vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
On XX/XX/2021 I was trying to connect XXXX XXXX to my new TV and in doing so I was given a code to put into my phone in which I did and was prompted to call this number XXXX. I called the number and was told to download the app XXXX  and then these scammers took control of my phone. My bank card was connected to XXXX XXXX and the people started sending money to themselves at cash tag XXXX XXXX and XXXX XXXX. They told me they had to access the card on my XXXX  account which was XXXX XXXX. They also took XXXX $ off my XXXX account which was on my Bank of America account but they returned that money but not the rest. I had just cashed the money out to put in my bank account why would I take it back out that soon. I contacted my bank and XXXX XXXX as soon as I realized what happened closed the bank account and reopened another one and never put another dollar into XXXX XXXX. I don't understand why they returned the money sent through XXXX which was definitely fraud but will not return XXXX . I have sent thousands of dollars between XXXX XXXX and Bank of America and I don't understand why no one will help me get my money back. I will never trust a bank again because fraud happens and you should have your customers back. I never been through anything like this before.

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 2021-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I disputed a XXXX account as not mine and the investigation finished on XX/XX/XXXX showing the account is mine. I accept this. TransUnion made an error updating my credit report. It shows that my four late payments were in XXXX, XXXX of XXXX then again in XXXX and XX/XX/XXXX. TransUnion did not understand that they updated my credit report incorrectly on XX/XX/XXXX. The investigation results from XXXX show that these payments were from XXXX. It now looks like I was delinquent this year and that is not true. TransUnion says I need to dispute with XXXX, but it is TransUnions reporting of the investigation results at issue.

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 2021-04-07 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc.
State: GA

Complaint narrative:
After multiple investigations and sending certified letters. It is evident that my FCRA rights and need to remove NCB Management. My FCRA rights have been violated and if NCB management isn't removed immediately my attorney will have to file a lawsuit in XXXX XXXX, GA. 

Ive created 5 disputes since XXXX and this credit reporting agency is violating my rights and is not taking my facts seriously. 

NCB is continues to report inaccurate information. This account appears on XXXX XXXX report as well so why does the responsibility show individual? Again this company refuses to report accurate information. 

XXXX shows {$7500.00}. The amount shown by NCB Management is {$7600.00}. Again this is all incorrect. NCB Management and XXXX have a contract agreement for {$7600.00} dated in XX/XX/XXXX ; however, as shown in the statement the amount is shown as {$7500.00}. 

NCB Management doesnt have a contract for {$7500.00} yet this is the amount XXXX shows which is the original creditor. 

NCB also shows as a collection from XX/XX/XXXX-XX/XX/XXXX but how can this be when the account shows an open date of XX/XX/XXXX. Another inaccuracy. 

In addition, the first date of delinquency was XX/XX/XXXX as shown on the XXXX PDF. Therefore, this account should be removed because of the first date of delinquency. The statement also shows late fees and charges as of XXXX. 

NCB shows that this account is on record until XX/XX/XXXX. Thats another inaccuracy as it should be deleted bc of the first date of delinquency. 

I'm not asking for an investigation as it is apparent NCB Management does not take this seriously. This account needs to be removed based on multiple inaccuracies and the first 30 day late was in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: NY

Complaint narrative:
I requested verification of an account with XXXX XXXX XXXX which I could not recognize as mine. I also requested the same from the creditor, both in writing on XX/XX/2021 via USPS Certified letter requiring a signature. Not receiving any reply, I sent two more letters at 30 days intervals, again certified with signature, repeating my request and spelling out what laws were protecting my request and my right to an answer. Today, almost three months later, having received no response I decided to take action. I sent another certified letter to the creditor and the three bureaus requesting deletion of the creditor account for failing verification. 
I am filing this complaint to create a record in case they do not take action. In 30 days I will check again my credit report to see if they deleted the wrongful 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 2021-04-07 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:
I requested verification of an account with XXXX XXXX XXXX which I could not recognize as mine. I also requested the same from the creditor, both in writing on XX/XX/2021 via USPS Certified letter requiring a signature. Not receiving any reply, I sent two more letters at 30 days intervals, again certified with signature, repeating my request and spelling out what laws were protecting my request and my right to an answer. Today, almost three months later, having received no response I decided to take action. I sent another certified letter to the creditor and the three bureaus requesting deletion of the creditor account for failing verification. 
I am filing this complaint to create a record in case they do not take action. In 30 days I will check again my credit report to see if they deleted the wrongful 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 2021-04-07 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: TX

