vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-14 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
So I have reached out several times and tried so so many times to get these accounts on my credit that are not mine removed. At this point the next option I have is to hire an attorney to assist me because me doing it by myself seems not to be working. This is really causing me to lose money paying high rents when I can purchase. I know I can get approved now but I need this cleaned up so I can take advantage of the best offers for me as a first time home buyer. I have filed a complaint with the FTC and the police here. I really need some help I am doing this on my own behalf. Please remove these accounts that I dont know anything about XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX , XXXX XXXXXXXX and XXXX XXXX XXXX. I have tried and tried again to try and get this handled with these companies and no response and cant get anywhere even with management.

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 2021-11-14 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: IL

Complaint narrative:
To EQUIFAX : I am tired of dealing with your lies and manipulations of peoples lives. I have filed a dispute several times with your company involving a Bankruptcy Public Record that is incorrectly reported on my Equifax credit report. The updated Equifax report as of XX/XX/2021, is still showing Bankruptcy Public Record as VEFIRIED AS ACCURATE. You state you obtained Bankruptcy Public Record Information from local, state, and federal courts through a third-party vendor, XXXX. I have included a letter from XXXX where they state they dont report bankruptcy on my consumer file. You have also listed the Agency 's contact info to be the US Bankruptcy Court. The Bankruptcy Court has both mailed me letters that emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. Please provide me with copies of all documentation associated with this Public Record Account bearing either a court order to place this information in my credit report or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately deleted from the credit file you maintain under my name and social security number. Failure to respond in a satisfactory manner within 30 days of receipt of this certified letter will result in a small claims action against your Credit Reporting Bureau. I will be seeking no less than {$5000.00} in damages for, but not limited to 1 ) Defamation ; 2 ) Negligent Enhancement of Identity Fraud ; 3 ) Violation of the Fair Credit Reporting Act and Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
This is both a new complaint and a follow up to a previous complaint. In XX/XX/XXXX I filed a complaint against Capital One bank for fraudulently denying access to funds deposited into my account. Their original statement to me was that they would hold my deposit 30 days ( expiring XX/XX/2021 ) when they did not release the hold as they said they would I tried to work with them with no success. In their response to the complaint ( attached ) they stated they would be willing to remit funds back to the issuing bank if request. I have provided such a request ( also attached ) but the bank still refuses to either release the funds or remit the funds to the issuing bank. I am at a loss of what to do Capital One bank as been unreasonably hard to get ahold of and / or work with through this entire process. I have attached a copy of their first response as well as the response from the check issuer ( XXXX XXXX ). I would appreciate any help that could be provided in getting Capital One to either honor what they originally stated which was that the hold would last 30 days ( we are pushing 140 days now ), or remitting the funds back to the original bank both of which they said they would do in writing but had refused either action when formally requested. Ideally I would like for Capital One to remit the funds back to XXXX, close my account, and mail me any funds in the account over the amount that needs to be remitted to XXXX as they have totally broken any faith with me at this point. It feels like I am just getting the run around and protection from large banks for a small consumer such as myself had to be what was in mind when the CFPB was created. I appreciate your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
So I have reached out several times and tried so so many times to get these accounts on my credit that are not mine removed. At this point the next option I have is to hire an attorney to assist me because me doing it by myself seems not to be working. This is really causing me to lose money paying high rents when I can purchase. I know I can get approved now but I need this cleaned up so I can take advantage of the best offers for me as a first time home buyer. I have filed a complaint with the FTC and the police here. I really need some help I am doing this on my own behalf. Please remove these accounts that I dont know anything about XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX , XXXX XXXXXXXX and XXXX XXXX XXXX. I have tried and tried again to try and get this handled with these companies and no response and cant get anywhere even with management.

