vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: EAST WEST BANK
State: NY

Complaint narrative:
EAST WEST BANK returned two 'so-called ' recalls ( around XXXX USD ) without informing us, also without checking our clear evidence shows the 'recall ' were invalid ( payer took a selfie with a clear statement can easily prove the payers lied to their banks )., which has caused us huge loss. 

Meanwhile, EAST WEST BANK said was going to return the rest of XXXX USD ( regardless we have submitted evidence from each payer 's photo selfie, which shows the payment was legit ). 

If a bank can return a payment like this, how can we trust the bank anymore? How can we guarantee the money in our account balance is belong to us?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 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: EQUIFAX, INC.
State: GA

Complaint narrative:
The below account has been submitted to a collection agency in error. I have contacted the original debtor to verify that it was submitted to XXXX XXXX XXXX XXXX as a mistake. I am attaching the corresponding letter from the original debtor XXXX XXXX XXXX for reference. This account has been submitted as a collection account on all three credit profiles. I have since contacted Equifax, XXXX, and XXXX to have this account removed, to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 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: LA

Complaint narrative:
I have disputed this account several times to the credit bureaus. I have sent them a copy of the debt cancellation letter and its still not being removed. Please help I called XXXX Bank and they have said there isnt anything else they can do This is a XXXX XXXX bank account.

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 2021-06-01 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I have disputed this account several times to the credit bureaus. I have sent them a copy of the debt cancellation letter and its still not being removed. Please help I called XXXX Bank and they have said there isnt anything else they can do This is a XXXX XXXX/XXXX  bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 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: LA

Complaint narrative:
I have disputed this account several times to the credit bureaus. I have sent them a copy of the debt cancellation letter and its still not being removed. Please help I called XXXX Bank and they have said there isnt anything else they can do This is a XXXX XXXX/XXXX  bank account.

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 2021-06-01 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: EQUIFAX, INC.
State: FL

Complaint narrative:
At present I am bothered! I have attempted to be patient however it is hard to be patient when you feel that you are continually being overlooked by somebody. I think you fail to remember that I am the purchaser concurring! " 15 U.S. Code 1681 - Congressional discoveries and mission statement ( a ) Accuracy and decency of credit announcing ( 1 ) The financial framework is reliant upon reasonable and precise credit revealing. Wrong credit reports straightforwardly weaken the proficiency of the financial framework, and outlandish credit announcing techniques subvert the public certainty which is crucial for the kept working of the banking system. ( 3 ) Consumer detailing offices have expected an imperative part in collecting and assessing shopper credit and other data on customers. The financial framework is subject to the reasonable and exactness detailing of purchaser offices. At the point when you neglect to take care of your work in addition to the fact that it hurts me it influences the financial framework. The financial framework brings in cash by loaning to shoppers like me. I have connected a few times grumbling about the wrong things on my customer report. Well I am complete the process of whining. I request you eliminate these incorrect things or I will look for prosecution for the entirety of the infringement and for the torment you all have caused me by destroying my standing by announcing mistaken things.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 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: GA

Complaint narrative:
The below account has been submitted to a collection agency in error. I have contacted the original debtor to verify that it was submitted to XXXX XXXX XXXX XXXX as a mistake. I am attaching the corresponding letter from the original debtor XXXX XXXX XXXX for reference. This account has been submitted as a collection account on all three credit profiles. I have since contacted XXXX, XXXX, and TransUnion to have this account removed, to no avail.

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 2021-06-01 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: GA

Complaint narrative:
The below account has been submitted to a collection agency in error. I have contacted the original debtor to verify that it was submitted to XXXX XXXX XXXX XXXX as a mistake. I am attaching the corresponding letter from the original debtor XXXX XXXX XXXX for reference. This account has been submitted as a collection account on all three credit profiles. I have since contacted XXXX, Experian, and XXXX  to have this account removed, to no avail.

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 2021-06-01 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: SC

Complaint narrative:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 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: TX

Complaint narrative:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 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: SC

Complaint narrative:
It was communicated to me to reach out to each individual agency to expedite the removal. As of the date of this letter, it has been over thirty days with no compliance to the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ) enacted by the United States Congress. By their findings, it is now my legal right to have these accounts and inquiries ( FCRA 15 U.S.C. 1681n ) removed. 
I understand the individual in receipt of this letter is most likely not an attorney. Therefore, I have attached the laws and definitions to educate any person of my legal rights in the United States of America. I appreciate you understanding how this adversely effects me and is in violation of my rights. Thank you for helping me take this federal matter seriously!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MidAmerica Mortgage Inc
State: TX

