vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-14 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: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MI

Complaint narrative:
I hold a mortgage with Bayview loan servicing. I was personally impacted by the coronavirus and went on the corona forbearance plan as soon as I was made aware it was an option in 2020. I was told it would not effect my credit score and be non-reporting on my credit report. Unfortunately that was not the case and Bayview loan servicing reported it every month. Had I known that I may have chosen differently. It's unacceptable to tell someone they won't be negatively effected by going on Corona forbearance and then destroy their credit the whole time. I would like all of the late payments removed off of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I reached out to the Credit Bureau over a month now and I am yet to receive any documentation or response from them.Section 809 state ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

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 2022-01-14 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: Santander Consumer USA Holdings Inc.
State: AZ

Complaint narrative:
I reached out to the Credit Bureau over a month now and I am yet to receive any documentation or response from them.Section 809 state ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 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: OH

Complaint narrative:
On XX/XX/XXXX I applied for a secured credit card through XXXX XXXX. After my application, I discovered my twin brother 's credit file is showing on my credit report. I contacted XXXX on XX/XX/XXXX and they explained I would need to mail in information to verify my identity, however they did not specify all the documents I would actually need. I mailed the information on XX/XX/XXXX. I never received any confirmation so I called XXXX again on XX/XX/XXXX and they assured me it would be fixed in five to ten business days. I reapplied for the secured cc and discovered my credit file had still not been corrected. Today on XX/XX/XXXX my banker and I called XXXX after being transferred multiple times and hung up on just to find out there were no notes or updates on my credit file. I would have to resend the documents and call again for an update in five to seven business days. I also tried to contact XXXX and Equifax on XX/XX/XXXX. Equifax did not allow me to speak with a representative due to the call volume being too high and advised me to call back later. I tried to dispute my credit file online with XXXX online and by calling on XX/XX/XXXX but was not given the option to actually correct my credit file. I have been told this is a common error but not my error, to begin with. I just want to fix my credit file so I can start building my credit. This has been a major inconvenience and I have not been helped in any compacity by any of these credit bureaus. I am starting to feel defeated and possibly am being discriminated against by me being a young XXXX American man.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 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: IN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-01-14 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: Westlake Services, LLC
State: FL

Complaint narrative:
I filled a dispute in regard to the incorrect items on my credit reports .It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AK

Complaint narrative:
USAA closed my savings account for not having a signature card on file. I know that they are legally entitled to do this, and while I think their notification process is woefully inadequate, that is not the source of my complaint. 

I was mailed a check with the balance of my savings account with a notice on the document stating " Notice : As per AK law, this check with reasonable identification can be presented for immediate payment at the XXXXXXXX XXXX XXXX XXXX XXXX '' ( see attached document ) When I went to the XXXX XXXX XXXX XXXX XXXX I was told they would not cash the check because they had an agreement with USAA to cash these types of check but that agreement had expired about 6 months prior. 

When I called the customer service line for USAA I was told my only options are to find another bank that will cash the check ( without having an account at that bank ) or deposit the check into my USAA checking account. No explanation was given as to why the law their own document cited was not being followed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 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: CBC Companies, Inc.
State: GA

Complaint narrative:
1. The inquiry was not authorized Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX. The inquiry was not authorized Date : XX/XX/XXXX XXXX XXXX XXXX The inquiry was not authorized Date : XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, PA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 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 notified XXXX and Equifax that the creditor XXXX A/R Solutions listed as a collection account on my report is not mine. The collection was shown as being for an XXXX XXXX account for XX/XX/2021. I have never had an ambulance account. The only ambulance I have been in, last XXXX, was covered by XXXX. I am a military dependent. 
XXXX account number XXXX is reported as being accurate. Do I need to take this to legal action? Equifax has not responded. XXXX has. When I called them yesterday, they said my option is to contact you. I am very angry!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 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: Chime Financial Inc
State: NC

Complaint narrative:
I received an email from Chime stating my card was in the mail, this was approximately 1 month ago. I never applied for a card or an account with them. Today, XX/XX/2022. I received the card in the mail. I neither applied for nor wanted this card. I called the number on the back of the card to find out why it was sent and to get it canceled. I received no help from their staff to get this done other than say I could only accomplish this by sending them an email which I was not comfortable doing. I didnt want to send any info to a company I didnt know or have a relationship with in an email. 
All I wanted was to get this card canceled and my name and info removed but to no avail. 
In my opinion they are sending out cards fishing for new clients which I think is unethical. All I want is to have whatever info they have on me to be removed and the card canceled. 
I have already filed a complaint with the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2022 I sent a dispute to Experian in regards to them furnishing information on my credit report without my consent that is XXXX XXXX XXXX XXXX XXXX The letter was delivered to them on XX/XX/2022, I also attached a return receipt requesting a valid response. I am aware that they have 4 days to respond by law in which today is now XX/XX/2022 and I am yet to receive a response. My original documents were all notarized as well.

