vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-26 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: IL

Complaint narrative:
hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. XXXX XXXX has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. XXXX XXXX say I have good credit. What XXXX XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 10 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I am an XXXX XXXX XXXX  ( XXXX  ) at XXXX, started my XXXX  this XXXX  XXXX. I was trying to transfer my apartment lease and so put an ad on XXXX XXXX. One lady ( XXXX XXXX, from Wisconsin, she said ) was very interested and wanted to take my apartment. I told her the lease transfer fee is {$500.00}. You can pay it to lease office or me. She then sent me a check of {$1900.00}. She told me to take {$500.00} for lease and send the rest to her moving agent ( XXXX XXXX XXXX XXXX ). First I hesitated but then convinced as she said the check will be provided by her company. I received the check online and found that it posted to my account ( my balance increased after 1 day ). I had no idea of fake check or check bounce in the USA. I trusted and sent {$1400.00} to the moving agent as she said. I sent through XXXX as she requested. The account was, XXXX XXXX, XXXX. After that I thought everything was going good but suddenly she said she need {$800.00} more to send her mover to fix her car. Then I refused and started to suspect. I complained in Police ( Case : XXXX XXXX ) and they said it's a scam. After that, I found my money has gone, check bounced back. I contacted bank several times but they refused to get back the money. I contacted bank and put dispute but they refused my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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 sent out a dispute on my credit report XX/XX/XXXX and still haven't gotten a response from the bureaus yet. It's holding me up from getting a house. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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:
I called XXXX XXXX they called Me THE XXXX word aka XXXX i have them On recording the information they provided doesnt match up to any information that belongs to me they hang up on me very disrespectful the attached file stated i was sixty days passed due from XXXX to XXXX doesnt make sense at all there is no 60days In between those dates they also refused to send me a fraud packet over the phone..and i have an investigator and a police report as well they refused to get any copy of it experian wont respond to my dispute keep updating as remain which is illegal and i sent experian proof as well The debt doesnt belong to me plus my License been XXXX  for XXXX  years you cant drive oft a lot with XXXX  license and no insurance

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 2021-10-26 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: GA

Complaint narrative:
I sent off a dispute to Exerian over 30 days ago and have gotten no reply. Please help me.

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 2021-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I have been a B of A customer for over 30 years and the service has been unacceptable. Someone had accessed and wrote a check {$1400.00} from my checking account checking account XXXX. I reported the fraudulent charge in XX/XX/XXXX. Afterwards, Bank of America closed my old checking account I had for over 30 years and opened a new account XXXX and reimbursed the amount to my new account. In XXXX I started receiving bank recorded messages to my phone that my account is overdrawn. I called and the B of A agent told me to disregard the messages and they made an error and everything should be taken care of. Interestingly, I show back in on XX/XX/XXXX they put the {$1400.00} back on my account but placed backdated in on XX/XX/XXXX. Each time and put on hold for an hour I call they tell me to disregard, but I still receive messages. It's been over 6 months and I never receive an answer. 

I keep receiving messages that my account is overdrawn and the agents told me to disregard the messages.

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 2021-10-26 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: AES/PHEAA
State: VA

Complaint narrative:
Im on XXXX and have been since I signed up for the loan which i told them about which i am not supposed to pay back if XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: OH

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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: LA

Complaint narrative:
I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report asap. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. Please investigate these matters and remove the disputed items asap.

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 2021-10-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: FL

Complaint narrative:
Summary : - Flagstar purchased my mortgage in XX/XX/2021 - My prior bank ( XXXX ) sent an initial transfer payment in XXXX. Flagstar only applied it to the principal.

- Flagstar notified me on XX/XX/XXXX that they misapplied the transfer payment and would resolve it. 
- The transfer payment was never correctly applied and now I have been warned ( on XX/XX/2021 ) that my mortgage will go into a default payment status if I don't make a double payment by XX/XX/XXXX. 
- I have paid my mortgage on time every month. 
- I made contact with 2 members of their management team who only informed me it was my responsibility to see the XXXX transfer payment was misapplied and resolve it within 60 days. 
- Flagstar made purchased my mortgage and misapplied the transfer payment. Those were both internal company decisions and processes. I had nothing to do with it. Why am I responsible for their process failures? 

I have only been a customer since XX/XX/2021. My mortgage was bought by Flagstar. I was given a welcome phone call but things have not gone well since then. My prior mortgage holder, XXXX XXXX, transferred the first payment to Flagstar in XXXX. Unbeknownst to me, Flagstar applied that entire amount to the principal. I began making my monthly payments in XXXX and have done so every month. I received a call in XXXX that my mortgage payments were behind. I was told that it was a result of the transfer payment by the prior bank ( XXXX ) that was only applied to the principal and not the interest payment. On that call, XX/XX/XXXX, the attendant let me know that it would be resolved. I thought all was well. 
I received a call on XX/XX/XXXX, telling me again my monthly payments were behind. I was told that the transfer payment that came from XXXX that Flagstar applied only to my principal balance could not be moved to the right allocations for principal and interest. I was told if I do not make a double payment by XX/XX/2021, then my mortgage will go into a default payment status that will affect my credit. 
As a customer I have done nothing wrong. It's not my fault that Flagstar misapplied the transfer payment in XXXX. It's not my fault the attendant told me on XX/XX/XXXX it would be resolved. The only response I received from XXXX ( on your management team ) was that I should have seen that this initial transfer payment in XXXX was misapplied. 
So as a customer I have made my monthly payments on time every month to my prior and current mortgage companies. This is not fair in any way and a poor treatment of customers. I left a voicemail with XXXX ( on your management team ) with this same 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 2021-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX my check card was cut off by Wells Fargo for any use for one year. Ive never bounced a check or done anything to warrant this. They refuse to give answers the ironic part is i disputed a merchant charge and on the same way i was awarded the dispute the bank Revoked my ATM card from year which is essentially closing my account. This is fraud and should be stoped

