vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-12 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/2021, I attempted to transfer funds from my HELOC via the Bank of America 's automated phone system to my checking account. When I pressed the appropriate phone number button, the system gave me a verbal response : " unable to transfer from HELOC ''. It should be noted that I had been able to make payments to and transfer funds from my HELOC using the BOFA phone system. I depend on this system as I'm totally XXXX, and am uncomfortable doing these same tasks online. I then tried via voice commands to do same with same result. I called the HELOC/Mortgage number and spoke with XXXX who, after some difficulty was able to transfer the funds to my checking account. She also generated a case number and said she'd escalate the issue. Additionally, I was unable to make payments to my HELOC, though I'd been able to do so in the past. 

The next day, I went down to the local branch and spoke with the assistant manager, XXXX. She said she'd also look into this matter. A week later, the problem still hadn't been resolved, though I did get an update to that effect from XXXX. As of today, the system 's still broken. I can neither transfer from or make payments to my HELOC via the phone system. I should be able to do this independently as I had been able to do so in the past.

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 2021-04-12 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: NY

Complaint narrative:
I have 4 Inquiries on my Equifax credit report that are due to Identity Theft. 
I did not authorize these Inquiries and I do not recognize these Inquiries. 

XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I made double payment by mistake i.e. over paid about {$3200.00}, 45 days ago. 

Still struggling to get my money back. Now the agent says it could take another month or so for Bank of America to complete the investigation and provide me the money back. 

Business credit card ending 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 monetary relief
Consumer complaint received 2021-04-12 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: GA

Complaint narrative:
I have disputed with Transunion and XXXX  on several occasions about a creditor I have no affiliation with. XXXX XXXX XXXX XXXX has no legal authority or affiliation with me. I have tried on a number of attempts for them to remove the reporting. They are knowingly hurting my credit standing. They knowingly will not even report any information. I have submitted cancelled checks proving payments. I have provided my court ordered child support documents from the state of Georgia. The Georgia  court orders me to directly pay XXXX, my ex spouse directly. I have complied for over 10 years. 

I respectfully request these credit agencies remove this creditor immediately. It is very sad a Government department can abuse their power and authority and knowingly cause harm to an individual from another state that has absolutely no obligation to work with them. 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 2021-04-12 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I'd Really like for Experian to take a look at the negative item that Ive listed below, because Ive tried again and again to make sense of what Im seeing. unfortunately. I cant make heads or tails of this and need your help Ive found multiple inaccuracies and Im aware that your job is to ensure the accuracy of my credit report. if you would, please investigate these item and send me a new credit report reflecting the changes ( I would appreciate it if youd expedite this because i need to apply for a job ). if you really look at the info that ive provided, youll see why ive said these arent reported correctly what i cant figure out is why im seeing this information to begin with, because arent you supposed to verify everything before it every hits my credit report i really dont think that youve done this so i would really like for you to fix this now. please investigate the following account : 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 2021-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
Parties : 1. XXXX XXXX XXXX XXXX, 2. XXXX XXXX XXXX at XXXX XXXX, 3. XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX From : XXXX XXXX XXXX Sent : Monday, XX/XX/XXXX XXXX XXXX  To : XXXX Assitant Manager XXXX Subject : Re : XXXX XXXX Dear XXXX - I am extremely disappointed. I am trying to get to the bottom of why there is a collections account filed for me? When I turned in my door keys and mailbox keys to you in XX/XX/XXXX, I asked you whether there was anything else needed. You stated that everything had been finalized and gave me a receipt. You indicated that there was no balance owed and you took my mail forwarding address for any further correspondence. I did not receive any communication from you. However in XX/XX/XXXX, a collection agency called me and said that I had an outstanding balance. I thought that this must be a mistake, so I called your office to find out and I even emailed you as seen below. I have not received any correspondence from you or your office and unfortunately, a collections has been placed on my credit file. 

