vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-25 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: NY

Complaint narrative:
I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE ON LATE PAYMENTS THAT ARE NOT TRUE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Cash Link USA, LLC
State: TX

Complaint narrative:
XX/XX/2022 I got calls and voicemail from an unknown number of XXXX XXXX from XXXX County, that was contacting me in regards to claim # XXXX XXXX county XXXX order of location, and the phone number I received was XXXX. Called began on XXXX till XXXX when I changed my number and put my old phone, house phone, and new phone on the " Do Not Call '' registry. Now on XXXX ten days later, they harassed a family member of mine from out of California with the same information regarding a claim file against me within XXXX county and a warrant for my arrest apparently. Despite I called the XXXX County 's Sherriff 's office no warrants exist for my arrest I've called on XXXX at XXXX XXXX and now again this evening on XXXX at XXXX XXXX  to verify. This is a nightmare for me and my family. Please help!

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 2022-01-25 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: EQUIFAX, INC.
State: KS

Complaint narrative:
It has been over 120 days since i have been trying to get Equifax to address inaccurate information that i found on my credit report. My first letter was sent to them on XXXX and i simply asked them to verifity that the information on there was correct. They never verified the information or send me proof of verification, or even the method they used to verifiy the information. I've sent certified mail on XXXX as well as every 30 days inbetween XX/XX/XXXX and XX/XX/XXXX. I also reached out to some of the companies that were reporting the information prooving that Equifax is reporting inaccurate information on my consumer credit report. To this day Equifax has yet to send me any information regarding their investigation. The simply report " verofoed by consumer '' on my credit report. How is this legal? This defineitely does not follow Compliance Procedures when it comes to accuracy, communication or time of the investigation. They are knowingly and wilfully reporting false information which is causing me stress and hurting my abillity to get a promotion at my job. I know Equifax has a huge responisibility when it comes to consumer reporting, but they have failed to do that with me. Either they are simply lying to me, or they just aren't doing their job according to the Fair Credit And Reporting Act. I need you to help me get them to remove this information becuase it has been reporting inaccurately for way too long.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
My mortgage was purchase by Bank of America from countrywide. The arm loan Bank of America refused to let me refinance and sold the arm loan to XXXX XXXX. After numerous attempts Bank of America and XXXX XXXX would not allow a refinance loan. My home I had no choice but to sell due to the ballon loan. 
I was rendered XXXX with XXXX  children for 6 weeks in 2021. Now Bank of America after several attempts 6 calls and an in person bank branch meeting refused to give my mortgage tax information to me preventing me from filing 2 years of taxes, Im now facing fines.

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 2022-01-25 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: OPTUM BANK, INC.
State: CO

Complaint narrative:
I called them to send me the remaining amount from my prepaid credit card that was paid directly into credit card. They had refused since I dont remember old address. They refused accepting my new address to update. They required old address! XXXX! It took months later then I found my old address from file. I called them. I called them to close acct and mail me the entire amount which was about over {$350.00}. They did update the address and would mail me the check. The confirmation nbr is XXXX XXXX XXXX. I called on XX/XX/XXXX only to learn today on XXXX that they did not close my acct!!! The guy does not even have the info of why the acct was not closed! Nor check was not sent to me. They still have my money! I suspect it is their way to charge lil by lil for it is for THEIR WORK. Dirty! It is a sly work of theirs. I need the check to deposit before I move to Alaska this XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE ON LATE PAYMENTS THAT ARE NOT TRUE AND ACCOUNTS AND ACCOUNTS THAT DONT THAT BELONG TO ME.

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 2022-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
After the financial relief of the mortgage that was authorized by the government, I benefited from said aid for 5 months, my mortgate was XXXX per month, which when I started my payments again, it rose to XXXX and they opened a second mortgage for me of which I was not notified. for the sum of XXXX, which is why I have contacted you since I have communicated with XXXX to clarify this situation and to date I have not received any clear answer. 

