vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-23 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: GA

Complaint narrative:
I sent XXXX rounds of dispute letters for unauthorized inquiries on my credit report. Never received a response back. These companies never looked into my dispute. 
Sent XXXX dispute letter out on XX/XX/21 and again on XX/XX/21 never received a response for either letter. And my disputes are not frivolous. I did attach my drivers license and social security card for verification still no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AZ

Complaint narrative:
i am being charged over XXXX dollars in a late fee even though i'm not late. i am about to pay my mortgage payment and i am in the grace period for the payment and already this comapny has charged me a late fee which is outrageous. i have been ill and that is why i didn't pay on my due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I had my loan in forbearance for the first pandemic. The pandemic forbearance ended and the company has been giving me a hard time about coming up with a solution for the end of the forbearance. I am a XXXX vet with XXXX. They had me fill out some online form which was incorrect but the man submitted it anyway without giving me the opportunity to fix it and now I can not get anyone to return phone calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
My husband and I did a modification in 2020, and we were able to get our mortgage straight and we had to start making payments in XXXX 2020. everyone had been on time since in XXXX we received a letter saying that we were behind when we had made the payments. And as of today since XXXX we have trying to get our account straight I have been talking to everyone that I could and still right today nothing has changed. We are so tired of trying since XXXX to get everything updated, I have email also talking on the phone we need help because this is effecting our credit report showing that we are two months behind and that's isn't true.

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 2021-11-23 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: PA

Complaint narrative:
My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have several times to try to reach out by calling, certified letters sent to Equifax about these unknown credit inquiries on my report. Still has not been resolved. Yes, I am aware of the pandemic, etc. but what about the proof that I submitted several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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: CA

Complaint narrative:
Hi I already have a dispute submitted with the CFPB ( Complaint ID : XXXX ) in regards with Bank of America , due to a deposit not going through due to a faulty ATM machine at the their location XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX On XX/XX/2021 around XXXX. I submitted XXXX in their ATM ( there was no suction noise the money simply just " fell '' inside ) after that the machine froze and " spat '' out XXXX dollars back and the ATM had shown that XXXX was deposited. Attached within this email is Bank of America 's decisions to deduct the credit that was given, which will be deducted on XX/XX/2021. A few details I'd like to mention like to mention ; that no receipt was given, the ATM machine kept freezing, there was no suction sound when the cash slot opened, the machine in reference is the machine outside of their business ( there are only two machines one is for pedestrians by foot and the other a drive-thru, XXXX XXXX XXXX XXXX ) I also found a near identical case to what happened to me that day, that happened to someone else hopefully this can shed some clarity to the events that transpired to me for whomever is reading. I just want the money I lost. I'd like to thank you in advance for your help. 
The link is : XXXX XXXX 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 2021-11-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This account has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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:
I did not consent to, authorize nor benefit from any of the following accounts. Ive been a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have tried several attempts to resolve this matter with Experian XXXX by calling and sending certified letters. What more else can be done but to report to Congress, Attorney General Office, FTC my voice will be heard.

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 2021-11-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc.
State: CA

Complaint narrative:
I have been a victim of identity theft and numerous utility accounts have been opened and charged up and unpaid in Texas. I have been able to clear some of these thus far and have placed a freeze on my credit. I have never lived in Texas ( have resided in XXXX since birth ) and have not given my permission to anyone to use my information. My former name is being used as well as my birthdate and social security number. XXXX XXXX XXXX XXXX {$660.00} ( reported as XXXX filed dispute ), XX/XX/2021 -- XXXX XXXX : {$420.00} ( reported as XXXX filed dispute ). I was made aware of both of these fraudulent accounts via debt collectors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-23 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: AZ

Complaint narrative:
I have the following problems that need to be investigated, previous addresses that are not mine and my NAME is totally wrong and an account that is not mine, a letter is enclosed that explains everything

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.

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 2021-11-23 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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: TX

Complaint narrative:
The purpose of this complaint is the let the CFPB know that XXXX and TransUnion have violated my right under FRCA and Fair credit and billing act. I have sent numerous letter by certified mail requesting full validation and the creditor right to collect on these XXXX accounts that I have no knowledge of the XXXX name accounts are XXXX XXXX XXXX Account number XXXX and XXXX XXXX XXXX Account number XXXX. Please ask the bureaus to send the requested info as I have the right to know under these two laws

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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: TX

Complaint narrative:
The purpose of this complaint is the let the CFPB know that Experian and XXXX have violated my right under FRCA and Fair credit and billing act. I have sent numerous letter by certified mail requesting full validation and the creditor right to collect on these XXXX accounts that I have no knowledge of the XXXX name accounts are XXXX XXXX XXXX Account number XXXX and XXXX XXXX XXXX  Account number XXXX. Please ask the bureaus to send the requested info as I have the right to know under these two laws

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 2021-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have attempted NUMEROUS of time to have this issue resolved... I noticed a couple months ago on my report, numerous of UNAUTHORIZED credit inquiry 's that WERE NOT solicited by me on my report.. I sent physical dispute letters on XXXX different occasions on XX/XX/XXXX, XX/XX/XXXX and A XXXX attempt on XX/XX/XXXX. The response I was given is that they are " investigating '' to verify the information every time and it resulted in the erroneous items still staying on my credit report and negatively affecting my score when I clearly stated such items were unauthorized and inaccurate. It has been well over 30 days since my initial dispute of this inaccurate information. Per the Fair credit reporting act companies have 30 days to conduct their investigation once that time has passed and the information can not be verified they have an obligation by law to remove it and once again NOTHING HAS BEEN DONE TO RESOLVE THIS MATTER. 

