vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-16 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: Receivables Management Partners, LLC
State: NC

Complaint narrative:
I have received a copy of my credit report and it shows company XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$140.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 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:
I have contacted all three Credit Bureaus/Agencies ( XXXX, Equifax, XXXX ) and the Creditors ( Bankruptcy Chapter XXXX, Bankruptcy Chapter XXXX, ( 2 ) XXXX XXXX XXXX, TN Child Support ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. I also contacted the bankruptcy court and it is clear that they do not report to any credit bureau for that matter ; therefore the response verifying the item with the court is an error. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 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 have contacted all three Credit Bureaus/Agencies ( XXXX, Equifax, XXXX  ) and the Creditors ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc.
State: MA

Complaint narrative:
On XX/XX/2021 I proceeded to send {$6000.00} dollars to my father in XXXX using REMITLY. I sent it using their app. I sent it using the Express option which guarantees a fast delivery, usually within minutes. The money was due to be delivered on the same day XX/XX/2021 but up until the filing of this complaint ( XX/XX/2021 ), the money has not yet been delivered and it reflects on the app as " IN PROGRESS ''. The transfer reference number on this as provided by REMITLY on its app is XXXX XXXX XXXX XXXX. 
I have called the company numerous times after the XX/XX/XXXX date but I have been given the run around each time with reasons such as " tomorrow is a holiday and we won't be operating tomorrow, kindly check back the following day '' to " the issue is with our partner bank '' and other nefarious petty excuses. Upon a simple internet search of the company, I was able to find that other numerous consumers have been reporting similar complaints against the company with most ending up being defrauded of their hard earned money by this company. I wish I had done this XXXX  search on them before doing business with them. 
This company is a scam and a fraudulent company that operating as a company that sends money internationally but ends up stealing a percentage of it's consumers monies. I believe they escape detection by ensuring the amount or the number of consumers they defraud remain below a certain amount to avoid being on the federal government 's radar.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 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 am the victim of identity theft and fraud. FTC Report Number : XXXX I sent out 605b and Notice to Furnishers 67 days ago informing all parties of the activities.

While Experian has made some effort to make corrections they have not made all of them. 

Similarly XXXX  has made some corrections, but not all of them. 

XXXX  has made no effort. In fact, unless I pay them {$24.00} I'm unable to even obtain my credit report directly from them. Similarly, during the worst of the fraud that peaked over a weekend, they stated they could only lock my credit if I paid them a {$24.00} fee. To this date they are difficult to work with, to XXXXhe point I have had to copy and paste sections of the FTC report into my public comments to show proof to potential lenders that I am at my witts end notifying them and they simply deny that I am and typically hang up on me. I have over 20 recorded phone calls to them and although I realize the calls are not admissible in court, they offer some satisfaction that I have some level of evidence of their disregard for consumer data. 

Credit inquiries I have disputed and the bureaus have not removed/removed all of ( in addition they have failed to provide the names of persons spoken to, the dates and times they allegedly spoke to them, the organization 's name spoken to, copies of my signature authorizing these inquiries, or ANY evidence they even did a legitimate investigation other than Equifax somehow magically finishing their investigations on the same day XXXX disputed the inquiry ... even if I disputed at XXXX at night! ) : XXXX XXXX, XXXX XXXX  XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX  XXXX, XXXX, XXXX, XXXX, XXXX  XXXX, EXPERIAN XXXX XXXX, XXXX, XXXX Addresses I have disputed within the FTC report to no avail or detailed evidence of investigation provided including my signature as proof the account is mine : XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX CT XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
My name is XXXX XXXX and I have a credit accounts with Bank of America. Since XXXX I have been trying to solve a fraud that was committed with my credit card number : XXXX XXXX XXXX XXXX and I am still not satisfied with the responses I have received from the bank. 

The first time someone used that credit card was on XX/XX/2018, at XXXX # XXXX, XXXX, IL that day they paid a total of XXXX, then in that same place they paid XXXX at that same XXXX, on same day at the XXXX XXXX # XXXX store ( XXXX, IL ) they first spent XXXX and then they spent {$33.00}, then at XXXX XXXX XXXX they spent XXXX, then they used a XXXX XXXX XXXX for XXXX and finally at the XXXX XXXX store they spent {$28.00} for a total of {$2900.00}. To inform you of all the expenses of the fraud, I am attaching a document from the bank. 

I have my own car, so I don't use taxis, I don't frequent Down town, since I live and work in XXXX, so my life takes place in the West of the city of XXXX, so I don't understand how these expenses were generated in my credit card. 

I presented my concern to the bank immediately when I discovered this situation, so I made a call on XX/XX/2018 and the bank decided to remove those expenses from my credit card, but the following month to my surprise they put these expenses back on me account, without prior notice, so I am not satisfied with this attitude of the bank towards me, I feel that this was mistreatment, I am XXXX and it has been very hard for me to communicate with the bank in this management. So when I saw that the expenses had been placed again I went to the bank and then they asked me to make a police report, which I made and delivered, they spent a long time without answering me and then I received a letter from the bank without a date like in the month of XXXX is as more or less I remember and in that letter they told me that I have to pay the sum of XXXX without even an explanation about the investigations that the bank did to make this decision. 

It has been a long time but ago but I have heard from this Consumer Financial Protection Bureau and I have decided to open a complaint against the Bank of America and have this case investigated accordingly.

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 2021-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: UT

Complaint narrative:
The website frequently does not operate. Going to make a payment will result with zero loans showing, unable to view past statements, and unable to make a payment. This has repeatedly happened. Several payments have posted late for the reason of the website not functioning. 

