vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-22 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: AZ

Complaint narrative:
On XX/XX/XXXX I filed a claim with Bank of America totaling the amount of XXXX $ My claim was open and denied in 3 hours stating there was no failed pin attempts and no unusual spending activity, there was over 20 transactions and not a proper investigation was done in 3 hours. After being denied. I filed for a reconsideration 4 times. And all still have been denied. During the time these transactions took place. I was on the phone with customer service explaining I never got my card in the mail. They told me a new one would be sent. XX/XX/XXXX. I was physically in a branch trying to get a new card. My Id was verified with a passport and two letters of mail and I was told I was unable to get a card or withdraw funds or get balance information without my card coming in the mail. XX/XX/XXXX I got a card in the mail and attempted to activate just to be told there was already a card on file in use. At that point is when I found out my account was emptied. Bank of America states no failed pin attempts and no unusual spending activities happen on the account. Even tho they did not cross reference to see the card was never received by me so I was unable to set up a pin. I have called over 200 times. Filed hardships. Just for them to reconsider my claim and wait until the last day to deny it. Over and over no new information is giving to be. And my money had not been returned.

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 2021-09-22 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, the consumer has sent XXXX XXXX of Equifax 3 separate presentments over 120 days about the inaccurate negative reporting accounts on my consumer report. I filed a CFPB complaint last week and they are saying it will take up to another 60 days. Equifax is in violation of 15USC 1692, 15 USC 1681 and 15USC 94 but they are also in breach of my Common Law Copyright Notice for continuing to commit fraud and not issuing a written apology as stated within.I am a private federally protected consumer with Rights and I DID NOT GIVE EQUIFAX PERMISSION to speak with a third party, release my information or add inaccuracies to my consumer report. I DENY Equifax 's request for an 60 days to reinvestigate and expect my demands to be satisfied IMMEDIATELY to prevent a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Verisk Analytics Inc
State: NC

Complaint narrative:
Company does not explain where it got its information from. My Bankrutpcy is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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 am a victim of identity theft. There are fraudulent accounts on my credit report that need to be removed immediately. 

Collection Companies XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Credit Bureaus XXXX Equifax XXXX These collection companies and all three credit bureaus are in violation of 15 USC 1681b - Permissible purposes of consumer reports by reporting to the credit reporting agencies without my written permission. They are also in violation of FDCPA Section 807 False or misleading representations. All three credit bureaus are in violation of federal law and have refused to acknowledge these laws. My federal rights have constantly been violated for going on over a year now. I have asked for proof which is required according to federal law, and they still have not complied. I advise Equifax, XXXX and XXXX to cease and desist collecting and reporting the accounts until they have provided and supplied the full, thorough details surrounding their reasoning for keeping the accounts on my report against my wishes as a consumer. This is not only harming my credit report, it is also harming my chances of owning a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Hi, I have just received from Chase that two of my activitys on my account were not fraudulent, but instead authorized. I contacted Chase about 30 minutes after I received the text from Chase on my mobile device, regarding the online fraudulent activity. 

They then proceeded to file a claim for me and asked me to give it few days. 

They sent me this today : We found that the transaction ( s ) was processed according to the information you provided or was authorized. 

I have physical video camera proof that I was at work ( XXXX ) while the transaction happened in XXXX XXXX ( as stated on the statement ). 

Please help me Im just a XXXX XXXX, and about to lose {$3200.00}. 

I will also file a police report tomorrow, right after work or will skip work to file it. 

I would also appreciate if you could help me with tips or any help regarding my problem. 


Best -XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AXOS FINANCIAL, INC.
State: TX

Complaint narrative:
My loan was with Axos Bank. I sold the vehicle to another entity. Almost 2 weeks after the loan was fully paid off, they just deducted another regular month 's payment from my account. The loan was fully satisfied yet they did not cancel the autopay arrangement. 

