vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I have filed a dispute in regards to inaccurate items on my credit report. It has been well over 30 days and I have not received any results with investigation.

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 2021-12-28 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am distressed that Equifax have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. May I know your investigation resources that you used that proves that this account is still opened? Also this account has been in dispute for months now why does it not state that in the comment section? Why is the payment status showing late 120days on a charge-off account? This misleading information has reporting on my credit profile for over a year, therefore needs to be re-investigated and removed from my credit profile for immediately Account : XXXXt XXXX I respectfully request proof of your investigation. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit report. In this complaint accompanies a copy of my Equifax credit report showing proof of the inaccuracies reporting on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 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: CITIBANK, N.A.
State: NY

Complaint narrative:
My last day in my office was XX/XX/XXXX due to the pandemic. I returned and had no choice but to accept a demotion position on XX/XX/XXXX making approximately $ 30K less. during the pandemic I used up all of my savings to keep up with my payments. Before the pandemic I had an impeccable payment history. Never missed or late on a payment. I contacted XXXX XXXX letting them know my situation and to make payment arrangement base on what I can afford at the time, and they refuse to work with me. I'm now back to my office and am making payments. I explained to them The Govt passed The Corona Virus Aid Relief Economic Security Act which was enacted in XX/XX/XXXX and that late payments should not be reported on my account. Even though I settled with them in XXXX of XXXX, they are still reporting the account is in collection which is incorrect. On XX/XX/XXXX I contacted XXXX XXXX / XXXXCBNA, Phone # XXXX, Old Account Number XXXX, Late Payments on my account due to the pandemic ( Dates on my credit report - XX/XX/XXXX XX/XX/XXXX Late Payments ). I called them and spoke to XXXX XXXX ID # XXXX, who transferred me to her supervisor XXXX ( Supervisor ) ID # XXXX who transferred me to XXXX ID # XXXX who is not able to assist me but refuse to transfer me to a supervisor. After one hour and 58 minutes on the phone begging to speak to a supervisor I was transferred to supervisor XXXX ID # XXXX who stated she never heard of the Corona Virus Aid Relief Economic Security Act and could not assist me. 
If you need additional information, you can call me at XXXX. 
Thank you very much. 
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 2021-12-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
On XXXX a recurring payment was scheduled to Honda financial that resulted in an entanglement of payment methods. 
I have been unsuccessfully in recent attempts to resolve payment methods in their system. 
Honda has a hook and tie method when a customer wants to use a payment from a bank. 
However, when a customer wants to delete a payment from a bank, their system won't let you do so. this resulted in my payment drawn from the wrong bank account, and a fee being charged.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-28 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: TN

Complaint narrative:
On XX/XX/XXXX a certified letter was mailed to transunion and equifax in regards to inquiries on my report that were not given the authority to furnish my report. They told me that they had the ability to do whatever they wanted and to report it if it was authorized or not because they had permissible purposes i advised then that they did NOT have permissible purposes and the items should be removed. They stated that they did not receive my letters. I have proof of delivery also. I spent 2 hours on the phone with a representative from each bureau which said the same things to me. They would not remove the inquiries. 

Inquiries XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I have been dealing with this issue since XX/XX/XXXX when I started applying for help with PHH Mortgage/Ocwen XXXX and again on XX/XX/XXXX, for a reduction in my monthly payment by emailing them required application and financial documents to get assistance. I sent them this information by certified mail on XX/XX/XXXX for the XXXX time and tracking proved that they received it at PHH Mortgage Services/Ocwen XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Florida XXXX XXXX Attention : Mortgage Assistance ) on XX/XX/XXXX. 

I have not received a response from PHH Mortgage Services to the XX/XX/XXXX XXXX XXXX. But on XX/XX/XXXX I received a notice from XXXX XXXX c/o PHH Mortgage Services stating my monthly payment is going to go from {$2100.00} to {$2400.00}. I also received a mortgage statement from XXXX XXXX c/o PHH Mortgage XXXX XX/XX/XXXX, saying I owe them {$6700.00} on XX/XX/XXXX. This is almost exactly what the payment was before they modified the original loan from the company that went bankrupt. I have been in my home for 30 years and I have not been offered any assistance by these companies to help me stay in my home at XXXX XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I made a deposit in the amount of 4,000 and another for XXXX. On XX/XX/XXXX I was told my money would be on hold till the XXXX. The day came and nothing. I kept going back and forth to the bank. The branch manager escalated the situation but to tell me they needed someone on the phone to verify if the checks are real. I gave them multiple numbers but kept saying no. The branch manager show them my paperwork but still they refused so at this point the situation is hopeless. The bank took the checks has the funds on hold and even cover money that was owed to them with the XXXX check but still is refusing to hand over my funds that is owed to me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am distressed that Equifax have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. May I know your investigation resources that you used that proves that this account is still opened? Also this account has been in dispute for months now why does it not state that in the comment section? Why is the payment status showing late 120days on a charge-off account? This misleading information has reporting on my credit profile for over a year, therefore needs to be re-investigated and removed from my credit profile for immediately Account : XXXX  XXXX I respectfully request proof of your investigation. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit report. In this complaint accompanies a copy of my Equifax credit report showing proof of the inaccuracies reporting on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 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: MD

Complaint narrative:
I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ALLEGED ACCOUNTS TO 15 U.S. CODE 1602p. BLOCK AND REMOVE THEM. PURSUANT TO 15 U.S. CODE 1681C-2. THIS FTC REPORT W ERROR. I ALSO DID NOT RECEIVE ANY SERVICES. IF YOU THINK I DID PLEASE HAVE A SENIOR EXECUTIVE PRO THE PENALTY OF PEJURY.I am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and request an immediate investigation. Please remove the fraudulent information immediately from my file. Once the fraudulent information has been removed. Please send me a copy of my corrected credit report. I look forward to hearing from you soon.