XXXX, we both know that I do not owe any rent to XXXX XXXX XXXX. I have kept all of my receipts, all of which are signed by your staff as paid. I have pictures after my move that show that there was no damage done to the apartment. So, I can not imagine why my account was sent to collections. I have repeated asked for someone to show me a balance sheet to see where these charges originated. However, I have yet to receive this information. My requests for information are being ignored and yet my credit is being negatively affected. 

From : XXXX XXXX XXXX Sent : Wednesday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX XXXX ; XXXX Assitant Manager XXXX Subject : Re : Apartment XXXX XXXX - did you send an account to collections for me? I moved out in XX/XX/XXXX and I received a notice from a collection agency that stating that I owe a balance. This is not true. I do not owe a balance and I did not owe a balance when I moved out. I was never notified of any such balance and when I turned in my keys, I was not told of any balance. Since I moved out, no one contacted me letting me know that there was a balance and then out of the blue, I get this notice and the collection agency has been calling me demanding that I pay money that I do not owe. 

I would like to know what is going on? 

Regards.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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: TX

Complaint narrative:
MY MORTGAGE WAS PAID IN FULL WITH NO LATE PAYMENTS ON XX/XX/2021 XXXX XXXX IS THE MORTGAGE COMPANY THE AMOUNT OF THE LOAN WAS 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 2021-04-12 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
MY MORTGAGE WAS PAID IN FULL WITH NO LATE PAYMENTS ON XX/XX/2021 WELLS FARGO IS THE MORTGAGE COMPANY THE AMOUNT OF THE LOAN WAS 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 2021-04-12 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/1989 I purchased two CD 's from XXXX  XXXX and put them in a safe deposit box and forgot about them. When I closed out the box and found them recently I discovered that XXXX XXXX XXXX doesn't exist any more. I called the FDIC and they told me to contact the NYS Comptroller office of unclaimed funds and ask them to see if they have the accounts ( Reference XXXX ). On XXXX XXXX they sent me a letter that stated that their research has found no unclaimed money in my name. 
I contacted the FDIC again and they informed me that XXXX XXXXXXXX merged with XXXX XXXX  and is now known as JP Morgan Chase Bank. I therefore want to file a claim against JP Morgan Chase Bank so that I can cash my CDs and reclaim my money. 
Anything you can do to assist me would be most appreciated. CDs  correspondence and any other information you may need is available upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
At four times over the past two months and twice in the past week I have been totally shut out of accessing my funds in my NFCU accounts. 

I have several accounts and about {$300000.00} cash in these accounts. I need to move money to pay my tax returns and to meet other obligations. 

Over the past week I personally have on the phone with them literally three hours to no avail. They have recorded call data to substantiate my statements Further in XXXX my NFCU debit card was compromised and they use the same data to verify me ( DOB, SSN, etc! )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian, XXXX, and XXXX  is publishing incorrect and inaccurate information on a closed account on my consumer report the account name is XXXX  XXXX  and or XXXX XXXX XXXX it has inaccurate and incorrect information according to the balance, credit limit, payment history, older derogatory events, closed date, last activity, terms, scheduled payment, company name and according to the FCRA they are violating the FCRA 15 usc 1681

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 2021-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
My father died on XX/XX/2021 in XXXX XXXX, Florida. On XX/XX/2021, I went to the Chase Bank branch where his checking account was held at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. I presented the death certificate and requested closure of the account. I am the beneficiary upon death and the bank did have that information on record. The agent assisting me urged me to go into the account and make sure all auto-pays were stopped before closing the account. I did that and returned the next day to request closure of the account. Because this bank account is where his monthly social security payments of approximately {$1400.00} were deposited, the agent informed me that the account would be on hold until Social Security confirmed that the last payment, which arrived XX/XX/XXXX, is valid. She explained that social security has 120 days to reclaim these funds, but I could request a letter from social security that would allow them to close the account. The account currently has more than {$16000.00} on deposit. When I log into the checking account, it looks as if the account is overdrawn by $ XXXX, so of course all funds are frozen. 