I have tried multiple browsers. Including, XXXX, XXXX, XXXX and XXXX.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have reviewed a copy of my credit report and I show company XXXX account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: KY

Complaint narrative:
I mailed a check in the amount of {$2600.00} on XX/XX/2021. {$610.00} was the regular payment with {$2000.00} going toward the principal. It cleared my bank on XX/XX/2021, but was never applied to my account. I have phoned the company 4 times, e-mailed twice ( with a copy of the cancelled check ), and mailed a letter ( with a copy of the cancelled check enclosed ). The last call I made I talked to XXXX. I asked to speak to a supervisor or anyone who could actually do something to correct the problem. He said no supervisor was available and even if there was one they would tell me the same. The company has all the aforementioned documents, but the amount has not been applied to my account. The phone call before that was to a XXXX who said it would be expedited and applied to my account no later than XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 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: Receivables Management Partners, LLC
State: NC

Complaint narrative:
I have received a copy of my credit report and it shows company RMP SRVC LLC ( Original Creditor : XXXX XXXX XXXX XXXX ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$50.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
Regions XX/XX/XXXX COVID we were having an issue on calling or go into the bank. We did not have any late payments and all of our payments were on time. The issue we had was the banks were closed and we couldn't make the payments due to the long waits and making the payment. The services did not accept online payment. 

Account Name : REGION/AMS Account Number : XXXX Account TypeSecured LOC ResponsibilityJoint with XXXX XXXX Date OpenedXXXX StatusPaid, Closed. 
Status UpdatedXXXX XXXX Late Payments XX/XX/XXXX XX/XX/XXXX XX/XX/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 2021-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have reviewed a copy of my credit report and I show company XXXX XXXX XXXX account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
Around XXXX I had deposited a friend of mines stimulus check due to everything being closed by covid-19 B.C.E.U gave half the money which was XXXX $ then froze my account told me to bring in my friend whos now XXXX  from covid-19 an put a hold on all of my money from 2cnd and 3rd stimulus being direct deposited into my becu account how can I close this account and access all my money?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have received a copy of my credit report and it shows company XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$730.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Hello, I am a capital one holder and last month I went to make a payment and capital one oddly required that they text me first. I agreed to being texted for a " security code '' but then never received a text. I kept trying for a few days and when I later called, there was no automated option to pay your bill and it was after hours. The next day I could pay but by then I received a late fee. 

Capital one should waive their fee, this is the only bank I've had this problem with Thank you cfpb

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 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: STERLING JEWELERS, INC.
State: NC

Complaint narrative:
I have reviewed a copy of my credit report and I show company KAY JEWELERS account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I am writing for your help in the below matter that has now gone unresolved by Chase Mortgage for over 3 months.I have now contacted the Chase customerservice departmenta totalof25 times ; 16 times via your online Secure Message center and 5 phone calls and 2 emails to your customer service team. 
I have made a total of {$22000.00} in mortgage payments of which only {$11000.00} has been credited to my Chase Mortgage account. 

Supporting Information and Attached Documents - {$7300.00} made to XXXX XXXX on XX/XX/XXXX - see attached letter {$3600.00} made to Chase on XX/XX/XXXX Loan Transferred from XXXX XXXX to Chase on XX/XX/XXXX XX/XX/XXXX -XXXX and XXXX Payments Made to XXXX {$7300.00} ( See Letter from XXXX Dated XX/XX/XXXX confirming thereceipt and posting of this payment )  and a second confirmation letter requested from XXXX again confirming my account current XX/XX/XXXX - XXXX Payment Made to Chase {$3600.00} XX/XX/XXXX - Payment Made to Chase pending Research {$11000.00} Total XXXX XXXX Payments Made = {$22000.00} Summary of phone calls and emails to the Chase customer service center. 
XXXX XXXX on XXXX XXXX XXXX - explainedpayments made XXXX  Chase on XX/XX/XXXX - they said may take 72 hours XXXXXXXX  Chase on XX/XX/XXXX - they said they are confused- checkingwith research division - requested I send the copies of the statements showing payments made I faxed the docs on XX/XX/XXXX via Branch and vonage fax To Subject Sent Size Categories XXXX Chase Mortgage Acct XXXX - Reference # XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX on XXXX XXXX XXXX - stated that they are still investigating - I stated my concern over late fees and credit reporting - he said the firstnote in their system is XX/XX/XXXX - I stated that I have called since XXXX. 
XXXX XXXX on XXXX XXXX XXXX EscalationManager- explainedsituation again - she mentioned I spoke to the Executive Office? - she said two paymentsin the Chase system - sent to Research team for validation {$7300.00} paid to XXXX XXXX and XX/XX/XXXX Research Division Reference # XXXX Fax XXXX XXXX XXXX - see below email sent at the request of XXXX XXXX XXXX Escalation Manager

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 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: Receivables Management Partners, LLC
State: NC

Complaint narrative:
I have received a copy of my credit report and it shows company XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$140.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MO

Complaint narrative:
On XX/XX/2021 a check was cashed against my account from a mobile deposit. The check is not mine nor do I have anything to do with it. The other person who was supposed to be removed from the account was the one who attempted to cash a {$5000.00} check using a bogus name and fake signature. She was paid {$600.00} of that the check was returned and the bank is trying to hold me responsible. I sent backs a removal form to remove her, because she unfortunately makes bad choices and had bounced a large check against her old XXXX XXXX XXXX account. After discussing my concerns in depth before this happen access should have been blocked. This situation is a threat to my good name and credit and USAA is not disputing this transaction that was done against me. I repeatedly asked for USAA policy regarding scams or fraud and I could not get a straight answer. I am in disbelief that a bank would allow this type of illegal behavior.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have received a copy of my credit report and it shows company XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$950.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation