vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-05 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: NY

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 45 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 45 days so they should have been deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Tower Loan of Mississippi, Inc.
State: GA

Complaint narrative:
Few months back I got contacted by an debt collector from Tower loan. She kept calling me almost each day. I thought it is a fraud call as whenever I asked her to send me a documented copy of the loan paper that shows that I have taken that loan, she denied. Instead she asked me to go there in their office, which did not make sense to me as long they can not share the real proof that loan has been taken on my name. This kept happening and I still continued to think that it is a fake call. I also kept getting mails from tower loan which just tell that I should go there and talk to them. All of these seemed nonsense to me as they could not provide the real document. In the meantime I moved to Georgia where I got a new job in XXXX. when I got the last mail from Towerloan, I got suggested by my friend to check my XXXX report, which showed the loan that tower loan kept claiming that I have taken from them. This made me realize that something really wrong has been happened.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I had fraud on my account many years ago. I was a victim of identity theft. Transunion no longer allows me online access to my account. FOREVER. The other agencies ( XXXX XXXX ) froze my account until the fraud was resolved then allowed online access again, not Transunion. They said they are protecting my information but in fact, are making me a victim again. They are limiting my access to my own information. And here is the worst part, I can still access the account by calling them, so they are not protecting the information any better by locking me out of online access. What they are doing is requiring me to sit on hold and punch codes and wait and take 30 minutes to do what I could have done online in minutes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
On XX/XX/2021, I received a credit card from Bank of America. To my knowledge, there has been no activity. I was told to visit a local branch to rectify the situation, but there is no branch that is near 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 explanation
Consumer complaint received 2021-11-05 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: PA

Complaint narrative:
On XX/XX/XXXX, I filed a police report stating that i was the victim of identity theft. I then forwarded a copy of the identity theft police report too the credit reporting agencies XXXX XXXX, Equifax, and XXXX and requested that they deleted the fraudulent accounts and I requested a updated copy of my credit report Equifax and XXXX failed to respond to my request. Then re-sent them the letter with copies of the identity theft reports in XXXX and XX/XX/XXXX and again they never responded. I received a response from XXXX XXXX and they refused to delete the information stating that XXXX Americans are always breaking the law and that XXXX people cant be believe and they refused to remove the contested information. I am now requesting that your agency conduct a investigation and order all three credit bureaus to remove the contested information. Thank you for your time. Additionally at the time that the accounts were opened I was XXXX in New York XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
We own a restaurant in XXXX and during XXXXovid we were not able to pay our personal credit cards and loans so we called the credit card companies to defer the payments and to close out accounts to lower the interest rate. Now, I am current with the credit cards and trying to get pre-qualified to purchase a home but I can't get approved because of the 30, 60, 90 days late payments that were incurred during the end of XXXX through the beginning XXXX. According the the president, the late fees were not to be assessed during Covid and the the creditors would help out. Well, I come to find out that is not the case since I am trying to get pre-approved and my credit score is being effected from the late payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I called back in XX/XX/2017 about this account, I did make every attempt to contact the fraudulent department. They said the issue will be investigated and instead, it has accumulated further.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 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: NY

Complaint narrative:
On XX/XX/2021 I sent a letter out regarding inaccurate and unknown things on my credit report. To this day, over 45 days later I have not received a credible response yet. I feel like I am being taken advantage of and ignored of my disputes. Section 611 ( a ) plainly states that a failure to properly investigate any items within 30 days gives a reason to immediately remove them from the credit report. It has been over 45 days so the disputed items should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Since the start of the pandemic unemployment claim, that my son 's father made before he asked my permission, I was awarded and retrieved the card from XXXX, who is my common law husband. I finally got the edd debit card, and it had almost XXXX. Within the first couple days all was fine, until I accidently lost the card. By the time I was able to report it missing the bank of america, who is responsible for all of the money being stolen. I received close to XXXX, according to the edd. Out of that I spent XXXX. So the rest of the money was electronically stolen by the bank at the same times I had my card. I have the bank statements that clearly show all the transaction history. I've made hundreds of complaints to the bank. They are identity theifs themselves at the customer service. And money laundering too. Liars and dishonest and fake ethics and compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 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: TN

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capital ONE has restricted the use on my personal credit card because they state they want to verify the income for a XXXX credit card account for a business I am associated with. The XXXX is a seperate entity from my personal account with a seperate XXXX #. According to their terms they may suspend my account for any reason permitted by law, however this seems unlawful since the issue is entirely with a seperate entity. They are requesting complete bank statements for the Business account which I think it is intrusive, I did not agree to that and there terms do not state I have to agree to submit bank statements for my personal account or Buisness. Ive had an issue loike this in the past where capitalone will restrict my personal account in order to access sensitive financial details. They ask for bank statements detailing all transactions and I have never experienced this type of abuse from a credit card company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 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 have disputed withe all 3 credit bureaus about 30 day late payments on my credit report. The credit bureaus investigation results said that the lates are factual but are false.On XX/XX/2021 I received a letter from creditor stating that they have done an investigation with the credit agencies and did not find ANY reporting of delinquent payments! The bureaus still have not removed the derogatory marks from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 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: PA