It is now XX/XX/XXXX, and after repeated ( 5 ) calls to social security, both local and national offices, they have consistently told me that they do not have a policy of issuing letters to financial institutions. They have consistently told me that it is up to Chase to send the funds in question back to Social Security if there is any question about the validity of the last payment. There is no order of reclamation on file with social security. I have called Chase bank branches both in my local area ( XXXX, MD ) and the originating branch and have not received resolution. There is no justification for this delay without explanation. 

It is unjust that Chase bank is holding my funds in excess of {$14000.00} ( excluding the social security payment in question ) for nearly 30 days. I would like to see resolution of this matter immediately so that I may pay my father 's funeral expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
My card was used multiple times on XXXX I got a email saying my card had been locked so I called and confirmed them transactions were not me why lock my card if it was me thats how they kno my card was being used multi times for 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 2021-04-12 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: U.S. BANCORP
State: MN

Complaint narrative:
I was scammed out of my Checking, Savings and reserve line. I had Provsional money added to my account for the amount of {$7500.00}. That is a little less than what I was scammed for. Now they have stated, they are going to reverse it because it was authorized. The scammer scammed and manipulated me into getting gift cards they claimed was an overpayment for renewal service that was done. The XXXX XXXX  did do service 2 years ago and I thought the email was from them and that I overpaid them. It was ALL A Scam. Now the bank wants to TAKE MY LIFE 'S SAVINGS. I've been with US Bank for XXXX yrs and worked for them XXXX yrs. HOW and WHY would I authorized scammers to TAKE MY MONEY. What is FDIC for? I am at retirement age and that was ALL I had. I need help in getting my money back into my accounts. PLEASE HELP..

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 2021-04-12 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: OH

Complaint narrative:
There was an account on my report that had been paid in full and closed but did not reflect that on my experian credit report. I disputed it and they only changed it to 50 % paid and did not remove it. I disputed again with the letter from the company stating stating account was paid in full and experian said there wasn't enough information to remove the account and now they are refusing to remove from 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 2021-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: United Check Recovery Bureau, Inc.
State: VA

Complaint narrative:
I asked for the company address so that I could write a letter they provided the wrong address to me. I was unable to send any letters to them. They continue to call on a automatic dialer. I am unable to ask them to stop or to verify the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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 an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and the transactions I dispute was opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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: DISCOVER BANK
State: TX

Complaint narrative:
XXXX, XXXX, I was cyber scammed, I had Discover card agent on the phone telling them do not except this charge, they still gave the bad guy the money. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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: NJ

Complaint narrative:
I'd Really like for XXXX to take a look at the negative item that Ive listed below, because Ive tried again and again to make sense of what Im seeing. unfortunately. I cant make heads or tails of this and need your help Ive found multiple inaccuracies and Im aware that your job is to ensure the accuracy of my credit report. if you would, please investigate these item and send me a new credit report reflecting the changes ( I would appreciate it if youd expedite this because i need to apply for a job ). if you really look at the info that ive provided, youll see why ive said these arent reported correctly what i cant figure out is why im seeing this information to begin with, because arent you supposed to verify everything before it every hits my credit report i really dont think that youve done this so i would really like for you to fix this now. please investigate the following account : XXXX XXXX  # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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: PA

Complaint narrative:
Attempts to get free credit report from Equifax.com have been thwarted by their incorrect security questions. Their questions ask to identify two accounts from a list of eight, for which " None '' is the correct answer, and to identify an outstanding balance, again the answer is " None. '' I get stonewalled at that point. The questions lead me to believe that unauthorized people have piggybacked onto my identity via Equifax! I spoke with " XXXX '' on XX/XX/2021 who could not resolve issue.

Company response to consumer: Closed with explanation