vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-28 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: CA

Complaint narrative:
I already reached out to the EQUIFAX and to the following accounts [ XXXX XXXX XXXX ACCOUNT NO : XXXX DATE OPENED : XXXX XXXX Balance {$19000.00} ; XXXX XXXX XXXX ACCOUNT NO : XXXX DATE OPENED : XX/XX/XXXX Balance {$6200.00} ; XXXX XXXX XXXX  XXXX ACCOUNT NO : XXXX DATE OPENED : XX/XX/XXXX Balance {$300.00} ; XXXX XXXX XXXX  XXXX XXXX ACCOUNT NO : XXXX DATE OPENED : XX/XX/XXXX ; XXXX XXXX ACCOUNT NO : XXXX DATE OPENED : XX/XX/XXXX Balance {$580.00} ; XXXX XXXX ACCOUNT NO : XXXX DATE OPENED : XX/XX/XXXX ; XXXX XXXX XXXX XXXXCOUNT NO : XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$1400.00} ; XXXX XXXX XXXX ACCOUNT NO : XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$850.00} ; XXXX XXXX XXXX XXXX Balance {$23.00} ; XXXX XXXX XXXX  Date opened XX/XX/XXXX ; XXXX ; Balance {$230.00} ] and notify them of their error posting for this account on my credit report. It does not compliment what the Credit bureaus may claim as '' 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, physical first-hand documentation of the payment history, and proof of last payment 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 response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 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: Continental Finance Company, LLC
State: MO

Complaint narrative:
My credit report reflects an account " Continental Finance '' in the amount of {$740.00}. I have ZERO idea who this is. I have, at no point ever, opened an account with this company. I disputed the item with XXXX and froze my credit and after hours of trying to get ahold of this company, talked to " XXXX '' who was to dispute this claim and report it as " fraud. '' I literally have no card, not a complete account number ( the one on the credit card is absent of the last XXXX numbers ). XXXX " investigated '' ( laugh laugh, cough cough ) and determined this was indeed my account. Strangely, this company has my mailing address as XXXX XXXX XXXX, XXXX, NY ( never been there, know absolutely nobody there, I reside in XXXX, MO ). Clearly, somebody isn't doing their job. Had real eyeballs been placed on this investigation, it would have been determined that I DO NOT OWN THIS ACCOUNT. This has been a nightmare. A literal nightmare. I'm exhausted. I have a child with a head injury and the time spent trying to fight this is unnecessary if people would do their jobs. At this VERY moment, I am on the phone with " XXXX '' from Continental Finance and she is emailing the statement of charges ( that aren't mine ). She's putting me through to the fraud department again, which won't matter. PLEASE HELP ME. PLEASE. Somebody with real, viable organs needs to investigate this. Not an electronic robot ... .by the way... .it 's XXXX getting through to this company without account 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 2022-02-28 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: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
After filing a dispute with XXXX about inquiries that are located on my credit report also supplying documentation from companies stating that the information on my credit report was incorrect and should be deleted all they did was update information instead of deleting the incorrect information. They receive documentation XX/XX/XXXX and updated the information the same date without verification

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 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: BANK OZK
State: GA

Complaint narrative:
I purchased my home on XXXX XXXX is my first home, and I have been struggling to understand this bank and my payment status. I am not clear on why my mortgage payments are reporting late on my credit report. I have contacted the Bank OZK mortgage department numerus times, and were told that my payments were current, but when I receive the statements in the mail its always show a balance, a pass due balance. In the beginning of my loan issues, I was talking with XXXX XXXX ( Mortgage Loan Originator ) He was very helpful in the beginning and he made it clear that it was an error on their part, and for me not to worry, they will correct it .I am sad to say no correction is made till this day. I have not spoken to XXXX since, he will not return my calls, so I was transferred to someone by the name of XXXX XXXX, ( XXXX XXXX XXXX XXXX XXXXXXXX ) she was pleasant to talk to but doesn't have a clue of what's going on. It's so frustrating. I am working two jobs and it is hard for me to keep calling this bank to inquire about this matter. My credit report is showing eight 30 day late, which is not true. Something is wrong, and it's not fair to me. I can not refinance because of this false information, and no one is trying to correct it. It is a nightmare to me and I will like to wake up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Fraudulent security trading, lending and consumer practices. Two investors claiming illegal right to property not entitled