Complaint narrative:
FCRA violations : XXXX A XXXX This request can not be processed online. XXXX maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX XXXX XXXX XXXX This request can not be processed online. XXXX maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: CA

Complaint narrative:
I requested an investigation on a bankruptcy reported on my Experian file under my social security number which they responded their provider has confirmed the accuracy of the information, and yet when I requested the method of the investigation and the source of the information provide for over a year Experian has refused to provide that information even though I opened a complaint with CFPB ( Complaint # XXXX ) and they just responded again with a predefined response without providing information about the method of investigation and the detail of the information provider. 
I also included a copy of the court response letter which they completely ignored to consider. 
Experian is in violation of my FCRA rights and must provide the details on the source of the information they include in my Experian report as per FCRA.

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 2021-04-07 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: Fidelity National Information Services, Inc. (FNIS)
State: IL

Complaint narrative:
I recently received an account opening denial from XXXX XXXX. In there writing they said it was a negative report from Chex systems. I had a prior complaint to them last year regarding negative false reporting by XXXX XXXX XXXX, case number XXXX. 

I called them up over a week ago and I asked them what was being reported and they said there is no negative reporting on your account, but the guy became very rude in his response, and i noted a year prior another person who was from XXXX treated me like I was a guilty criminal and didn't do anything. I let that woman know how wrong she was and that you can not assume i am involved with check fraud because an institute reports it. I believe negative reporting ( especially internal notes ) is still being reported with out me knowing. XXXX XXXX closed 2 newly open trading accounts, one with shares in them. I have gone back and forth with XXXX XXXX about this and they tell me its ChexSystems reporting this and I don't even know what it is, and nobody will tell me what it is. 

I have a SBA EIDL loan in process them telling me nothing negative is on my account and not sending me a report has me really bothered, and people with these type of attitudes for what ever reason has me concerned. Chexsystems operates with impunity in negative reporting whether you are guilty or not, and there is no one or nothing to keep them in check. My question is why???? 

Respectfully, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Dovenmuehle Mortgage, Inc.
State: TX

Complaint narrative:
Dovenmuehle mortgage has been reporting erroneous and inaccurate payment history to all 3 credit reporting agencies. On XX/XX/2021, sent two separate formal emails per their protocol asking them to remove derogatory and inaccurate reporting and they promised to conduct investigation and remove if erroneous, but no investigation has been completed and we are passed statutory 30 days. 
They are in violation of Federal law and need to be reprimanded. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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:
There are 5 accounts appearing on my credit report from all bureaus that are reporting incorrectly since they do not belong to me. I have tried to dispute these items since XX/XX/2020 but each time they have no answer for me I opened an FTC report and reached out to the bureaus via phone calls but I am getting the run around and I feel like they are working on convenience and will not help me. I am at my wits end with this. 

XXXX XXXX XXXX XXXX XXXX - Acct # XXXX Amt {$2200.00} XXXX XXXX XXXX XXXX XXXX - Acct # XXXX Amt {$2700.00} XXXX CARD - Acct # XXXXAmt {$3900.00} XXXX XXXX - Acct # XXXXAmt {$12000.00} XXXX XXXX XXXX - Acct # XXXXAmt {$2600.00}

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 2021-04-07 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:
There are 5 accounts appearing on my credit report from all bureaus that are reporting incorrectly since they do not belong to me. I have tried to dispute these items since XX/XX/2020 but each time they have no answer for me I opened an FTC report and reached out to the bureaus via phone calls but I am getting the run around and I feel like they are working on convenience and will not help me. I am at my wits end with this. 

XXXX XXXX XXXX  XXXX XXXX - Acct # XXXX Amt {$2200.00} XXXX XXXX XXXX XXXX XXXX - Acct # XXXX Amt {$2700.00} XXXX CARD - Acct # XXXXAmt {$3900.00} XXXX XXXX - Acct # XXXXAmt {$12000.00} XXXX XXXX XXXX - Acct # XXXXAmt {$2600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
After multiple investigations and sending certified letters. It is evident that my FCRA rights and need to remove XXXX XXXX. My FCRA rights have been violated and if XXXX XXXX isn't removed immediately my attorney will have to file a lawsuit in XXXX County, GA. 

Ive created 5 disputes since XXXX and this credit reporting agency is violating my rights and is not taking my facts seriously. 

XXXX  is continues to report inaccurate information. This account appears on XXXX XXXX report as well so why does the responsibility show individual? Again this company refuses to report accurate information. 