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 2021-10-26 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
On XX/XX/2021, at XXXX PM, I noticed a man named XXXX who is employed by XXXX XXXX XXXX attempting to illegally remove my automobile from my private driveway. After I had to repeatedly ask XXXX to provide his identification or license information, XXXX provided CA XXXX by pointing at the side of his tow truck. I had already called local law enforcement to the scene. When local law enforcement arrived, the police officers on the scene refused to verify XXXX 's identity and just took the work order on his cellphone as sufficient proof. I later found, XXXX had lied to the police and told dispatch, I banged on his window. The security cameras at my place of adobe will prove that is a complete fabrication. After getting threatened with arrest by local law enforcement, XXXX was illegally allowed to take possession of my automobile. After XXXX and local law enforcement were gone, I searched for XXXX 's license status on the Department of Consumer Affair website; it appears that the license number XXXX provided is not active to his name or industry. Pursuant to 15 USC 1692c ( b ) I did not give XXXX prior direct consent for communication. XXXX infringed on my right to privacy and terrorized me when he possessed my property without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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: LA

Complaint narrative:
I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report asap. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. Please investigate these matters and remove the disputed items asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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: MS

Complaint narrative:
on XX/XX/2021, i sent Equifax a letter requesting the inaccurate information be deleted from my credit report, asking for the validity of the debt and/or it be deleted from my account because this is my 3rd and final letter before I turn this matter over to an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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: NC

Complaint narrative:
On XX/XX/XXXX my phone was stolen Im a XXXX XXXX. XX/XX/XXXX My roommate provided me with old phone I went to phone store to get old phone activated so I could call my mom to call insurance on phone. My mom started claim and was able to get me a replacement phone. I called my bank advised of phone being stolen as will as fraudulent charge of XXXX through XXXX XXXX which this was also disputed. I call 2 weeks later to bofa after reporting fraud on my account and was advised claim was put in for all charges I corrected the representative advising only of the XXXX XXXX XXXX. She advised she would update and escalate. 2 more weeks went by I called to see if they needed anything. I provided the replacement phone information, XXXX XXXX dispute and the confirmation of the phone being reported as stolen. I was advised the fraud claim was denied due to not reporting fraud timely when fraud took place XX/XX/XXXX same day I called and reported it to bofa after checking my account balances. I esc to bofa supervisor XXXX who re opened claim for the 4 time and had me resend documents again. I reported and provided all documents its seems Im getting the run around

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 2021-10-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Home Point Financial Corporation
State: GA

Complaint narrative:
On or around XX/XX/2020 I applied for a refinance at home point financial corporation, despite having positive income From self employment the loan officer ( XXXX XXXX ) refused to count my income on valid file tax returns. He and his team claimed I did not show liquid assets even though my bank statements totaled XXXX, they chose not to conform to guidelines and rejected my documents. I lost 3 months finding a new lender with higher closing costs and a higher interest rate while I located another lender. Their lending practice was subjective and discriminatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX My wallet was stolen from a locker at my gym. Before I discovered the theft the thief ( s ) had taken my ATM card to a Chase branch and had my PIN number overridden and/or reset and withdrew {$3000.00} out of my checking account. My wife contacted the Chase fraud department and reported the theft and a case was opened yet we were not notified of any additional documents or steps to take to send the case forward for investigation. On XX/XX/XXXX we contacted the fraud department again to see where our claim stood. We then were informed of additional documentation that was needed and this was faxed from our branch the same day. To date it does not seem any investigation by Chase has been undertaken into how my card was used without my personal PIN to obtain the funds. We didn't know of and were not informed by Chase that the PIN had been overridden/changed until a replacement card was received and we were not able to activate. The Police case opened with the XXXX XXXX XXXX, TX Police Department is XXXX and the detective XXXX XXXX had to obtain a warrant to even view the video from the transaction. Chase would not even inform the police which branch was involved in the fraudulent transaction. Additionally the police informed us that an almost identical fraud had also taken place and the thief also obtained funds fraudulently at a Chase branch. After the police reviewed the video it was learned that the money was taken using a drive through window and positive ID could not have been determined in this manner. Chase has also not even contacted the police for any information as to what took place. Today, XX/XX/XXXX we informed by letter that our claim into the fraud has been denied by Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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: CA

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Personal information incorrect
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My Citi credit card account has not been updating monthly on my XXXX credit report. Citi has told me that in order for the account to properly report, I must " change my name '' with them. My name concludes with the suffix " XXXX '' and Citi is telling me that I must change the " XXXX  '' to " XXXX '' in order for the account to report correctly. They have been incorrectly reporting my name with " XXXX '' at the end of it, so now my name is incorrect on my XXXX credit report. They need to fix my suffix to " XXXX '' as that's my correct name AND figure out how to correctly have the account update monthly with XXXX. 

Citi has been trying to pass the buck with this issue, washing their hands of it and stating that it's a problem with XXXX. This is absolutely false, as all of my other lenders including but not limited to XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX Bank all report my name correctly with the suffix " XXXX '' to XXXX and all of those accounts update routinely like clockwork every single month without a problem. If this were a suffix issue, none of my other accounts would be updating monthly with XXXX. This therefore is clearly a CITI issue, which they need to address and resolve. I've been dealing with their Executive Office for months now, shortly after they sent me a new credit card in XX/XX/XXXX. Each time I contact them I have to wait up to 15 days for a response. When I receive a response it's always of the same tune ... " not our problem, it's XXXX ... talk to XXXX, not us. '' Absolutely unacceptable treatment of a very good customer of theirs.

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