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 2021-11-14 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: GA

Complaint narrative:
So I have reached out several times and tried so so many times to get these accounts on my credit that are not mine removed. At this point the next option I have is to hire an attorney to assist me because me doing it by myself seems not to be working. This is really causing me to lose money paying high rents when I can purchase. I know I can get approved now but I need this cleaned up so I can take advantage of the best offers for me as a first time home buyer. I have filed a complaint with the FTC and the police here. I really need some help I am doing this on my own behalf. Please remove these accounts that I dont know anything about XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX , XXXX  XXXX and XXXX XXXX XXXX. I have tried and tried again to try and get this handled with these companies and no response and cant get anywhere even with management.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Bank is not allowing access to my account on Saturday, XXXX XXXX at XXXX XXXX PST. Access to the account is not available online, through the app or calling the number of the debit card. Therefore, I am not able to access funds through my debit card. Chase Bank is unwilling to escalate my request to unlock my card at this time denying me access to my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERICAN ADVISORS GROUP
State: CA

Complaint narrative:
I got harassed by the company called XXXX on behalf of XXXX XXXX. They sent me mail from " Main Office '' at XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX, CA XXXX. I don't know how they got my personal information and mailing address which I have never signed up for. I have been harassed by this company for so long. When I called the XXXX, the call center reps are extremely rude and unwilling to remove me from the list. It's a complete scam. Please help and prevent this company from harassing people.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have a mortgage with Bank of America. During Covid-19 Pandemic, I requested and was given a total of 18 months of mortgage payment deferment by the bank ( XX/XX/XXXX thru XX/XX/XXXX ). However when I resumed paying my mortgage in XX/XX/XXXX after the 18 months were completed, I noticed that the deferred amount shown on my mortgage statement is less than 18 months worth of mortgage payments. From my calculations, it appeared that they have kept the principal portion of those deferred mortgage payments in the original principal balance, and have only deferred the interest portions. I have contacted the bank several times, and have either been told to just wait, have been hung up on, or generally got the runaround with no clear answer or responsibility. I am ready to give up pursuing an answer from them and that is why I have contacted you. 

I want to emphasize that if this is not an error that will eventually be corrected, this action by the bank is very inappropriate and against what was promised to customers by the bank when customers requested mortgage deferments, and extended it as allowed by law for up to 18 months. The letters sent by the bank confirming every 3-month deferment period stated that the " mortgage payments '' will be deferred and not just the " mortgage interest payments ''. 

Please bring this to the attention of appropriate mortgage department managers at Bank of America so it can be corrected for all customers, as it is wrong, immoral, and may even be illegal for the bank to do this cunning maneuver so that they can charge customers additional interest on principal amounts that have already accrued interest and should have subsequently been placed in the deferred category.

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 2021-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF THE WEST
State: CA

Complaint narrative:
I opened a new account on XX/XX/XXXX, but I wasn't able to use the online banking or their app. It says I need to call customer service to verify my identity, and I did - the wait time was long and kept dropping my call. 

So I went to a branch to verify myself, the employee tried to call their support, but it says the online option I have is waiting, and it'll take about 2-3 days. 

So I went home and wait for about a week, I called them again, they said I need to wait and never fix my account. 

As of now, it's just showing my online access is locked.

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 2021-11-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
Company name coinbase one morning l woke up and somebody stole my money from coinbase account and XXXX from my XXXX XXXX XXXX card transfer on coinbase and stole on coinbase account then l contact with company they said somebody hacked account and stole money but that is not my fault or my problem they should have responsibilities on my money and they send me mail we wont refund your money l need this money and l have to pay my rent and nobody help me please help me thanks my totally lost XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In a big thing of identity there since XXXX I started having problems with XXXX I lost a lot of money and then I started having problems with XXXX XXXX then I started having problems with XXXX XXXX  and now I'm having problems with the bank that I have right now that is Citibank money spent withdrawal without my authorization and big amounts of money and also have been withdrawal last month XXXX word withdraw out of my account and the month before it was XXXX now this one is XXXX have clues of people working in Branch doing fraud with money please I'll be having this issue for a long time thank you I want to open investigation and if you guys need information on more than happy to help 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 2021-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
After obtaining my credit report I found an debt from a company. I was in Prison and I was a victim of identity theft. there was know I could have done this. I was incarcerated from XX/XX/XXXX until XX/XX/XXXX. 

please remove this as it is hindering me in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Performance Management, LLC
State: IL

