vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-22 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: FL

Complaint narrative:
I am writing to you because you are my last attempt as I can not understand why unknown accounts are in my credit profile? These accounts are not related to me or to any my transactions I do not know the at all. I do not recognize them at all I just assume that this is a big mistake or someone made a fraud and used my personal information. However I do not want to this mistakes in my profile. Please delete them ASAP because everyday I am loosing a lot of money because of their existence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I had a check that was presented on my account that I had written to XXXX County. The account I made sure had funds to secure the amount of the check. The check cleared on XX/XX/XXXX leaving a balance in the account at that time of approximately {$4.00} when I checked the account status around XXXX this day. I then went into XXXX and ordered a Tea with the purchase amount of XXXX at XXXX. This left a balance in the account at the time of approx XXXX or so. I then around XXXX went to XXXX where I made a purchase of {$20.00} transferring the exact amount of the purchase into the account to cover the cost. I then made an additional purchase doing the same thing at XXXX and transferring the exact purchase amount as well and did the same thing with 2 other purchases as well. On the morning of XX/XX/XXXX I then discovered Wells Fargo charged me an overdraft fee of XXXX for the check of {$50.00} saying funds were not sufficient at the Time. This was not possible as funds were available and my account had the remaining XXXX in it that I used to purchase XXXX after the check had cleared the account on XX/XX/XXXX. When I called to explain this to the customer service at Wells Fargo they insisted that it was valid and only removed half of the charge from my account. I have had this happen in the past several times with this bank and have already made a complaint because of it and the times of which a ledger goes through in which are not standard banking hours etc and or being charged fees when I know the account was sufficient to cover. I feel this is not an honest and fair business practice and how many other people are being charged in order for the bank to make gains and insisting on The customer being wrong rather than taking responsibility of the mistake

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 2021-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I have reached out to this company a total of 6 times within the past year and have never received an answer regarding information on my credit report. I requested for this company to complete a fair investigation, Not only did this company fail to do that but they are knowingly reporting false information on my credit report. Many account have been illegally re aged, many collection agency accounts show a past due balance, many have the incorrect balances. At this point the credit bureau has absoublely disregarded every single one of my request! This is illegal and i need help rectifying the erroneous reporting on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CBC Companies, Inc.
State: CO

Complaint narrative:
Was told that I need to file a fraud report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
Was told that I need to file a fraud report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-22 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: FL

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. 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. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
Was told that I need to file a fraud report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
I have tried to communicate with Old navy credit card and I continuously receive the run around. I called and spoke with a rep last year regarding this account. I paid the account in full and asked that the account be closed at the time of that call. After reviewing my credit report and researching on my own when I paid the account in full and asked for it to be closed the rep should have notified me that the amount I paid was the not the full balance. So basically from XXXX until XX/XX/2019 XXXX XXXX was reporting late payments stating that I owe them XXXX $ ( XXXX ) dollar. I had no knowledge of this until I saw my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
I am a spouse of an XXXX XXXX serviceman. My current mortgage company is United Wholesale Mortgage. We refinanced and closed XX/XX/XXXX with a deposit into escrow because property taxes were coming due. I was alerted the taxes were not paid XX/XX/XXXX and called the company to see what the delay was. I was assured that the taxes would be paid and received several follow-up calls assuring me that the problem was handled. In the end of XXXX this year I was again alerted that my property taxes were still not paid. I contacted UWM and was again assured the taxes will be paid and they were on the situation. I received several calls without resolution of the problem. 2 weeks ago I began insisting that I was explained what the problem was. I was told that we were tax exempt ( which we are not ) and was told they had no intention of paying with the over XXXX XXXX dollars of money currently in escrow. They said they were only going to pay the home insurance with the money which makes no sense as that is only {$1000.00}. I contacted the XXXX County Assessor 's office and they were very helpful in finding out the mortgage company was using the wrong parcel number ( Assessor 's ID ). I again alerted the company to this error and sent my copy of the current tax bill expiring XX/XX/XXXX on XX/XX/XXXX along with the conversation with the XXXX County agent. I again received a follow-up call stating that they couldn't pay the bill yet. They told me they contacted the XXXX County Assessor without changing the parcel number. I asked if they could close the escrow account and give me the money to pay my taxes or just simply pay the taxes immediately. The penalty fees are currently {$360.00} but will probably be doubled because they once again missed the deadline. At this point in time they still have not resolved the problem and my taxes are unpaid about 5 months late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
On XX/XX/XXXX, I inquired about a car at XXXX XXXX XXXX, XXXX XXXX XXXX. I provided my information to begin working on a deal for this specific car. After they ran my credit, they informed me that the car had already been sold that morning. The car not being in stock would have nullified going forward with the process of running my credit but they proceeded to do it anyways. There was no resolution other than offering to find me another similar car, which they sent ONLY blurry pictures of, and no information such as mileage or price AFTER i reached out again for resolution.