Complaint narrative:
My original mortgage was sold to another company - Mid America Mortgage. My taxes were assessed and my escrow amount increased. I paid the amount in full in order to avoid an increase in my monthly mortgage note. The company did not apply the amount to my escrow. This has been 2 years of a battle, I call at least once a month. I speak to multiple different employees, supervisors, etc. I have been promised the error has been corrected. However, since then - my insurance was not paid out of my escrow - as was originally set up. And each month, I get charged for late fees and past due amounts. Even though I have paid every month on autodraft from my bank, have always paid each month in full or over, have paid my escrow in full. I have been promised each month this would be corrected. It has not been corrected. I attempted to refinance with a different company, however due to mid americas error, it looks as if I am in poor standing on my mortgage. but I have paid every single month. one representative even admitted there was no incentive to correct the problem because I would refinance with another company. I have never had this issue with any mortgage company before. I am infuriated that I pay my bills - in full and on time - and their error reflects poorly only on my end.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC
State: CA

Complaint narrative:
I received a loan for {$1500.00}. Account number XXXX. Now four months later and after making three payments of {$510.00} the loan balance is {$4600.00}. I am unable to obtain a payoff amount. 

This is not what I agreed to. 

This is usury! It is illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I have been charged for merchant services from XXXX XXXX XXXX Bank of America since XX/XX/17. These services have been canceled. I have contacted Bank of America 4 times to stop this. They have forwarded me to first data to stop this. While they agree the services have been stopped they continue to charge me and refuse to reimburse the funds I consider stolen from 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 2021-06-01 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: IL

Complaint narrative:
There has been information published on a consumer report that I never gave either company ( XXXX, XXXX  & Experian ) written consent or authorization to procure or produce with my information, according to 15 USC 1681b ( 2 ). Due to the nature of this consumer report, it has defamed my character to lenders, held me back from getting my home and a host of other things. There are accounts that have been disputed several times because of this violation and the said 3 companies above sends me results stating the derogatory alleged debts are validated. According to 15 USC 1692G debt collectors are required by law to meet the five requirements to validate any alleged debt, and also I the consumer have to officially validate the alleged debt, in which I do not validate the alleged debts in question on my consumer credit report. Another violation that has come to my attention is specifically with Experian. They violated 15 USC 1681B ( ii-iii ), stating if any information that has been deleted from a consumer 's file and is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than five business days after the reinsertion. I received no written notification that this alleged debt was reinserted into a credit file that I did not give permission to produce. Please delete the accounts below due to several violations of the law. 
The companies in question for the alleged debt are as follows : 1 ) XXXX XXXX XXXX XXXX ( Invitation Homes ) 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX 4 ) XXXX XXXX XXXX  5 ) XXXX XXXX XXXX 6 ) XXXX XXXX XXXX  ( Reinserted into Experian )

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 2021-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I have been trying to address wrong information and fraud on my dredit report on accounts that been paid of by insurance company or the account was not open by me do to me being in federal custody but the creditors and credit bureau 's dont listen and respond with negative responses I even showed proof that I been at my address for 25 years and the addresses that were used to open these accounts have nothing to do with me but my proof they just ignore they cant even send me the documents I reques to show me how these accounts are linked to me I went to a lawyer who advised me to pay them and all this would go away but none of it went anywhere it only made things worse now I have to live a rougher life after 15 years in prison when all I want is for my credit to be the way it should and all these accounts that are fraud by identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I have been trying to address wrong information and fraud on my dredit report on accounts that been paid of by insurance company or the account was not open by me do to me being in federal custody but the creditors and credit bureau 's dont listen and respond with negative responses I even showed proof that I been at my address for 25 years and the addresses that were used to open these accounts have nothing to do with me but my proof they just ignore they cant even send me the documents I reques to show me how these accounts are linked to me I went to a lawyer who advised me to pay them and all this would go away but none of it went anywhere it only made things worse now I have to live a rougher life after 15 years in prison when all I want is for my credit to be the way it should and all these accounts that are fraud by 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 2021-06-01 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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 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: Commonwealth Financial Systems, Inc.
State: GA

Complaint narrative:
It has recently come to my attention that I still have a report in my disputes from a hospital bill that I didnt have any money part in. I have a son that has the same exact name as I do. I know a fact I havent been to that hospital in years. Definitely not then but my son may have because he struggled with respiratory issues a lot in his first couple of years so the report has to be a mix up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX, Equifax and XXXX  are reporting 2 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 3rd dispute letters to Equifax, XXXX  and XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX, I contacted Equifax via certified mail and was notified they had received it and signed for the letter on May 21st. The accounts are to be deleted immediately as they are in violation with the law pursuant to 15 U.S.C. 1681b ( a ) ( 2 ). I have never provided any written instructions to report anything alleged, negative and unauthorized on my consumer report that is damaging my reputation. I have asked Equifax to remove and delete any and all accounts and inquiries that they never received any written instructions for. I have provided Equifax with a letter of my written instructions to remove accounts and inquiries, providing them account and inquiry details. I also provided Equifax a copy of the law attached to the letter, proof of identity including driver license and social security card and utility bill considering address was different from driver 's license.

Company response to consumer: Closed with explanation