I attach bank statement documents from 2020 in which I have a single mortgate and I attach 2020 with the second mortgage

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 2022-01-25 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: MN

Complaint narrative:
equifax has refused to do a proper investigation into information obtained in my equifax credit file. They are not verifying properly the fraudulent information that they are continuing to report and that is a violation of the FCRA. Every single inquiry listed on my equifax credit report is fraudulent. I didnt do a single one. they claim the information is being verified, however i can assure you it is not. they are just checking their internal records and not properly investigating this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
A fraudulent account was opened in my name and due to the diligence of TD bank it was stopped and nothing was stolen but I am just reporting this for the record as advised by TD bank

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
Keep getting calls and emails from this company saying I owe XXXX I have never received anything in mail about this debt I dont owe that debt and I want them stop harassing me and they also call from a number XXXX saying they have claims against and I need to call XXXX immediately before action is taken they call my home phone which my husband is XXXX and it upsets him and he gets nervous which isnt good I want this stop and I will not pay something I dont owe The emails have a XXXX XXXX name on it and I dont know him or never had dealings with this company I want them to stop now

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 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: MN

Complaint narrative:
XXXX has refused to do a proper investigation into information obtained in my XXXX credit file. They are not verifying properly the fraudulent information that they are continuing to report and that is a violation of the FCRA. Every single inquiry listed on my XXXX credit report is fraudulent. I didnt do a single one. they claim the information is being verified, however i can assure you it is not. they are just checking their internal records and not properly investigating this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-25 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: TN

Complaint narrative:
EXPERIAN IS SHOWING INACCURATE MISLEADING FRAUDALENT INFORMATION ON MY CREDIT REPORT THAT THEY WILL NOT REMOVE. STUDENT LOANS FOR XXXX  THAT WERE NEVER LATE, AND XXXX UNIVERSITY THAT THEY DONT HAVE ANY KNOWLEDGE OF.

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 2022-01-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stallings Financial Group, Inc.
State: TN

Complaint narrative:
On XX/XX/XXXX, I informed Stallings of the violation of the HIPPA and FDCA laws they have violate. They have fail to respond and have damage my reputation. I do not owe this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: HUNTINGTON NATIONAL BANK, THE
State: FL

Complaint narrative:
In XX/XX/2021, I opened a personal checking account and a business checking account in a branch in PA near our summer home there. A few weeks after opening the accounts, Huntington bank froze the accounts not allowing me to bank deposits, withdrawals, or have online access. 
I have called multiple times and have been told the accounts are being closed by the bank hence the hold and I would be receiving a check for the funds in each account ( Approx. {$1000.00} in each ; {$2000.00} total ). However, it has now been 3+ months later, and I am being charged fees for the balances.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
On XX/XX/XXXX, I informed XXXX of the violation of the HIPPA and FDCA laws they have violate. They have fail to respond and have damage my reputation. I do not owe this alleged debt.

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 2022-01-25 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: CA

Complaint narrative:
I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE ON LATE PAYMENTS THAT ARE NOT TRUE AND ACCOUNTS THAT SAY CHARGE OFF THAT ARE NOT ACCURATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: NY

Complaint narrative:
I received a bill months after a procedure for anesthesia from XXXX XXXX, after I paid upfront and was informed that the time went over and I had to pay more. So I made arrangement to make a few payments, however, there were numerous issues with staff due to Covid and the employees working from home and much confusion as to if I really did owe more, regardless, I made payment as I do not want any negative marks on my credit report and I made final payment of {$60.00} XX/XX/2020 and then was called and told that they made a mistake and I owed an additional {$70.00} which I paid on XX/XX/2020. I never heard from them again until this week I received a collections notice for {$50.00} out of nowhere. Why would they not contact me in over a year and all of a sudden just say I owe more money again? How many times will they do this? I never received any additional bills after the last payment of {$70.00} which I was told was final payment. I was told it was my final payment and I do not want to continue to have them state that I owe more when I do not.

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 2022-01-25 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 — Card was charged for something you did not purchase with the card
Company: FIRST NATIONAL BANK OF OMAHA
State: TN

Complaint narrative:
Was contacted by fraud department at first bank card about purchasing on my credit card. These charges were made in XXXX XXXX Nev and I live in XXXX TN Was also told my information was change and additional personal was added Credit card company had me to prove my idenity and cancel credit card and in processing of sending new card Was told to file this 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 monetary relief
Consumer complaint received 2022-01-25 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: TX

Complaint narrative:
After multiple attempts at correcting information held by Equifax about my financial account, they return the dispute within 24 hours telling me that all information is validated. They tell me to make a fraud report to the police, but I believe they simply have the wrong information on my file. 