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 2021-04-22 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: BSI Financial Holdings, Inc.
State: CA

Complaint narrative:
During Covid times, I was given a forbearance from XXXX until XXXX of 2020. I was then modified and told that during the forbearance /modification " NOLATES will be reported '' This was reported and all of my credit is ruined.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This is a typical experience I have been going through for years, but reached a new high this time. I have preserved the recorded phone message that I got an hour ago from ( XXXX ) XXXX " unavailable '', stating that Amazon received a purchase order for {$790.00} from me. I did no such thing and did not call the number back. I will independently try to contact Amazon later to ascertain whether such a transaction took place. Since I have not heard directly from Amazon, I feel that this is a spoof call -- but am not sure. I get dozens of these calls per week and, frankly, ignore all of them or hang up the phone once I do not recognize the number and/or listed " unavailable ''. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
This complaint is follow up to my two initial complaints regarding this matter from 2019 ( XXXX & XXXX ). An ACH was credited to my account, and it is my understanding that there was a name mismatch. Capital One has placed the account in a restricted status and in their last response to me, told me that the funds are being sent back to the originator. However nearly two years after this problem has started, the funds are still held in this account and have not been sent back to the originator. And now, I am receiving a 1099-INT for funds that Capital One has. I requested this account be closed long ago, but it has yet to happen. And now Capital Ones failure to act is resulting in tax implications for me. As I stated previously : they can close the account and return the ACH. But now they are saying Im receiving interest payments that I am not the beneficiary of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
date XX/XX/14 looking at my credit report you are reporting inaccurate information from XXXX. XXXX you are listing this account as a CHARGE OFF not a repossession which is a violation. 2nd the high balance isnt the same balance. XXXX/transunion is reporting {$27000.00} and XXXX is reporting XXXX if you all are getting the information from the same collector why are the numbers different? 
this needs to be deleted off all 3 of my credit reports immediately. Also after numerous times of asking a representative they could never VALIDATE this inaccurate debt. 

plz see attachment below

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 2021-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
I am a XXXXr in the XXXX and will be moving to XXXX  in XXXX. I have been looking for apartments online and found a 2 bedroom 2 bathroom apartment for rent at XXXX XXXX XXXX unit # XXXX, XXXX, HI XXXX. It was listed on the XXXX website who works with XXXX. I emailed the broker, XXXX XXXX. He emailed back saying they could hold the apartment for me if I sent the {$2800.00} security deposit and {$2800.00} 1st months rent, so {$5600.00} total. He also sent a non-binding lease and said if I don't like the apartment in XXXX, we can cancel the lease and get our money back. I signed the lease, XXXX XXXX ( real estate broker ), and XXXX XXXX XXXX ( land lord ) also signed the lease. I then sent the {$5600.00} from my USAA account to XXXX XXXX XXXX XXXX account, account # XXXX, routing number XXXX on XX/XX/2021. XXXX emailed back confirming receipt of the payment and said we could do a XXXX meeting on the weekend of XXXX XXXX to view the apartment, as the current renter 's lease was up the 9th. I said either day would work and asked what time. After that I never heard back. Throughout the next week I sent 4 follow up emails and left 2 voicemails at both his numbers, XXXX and XXXX, with no response. I then filed a dispute with my bank ( USAA ), as I'm now realizing it was a scam. My bank contacted XXXX XXXX  and they were unable to recover the funds and I will not be receiving any of the {$5600.00} back. USAA has told me there is nothing they can do, as the fraud department was unable to recover the funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 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: Consumer Portfolio Services, Inc.
State: MD

Complaint narrative:
After noticing an entry on my credit report from Consumer Portfolio Services , Inc. ( CPS ), I disputed it. The dispute was sent to all three ( 3 ) credit bureaus, as well as CPS directly. I did not receive a response until after I filed a complaint with this agency ( please see their response attached ). I followed the instructions provided in their response which reads as follows : " ... If you still insist this is a matter identity theft, please file a police report with your local police department and send it to our Credit Report Response Team for investigation at Consumer Portfolio Services , Inc., Attn : Credit Report Response Team, XXXX. XXXX XXXX, XXXX, CA XXXX ... '' I sent another letter, with police report enclosed. I then received a vague response, not remedying the problem. I replied with another letter asking for clarity. More specifically, what outside of the police report they requested, do I need to have this entry removed. They did not reply. Therefore, I still lack the clarity necessary to remove this fraudulent entry from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Debt was paid in full, Credit line was opened XX/XX/XXXX and last reported on credit on XX/XX/XXXX. Under the Fair Credit Reporting Act, We never received any written, oral or email notification that this account was going to collection or would be reported to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 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: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
It has been over a year since I've tried to reach out to these companies about validating the information reporting on my credit report. Can you please help me resolve this issue. It has been interrupting my life and holding me back. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 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: NY

Complaint narrative:
I am writing to delete the information in my file. The items i need deleted are listed in the report. I am a victim of Identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and i also have enclosed copies of the Federal Trade Commission 's Identity theft affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house and a car to provide for me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 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: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX ... XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I tried to transfer {$150000.00} from CITIbank to XXXX bank on XX/XX/XXXX, in an effort to close my account with CITI. The funds appeared in the XXXX account, but the transfer was canceled by CITI on XX/XX/XXXX and the transaction reversed. I made a second attempt to transfer the balance ( {$150000.00} ) on XX/XX/XXXX and experienced the same issue. On XX/XX/XXXX the transaction was canceled by CITI and the funds returned to my CITI account. I called CITI on XX/XX/XXXX twice and spent nearly two hours on the phone trying to understand the problem. They tell me my account is locked because there was questionable activity. I confirmed that the activity was initiated by me, the sole account holder. They won't lift the hold. I try again to resolve the hold on XX/XX/XXXX. They disconnected me twice after 40 minutes. I tried again on XX/XX/XXXX. After another 40 minutes they promise to call me when they have it figured out. No call-back. I try again on XX/XX/XXXX. I ask for escalation and insist on talking with a supervisor. They tell me that the hold can't be lifted. They offer to send me a check in 60 days. I told them that I haven't had access to my money for three weeks. Another 60 days is unacceptable. They ask me to hold. After 2.5 hours on the line, they disconnected me. Again. I can no longer tolerate the frustration. I need access to my money. Please help.

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