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

Complaint narrative:
XXXX, XXXX  and Equifax has reported my account by XXXX/XXXX  as 30 days late for XX/XX/2020. The payment was made in XXXX so my account is not late. Included with this report is proof that the XXXX payment was made.

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

Complaint narrative:
XXXX, Experian and XXXX  has reported my account by XXXX/XXXX  as 30 days late for XX/XX/2020. The payment was made in XXXX so my account is not late. Included with this report is proof that the XXXX payment was made.

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 2020-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

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 2020-12-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: PA

Complaint narrative:
XX/XX/XXXX called mortgage company I am out of work due to covid and coverage under cares act mortgage company is playing game called 6 times every time told it was fixed called yesterday collection department and XXXX said from mortgage company alot of people dealing with same issues as me I called fha for help called hud last week called me but I am scared losing my home all people at mortgage company say same thing it will be fixed and nothing happens i am at my end of line need help please

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2020, I sent letters to XXXX  and Equifax regarding inaccurate and unknown things on my credit reports to XXXX  and Equifax. To this day over 30 days later. I have not received a response at all. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), it states that, failure to investigate these items within 30 days and gives a reason to immediately remove those items from my credit reports. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file litigation due to stress you have caused me. My information may have been impacted by the Equifax Data Breach and may have gotten in the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
On XX/XX/XXXX, I contacted American Express about my green card account as my annual membership fee was due in the amount of XXXX USD. I debated whether I was receiving value for my money so called to find out if they'd waive or reduce the fee. I spoke to 2 individuals and I was told that no, no reduction or waiver could be offered. I then asked how many days I had to make up my mind so as not to incur the fee. I was told until the XX/XX/XXXX. I called back before that and closed the account, transferred my membership miles to another account. I kept receiving notices that my membership fee was due and called American Express on XX/XX/2020 and was informed that I had not closed the account before the date indicated and despite my account no longer being open I would still have to pay the annual fee. Why would I have not closed it by the deadline and incur the fee which I was not wishing to pay before closing the account? So American Express said it would review the recordings of my call and notify me. To this date, I have heard nothing and am still being billed the membership fee for a card I will not use and an account which is closed. Not sure how they think that I'd close the account late to incur the fee which I was not willing to pay prior to closing. It is nonsensical. I had this card about 30 years and thought I was a valued customer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My social security number was stolen from me and accounts were opened in my name. There is one more account that was opened in my name that wasn't me. Please remove the remaining account. I have attached my federal trade commission report along with any other supporting documents. Thank You!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am single mother of XXXX and I am in dire need of assistance. I am hoping and pleading someone hear my cries. I've been trying to get my account cleared and lost funds back since XX/XX/2020. It should be known that CA EDD and Bank of America are taking advantage of unemployment recipients in obnoxious, illegal ways. They are using a very vulnerable time to further victims claimants.The state of California should be embarrassed! I was approved for unemployment benefits in XXXX of 2020. I ordered my EDD BOA card on XX/XX/2020, It never came in the mail or either someone stole it from my mail. After weeks of waiting for my card, I called BOA on XX/XX/2020 to inquire where my card was and I was informed that it was already activated on XX/XX/2020 and a charge of {$2100.00} was processed on XX/XX/2020. I immediately filed a police report that evening, I was told I needed bank statements to show the bank transactions. Which was impossible because I can't access my online BOA portal without the card information and because Bank of America closed my account after reporting the fraud. So my investigation is at a stand still. I reached out to the alleged merchant myself, and to my surprise he was more than willing to help, he said a male tried to come in with the card and didn't have the pin, so he then made the purchase online using my address information. If the police or the bank would conduct a thorough investigation, they could easily prove that it wasn't me, I AM A VICTIM OF FRAUD! I called BOA to follow-up on my claim and was surprised the previous agent never made any notes when I called on XX/XX/2020, I was advised a supervisor would call me, but no one ever did. I then officially filed a claim on XX/XX/2020, by XX/XX/2020 BOA closed my account due to suspicion of bank fraud. Which is bizarre because I am the one that reported the fraud. When I called to inquire why, they said I no longer had an account with them and that CA EDD has flagged my account, which is the reason I can't receive any of my benefits via mail or debt card. When I called EDD on XX/XX/2020 I was advised that my account was not frozen or closed andI should follow up with BOA. WHY AM I BEING BOUNCED AROUND? I am currently reaching out to Governor XXXX office and state senate, relentlessly! CA EDD must do something about this, how can a government state entity let a claimant be victimized without doing anything to rectify the situation or to investigate it further?. Furthermore, myself and my child is in dire need of resources because of this crime!

