vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-15 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: NY

Complaint narrative:
On numerous occasions, I have mailed several correspondence to remove the account named XXXX XXXX XXXX acct # XXXX. I never received any results. Furthermore, I received correspondence from XXXX stating that the trade line would be removed and also forwarded it to all CRA. It has been 5 months and this account is still falsely reporting on my credit. The latest false report is 2 new 90 day late payments on Equifax. How is this possible for an account that should not be on my credit report?

It is your job under ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) to properly address these mishaps. All investigations have either exceeded 30 days or not conducted at all. This is extremely frustrating as you alone are causing me great stress and emotional instability. Due to the lack of response to my letters I am forced to make a formal complain on the CFPB for violations of the federal statutes that I can pursue retribution for and thus result in numerous fines to your agency. This account has no place on my credit report. If needed I can provide documentation that this should not be on my reports. However, I ask that you correct the error on your part and remove the account entirely.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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: NY

Complaint narrative:
On numerous occasions, I have mailed several correspondence to remove the account named XXXX XXXX XXXX acct # XXXX. I never received any results. Furthermore, I received correspondence from XXXX stating that the trade line would be removed and also forwarded it to all CRA. It has been 5 months and this account is still falsely reporting on my credit. The latest false report is 2 new 90 day late payments on XXXX. How is this possible for an account that should not be on my credit report?

It is your job under ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) to properly address these mishaps. All investigations have either exceeded 30 days or not conducted at all. This is extremely frustrating as you alone are causing me great stress and emotional instability. Due to the lack of response to my letters I am forced to make a formal complain on the CFPB for violations of the federal statutes that I can pursue retribution for and thus result in numerous fines to your agency. This account has no place on my credit report. If needed I can provide documentation that this should not be on my reports. However, I ask that you correct the error on your part and remove the account entirely.

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 2021-01-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I have been trying to dispute this cc for some time now, this is not my CC it has a balance over XXXX. I am a victim of identity thief. I called the company as well as the Credit bureau, and nothing have been done. This account has ruined my life as well as my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GB Collects, LLC
State: AR

Complaint narrative:
I received a letter from GB collects stating they were about to take unknown action against me for a debt not owed. This letter was dated XX/XX/XXXX but I did not receive it until XX/XX/XXXX. They have flagged me with owing a debt that I do not owe. This account was cancelled by the acting agent for XXXX insurance in XXXX, XXXX. XXXX insurance was the XXXX they provided and I could no longer afford their insurance. I contacted the agent and gladly cancelled the policy. XXXX XXXX has now apparently been assigned to this file for unknown reasons. The account was cancelled and I have a very threatening letter to prove this.

Company public response: Company believes complaint relates to a discontinued policy or procedure
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
On XX/XX/XXXX, I received an email from my supposed boss that I should give him my phone number because he was in an important conference meeting and I could not give him a call due to that current situation. I was not suspicious of the email because it had personal information about my boss. I have only been working for this company for a year and occasionally my boss emails me asking for tasks that are specific to my job. As a graphic designer, my boss does not directly supervise me often and usually am guided by my XXXXreative Director under him. 
Furthermore, my supposed boss told me hes on a conference call and needs to provide gift cards to our clients ( I thought it was something my company gave out for Christmas ). He told me to check a nearby store for some XXXX gift cards, yet I suggested that he, himself, purchase them online. He kept pressuring me to get these gift cards even though it didnt feel right and I was uncomfortable. However, I did not know how to deal with this type of situation ( as Ive never been in it before ) and say no to my boss. My company has reimbursed my coworkers and I before if we used our money to complete tasks for them. I thought this situation would be no different, however, it seemed like a lot for him to ask me to buy {$1000.00} worth of gift cards. I eventually bought the gift cards from the pressure and later on he started asking for more. That is when I realized it was a scam. 
I immediately called up my bank, Wells Fargo, and told them about my situation and how I got scammed {$1000.00}. I know I had willingly purchased the gift cards, but I discovered that XXXX put out a warning about a common covid-19 scam they had been experiencing where you receive an email or text message from your boss asking for a certain amount of XXXX gift card money. The Wells Fargo customer service provider said they would open a claim and investigate it. I got an email claim reference number and waited. 
On XX/XX/XXXX, I received an email that the investigation case was completed and to wait for a letter in the mail for further information. I did not receive that letter until XX/XX/XXXX. The letter claimed this {$1000.00} transaction was correctly charged to my account and as a result, they are not able to reimburse that money. 
Although I did willingly give the money ( gift cards ) to my supposed boss, It was a type of scam that directly emailed me impersonating my boss. I do not give out my work email to anyone. I believe this transaction of {$1000.00} should be reimbursed because it is a great deal of money I lost that could have potentially gone to my necessities, especially with the current circumstance of the economy with the pandemic.

