vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-27 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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 45 days later I have not received a response yet. I feel like I'm 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 30 days gives a reason to immediately remove those items from my credit report. It has been more over 60 days so they 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 Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 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: MO

Complaint narrative:
Submitted a request for one of three free annual credit reports with Experian credit reporting, about a week after I saw an unauthorized transaction with expirian on my banking statements. I did not provide my information nor authorization for Experian to charge. This is a fraudulent charge placed by the company without my awareness. Experian should not be permitted to access accounts to post charges without permission that it has gained access to in the credit reporting process.

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 2020-10-27 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Andrews & Cox, P.C.
State: AL

Complaint narrative:
I have been working with a legal firm, XXXX XXXX, to resolve a debt owed to XXXX XXXX. There was a judgement against me which was handled by Attorney XXXX XXXX phone # XXXX. A payment of over a XXXX dollars was made to the office of Mr. XXXX by XXXX XXXX and I made an additional payment earlier this month as agreed. This morning I looked at my bank account and it had been completely garnished, along

with my savings, and the two savings accounts of my XXXX  adult children. I have acted in good faith and made every attempt to make payments and resolve this issue. At this very moment I can't even buy groceries or put gas in my car because these unscrupulous people have taken all my available funds. How can I work and function to resolve this when I can't buy groceries or put gas in my car to get to work??

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I received a message via messenger from who I thought was my boss. After conversing back and forth. My " boss '' gave me a name of a person from the federal government that was working on giving people grants and he said he got one for his business. I am in the process of starting my XXXX  XXXX, so i was interested. My " Boss '' gave me the information to text the " Fed '' guy and to ask to be set up to apply for a grant. So I did. He ask me for the following : My name, address, mothers name, my birthdate, age, email, job position, my phone carrier and my phone number, marital status, income and what mode of deposit do i want and a copy of my drivers license.

Unfortunately, i sent all this information.

Than he said depending on how much the grant I want I need to send them money which would cover the taxes on the grant. Which I did through bank transfer.

He asked me to send him a copy of the deposit receipt into the " federal government '' bank account through my bank.

- I was scammed via a bank transfer to another Bank of America account. When I found out it was a scam I immediately contacted Bank of America, my bank to cancel the transfer which was not finalized & they said they could not do it & to call the next day.
I called today XX/XX/XXXX and basically they said theres nothing they can do even though the scammer has an account with Bank Of America. I lost {$2000.00} from a scammer using of Bank of America.

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 2020-10-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I opened up a secure card with Capital One in XXXX XXXX 2019., I had one missed payment was by complete accident in XXXX of 2019 due to a month of financial hardship due to overwhelming car repairs, I tried many and multiple ways to come into an agreement to have the missed payment removed since I paid it immediately once I was able to, I offered to do automatic scheduled payments and still was not getting any kind of help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
Approximately 3 weeks ago I received a debt collection call from Bank of America stating I was 3 months behind on my mortgage. I explained this was not possible because I am on auto draft on a pay plan XXXX which I pay double payments. They said there system upgrade malfunctioned in XXXX, {$4400.00} plus dollars of my funds were sitting in a holding account because the system did not no what to do with my funds. They stated they would move the funds back but that the system was not fixed so I would need to speak with the resolution team to fix future payments. Resolution states future payments will continue, go in the holding account and they will manually move them until the issue is fixed. My funds are still not back in my mortgage account, XXXX payments were not even withdrawn from my checking and I have reached out 8 times to no avail. I am receiving debt collection calls, which I have asked to stop but am being told because the money is not fixed yet they call before reading the notes. I need help. I need the collection calls to stop, my funds in my mortgage account and XXXX and future funds deducted as they should be and posted. Managers have promised to call but don't, my loan officer trued to escalate as well. I am concerned for my good credit if this is not resolved promptly.

