vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-31 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: MO

Complaint narrative:
Letters were sent to all 3 reporting agencies on XXXX. 
I nor my husband XXXX XXXX have received anything. These inaccurate findings are PREVENTING us from purchasing a home. This is VERY disrespectful to not respond in 4 months now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Letters were sent to all 3 reporting agencies on XXXX. 
I nor my husband XXXX XXXX have received anything. These inaccurate findings are PREVENTING us from purchasing a home. This is VERY disrespectful to not respond in 4 months now.

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 2020-12-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have a late payment on my account because i attempted to pay it online repeatedly and they kept kicking me off the site because of technical issues. I attempted to make my payment by using my phone but couldn't get thru.. By the time i had time to make the payment the payment was late even. They also never called or sent me a bill in the mail so i had no other way of paying it. I have tried repeatedly to have the company remove the late pay history since its my only one with this account and it effecting my ability to get a good interest rate on a home. I have also contacted the credit bureaus but have not gotten the results i had hoped for there either. Please assist me in helping get this removed as it was not my fault. Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I made a wire transfer to someone who lives in XXXX. The person said that they never received the money. I have made many trips to the bank in XXXX. I was told that they are trying to refund the money back into my account but that has not happened. Last couple of times I went there the branch is closed it looks like permanently. I tried to call the person who was handling the case for me but he doesn't answer. I went to another branch in XXXX. They couldn't help me. They just gave me a phone number to call. When I called that number the person put me on hold and then the connection was lost. On the bottom of the receipt that was given to me at the time of the transfer I see this number where it says if you have questions or complaints to call that number. When I called that person told me to go on line and file a complaint since no one else from Chase can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
5 months ago I realized I am being victim of Identity Theft caused by the Cyber hackers. One of fraudulent account is CBNA/ BestBuy account which was opened and being activated in period time XXXX with current status Charge-off. Following the instructions of the solving process, I filed complains as victim of Identity Theft with FTC report, Police Report, Victim ' Complain and Affidavit with Police Sheriff Dept, FBI IC3 complain, as well as with all financial institutes that have bank cards involved. In dispute I declared the accounts resulted from Identity Theft and enclosed all documents as evidence. However, I ve still been struggling with CBNA for back and forth disputing of an account without solution. They insisted the fraudulent account opened under my name and I am the one who is benefit from card services. CBNA never properly responded or showed me the legit investigate process to have their conclusion in correspondence though I requested CBNA validating all verifiable terms in dispute letters to prove whether the account is mine or to show how the cards was used. They only sent me the original application and 6 months bill statements. The application is showing a fake signature of applicant which is not even close or similar to mine. The statements showed the bills was being paid automatically by a bank that I never had or associated with. They disclosed that the bank account located in XXXX IL was used to setup an autopay in account profile for paying bills. I followed up and requested that they should have provide me a scanning picture or snapshot copies showing off account owner name, routing and account numbers as of supporting their statement, but they never done so. They always came back with frivolous responses every time without providing hard copies evidence. In the past 5 months I sent out 5 dispute letter to CBNA fraud Department for disputes. The final answer are all the same conclusion : " I was the who benefit from card services '' without explaining how they did with investigatioprocess. I decided to go forward with CFPB complain and probably a lawsuit with General Attorney office for their lacks of cooperation in this matter.

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 2020-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: IL

Complaint narrative:
I disputed inaccurate accounts reported by company in the file you maintain under my social security number.I was informed on 60 days ago that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report.XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX I hereby demand that you immediately delete the item from my consumer report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the XXXX. Please govern yourself accordingly.