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 2021-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was examining my credit report and I saw some accounts that are being listed on my credit file but are false. I do not have any debt with these companies and have no knowledge of these accounts. I believe they are fraudulent or there is an error in their system. Please investigate this issue because it is stopping me from gaining any new credit. These accounts are not mine.

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 2021-01-15 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 was examining my credit report and I saw some accounts that are being listed on my credit file but are false. I do not have any debt with these companies and have no knowledge of these accounts. I believe they are fraudulent or there is an error in their system. Please investigate this issue because it is stopping me from gaining any new credit. These accounts are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: MD

Complaint narrative:
I have been trying to refinance my mortgage, but my current mortgage holder AmeriSave XXXX XXXX, is refusing to provide a payoff statement to my refinancing broker or myself. 
AmeriSave Mortgage Corporation is refusing to provide the payoff statement even though they have received my signed consent that was provided to them through the refinancing broker. Also, since AmeriSave non-responsiveness I have personally called AmeriSave XXXX XXXX 4 times to request a payoff statement, but it does not seem they are willing to provide the payoff statement. 

CFR section 1026.36 ( c ) ( 3 ) Payoff Statement, clearly states : In connection with a consumer credit transaction secured by a consumer 's dwelling, a creditor, assignee or servicer, as applicable, must provide an accurate statement of the total outstanding balance that would be required to pay the consumer 's obligation in full as of a specified date. The statement shall be sent within a reasonable time, but in no case more than seven business days, after receiving a written request from the consumer or any person acting on behalf of the consumer. When a creditor, assignee, or servicer, as applicable, is not able to provide the statement within seven business days of such a request because a loan is in bankruptcy or foreclosure, because the loan is a reverse mortgage or shared appreciation mortgage, or because of natural disasters or other similar circumstances, the payoff statement must be provided within a reasonable time. A creditor or assignee that does not currently own the mortgage loan or the mortgage servicing rights is not subject to the requirement in this paragraph ( c ) ( 3 ) to provide a payoff statement. Official interpretation of Paragraph 36 ( c ) ( 3 )

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 2021-01-15 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Dear Sir or Madam I am writing to dispute the following information in my credit file. 
The car loan with XXXX XXXX XXXX was pay off by my insurance in 2018 due to my car being declared a total loss. I call XXXX XXXX XXXX last week to ask why we have late payments on the account. The representative told me that I needed to make payments even if the car was declared a total loss. I am asking you to please reconsider to take these late payments off the account. We had the car for almost two years, and we never had a late payment. The account now is pay off and closed.

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 2021-01-15 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I am a full time resident of XXXX Ohio and was charged on Macy 's XXXX XXXX card for purchases i neither authorized or knew anything about. In addition these charges took place in XXXX XXXX XXXX, New York. I have never been to this state and have proof of purchases made on my personal debit card in Ohio while these transactions were taking place. When I noticed the discrepancy, I contacted my credit card company right away to file a dispute. In response, they mailed me a copy of a signature that does not match mine from a store that i have never been to. The transactions I disputed and am still disputing were in the amounts of {$210.00} and {$190.00}. I have paid the remaining balance on my credit card that i was responsible for but I refuse to pay for purchases that were not made by me. There should be video security footage from the store that shows the purchase was not made by me and I am willing to send a picture to prove that as well. I will be filing a police report since my dispute was not resolved and am filing a report with you as well. I also intend to escalate my dispute with the credit card company directly. I am hoping someone can help me since I was never in New York and did not authorize the purchase of any men 's shoes Do not get a credit card with Macy 's or XXXX XXXX because they do not take fraud seriously.