Both XXXX AND XXXX are violating the Fair Credit Reporting Act and my rights as a consumer. 
This is my final attempt before taking legal action to seek damages and exercising my rights as a consumer because there is a clear violation of FCRA 15 U.S.C 1681. 

XXXX INACCURATE REPORTING XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX BANK XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXXXXXX JPMCB  - XXXX XXXXE XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have attempted NUMEROUS of time to have this issue resolved... I noticed a couple months ago on my report, numerous of UNAUTHORIZED credit inquiry 's that WERE NOT solicited by me on my report.. I sent physical dispute letters on XXXX different occasions on XX/XX/XXXX, XX/XX/XXXX and A XXXX attempt on XX/XX/XXXX. The response I was given is that they are " investigating '' to verify the information every time and it resulted in the erroneous items still staying on my credit report and negatively affecting my score when I clearly stated such items were unauthorized and inaccurate. It has been well over 30 days since my initial dispute of this inaccurate information. Per the Fair credit reporting act companies have 30 days to conduct their investigation once that time has passed and the information can not be verified they have an obligation by law to remove it and once again NOTHING HAS BEEN DONE TO RESOLVE THIS MATTER. 

Both XXXX AND TRANSUNION are violating the Fair Credit Reporting Act and my rights as a consumer. 
This is my final attempt before taking legal action to seek damages and exercising my rights as a consumer because there is a clear violation of FCRA 15 U.S.C 1681. 

TRANSUNION INACCURATE REPORTING : XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXXL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXXXXXX XXXXS, XXXX XX/XX/XXXX XXXX - XXXXXXXX XXXX  XX/XX/XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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: SC

Complaint narrative:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
Complaint summary : On XXXX XXXX, I paid in FULL the amount of {$530.00} for per day care services for my pet dog. 
Start date : XXXX XXXX End date or good through XXXX year. 

Issue : On XX/XX/21, XXXX XXXX  ( XXXX XXXX, NV ) company notified me via email, that theyre filing bankruptcy and going out of business and will NOT refund the monies paid for services already paid for but not yet rendered. 

MY Actions taken in an attempt for resolution : XXXX : Called AMEX and they refused both to initiate a Dispute/Fraud claim or to credit to the account as they claim this case falls under subscription services but the argument here remains as outlined below- services PAID IN FULL but NOT rendered. 
Supporting evidence attached/included : XXXX call to Amex XXXX Amex Feedback request to me XXXX Merchant email to me notifying clients of Business Closure ( merchant refused to answer phones ) XXXX : Merchant notice of business paused ; advising clients that they were paused but would reopen. Note : but the merchant did NOT reopen, and instead, notified their clients of their permanent closure XXXX XXXXays later on XXXX XXXX : Merchant notice of Paused Business from Merchant Website Applicable regulations : XXXX  The merchant knowingly engaged their customers such as myself in Unfair and Deceptive Acts and practices XXXX XXXX  ) for bait and switch in charging and receiving funds or payment without services rendered or merchandise received, which is interrelated with XXXX XXXX for billable dispute. 

Desired resolution : Reopen this CFPB Complaint ; Original CFPB Case : # XXXX Reforward this case to AMEX XXXX XXXX AMEX XXXX XXXX XXXX XXXX Pull/listen to the call between myself and your frontline Customer Service Agent dated XXXX XXXX 
XXXX This is an Amex credit card therefore I am not protected by traditional XXXX XXXX XXXX  guidelines so please kindly peruse this clearly outlined case in its entirety and champion a win on my behalf with the below resolution. 
Issue Full refund back to my credit card totaling {$530.00}, pursuant to the XXXX  above. 

Next steps : In filing this Federal complaint with your CFPB portal, I have taken similar action with the XXXX XXXX XXXX XXXX XXXX XXXX, the Nevada  Office of the Attorney General, and am prepared to share this story of consumer fraud/scam with the Local channel XXXX Action news to shed light and awareness to other innocent consumers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My company has an employee stock purchase plan administered in XXXX through XXXX brokerage. I sold some stocks on XXXX XX/XX/2021 XXXX ) On XX/XX/2021 brokerage sent the money, EUR XXXX to my Bank of America account XXXX ) This method has been working for the last XXXX years so nothing changed in the wire transfer process XXXX ) I did not get the money after XXXX days, XXXX sent me proof of funds transfer document that has entire SWIFT message detailing money indeed was sent to Bank of America, via their bank, XXXX Bank of America has refused to help track this down. I have called them on XXXX occasions and offered to share the trace that was sent. The person at the other end of the phone says we have not received it, and there is nothing we can do about it. I have the XXXX that XXXX sent XXXX me as proof but they refuse to evaluate that or take a look or figure it out NO MATTER WHAT. XXXX is clear that money did make it to Bank of America but Bank of America refuses to accept that proof. 

It takes XXXX minutes to an hour on hold to get to someone in Bank of America XXXX wire transfer department. To me it seems, the person on the phone does not understand how to trace wire transfers as they are stuck trying to figure out using amounts. They do want to take a look at the docs XXXX sent and troubleshoot where it is stuck in their system. 

The complex ways in which money moves in international wire transfers needs someone who can troubleshoot it and figure it out. XXXX XXXX docs shows it was sent to Bank of America XXXX in XXXX and there is a XXXX  code for Bank of America in XXXX XXXX as well. It is stuck on Bank of America in XXXX but Bank of America refuses to open a ticket and pursue this end-to-end with their international financial institution. If needed both XXXX and Bank of America need to WORK TOGETHER to resolve it.

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