Complaint narrative:
On XX/XX/XXXX, I filed a police report stating that i was the victim of identity theft. I then forwarded a copy of the identity theft police report too the credit reporting agencies Trans Union, XXXX, and XXXX and requested that they deleted the fraudulent accounts and I requested a updated copy of my credit report XXXX and XXXX failed to respond to my request. Then re-sent them the letter with copies of the identity theft reports in XXXX and XX/XX/XXXX and again they never responded. I received a response from Trans Union and they refused to delete the information stating that XXXX Americans are always breaking the law and that XXXX people cant be believe and they refused to remove the contested information. I am now requesting that your agency conduct a investigation and order all three credit bureaus to remove the contested information. Thank you for your time. Additionally at the time that the accounts were opened I was XXXX in New York XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX, I filed a police report stating that i was the victim of identity theft. I then forwarded a copy of the identity theft police report too the credit reporting agencies XXXX XXXX, XXXX, and Experian and requested that they deleted the fraudulent accounts and I requested a updated copy of my credit report XXXX and Experian failed to respond to my request. Then re-sent them the letter with copies of the identity theft reports in XXXX and XX/XX/XXXX and again they never responded. I received a response from XXXX XXXX and they refused to delete the information stating that XXXX Americans are always breaking the law and that XXXX people cant be believe and they refused to remove the contested information. I am now requesting that your agency conduct a investigation and order all three credit bureaus to remove the contested information. Thank you for your time. Additionally at the time that the accounts were opened I was XXXX in New York XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XXXX XXXX I visited XXXX XXXX XXXX in XXXX XXXX XXXX Ca to checkout a used 2018 XXXX in their stock. During negotiation, I Informed them I already had an auto loan approved through my credit union ( XXXX XXXX ) for {$44000.00}. They proceeded to ask me income, social security #, employment details as part of their standard application process and was assured that my credit would not be ran unless I decided to finance internally. I never signed anything and only placed my initials on a form confirming all my information was correct. After discussions with several managers we mentioned several times that I did not want to run my credit since I already have an approval and that I would prefer to look elsewhere. We left and did not proceed with purchasing the XXXX. Within a matter of hours I received emails and Information that my credit file was pulled although I never consented to this. I left messages for the manager and they have not returned my calls. This has negatively impacted my credit worthiness as it appears now that I have attempted to open loans with now both my credit union and XXXX XXXX XXXX. I am disputing this inquiry and would like it to be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Hello I reached out to Well Fargo over a debt owed to them. I paid the debt and the amount was updated on one bureau but not the others. Today I reached an alert that the account was updated back to the original amount. I called Well Fargo and was spoken too like I was an XXXX. I received a fax from them saying the debt has been settled on the date it was settled but was told it could take up to 60 days to reflect. According to the FRCA they have 30 days from payment.

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 2021-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Called to report unauthorized and unverified inquiries on my report as my right to do so. Experian representative and supervisor told me that they are not allowed to do so when I know I have every right according to the FCRA. This is not right that they are illegally refusing to enforce my rights as a citizen to protect my 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
Consumer complaint received 2021-11-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I previously notified Transunion that I am a victim of identity theft. transunion responded that they verified this fraudulent account as accurate. I do not agree with the response. I am stating that I am a victim of identity theft, the information listed on the FTC does not belong to me, and i have nothing to do with it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I opened an account with Bank of America which was promptly closed as soon as I put money into it. I went into the bank and the bank manager opened me a new account saying this will not happen again. I then started moving my assets into this new account, including cash deposit and paycheck deposit. Less than 5 hours after I made the cash deposit they decided to close my account and told me they are " mailing a check '' with my funds on it. I did not bring cash in there 5 hours ago just for them to mail it back to me in a check. I suspect this bank is committing fraud on a regular basis and I demand compensation.

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 2021-11-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XXXX XXXX ( NMLS ID XXXX ) put a hard inquiry into my account without my consent. She misinformed me on rates for an investment property refinance then pulled credit without my consent. After multiple times telling her I wanted cash-out to refinance she quoted me the rate of the regular refinances which has a lower rate. The other was substantially higher. She also tried to charge me their {$500.00} fee as well. She was just trying to push me through the process and did not listen or do any diligence to ensure she was doing the right thing. Her manager is XXXX XXXX XXXX XXXX Manager| NMLS ID XXXX| XXXX. Poorly run area. Have had many issues with them. They also demonstrate discriminatory practices and I recommend someone ( not JP Chase ) reach out to me so I can explain. They need to be audited on something as I am sure of wrongdoing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I accepted the Covid forbearance from Wells Fargo. Now they want to foreclose. What do I do? XXXX ready to resume payments but they want to foreclose??? What do I do?? 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 non-monetary relief