVE this information from my credit report.

Please kindly DELETE this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 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: CA

Complaint narrative:
I recently came across my updated 3 bureau report and noticed that my credit scores drastically changed. 
I was very disappointed so I went over it and found out that I am a victim of identity theft. Knowing my rights under FCRA 605B ( 15 U.S.C. 1681c-2 ), I want you to Block the information resulting from Identity Theft. These accounts do not belong to me. I am writing to request that you block or remove the following fraudulent accounts from my credit report immediately : The information provided is not relating to any transaction by the consumer. I have enclosed a copy of my Identity Theft Report and a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft FCRA 605b ( a ). Please let me know if you need any other information from me to BLOCK OR REMOVE this information from my credit report.

Please kindly DELETE this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I have covid ... I went to the bank and told them that through the intercom in the Drive-Thru and they refused to give me a replacement debit card! They were screaming the fact that I had covid over the loudspeaker loud enough for everyone in line to hear it ... .and when I called the bank they weren't even able to handle it ... the manager of the bank was hanging up on the customer service person. It was unprofessional and XXXX. I have been a customer for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian keeps telling me and my husband the same over and over that is not me disputing accounts on my report. I have sent Experian many disputes and have included MY DRIVER LICENSE and copy of MY SOCIAL SECURITY CARD several times to validate my identity. Yet Experian is saying that It is not me who is disputing these accounts affecting my credit. Do they need a DNA test to proof its me? In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. If the information requested can not be verified, remove this accounts from my report immediately. 1- XXXX XXXX  XXXX XXXX - Reported XX/XX/XXXX 2- XXXX XXXX  - Reported XX/XX/XXXX 3- XXXX XXXX XXXX - Reported XX/XX/XXXX 4- XXXX XXXX  XXXX - Reported XX/XX/XXXX 5- XXXX XXXX - Reported XX/XX/XXXX 6- US Dept of Edu - Reported XX/XX/XXXX 7- XXXX Reported XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
I was offered a job and the company sent me a check to deposit in my bank account. The next day, I was coax to send part of the money through Cash App to a vendor that would supposedly buy the software I would need for the accounting job I was offered. After sending the money as directed, my cousin that I was in contact with told me it might be a scam! I tried reaching Cash App to alert them but there was no customer care phone number to contact. I notified my bank and was advised to contact Cash App which I did through email because there is no customer care phone number to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
The following credit inquiries listed on my Experian credit report are fraudulent, unauthorized and not my credit inquiries : XXXX XXXX, XX/XX/2020, XXXX  XXXX XXXX, XX/XX/2020 and XXXX XXXX XXXX, XX/XX/2020

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 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: GA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 40 days later I have no received a response yet. I feel like im being taken advantage of and being ignored of my disputes. section 611 ( a ) it is plainly stated that a failure to investigate these items within 40 days gives a reason to immediately remove those items from my credit report. it has been over 40 days and by time you get this about 50 days, so it should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the wrong hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XXXXIn XX/XX/XXXX I protested the value of my property that Bank of America gave me a mortgage for in XXXX. 
-The property value dropped from {$720000.00} to about {$670000.00}. 
-At about the same time, Bank of America notified me that my monthly amount went up because they were applying the escrow amount on {$720000.00}. 
-Beginning in XX/XX/XXXX through XX/XX/XXXX, automatic payments were made to Bank of America , but BOA rejected the payments because they did not match the escrow amount based on {$720000.00}. 
-Bank of America charged me late fees XXXX XXXX. 
-Bank of America misreported this activity to the Credit Bureaus, dropping my credit score 100 points. 

-XX/XX/XXXX Bank of America mailed me a LATE CHARGE REFUND check for XXXX XXXX!!! 

-Bank of America needs to UPDATE THE 4 CREDIT BUREAUS that I was not actually late on any payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: WY

Complaint narrative:
We have been in the process of re-financing a loan with NewRez LLC since an initial application in XX/XX/2020. 
Numerous promises of immanent closing have been received beginning with the receipt of the Initial Disclosure Package dated XX/XX/2020. 
Because of the delay on closing from NewRez, the entire ( or portions thereof ) package of financial documents have needed updating several times, XX/XX/2020, XX/XX/2020, XX/XX/2020. 
There have been multiple inquiries from our end into the status of the process and most have not been responded to and when there is a response it is that the process is near an end. However, nothing other than requests for updated financial documents and more promises are received. 
We consider that there is easily ample financial backing to complete the process and see no reason for the continued delay. In addition considerable financial harm has been incurred because of excess interest paid on the current loan and loss of revenue from a premature sale of other investments. Total financial loss to date is approaching {$28000.00}. 
In summary : 1 ) NewRez has not made a timely credit decision.

2 ) NewRez has not provided any communication about any credit weaknesses that have caused the continued delay in processing or closing.

3 ) The delay by NewRez has caused financial harm due to the ongoing delays including added interest expense on the loan and lost income on investments.

4 ) Requests to have this situation resolved internally multiple times by email, mail and phone calls including requests to file formal internal complaints have all been ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Upon my mother 's death, we learned that her estate included two pending settlement checks. We discussed this with her local branch of Chase Bank in XXXX, Indiana and they recommended a joint account that they would set up to receive funds. We deposited a settlement check into this account on XX/XX/2020 for {$4500.00}. When we checked on the account on XX/XX/XXXX via our Chase BANK app, the account was gone. Neither of us received any notification that there was any problem with our deposit. Numerous calls, all of which involved me repeating the same information, resulted in their " customer service '' asking us to visit a local Chase Bank branch to get it resolved. My brother did and brought the requested documentation. The " relationship banker '' at the XXXX XXXX, Indiana branch took the documentation and then said our case was referred to " the executive '' with no explanation of who or what that was. All calls to the branch went to voice mail and they did not respond to our emails. Calling the corporate number and repeating the story AGAIN to new representatives showed that the branch had not forwarded the required documentation. The representative gave me a number to fax the required documentation to, which I did. I have now had to call and repeat all this YET AGAIN to a lower level customer support person who really has no idea what they need. This is, without a doubt, the most inefficient customer service I have ever encountered. We have acted in good faith from the beginning and Chase Bank treats us as if we did something wrong. Hours on the phone have resulted in getting shuffled from one representative to another, wasting hours of my time. And they still have our deposit, made in good faith, in " holding ''.

Company response to consumer: Closed with explanation