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 2020-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I have tried contacting EQUIFAX several times. In addition sending professional letters to them with the things they have asked for. I.E ACCT NUMBERS AND NATURE OF DISPUTES. Every time they have made excuses saying I have not sent the information. When I have ALSO ATTACHED THE ACTUAL LETTERS SENT DETAILING THE NATURE OF DISPUTES AND ACCT NUMBERS AND NAMES!!!!!!!!!!!!!!!! Beyond this it has been PAST 45 days time for them to look into these matters and they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Adjustment Service, Inc.
State: TX

Complaint narrative:
This Company just all of sudden reported this debt on my credit report without notice.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12 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: IN

Complaint narrative:
XX/XX/2020 trying to buy a home, lender gets back applicant file Frozen at xpn due to State legislation. Experian can not see anything in there system saying that my account is frozen and Lender should be able to look into my account. I've tried 3 different lenders that get back the same information. When I log onto my Experian account and try to apply for a credit card they said just it says that there is a freeze on my account and I need to lift it. I have been on the phone with them numerous of times since XXXX to XXXX and they keep telling me my account is not froze.

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 2020-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My social security number was stolen from me and accounts were opened in my name. There is one more account that was opened in my name that wasn't me. Please remove the remaining account. I have attached my federal trade commission report along with any other supporting documents. Thank You!

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 2020-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I have tried contacting TRANSUNION several times about wrong information on my credit report. 

Initial contact by certified mailed letter XX/XX/XXXX To this day no response from them, they have exceeded the legal allowed 45 days to look into it. 

First complaint response " we got the info, need more time '' They were already PAST the legal allowed 45 days at this point. 

Second complaint response " we did respond '' WHICH THEY DID NOT Third complaint response " we got the information and need more time '' This is NOT ACCEPTABLE, they have exceeded the legally allowed 45 days at maximum.

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 2020-12-12 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: ALLIANT CREDIT UNION
State: AL

Complaint narrative:
I have noticed UNAUTHORIZED inquiries on my report or I noticed someone applied for something in my name. According to the FCRA ( Fair Credit Reporting ACT ), legally these UNVERIFIED & UNAUTHORIZED items MUST be REMOVED!! Below is a list of all of the accounts and the dates at which they where UNAUTHORIZED ALLIANT CRED XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score

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 2020-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score

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 2020-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
Account Name XXXX XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Open/Never late. 
Status Updated XX/XX/XXXX Balance {$160.00} Balance Updated XX/XX/XXXX Recent Payment $ 0 Monthly Payment {$0.00} Credit Limit - Highest Balance {$1800.00} -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Please see attached for experian data being reported inaccurately. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Please also see attached for proof of {$20000.00} limit given by 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 2020-12-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX transfer of XXXX dls to number XXXX, name XXXX XXXX, he was an impostor saying that he worked for XXXX, because I dialed the supposedly eBay number to talk to a representative and because I just got authorized for a new XXXX credit card he said he needed me to send money to link my bank account to XXXX, the number I dialed was XXXX, the last name of employee was XXXX and he gave me employee ID XXXX, that when XXXX contacted me they said they employee ID, are all numbers, hope you can assist me with this situation I have screenshots of the transactions if needed, thanks 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 2020-12-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NV

Complaint narrative:
I had escrow money owed to me from a home in XXXX California. A check amount payment of {$1900.00} was sent to me along with a bunch of paperwork by Aurora Lending. The check was package in such a manner that it made it hard to see there was a check in the heap of paperwork. I kept the paper work for future use. As I had to move due to the pandemic unemployment eviction, I was going through old mail and found the check. I can not cash the check because its too old now. I have reached out Aurora for a reissue of the check as I desperately need the money. I have not received any pandemic relief since XX/XX/2020. Aurora will not return my calls so I am filing a complaint in hopes of recovering monies owed to me. 
Company in the complaint : Aurora Bank  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tel-XX/XX/XXXX XXXX XXXX Fax - XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

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 2020-12-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Never received or knew anything about this debt from this Agency until I pulled my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
I just received a ReliaCard in the mail today. I never requested this and I contacted US Bank and asked them to cancel this account. They informed me to filed a complaint and notify the proper authorities. I did not call the number on the card or use the web site provided. I actually found an article from XXXX Colorado that was explaining this fraud issue and the article provided a valid number.

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 2020-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

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