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 2021-01-15 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: Paypal Holdings, Inc
State: SC

Complaint narrative:
On XX/XX/2021 I reviewed my XXXX XXXXXXXX XXXX Checking Account. Only to find two counts of Unauthorized Demand Draft. I contacted the bank fraud unit asap. I placed a stop on the demand draft, due to both where unauthorized and ordered a new debit card. The bank has filed the claim under, claim # XXXX. I then contacted the local XXXX SC Sheriff 's Department and filed a report Case # XXXX. Then I contacted XXXX and XXXX XXXX office of the South Carolina Attorney General 's Office. I was told The South Carolina Attorney General 's Office couldn't help. And I should contact, The United States Attorney General 's Office - District of Columbia. I'm sure you understand bank fraud and unauthorized demand draft fraud is a Federal Crime, I would like to seek criminal charges. Unfortunately the bank paid both illegal drafts, I have no clue who they are, but they used PayPal to draft my account. The purchase ID # 's are on my statement and also filed with the Fraud unit & local law enforcement. I would like to seek criminal charges. FDIC bank 's should have more task force law enforcement. XX/XX/2021 PayPal XXXX XXXX drafted {$5.00} transaction XXXX CA - XX/XX/2021 PayPal XXXX XXXXXXXX XXXX XXXXXXXX drafted {$20.00} transaction XXXX CA - XX/XX/2021 PayPal XXXX XXXX XXXX XXXXXXXX tried to draft {$20.00}. All three counts are Unauthorized Demand Draft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
i received a call from Target that someone tried to open a store credit card in my name. They asked me a few questions which i answered no. they said they would decline the application and to report the incident to you ( FTC ) today is XX/XX/2021

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Date : XX/XX/XXXX Amount : {$180.00} Date : XX/XX/XXXX Amount : {$2300.00} Date : XX/XX/XXXX Amount : {$38000.00} Action Taken : Yesterday, I contacted the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AND XXXXXXXX XXXX  to inquire if the disputed/questioned/ challenged/ or still unproven compliant information YOUR firm is required to provide to them was being processed. I was aptly informed that none of the above-detailed entities agree that you acted LAWFULLY much less COMPLIANTLY to federal reporting laws upon dispute/challenged/or compliant of possible mis information upon a consumer credit report. Fact is, per these entities above listed, absolutely NO SUCH information had been received by them from you! UNMISTAKABLY, This is a clear breach of the FCRA and the FACT act not even to mention irrefutable ignorance to the mandates of the Metresult of the CRSA. 

I am VERY KNOWLEDGEABLE of my consumer rights and most importantly of your MANDATED OBLIGATIONS as related to consumer complaints. NAMELY you are required to transmit this information to the creditor in a federally defined timely fashion and ensure the creditor responds back equally in the federally defined timey fashion. OBVIOUSLY, to me, YOU, and likely JURISDICTIONAL CIIVL COURT to which I might elect to file suit versus you b your infringements, in this case you have failed- MISERABLY so in fact! 

FURTHER, YOUR that your failures AND THAT OF THE ABOVE NOTED ALLEGED DATA PROVIDERS is undoubtley and clearly significantly impacting my credit score. 

Experian is also purposely sending an automatic generic response to delay and stall their response to send me what I am asking for. I am representing myself only. I am NOT a third party entity.

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 2021-01-15 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: FISERV FINXACT CORE
State: AZ

Complaint narrative:
Received my Economic Impact Payment card on XX/XX/21. Following the instructions, I tried to call the number : XXXX. My intent was to activate the card. However, when I tried the number several times on XX/XX/21 and XX/XX/21 their automated phone message told me my phone number was not recognized. All other routes to contact them still lead back to the 8100 number. There is no " on-line '' activation that I am aware of. Their recorded message suggests I call them using a different telephone. I have only the one telephone. So, they have no computer activation or any computer contact procedure, the only phone I use is " not recognized '', there is no resolution procedure available other than to call their 8100 -- which, of course, does not work. What is the resolution to this problem? No contact information at IRS except to call the 8100 number. One can not help but wonder who is profiting off the interest in all the accounts in the same state as mine.

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 2021-01-15 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: General Motors Financial Company, Inc.
State: OH

Complaint narrative:
On XXXX XX/XX/XXXX GM Financial created an unauthorized credit entry on my credit reports. After noticing the inquiry, I sent them a certified letter on XXXX XX/XX/XXXX requesting they remove this unauthorized inquiry. The company did not provide me with a document that I singed stating I gave them authorization to run my credit. They sent me a letter on XXXX XX/XX/XXXX stating another company gave them authorization and still did not provide me with a document bearing my signature or authorization. I sent GM another certified letter to give them another chance to have the inquiry removed on XXXX XX/XX/XXXX. I have not heard from them since. Todays date is XXXX XX/XX/XXXX. I plan to send my next complaint to the Attorney Generals office.

Company response to consumer: Closed with explanation