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
i had unauthorize purchase made on my BANK OF AMERICA EDD PREPAID CARD, as soon as i found out about this, ,i contacted the bank, file the claim back in XX/XX/2021,,, the claim i file was for {$1600.00}, ,but the person who took my claim file it for {$14000.00} wich i call them an reported the error,,, well aperantly my claim got decline for thtat amount, so i have to re summit the claim with the right amount an basicaly they bein having me call evry week an file it again an again, ,an they still have not giving me the money that it was taken from me... just like it was me who bein callin them an reporting the unauthorize purchases on my card.but is like they bein making me go thru loops, ,an id gotten me nowhere with this people, ,i read on the their policy about tempory credit an in have not bein treated fair, ,i bein victimized by the person or persons who use my card an bein victimize by bank of america who has not invistigate my claim an living me with zero,, with no money an bein unemplyed cause of covid..

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 2022-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX XXXX debited my account on XX/XX/XXXX for the amount of {$140.00}. Also, XXXX XXXX XXXX debited my account on XX/XX/XXXX for the amount of {$85.00}. These are both unauthorized transactions. I sent a XXXX XXXX XXXX to Initiate Electronic Funds Transactions to each lender on XX/XX/XXXX. 

I called Bank of America 's dispute phone number at ( XXXX ) XXXX. Each Customer Service Representative that I spoke with denied my request to dispute the transactions on my debit card. Each CSR insisted that I contact the merchant first. The thing is I've already tried contacting the merchant. 

According to the CFPB, QUESTION 7 : If a consumer provides notice to a financial institution about an unauthorized electronic fund transfer ( EFT ), can the financial institution require that the consumer first contact the merchant about the potential unauthorized EFT before the financial institution initiates its error resolution investigation? 
ANSWER ( XXXX XX/XX/XXXX ) : No. A financial institution must begin its investigation promptly upon receipt of an oral or written notice of error and may not delay initiating or completing an investigation pending receipt of information from the consumer. See Comments 11 ( b ) ( 1 ) -2 and 11 ( c ) -2. For example, in XXXX XXXX, the Bureau found that the practice of requiring a consumer to contact the merchant before initiating an error resolution investigation was a violation of Regulation EXXXX Similarly, the Fall XXXX edition of Supervisory Highlights discussed instances where examiners found that one or more financial institutions had instructed consumers to contact the merchant instead of promptly initiating an error investigation.

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 2022-02-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Apparently, I owe {$130.00} to Nationwide Credit INC which I have never heard of before.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 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: CNG HOLDINGS INC
State: FL

Complaint narrative:
Received a bill from a collection agency for something I'd never seen or used. 
A credit card denial from a XXXX Bank that I never applied for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 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: GA

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-02-28 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Linebarger Goggan Blair & Sampson LLP
State: NJ

Complaint narrative:
On XX/XX/2022, I called the call center for the Law firm of Linebarger Goggan Blair & Sampson, LLP regarding alleged outstanding debt. The law firm represents the XXXX XXXXXXXX XXXX XXXX XXXX regarding collections. 

I first received a letter from this law firm sometime late XX/XX/2022. The letter was dated XX/XX/2022. I verbally requested a debt validation and proof of the dates I received the toll violations when I first called the law firm on XX/XX/2022 and was informed I need to do this in writing. I had already done this to XXXX XXXXXXXX on XX/XX/2022. I then faxed a validation letter to the collections law firm on XX/XX/2022. As far as I can tell even though I sent the validation letter to XXXX XXXX since the law office is representing them in the collections process they should have received that letter from XXXX XXXX and even if they didn't receive it from XXXX XXXX, I faxed a validation letter directly to the law office. Because of this they are in violation of the FCRA. 