I have attempted all the options they provide, and even called in to there call Center. With the online disputes, they reply very quickly- all information is correct, however with written disputes, i do not receive any response. When calling in, they claim they can not verify my information and as such can not help on the phone. 

I do not know how to correct the information, and they offer no assistance in completing this any other way. This is a form of bullying - I am at the mercy of these companies and the companies they list. 

I have just gotten off the phone to them again, where after using the cell link they sent to verify myself, they claim it wasnt possible according to their system, when they asked questions about accounts, specifically minimum payment amounts or other variable information, they also claim i was not successfully verified and then said to send identification- which they have on file already, having provided it to them for earlier attempts at correction of information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Happened on XX/XX/22 I received a call from chase customer service - XXXX ( XXXX ) XXXX. I answered because when I looked up the phone number it showed that it was for chase. I answered and the guy said someone was trying to steal {$2000.00} from my account thru XXXX to a XXXX XXXX XXXX account. He then proceeded to ask for my name and date of birth and deleted my number from my chase banking account and added it to a XXXX XXXX XXXXXXXX account. He said he was going to do a reverse transaction. He made me send the XXXX to my phone number which ended up sending it to their account. The account was registered under someone named XXXX. I have text messages from them adding my number to their account. I contacted Chase about it right away after the incident but they said they couldnt do anything even though it was their own number that was used. I contacted XXXX and was given the same response. I tried talking to Chase again but they didnt help at all. I dont know what to do at this point. Nobody is helping whatsoever. I saw an article where another person went through the same issue and that XXXX XXXXXXXX XXXX ended up crediting her the amount they stole because of Regulation XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX I found and filed a claim with WellsFargo for two fraudulent ATM Withdrawals from my debit card on XX/XX/XXXX ( {$200.00} and {$2.00} ATM fee ) and XX/XX/XXXX ( {$100.00} and {$2.00} ATM fee ). The card that was used had never been lost- I had it on my person on both of the days where these fraudulent ATM withdrawals were made. Wellsfargo canceled my card immediately, sent me a new one in the mail and let me know I'd receive the results of my claim via a mailed letter. 

On XX/XX/XXXX I received a letter in the mail from WellsFargo dated XX/XX/XXXX that stated the claim was closed and they " found '' that the transactions were " made by you or someone who had your permission. '' The letter also states : " If you have questions, or would like to take advantage of your right to request copies of available documents we relied upon in making our decision, please call us ... '' I called WellsFargo on XX/XX/XXXX and the staff I spoke with said they have no available documents to share with me, and no information to share about how this claim was investigated. I filed a complaint with WellsFargo over the phone.

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 2022-01-25 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 — Other problem getting your report or credit score
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
Rocket Mortgage did a credit check on me in XX/XX/XXXX and today XX/XX/XXXX when I asked for a copy from the lend " he stated I'm unable to supply that information and then transferred me to personal relations department ''. The next person told I could not receive a copy due to the company Rocket mortgage used to pull my report and that I could purchase one myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 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: TX

Complaint narrative:
I have been a victim of mistaken identity. My father and I have the same name and there are many of his accounts on my credit report. After 45 days, I have pulled my credit reports from two of the credit reporting bureaus Experian, XXXX and these accounts that do not belong to me have not been removed from my credit reports. 
Experian accounts to be removed : XXXX acct:XXXXXXXX Date opened : XX/XX/XXXX Balance Owed : {$0.00} Account Rating : PAID No Close date ; Reporting 7 derogatory late payments XXXX acctXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Account Rating : PAID NO CLOSE DATE ; Reporting 5 derogatory late payments XXXX XXXX XXXX XXXX date opened : XX/XX/XXXX NO CLOSE DATE ; ACCOUNT STATUS : CLOSED Reporting 1 derogatory late payment DIVERSIFIED CREDIT SYS acctXXXX ; date opened : XX/XX/XXXX NO CLOSE DATE ; Account status : closed XXXX account to be removed : No account name listed Acct : XXXX date opened:XXXX No Close Date ; Reporting 19 derogatory late payments No account name listed; acct : XXXX Date opened : XX/XX/XXXX ; account status : closed I am also including a copy of my drivers license and proof of address and current credit reports showing the above information.

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