When I messaged them, all they gave me were directions on how to cancel autopay, which doesn't help after they've already deducted almost {$420.00} from account that I hadn't accounted for. Now I risk NSF fees for other bill obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANCO POPULAR DE PUERTO RICO
State: CA

Complaint narrative:
Popular credit services charged a new annual fee of {$140.00} for my XXXX credit card on XX/XX/2021 and generated the new statement on XX/XX/2021. I received the statement and immediately called them on XX/XX/2021 to cancel this account and request the refund of the annual fee. Since I couldn't travel this year, I don't want to keep this card. However, the customer service agreed to close my account, but refused to refund the annual fee. It is unfair since my account is cancelled and I won't use their card for the upcoming year. I complained to her and she agreed to file a dispute for me to waive the fee on XX/XX/2021. Unfortunately, after waiting for more than one month, they still didn't refund the fee and started charging me interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In putting my personal information in so I can have access to my credit report on XXXX XXXX XXXX From EQUIFAX Credit Report I click Equifax it said ready to get your report? Please enter the last four digits social security number to confirm your request and access your personal credit data. I do all that it ask it still will not let me have access to my credit report .I answer all security questions correct.still no access to my credit report on line. Equifax will mail me out one with no problem just received my report by mail 3-weeks ago. Equifax will let me access MY EQUIFAX.COM that they offer online but refuse to give me online access annual Credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
There is a collection on my credit report from Transworld Systems Inc for a utility bill that is not mine I have reached out to them several times providing proof that this bill is not and could not be mine and to no avail. They keep coming back to me with an identity theft paper for me to fill out which all that would do is give them all of my accurate information of which I do not want to do. This collection has a service address of XXXX XXXX XXXX XXXX, Tx XXXX and the bill shows a statement date of XX/XX/2017. I sent them proof that I was not at this location at that time that I lived somewhere totally different and also showed them that I had a totally different light company. They still refused to removed this inaccurate account from my credit report and it is adversely affecting my scores and should not be reporting. I lived at XXXX XXXX XXXX XXXX XXXX, Tx XXXX at this time and had and still do have XXXX XXXX  as my utility company not XXXX XXXX XXXX and provided Transworld Systems with not just one bill from the same timeframe proving that I was not at this location and have no idea about this account. But I also sent them 2 other bills that were prior to this timeframe of the statement they sent me to show them that I had this utility company and lived at a different location long before this supposed account was charged off. Still they refused to remove this account so now I am filing a CFPB complaint because for one just sending me a statement is not proof that I owe this debt and also because I proved to them that I did not even live at this location and have no idea about this account and they still have not removed it from my credit report. I have attached a copy of the statement that they sent to me as supposed validation of the debt which it is not and also all 3 of the bills from my actual utility company with dates well before this account charged off for you to review. This account needs to be removed from my credit report immediately or I will have no choice but to take further action and possibly retain a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERICAN INTERNET MORTGAGE
State: MD

Complaint narrative:
I am an XXXX XXXX service member in the United States XXXX XXXX. Recently, I was approved for retirement with a retirement date of XXXX XX/XX/XXXX and have planned on moving from my last duty assignment in XXXX  to a new location for post-retirement employment with the Federal Aviation Administration in the XXXX XXXX area XXXX I am approved to move and seek employment anytime after XXXX XX/XX/XXXX, which is my terminal leave date. As part of this retirement process, my spouse and I entered into a contract to purchase a home in XXXX XXXX on XXXX XX/XX/XXXX. To support the purchase of a new home, my spouse and I applied for a mortgage with Aimloan. I disclosed to Aimloan that I was retiring from military service and provided them three ( 3 ) different documents to substantiate my current income and future income. 
1 ) Two pay stubs from my current XXXX XXXX military service that substantiate my pay until my retirement date of XXXX XX/XX/XXXX. 
2 ) A statement from the United States XXXX XXXX indicating my discharge date of XXXX XX/XX/XXXX, the honorable character of my service, and my retirement pay/pension amount, which commences on XXXX XX/XX/XXXX. 
3 ) A Firm Offer Letter of Employment from the Federal Aviation Administration, which identifies the start date on XXXX XX/XX/XXXX and future salary for my post retirement job. 
Aimloan refuses to use any of these income sources as creditable income for securing the loan. I provided substantiating documentation for all three sources of income. Aimloan ( the lender ) has stated in reply that because I am retiring my current military pay can not be considered as a source of income for the loan application even though retirement occurs three months after the planned closing date ( XXXX XX/XX/XXXX ) on the home purchase. They further state that because I am not currently retired and have not received any pension payments that my retirement pay can not be considered as a source of income for the loan application. Lastly, because I have not started in my new job and do not have pay stubs that the Firm Offer Letter can not be considered as a source of income for the loan application. Aimloan is discriminating against me as a military service member transitioning to civilian life and refusing to recognize my current income and my future pension payments, which is preventing me from securing a mortgage and putting my future employment opportunity in jeopardy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XX/XX/XXXX - I submitted an application for rental unit. They reported an eviction on the consumer report. The information I provided shows this case was dismissal without prejudice on XX/XX/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 2021-09-22 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: SLM CORPORATION
State: MD

Complaint narrative:
Remove these accounts from the 3 bureaus as they are affecting my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
Remove these accounts from the 3 bureaus as they are affecting my credit report.