Exeter shows {$7500.00}. The amount shown by XXXX XXXX is {$7600.00}. Again this is all incorrect. XXXX XXXX and Exeter have a contract agreement for {$7600.00} dated in XX/XX/XXXX ; however, as shown in the statement the amount is shown as {$7500.00}. 

XXXX XXXX doesnt have a contract for {$7500.00} yet this is the amount Exeter shows which is the original creditor. 

XXXX also shows as a collection from XX/XX/XXXX-XX/XX/XXXX but how can this be when the account shows an open date of XX/XX/XXXX. Another inaccuracy. 

In addition, the first date of delinquency was XX/XX/XXXX as shown on the XX/XX/XXXX PDF. Therefore, this account should be removed because of the first date of delinquency. The statement also shows late fees and charges as of XXXX. 

XXXX shows that this account is on record until XX/XX/XXXX. Thats another inaccuracy as it should be deleted bc of the first date of delinquency. 

I'm not asking for an investigation as it is apparent XXXX XXXX does not take this seriously. This account needs to be removed based on multiple inaccuracies and the first 30 day late was in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION
State: OH

Complaint narrative:
My account was closed with out any knowledge to myself not allowing me to access any funds and now I have to wait 10 days for and explanation and my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: GA

Complaint narrative:
Savings account XXXX was closed without notice or authorization. PNC bank engaged in unethical business practices by performing unauthorized closure of the savings account. This has led to multiple issues with auto-debit and auto-payment linked to this account. My preferred method of communication is via letter ( USPS mail ) or PNC secure message or via e-mail. Unfortunately, due to limited resources and to preserve account security, I'm unable to communicate via via telephone. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: MI

Complaint narrative:
IQ DATA INT'L INC XXXX, is violating my rights. as a Federally Protected Consumer, Original Creditor, Principal and Authorized Representative for all accounts created by my seal/signature,. 
The account in question is a debt buying company that is violating several FCRA FDCP statutes. 1692. ( b ) Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt ; ( 3 ) not communicate with any such person more than once 15USC 1692 ( f )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
A debt was reported to the credit bureaus by this company and/or their affiliates that is not mine.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: PA

Complaint narrative:
Hello, I contacted Equifax several times about issues pertaining to my credit report and my right my first attempt in XXXX then a complaint here in XXXX now again because they have yet to send me the documents I requested verification of debt how they verified the debt once mines and contracts bearing my signature. 
The following accounts raised concerns and I addressed them multiple times. 
It's been the past 30 days and I would like these accounts deleted from my credit report. 
* XXXX XXXX XXXX XXXX * XXXX XXXX * XXXX XXXX * XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have been dealing with 2 loan officers and expressed to them my frustration and desire to get my loan appication completed. Also, have called the bank loan manager and have not yet been able to reach her.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: VA

Complaint narrative:
This company : Closing USA LLC involved in my home refinance process in 2020, and all the closing process is done. 

However, when I review the document they supplied to us, there is one item called 'current property taxes due to XXXX XXXX ', the total amount is {$4100.00}, and I also reached out to XXXX XXXX admission department, the staff there confirmed that this amount of tax is paid by closing usa LLC , But I did not receive any Year 2020 form 1098 from Closing USA LLC till now, it is only one month left for the deadline of the tax return. I am very anxious. 

I tried to reached out to closing usa llc using phone, email, voicemail, but none response at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My credit score dropped by over 100 points from XX/XX/XXXX to XX/XX/XXXX. 
I have reviewed my credit report and all 3 scores from the main credit bureau. There are 2 accounts in question - my student loan account and my XXXX XXXX credit card. 

I was severed from my job in XX/XX/XXXX. My unemployment benefits ran out in XX/XX/XXXX and at the same time, my APR for that wells fargo credit card increased from 0 % to 19.5 %. I was making payments, on time, but because of the increased credit rate, it put me over the credit limit and the payments I was making were still considered " late '' because I couldn't pay the entire amount. 

If you review both the student loan and credit card history, I have made timely payments for 3+ years. While I had an unfortunate circumstance due to the job loss and lack of income, that should not have affected my credit score by over 100 points in 30 days. The accounts previously mentioned are both current and have been since XXXX and XXXX and are in good standing. In reaching out to all 3 credit bureaus, I can not get an answer on WHY my credit score dropped so significantly in such a short amount of time. Also, due to Covid/Job loss, I would expect some grace would be given in this cirucmstance.

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 2021-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, in fact exists.

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