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 2020-12-31 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: MD

Complaint narrative:
I filled a compliant on XX/XX/2020 on Experian for inaccurate credit reporting on my Experian credit report. Experian completed my compliant with CFPB on XX/XX/2020. Then I received my dispute response from Experian via email. I never disputed anything by email. My first dispute was by mail and sent to Experian XX/XX/2020. Experian didnt open up my dispute until I filled a complaint with CFPB. Then on XX/XX/2020 Experian sent me an email with the wrong name that is a whole another person XXXX XXXX regarding the XXXX account that is inaccuracy reporting thats not my name and I would like to request a deletion for inaccuracy of the XXXX XXXX account # XXXX. My correct name is XXXX XXXX first and last. I uploaded the email that supports Experian Inaccuracy and the highlighted name

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 2020-12-31 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: VA

Complaint narrative:
Sequium Asset Solutions , LLC has placed an erroneous collection on my credit reports. The account has a balance of {$1500.00} and it is from XXXX XXXX  1. I have never had XXXX XXXX in my life. Because of this erroneous collection, my XXXX XXXX has dropped XXXX points and now I can not access credit. On XX/XX/2020, I sent the company a letter requesting them to provide a debt validation and more information. I never received an explanation letter from them. The next thing they did, was place the collection on my credit report on XX/XX/2020. It appears they are not complying with FDCPA and FCRA statutes. I need this collection removed and I would like to sue this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 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 — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
On XX/XX/2020 I decided to purchase a trampoline on XXXX for my kids. After purchasing it I realized that I no longer needed a trampoline because my kids did not want it. So I called XXXX to cancel it the next day ( XX/XX/XXXX ). XXXX said that they would cancel my order. I got an email from XXXX the same day confirming that the order got canceled. I thought that the order got canceled because I didn't get any updates about the item until a month later ( XX/XX/XXXX ) when it got delivered to my house. When I got the item I called XXXX because I was confused about why it got shipped to my home when I canceled it. They said they would investigate it and get back to me. I called XXXX 3 days in a row after that to ask for any updates. But I heard nothing back from them. I even email the seller myself to see if he could give me a label to ship it back but I heard no response. After that, I called my bank ( Bank Of America ) and opened a dispute because the charge was still on my credit card. After providing all the documents the bank asked for ( emails, purchases, and phone calls, etc ... ) the Agent Manager guaranteed that I would get my money back. After not hearing from them for almost three weeks, I called them back. They told me that my case looks strong and that I have enough proof that I want to return it and the XXXX seller did not provide me with any way to ship it back to them. My bank promised me that this case would be resolved on my behalf before the new year. Last week on XX/XX/2020, I received a letter from my bank saying that my claim was declined. On the next day, I called them and spoke to the dispute manager she claimed that they could do nothing because XXXX refused to give my money back. According to her XXXX claims that I never asked for the order to be canceled. Which Is a lie because I have proof that XXXX canceled my order. ( I will attach it as proof. ) She also claimed that XXXX has a money-back guarantee. I tried to do that but XXXX banned the seller so his profile is not avalibe meaning that I could do nothing with my order, and they never gave me the option for the money-back guarantee. This was an ongoing problem for about four months. I lost my job due to covid and I can't afford to pay the amount for the trampoline that I canceled the order before it was shipped. Could you guys please help me with this. Thank you so much.

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 2020-12-31 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: AR

Complaint narrative:
Im assuming that you either didnt receive my letter on XXXX or your just ignoring me because I clearly noted each every misleading and unverified account I understand that you receive thousands of letters each day but it has now been over 60 days since I have received any investigation results. These accounts are unknown and inaccurate I demand them to be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
Im assuming that you either didnt receive my letter on XXXX or your just ignoring me because I clearly noted each every misleading and unverified account I understand that you receive thousands of letters each day but it has now been over 60 days since I have received any investigation results. These accounts are unknown and inaccurate I demand them to be deleted immediately.

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 2020-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
On XX/XX/2020 XXXX transferred {$790.00} from my XXXX checking account to an unknown financial institution. 
I have filed a complaint with XXXX XXXX see attached documents ) and contacted XXXX. So far, XXXX has refused to provide the name of the financial institution that received the transfer. I won't accept that that is proprietary information. My money was intended to go to XXXXXXXX XXXX, XXXX has confirmed that that did not happen. 

The transaction number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: KS

Complaint narrative:
I previously filed a complaint against Home Point Financial for harassment by one of their employees, XXXX XXXX, who works in the Loss Mitigation Department. However, you closed the complaint simply because Home Point responded with the documents that they requested that we send them in order to process our loan modification request. But that doesnt solve anything. 