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 2021-09-22 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: GA

Complaint narrative:
I am a victim of identity theft. There are fraudulent accounts on my credit report that need to be removed immediately. 

Collection Companies XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Credit Bureaus XXXX XXXX TransUnion These collection companies and all three credit bureaus are in violation of 15 USC 1681b - Permissible purposes of consumer reports by reporting to the credit reporting agencies without my written permission. They are also in violation of FDCPA Section 807 False or misleading representations. All three credit bureaus are in violation of federal law and have refused to acknowledge these laws. My federal rights have constantly been violated for going on over a year now. I have asked for proof which is required according to federal law, and they still have not complied. I advise XXXX, XXXX and TransUnion to cease and desist collecting and reporting the accounts until they have provided and supplied the full, thorough details surrounding their reasoning for keeping the accounts on my report against my wishes as a consumer. This is not only harming my credit report, it is also harming my chances of owning a home.

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 2021-09-22 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
This is my 3rd CFPB complaint. On XX/XX/21 I received a collection call at approximately XXXX XXXX, waking me up in vacation. Wells Fargo has been notified of the acceptable hours to contact me both verbally and in written form. 

Collector did not verify that she was speaking with correct party. When I asked for a supervisor, he also failed to properly verify my identity per FDCPA regulations. The supervisor also refused to provide me his legal name, denying me my legal right to hold said representative accountable in a court of law ( should that ever happen ). I hung up on him and called back. When I spoke with another supervisor I explained the previous representative refused to provide his last name. I also brought up my last Unresolved CFPB complaint. 

Wells Fargo admitted to calling me at XXXX XXXX. I have requested, and still have not received, the {$1000.00} due me for this FDCPA infraction. Now, we have two representatives who didnt even VERIFY they were speaking with correct individual. That will be another {$1000.00}.

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 2021-09-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TransUnion is not complying with their own policies in a timely manner. I mailed a letter with the date of XX/XX/2021 outlining all incorrect information regarding several accounts on my credit report. Then I followed up with another letter to the credit bureaus that has the date XX/XX/2021. Theres still no final resolution or response regarding the incorrect information that is on my credit report from the credit bureaus. Also another letter was marked XX/XX/2021 to remove inaccurate credit information and I havent received any response regarding the letter marked XX/XX/2021. I see multiple FCRA violations and misleading false information thats being reported from several accounts. Also TransUnion and XXXX is sharing false information that is being reported on my credit report. This information is false and also a violation of my character and my credit.

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 2021-09-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: FL

Complaint narrative:
I'm seeking validation of this debt that is said to be owed, I have not opened such account with Credit Management LP. 
I've reached out to XXXX, XXXX and XXXX multiple times and this such debt has not been validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Remove these accounts from the 3 bureaus as they are affecting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
On the Experian page where my credit report is, I looked at the data for my XXXX XXXX. 
It show that I made payments for XXXX XXXX XXXX and XXXX. 
It did not show my XXXX payment. 
I opened a dispute and said the XXXX payment check mark showing I payed in XXXX was not showing. 
Then dispute number is... XXXX They came back and said they checked with XXXX and said the following in the Dispute results. 

What happened? 

The dispute for the account with XXXX XXXX  XXXX/XXXX  that starts with XXXX was not changed as a result of our processing of your dispute. The company that reported the information has certified to Experian that the information is accurate. 

Source : Experian Date Submitted : XX/XX/2021 Report Number : XXXX Account Number : XXXX Company : XXXX XXXX XXXX/XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  NY XXXX I have taken a screen shot of my XXXX XXXX XXXX statement which I will include. 
Also and this is IMPORTANT. 
On the Experian site they show that my XXXX XXXX Account was opened on XX/XX/XXXX! 
Now I don't know what XXXX XXXX person they gave to handle the dispute but they need to get their act together. If they had even looked at their Experian site and clicked on The cards Account info,,, ,this is what is says ... this is a copy paste from that document. 

over over labels for more details Account number XXXX Account status Open Date opened XX/XX/2021 Account type Credit Card Date opened... XX/XX/XXXX! I also have a screen shot of my XXXX statement and it shows I paid {$4.00} in the month of XXXX. I will include that in this complaint. 

My guess is they never contacted XXXX because if they had, XXXX would have said I did make a payment in XXXX and that the card was in fact opened in 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