Complaint narrative:
this company is harassing me about a debt that i do not owe. I tried to contact the original company to have it remove but the debt was sold to a third party and i was also mistreated and misdirected in the entire situation. I do not owe this debt because i have never had a XXXX service of any sort. The fcra and the fdcpa both state that a third party collection agency must be able to present documents to verify anything that they are reporting on a persons credit report and failure to do so could result in fines and penalties in which i will seek for the damages this is doing to my credit reports and my scores. This company must have a copy of an identification card as well as a copy of a ssn card and a purchase receipt to show the exact item or service that i am being accused of buying and a signed original contract with my signature and XXXX  agreeing to any debt to be paid etc or i will seek compensation for the problems this is causing in my life. This company is also very rude i tried to contact them but i was hung up on by an employee and that just made the situion even worst in my opinion because not only are they forcing unowed debts on me but they are disrespectful at the same time

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 2021-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
this company is harassing me about a debt that i do not owe. I tried to contact the original company to have it remove but the debt was sold to a third party and i was also mistreated and misdirected in the entire situation. I do not owe this debt because i have never had a XXXX service of any sort. The fcra and the fdcpa both state that a third party collection agency must be able to present documents to verify anything that they are reporting on a persons credit report and failure to do so could result in fines and penalties in which i will seek for the damages this is doing to my credit reports and my scores. This company must have a copy of an identification card as well as a copy of a ssn card and a purchase receipt to show the exact item or service that i am being accused of buying and a signed original contract with my signature and tmobile agreeing to any debt to be paid etc or i will seek compensation for the problems this is causing in my life. This company is also very rude i tried to contact them but i was hung up on by an employee and that just made the situion even worst in my opinion because not only are they forcing unowed debts on me but they are disrespectful at the same time

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 2021-11-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc.
State: VA

Complaint narrative:
I send money with fee XXXX for express Why today take so long time to receive

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 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: CarMax, Inc.
State: IL

Complaint narrative:
this company is stating that i had a late payment when i did not i tried to explain to them that they must have mistake with their system and that i always made my payments on time and my bank even stated to me that the payment was taken from my account in time and that it was not their fault. this company has refused to fix the situation even after numerous attempts. This is a violation of the FCRA all information must be truthful and accurate at all times and if not then this company can face possible fines and penalties in which i will seek for all of the complications i have had to go through to fix this problem they must show proof that it was my fault that the payment was ever late i paid them on time and they took the money but still put a negative remark on my credit which has impacted me negatively which is against the law. They state that my payment was late XXXX XXXX in which it could of very well been a problem with their systems due to corona related issues in once again you cant penalize a person if something happens because of a National Disaster.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 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: IL

Complaint narrative:
this company is stating that i had a late payment when i did not i tried to explain to them that they must have mistake with their system and that i always made my payments on time and my bank even stated to me that the payment was taken from my account in time and that it was not their fault. this company has refused to fix the situation even after numerous attempts. This is a violation of the FCRA all information must be truthful and accurate at all times and if not then this company can face possible fines and penalties in which i will seek for all of the complications i have had to go through to fix this problem they must show proof that it was my fault that the payment was ever late i paid them on time and they took the money but still put a negative remark on my credit which has impacted me negatively which is against the law. They state that my payment was late XX/XX/XXXX in which it could of very well been a problem with their systems due to corona related issues in once again you cant penalize a person if something happens because of a National Disaster.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
this company is stating that i had a late payment when i did not i tried to explain to them that they must have mistake with their system and that i always made my payments on time and my bank even stated to me that the payment was taken from my account in time and that it was not their fault. this company has refused to fix the situation even after numerous attempts. This is a violation of the FCRA all information must be truthful and accurate at all times and if not then this company can face possible fines and penalties in which i will seek for all of the complications i have had to go through to fix this problem they must show proof that it was my fault that the payment was ever late i paid them on time and they took the money but still put a negative remark on my credit which has impacted me negatively which is against the law. They state that my payment was late XX/XX/XXXX in which it could of very well been a problem with their systems due to corona related issues in once again you cant penalize a person if something happens because of a National Disaster.

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 2021-11-14 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
As being a victim of identity theft. I have repeatedly sent all files and documents to XXXX and EXPERIAN. These companies will not follow cfpb guidelines for all identity theft cases. It has been 120 days and they will not remove all accounts that was opened fraudulent in my name! I have sent everything they needed to prove my case. Under your code of 605B " BLOCK OF INFORMATION RESULTING FROM IDENTITY THEFT [ 15 U.S.C <1681 c-2 ] theses companies are not following this rule.

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