I provided them the requested documents on XXXX XXXX and called them on XXXX XXXX to confirm that they received them which they did. I was told that XXXX would be contacting us about our loan modification request. Unfortunately, we have not heard from XXXX or anyone else from Home Point. So I called to speak with XXXX and was the rep I spoke with refused. I told the rep that I had filed a complaint with you and she then advised me that because I filed a complaint that they were postponing the review of our documentation until XXXX XXXX. 

I feel as though Home Point is trying to take punitive action against me due to the complaint that I filed. When I requested XXXX phone number and email address the rep refused and offered to have me speak to a supervisor who never came to the phone after I was on hold for over 45 minutes. Home Point is our mortgage service provider and we are their customer. I feel Home Points actions to postpone reviewing our request is unjust and deplorable. 

Why should they be allowed to punish me when their rep, XXXX, harassed me daily for over a week? I didnt see any response to that part of the complaint from Home Point. I request that immediate action be taken to force Home Point to treat me fairly and review our request in a timely manner which they already failed to do the first time. Their actions are unacceptable and can not be tolerated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
On XX/XX/20 I wired {$200000.00} from my bank ( XXXXXXXX XXXX ) to a Wells Fargo branch in XXXX XXXX MN. I had been duped by a fraudulent e-mail and the money did not go to who I intended it to. Efforts to stop the transfer or retrieve the money were too late. 

Wells Fargo facilitated this by allowing a very suspicious chain of events. Most egregiously the beneficiary on my wire was " XXXX XXXX XXXX XXXX ''. The account that it went into was in the name of XXXX XXXX, opened a week earlier. 

Wells Fargo made a cursory fraud phone call to me but did not mention the discrepancy in account names or any other reason to suspect fraud. Nor did they ask any questions that might have alerted me to the possible fraud. 

Wells Fargo refused to talk to me about this. My local police served them with a search warrant for account details. They provided the minimum and were not cooperative with the detective.

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 2020-12-31 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
I had a car lease with Hyunda. I had the car for 12 months - I went to sell the car ( what was remaining of the lease ) - I went to a used car dealer on XXXX XXXX in XXXX XXXX XXXX No Longer open ) and the dealer received a payoff from Hyunda verbally in which was inaccurate I found out after I sold the vehicle to the dealership. I did not have possession of the vehicle when Hyunda reported the account derogatory and closed.

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 2020-12-31 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: TN

Complaint narrative:
A BILL WAS LISTED ON MY CREDIT REPORT THAT I HAVE APPLIED OR USED

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 2020-12-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
This is the second time Experian has failed to temporarily lift my credit freeze when requested ( using the website 's online form an PIN number ). 

Today at XXXX I used the experian website to temporairly lift my freeze starting immediately today XXXX XX/XX/2020 ). 

I tried to apply for a small loan that uses Experian ; they said that the freeze was still active. I tried again 4 hours after requesting the freeze lift, but the freeze was still in place. 

I called Experian and the automated phone system says that I still have the freeze in place even though I made the request to lift 4 hours ago. 

I tried to re-request a freeze lift with the phone system and it says I need to write them a letter to lift the freeze. 

A similar thing happened in XXXX : refinance interest rates were lowered, so I lifted the temporary freeze, but Experian took 24 hours to lift it. As a result I could not take advantage of the lower interest rates. 

Experian, like the other unethical credit bureaus that make money by collecting and selling our personal information, is required by law to lift security freezes within 1 hour when requested online or by phone. Experian simply refuses to follow the law. 

Where can I get recourse? How is this 1 hour law enforced? Do I need to sue Experian since they aren't following the law or is there a system in place to fine them for refusal to comply?

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 2020-12-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MD

Complaint narrative:
I noticed Nissan on my credit report with a name XXXX XXXX. I contacted them about removing this inaccurate information on my credit report. I explained this was inaccurate, fraud, and requested all legal documentation by law - Any information bearing my signature, contract, etc. I received nothing. Just your responsible. By FTCA section 609 ( b ) validation of debt and proof of signature with original contracts are required to repeatedly reporting these inaccuracies is a crime.I never received any legal information or documents I have requested required by FDCPA or FCRA. I will seek legal action if not immediately handled.

Company response to consumer: Closed with explanation