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 2020-10-27 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:
THE ACCOUNTS/INQUIRIES LISTED ARE FRAUDULENT SOMEONE USED BY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE ACCOUNTS I AM VICTIM OF IDENTITY THEFT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 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:
THE ACCOUNTS/INQUIRIES LISTED ARE FRAUDULENT SOMEONE USED BY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE ACCOUNTS I AM 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 2020-10-27 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP
State: PA

Complaint narrative:
Thank you in advance for your help. 
On XX/XX/XXXX, when I attempted to withdraw cash from ATM, I noticed there was {$4000.00} discrepancy in my balance on my Pennsylvania US Bank Reliacard, which was issued to me in XXXX when I applied for Unemployment. 
I immediately called US Bank to report this. I was told there were 2 unauthorized fraudulent transactions of {$2000.00}, electronically transferred from this card to a personal checking account, which was obviously not done by me. I was told a fraud investigation would start immediately. 
I was told the card would be inactivated immediately, and it was. 
A new card was sent to me ( {$15.00} charged to me to have it send overnight ) I activated the new card, which was used just a few times. 
A few days later, I received a letter in the mail from USBankReliacard. It said " Thank you for the change of address. It has been updated in our records '' I have NEVER changed my address. I have been living here since XX/XX/XXXX. When I called them, I was told " Don't worry about that letter, it is computer generated, means nothing ''. 
Shortly thereafter, I went to use my card, and it was declined. I called them again, and was told " A red flag was placed on your new card, the money on the card is on hold '' When I asked why, I was told " due to the address change ''. 
I have been calling them daily, have faxed numerous documents to them several times. These documents include Drivers License, W2, pay stubs, etc. They have received everything they asked for, verified on the phone with me. 
As of this date, XX/XX/XXXX, this money is still on hold. 
Every time I call, I get a different person on the phone, with different instructions, different fax #, different stories. 
I spend countless hours just trying to resolve the hold on the money. They also hang up on me, without even speaking to me, due to the extreme amount of calls they are getting. 
I was told that there are 12,000 cards on hold right now, just in PA, due to the amount of fraud that is going on! 
Please help me as soon as you can. I have no money at all. I am sure there are many, many other people in the same situation. It is very sad. I am unable to pay any bills, such as rent, car payment, car insurance, utilities, etc. 
I do realize the fraud investigation can take up to 45 days. When I talk to Customer Service, I am told that is a separate issue. I was also told that I would receive updates concerning the investigation, and have not received anything.

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 2020-10-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
XX/XX/2018 I was trying to get ahead on a monthly recalculating mortgage. I realized that is impossible. During the process a payment check of mine was cashed by Mr. Cooper. The payment was originally applied to my mortgage. Then it was reversed. Then the payment went to unapplied funds and then it disappeared altogether. 
I contacted Mr. Cooper right away. For 2 years I have been trying to fix this with Mr. Cooper to no avail. I have called and written, originally through the RESPA requirements. I got nowhere with that. I am now reaching out to CFPB to see if you can help me. I need to have the lost payment applied as of XXXX of 2018 and ALL subsequent payments recalculated to bring my mortgage balance down to where it should be. I have been overcharged on my mortgage interest and have carried an incorrect balance for 2 years. Also, I did print out a computer generated payment history which has all transactions numbered. The numbers I have are 1-185. There are several missing entries. One of the missing entries is at the time of this missing payment. Can CFPB help me? I am a senior. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: RFNA, LP
State: AL

Complaint narrative:
I have been working with a legal firm, XXXX XXXX, to resolve a debt owed to Republic Finance. There was a judgement against me which was handled by Attorney XXXX XXXX phone # XXXX. A payment of over a thousand dollars was made to the office of XXXX XXXX by XXXX XXXX and I made an additional payment earlier this month as agreed. This morning I looked at my bank account and it had been completely garnished, along with my savings, and the two savings accounts of my XXXX adult children. 

I have acted in good faith and made every attempt to make payments and resolve this issue. At this very moment I can't even buy groceries or put gas in my car because these unscrupulous people have taken all my available funds. How can I work and function to resolve this when I can't buy groceries or put gas in my car to get to work??

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I filed chapter XXXX, XXXX yrs ago and that house has been sold two times since however Wells Fargo keeps reporting that mortgage to my credit that has already been discharged. I have been trying to buy new home and even with proof i am not able to buy home bc Wells fargo will not remove.