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 2021-12-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: MECHANICS BANK
State: CA

Complaint narrative:
On XXXX, I bought my wife a XXXX  XXXX XXXX XXXX from a used car dealership- XXXX XXXX XXXX XXXX in XXXX XXXX From the moment my wife drove off he dealership the vehicle was not safe. It started to shutter and it got worse ; the brakes started to lock shut down the car while she was on the freeway driving. The battery was dead. She took the vehicle into XXXX for an oil change and the vehicle was diagnosed that it needed a new XXXX XXXX. On XXXX, I had the vehicle towed to the nearest XXXX  dealership in XXXX CA as it was not safe to drive and it has been there since. Today, I was informed they are not done with the diagnoses but at this point minimum to bring the vehicle to safe and working is $ 8k. FYI I also purchased an extended warranty ( approx. $ 4k ) from XXXX XXXX XXXX XXXX but they have failed to input my information so I am unable to use my Warranty as well. I have left several voicemail and emails for the owner XXXX XXXX, Title : Finance Manager : XXXX. I wish I would have recorded him. There is nothing wrong with this vehicle- LIE. You are getting the vehicle way below market price - LIE ( I actually over paid by approx $ 11k ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
Wanted to charge {$550.00} on my American Express card for a rental car at XXXX Washington DC airport and because of hacking into all of my accounts everyday for the last three years I keep my balance high so there is not much available credit to charge any large amounts. Same has I reported into you and fbi two weeks ago, Amex representative told me I needed to make an astronomical payment, this week it was {$4200.00} in order to free up the {$550.00}. (? ) Week before last it was over {$2000.00} to charge ~ {$600.00}. Excuse is a review of my no pre set spending limit, which does not make sense if I am paying the amount I intend to charge in advance of the purchase which would bring the transaction to a zero balance and any increase in minimum payment for the pay over time portion of the balance should be handled in my monthly statement, not when I am standing at the car rental counter making a payment to zero out the transaction. Unless they are also stalling so the car I am renting can be tampered with while they tie up the phone call, which has also been reported to multiple law enforcement agencies. In either or both events, this has occurred multiple times in the past and represents a pattern of behavior on the part of Amex employees. Have not received any documentation from American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 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: VA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 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: MD

Complaint narrative:
I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ALLEGED ACCOUNTS TO 15 U.S. CODE 1602p. BLOCK AND REMOVE THEM. PURSUANT TO 15 U.S. CODE 1681C-2. THIS FTC REPORT W ERROR. I ALSO DID NOT RECEIVE ANY SERVICES. IF YOU THINK I DID PLEASE HAVE A SENIOR EXECUTIVE PRO THE PENALTY OF PEJURY.I am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and request an immediate investigation. Please remove the fraudulent information immediately from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 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: DC

Complaint narrative:
This is XXXX XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : US DEPT ED XXXX DPT EDXXXX XXXX US DEPTED XXXX US DEPT ED XXXX* DPT EDXXXX XXXX DPT EDXXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original XXXX XXXX XXXX XXXX ) XXXX US DEPT ED XXXX DPT EDXXXX

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 2021-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX I removed all my money from my previous bank in Western, NY and took cash to open an account in XXXX, SC as due to COVID I attended a football XXXX XXXX. I open up an account XX/XX/XXXX at XXXX XXXX branch in XXXX, SC account number was XXXX with {$1400.00}, this was all my money the service rep name that opened the account name was XXXX XXXX at XXXX. I was in need of money and returned to the branch on XX/XX/XXXX to withdrawal funds as I wait my debit card and I was advised there was no money as the bank made a random business to close the account, I was in a very difficult situation as no money unable to eat, or buy gas etc. I was then spoke to the branch XXXX who stated there was problems with theft in the apartment complex where I was placed to live by the XXXX school and the reason for closing my account. It looked odd opening up account with all cash. Well they issued a cashier check on XX/XX/XXXX and where mailing it to me I asked for the cashier check to be cancelled but they said it could not be done that I had to wait 120 days if check not received then they would issue another cashiers check. As a XXXX XXXX XXXX in XXXX XXXX ( XXXX XXXX ), I was lucky I was not homeless I can not tell you how difficult it was for me to buy food or gas with this situation they put me in. I spoke with my Uncle who is an attorney he wrote an email to someone he states is very high up in Bank of America in XXXX XXXX XXXX on XX/XX/XXXX she completely ignored him, also an attorney XXXX XXXX XXXX a cousin tried calling and got no satisfaction as well. I finished XXXX  school XX/XX/XXXX and went back to the bank to give them my correct address, they sent a, post card to me and I verified that address. Today XX/XX/XXXX I went to Bank of America in XXXX XXXX, NY spoke with a relationship XXXX XXXX XXXX who went above and beyond to assist us. She was even getting frustrated with the back office as she spent over an hour getting the run around. We learned that the cashier check was returned to them and destroyed on XX/XX/XXXX yet they did nothing about it they just kept my money and did nothing, never issued another check but they now said wait a week and I should receive one. I dont understand I opened the account with cash why do I still have to wait for a cashier check it may be another 120 days, how is this right? No money in over 5 months when I opened an account with cash and it was closed because of the area I lived in this is discrimination please help I could have been receiving interest they have cost me money and put me in a very difficult situation please help me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-28 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: DC

Complaint narrative:
This is XXXX XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-12-28 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: DC

Complaint narrative:
This is XXXX XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 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: SC

Complaint narrative:
i tried reaching out to this bureau several times about accounts that do not belong to me! this information is fraudulent and i want it removed from my credit report.

Company response to consumer: Closed with explanation