Instead of receiving any validation of the debt, I received another collection letter on XX/XX/2022. That letter was dated XX/XX/2022. 

I should not be receiving any collection letter until the debt is validated. They are a law office, they should know this! It seems the letters are generated automatically as XXXX was going to remove my address so I would not receive any additional letters. 

Also on the letter it states " You have failed to respond to our correspondence and we are assuming this amount is valid ''. This even states on the first letter which would be impossible since it was the first letter to me from the law office. And definitely not true on the second since I called them shortly after I received it and then sent a validation letter. This seems like a unethical, if not illegal, tactic to get the debt paid without me questioning it. I believe another violation of the FCRA. 

No where on the collection letters does it state " This is an attempt to collect ... '' I believe another violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 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: MO

Complaint narrative:
My credit report reflects an account " XXXX XXXX '' in the amount of {$740.00}. I have ZERO idea who this is. I have, at no point ever, opened an account with this company. I disputed the item with Transunion and froze my credit and after hours of trying to get ahold of this company, talked to " XXXX '' who was to dispute this claim and report it as " fraud. '' I literally have no card, not a complete account number ( the one on the credit card is absent of the last XXXX numbers ). TransUnion " investigated '' ( laugh laugh, cough cough ) and determined this was indeed my account. Strangely, this company has my mailing address as XXXX XXXX XXXX, XXXX, NY ( never been there, know absolutely nobody there, I reside in XXXX, MO ). Clearly, somebody isn't doing their job. Had real eyeballs been placed on this investigation, it would have been determined that I DO NOT OWN THIS ACCOUNT. This has been a nightmare. A literal nightmare. I'm exhausted. I have a child with a head injury and the time spent trying to fight this is unnecessary if people would do their jobs. At this VERY moment, I am on the phone with " XXXX '' from XXXX XXXX and she is emailing the statement of charges ( that aren't mine ). She's putting me through to the fraud department again, which won't matter. PLEASE HELP ME. PLEASE. Somebody with real, viable organs needs to investigate this. Not an electronic robot ... .by the way... .it 's XXXX getting through to this company without account 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 2022-02-28 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I filed a claim with Bank of America on XX/XX/2022 regarding a transaction with XXXX  for {$770.00}, at which time I provided them with my plane boarding passes to show that what XXXX is stating regarding the item being delivered and signed for by me could not be valid as I was not in the state and I live by myself. On XX/XX/XXXX I received a letter dated XX/XX/2022 stating that the merchant has up to 45 days to respond to the claim. On XX/XX/XXXX I called into the BOA customer service number and spoke with a manager in the claims department that advised me that yes the letter is stating that the merchant has up to XXXX from the date the letter was sent which is XX/XX/2022 to respond to the claim and if the merchant does not respond I will be given back my money. On XX/XX/XXXX I called into BOA and spoke with a claim representative who advised me that the merchant has up to 90 days to respond and if they dont then the bank will reach out again for resolution. At this time I advised her that is not what the Bank of America letter says nor is that what was told to me by the previous manager, I requested to speak to a manager. At this time a manager came on the line and advised that with this type of claim they allow up to 90 days for the merchant to respond if the merchant does not respond within 90 days then they will followup with the merchant and they cant provided a time frame of how long it will take. I again advised the manager that I am holding a letter from BOA that says the merchant is allowed 45 days and I would like to have my money give back to me. The call was disconnected

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 2022-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
As of XX/XX/XXXX I have not received a 1098 form. I called the customer service number and a recording said that customer service was not available.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: FL

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 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: SC

Complaint narrative:
We have been trying to get credit disputes off my reports from all three credit bureaus so that we can get a mortgage we called, faxed and wrote all three agency 's with no resolve. We are not disputing charges and in fact paid some off.

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