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 2022-01-14 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I XXXX XXXX a consumer in fact a natural person on XX/XX/2021 noticed on my consumer report from Experian several inaccurate and unfair practices. Experian breached my right to privacy by furnishing a consumer report that I never gave them written permission to furnish pursuant to 15usc1681 ( 2 ). It has been damaging my reputation badly and my public confidence. This false report has not been equitable to me at all. Experian is in violation of 15 usc 1681n and 15 usc 1681o for willful noncompliance and negligent noncompliance for failing to comply with federal law. I authorize the federal trade commission to enforce compliance with the requirements of the subchapter under the federal trade commission act. Pursuant to 15usc1681s ( 2 ) I demand compensation for the harm and injury that Experian has brought upon me the consumer for knowingly violating and practicing the behavior.

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 2022-01-14 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERICAN ADVISORS GROUP
State: TX

Complaint narrative:
American Advisors Group license number XXXX has been promoting their reverse mortgage program on television and social media. They offer a free information kit. I have inquired a number of times over the past 6 months and they have failed to send the promised kit. My last contact with them was on XX/XX/XXXX, XXXX. I was persuaded to speak with a loan representative. He was reluctant to give me his NMLS id #. He finally said he only recently received his license. I did a search and found that he has had a license for over a year. His name is XXXX XXXX XXXX XXXX XXXX # XXXX. He assured me the kit would be sent and I have not received it as of today. 
I am not even sure this company is legit or just phishing for info. Don't companies have an obligation to deliver their product or kit as promised?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 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: TICE ASSOCIATES INC
State: NY

Complaint narrative:
I reached out to the Credit Bureau over a month now and I am yet to receive any documentation or response from them.Section 809 state ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC
State: GA

Complaint narrative:
Okay so back in XXXX I made my payment with flagship I'm always on time with my payments so when I receive my XXXX payment it says my XXXX payment didn't go through I checked my bank I also called them they say my payment was confirmed and that it most definitely went through flagship is still saying it didnt go through they said it was some type of charge back but I look at my account I never received a refund for it at all so how can I pay something back that I already paid it doesn't make sense I sent it my bank statements showing proof it was payed they still have not been trying to work with me at all

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 2022-01-14 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 been taking advantage of due to malpractice while several laws have been broken under the FCRA by your company. This is causing me financial injury and defamation of character. I am unable to get a job or apply for credit. This has hurt the credibility of hurting my credit.

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 2022-01-14 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated
State: IL

Complaint narrative:
I became aware on XX/XX/XXXX, that over {$2500.00} of unauthorized charges was taken out of Way2Go debit Card by a minor ( XXXX XXXX XXXX ) from XXXX for several months. I immediately canceled the card and filed several disputes asking for a full refund and found out today, XX/XX/XXXX, that the card company denied my requests because of insufficient information, and refused to allowed me to file an appeal. I provided Way2Go with a copy of XXXX refund policy that shows I qualified for a refund, along with a letter explaining what happen, so what other proof do they need from me. I asked a representative and she couldn't tell me. I asked to speak to a supervisor and was told none was available. 
I am a young college student with limited income and work hard for my money to pay my tuition, rent, utilities, and other necessities. I requesting immediately assistance in this matter. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was given an EDD Debit Card when I was approved for COVID-19 Unemployment. In XX/XX/XXXX, my benefits were stopped due to an issue with my claim which was appealed. At that time, i also discovered that fraudulent transactions occurred on my card in XX/XX/XXXX and sent a letter to Bank of America to dispute the fraudulent transactions. All of the fraudulent transactions on my card occurred in States outside of XXXX  when I was at home in XXXX XXXX at the time of each and every fraudulent transaction on my card. A copy of the letter that I wrote to Bank of America regarding the fraudulent transactions is attached. Bank of America wrote me a letter back stating that my fraud claim was denied in XX/XX/XXXX ( close to a year after I sent in the letter disputing the fraudulent transactions in XX/XX/XXXX ). I did not authorize anyone else to use my card and did not take place in any of the fraudulent transactions made on my card. 

In XX/XX/XXXX, I won my EDD Appeal and EDD sent me a new Debit Card to receive my benefits on. On XX/XX/XXXX, partial benefits in connection with my favorable appeal were sent to my EDD Debit Card. I was not able to activate my new EDD Debit Card so I called Bank of America and was told that EDD placed a hold on my debit card. I contacted EDD on XX/XX/XXXX, and was told that EDD did not place a block on my debit card. A copy of the secure email that I received from EDD explicitly stating that they placed no block on the card and to contact Bank of America is attached.

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 2022-01-14 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: MI

Complaint narrative:
I hold a mortgage with XXXX loan servicing. I was personally impacted by the coronavirus and went on the corona forbearance plan as soon as I was made aware it was an option in 2020. I was told it would not effect my credit score and be non-reporting on my credit report. Unfortunately that was not the case and XXXX loan servicing reported it every month. Had I known that I may have chosen differently. It's unacceptable to tell someone they won't be negatively effected by going on Corona forbearance and then destroy their credit the whole time. I would like all of the late payments removed off of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2022 I sent Transunion a dispute in regards to them furnishing information on my credit report without my consent that is harming me as a human being. The delivered was delivered to them on XX/XX/2022, I am aware that they are to respond within 4 days by law. It is now XX/XX/2022 and I have yet to receive any response. They are in violation. My original documents were notarized as well.

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 2022-01-14 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 been taking advantage of due to malpractice while several laws have been broken under the FCRA by your company. This is causing me XXXX XXXX XXXX XXXX of character. I am unable to get a job or apply for credit. This has hurt the credibility of hurting my credit.

Company response to consumer: Closed with explanation