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 2020-10-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sa-Vit Enterprises, Inc.
State: NJ

Complaint narrative:
I notice on my credit report a collection which has appeared from Savit collection, The date of service was on XX/XX/2019 yet Savit Collection is reporting this since XX/XX/2019, Based on the XXXX XXXX XXXXXX/XX/XXXX Plan This should not have been reported prior to 180 days.

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 2020-10-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Received a text from XXXX XXXX XXXX XXXX stating Chase Bank : Based upon recent suspicious activity, we have identified that your account may potentially be at risk. Visit https XX/XX/XXXXto verify your account now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 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: MI

Complaint narrative:
it has been more than 30 days since i have mailed in my disputes and ftc report to Experian and i have not heard anything from experian at all. they are playing with peoples lives, not doing there jobs acting like they have not received peoples disputes or ftc reports. the inquires listed on my FTC REPORT are fraudulent inquires and should be deleted immediately. i have filed a identity theft report to the ftc and included that report along with my disputes. there will also be a copy of my social security card and state id so Experian can identify me and not close this complaint out by saying i didnt send this complaint or this is not authorized by me XXXX XXXX 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 2020-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Client Services, Inc.
State: TX

Complaint narrative:
I am not XXXX XXXX, do not know XXXX XXXX and they call and call and call and every new number is blocked and they spam call and spam dial non-stop. This is clearly illegal and this is a cell phone which is prohibited by law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I had my XXXX Loan deposit into my personal account, I did not know I needed a business Loan for my sole proprietor XXXX XXXX. I tried to withdraw funds from bank this morning and I was told my account was locked until I provided XXXX, XXXX, and tax documents. But those things were not and are not required to get a loan from the XXXX. I want my funds returned to me and account unlocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 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:
There's a woman by the name of XXXX XXXX who is now married and her name is now XXXX XXXX. She lives in XXXX Minnesota and she has been using my name in social security number to rent houses and apartments. I have tried several times since 2012 to reach out to this young lady and ask her to stop. Her only words to me was prove it. I have all the addresses which is attached with this complaint.

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 2020-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
In complaint against XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX states : XXXX. With the encouragement of federal and state authoritites, on or about XX/XX/2020 I applied to XXXX for mortgage forebearance and associated accomodations for a period of three month due to a C0-Vid financial hardship. 
2, In response, XXXX agreed to make an accomodation with me to forbear from the collection of any payment for XXXX, XXXX and XX/XX/2020. 
3. XXXX further agreed to accept double payments for XXXX, XXXX and XXXX, 2020 being automatically withdrawn from our checking account on the XXXX of these months in lieu of the normal deadline of the XXXX of each month. 
4. Nevertheless, in direct violation of the agreement, XXXX reported me as deliquent in my paymentsfor XXXX and XXXX despite my timely payments. 
Negligent reports were made to Trans Union credit rating agency.

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 2020-10-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Synovus Bank
State: TX

Complaint narrative:
On XXXX I applied for a secure credit and deposit XXXX furthermore, I paid XXXX for the card to be expedited. The approval process was taking to long and I request the application to be canceled. Upon canceling my order I spoke to a bank representative and requested for my refund to be send via check. I have made several calls to this bank for refund and till today I have not received my money. On XX/XX/2020 I send a fax stating that I want refund by check as requested by the last rep I spoke to. This request was faxed to XXXX number given by rep.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
On XX/XX/2020 I opened up a XXXX credit card and made a purchase of {$1900.00}. The point of me opening up this credit card was to receive the 0 % financing over 18 months that the card offered on purchases of over {$1400.00}. Later I came to realize that from the beginning they charged me interest on my purchase. When I brought this to there attention they told me that too much time has passed and they cant refund the interest they charged me and continue to charge me interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have an account with XXXX XXXX XXXX in New Mexico. The account was late in XXXX of 2020. 

During COVID-19, the industry standard has been to either remove late payments during the pandemic or to update the item to reflect " affected by natural disaster ''. 

I disputed this as such for XXXX and the item remains unchanged. Why is this one credit union discriminating in this national disaster? 

CFPB should publish this on consumerfinance.gov. An entire population is creating an artificial lowering of the average scores in the country because of individual companies who refuse to help consumers during this time of national need.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 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: GA

Complaint narrative:
Someone used my information to open accounts up in my name

Company response to consumer: Closed with explanation