vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-29 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: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. We have been sending written letters with regards to my request of removing the items in question and my last request was sent XX/XX/2021. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX  XXXX Balance : {$79.00} XXXX XXXX Balance : {$15000.00} XXXX  XXXX Balance : {$160.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 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: PA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve. I've send written letters last XX/XX/XXXX with regards to my request of removing the inquiries in question. Upon reviewing my updates, incorrect information has been constantly reporting. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Hold placed on {$4000.00} check written from a major corporate entity ( XXXX XXXX XXXXXXXX ) FROM A BANK OF AMERICA account

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 2021-10-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
regarding CaplitalOne Venture card : I called about a month ago to dispute a charge from XXXX on XX/XX/XXXX for {$580.00}. The representative told me that the dispute had been logged, case # XXXX and was submitted. But a week later my office received mail they scanned and emailed to me with a form that was needed. I completed the form the same day and called requesting a digital upload link ( as suggested by the company ). The person said that their computer was messing up and that they would send the link when it was fixed, but I had to call in almost a week later to make the same request again. After finally receiving an upload link, I uploaded those documents about two weeks ago. Because CapitalOne does not have a method for customers to check status updates themselves, I called in on Tuesday XX/XX/XXXX and first spoke with XXXX ( emp ID XXXX ), who placed me on hold while he researched and then dropped the call. I called in about 10 minutes later when I didn't get a call back and the next employee reached out to XXXX and responded saying that his phone had dropped because it wasn't working. So I got transferred to the next supervisor XXXX ( emp ID XXXX ). I was on the phone with XXXX for another 2hrs and 58 minutes while he looked into cases. During this call, XXXX put me on hold for almost 1 entire hour while he researched this case. When he came back on the line he explained to me that the bank DID receive my uploaded dispute document over a week prior, but failed in its duty to submit the case notes to the vendor as a charge back. He told me that there was a glitch in the system and it should have done that. I was upset that several weeks had passed and all delays to date have been from my very own bank not following through, but thought he had fixed the issue when the call ended. Late yesterday XX/XX/XXXX I received an email from the bank saying they had an update. The update states " Thanks for letting us know that you're no longer disputing the charge with this merchant.Since we previously credited your account for {$580.00}, the amount you were disputing, we are reapplying that charge to your account. The adjustment will appear on your next one to two billing statements. At this time, we consider your case closed. '' I never closed this case, this is so inaccurate. I called today and requested the same manager " XXXX '' that helped before as he asked me to do, but was told that he would have to call me back - he never did. Now I just found out today that the end vendor who actually received the funds and does not reply to any requests to resolve the matter with them directly, " The XXXX XXXX XXXX '' is closing permanently. I really hope that this does not affect the dispute. 
Please please please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Hello. A representative XXXX from XXXX called me to get payment from a loan my ex husband took out for our daughters college tuition. He applied for that loan in XXXX from Wellsfargo. Since then, Wellsfargo sold the loan to XXXX. I talked to XXXX to let her know that my name was signed electronically and she said there is nothing she can do. XXXX admitted on a recorded line that I did NOT co-sign on that loan for my daughter. Now, I have a missed or late payment on my credit for something I have no dealings with. Here is the contact person at XXXX to validate what the conversation was about on XX/XX/XXXX around XXXX XXXX XXXX Recovery Specialist II XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX o : 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 2021-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I sent my FTC identity report to this company and they sued me as well as still reporting these fraudulent accounts on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-29 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: PA

Complaint narrative:
This is XXXX XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 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: CA

Complaint narrative:
XXXX was supposed to delete any negative information on my credit reports with all 3 bureaus once the loans were brought to positive status with XXXX XXXX XXXX. The student loans were fully paid off in XXXX of XXXX with XXXX XXXX XXXX XXXX, the company my loans were transferred to. The negative reporting was successfully deleted from my XXXX and XXXX credit reports but for some reason is still showing on my Equifax Credit Report. I need the negative reporting from XXXX deleted off of my Equifax credit report. This inaccurate information is hurting my credit score with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: TX

Complaint narrative:
i have been banking with compass for many years i retired in XXXX and closed my business account. i left my saving account there i left it as a nest egg .last week i went to compass to close my account. i was told the bank was no longer in bussiness showed the teller my check book and was told this account does not match any account.was i sure i had a account with compass. i gave them my social security number and was told they had no records. they told me to check with the state and i called three times and no money had been sent i call compass and XXXX XXXX answers they can not help me i just want to know who closed that account and what happened to my money. my checking account number isXXXX my account i paid taxes is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 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: FL

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 2021-10-29 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE
State: TX

Complaint narrative:
I have a mortgage with TCF Bank on a XXXX XXXX I own in XXXX XXXX, MI. It was sold to Huntington Bank in XX/XX/2021. Since then, I've spent 25 hours on the phone and on chat with various personnel who refuse to help provide the new account number or the way to pay the mortgage. Everyone hangs up the phone and says " not my department ''. 

I'm concerned because the XXXX XXXX 11 low income vulnerable families and if Huntington forecloses on the XXXX  they will lose their XXXX. I have never been late and my credit score is great, but Huntington Bank and their representatives have no interest in helping make this a reasonable outcome. 

I've tried working with my banker, XXXX XXXX in XXXX, MI as well as XXXX from the chat help. She created a case ID XXXX but of course, couldn't help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
in XX/XX/XXXX navy federal credit union closed my membership and accounts due to fraud. They will not disclose to me why my accounts were closed at the time i had been a member with navy federal since XXXX and never had any overdrafts all of my loan products were paid on time never late. I attempted an appeal and was denied. Today XX/XX/XXXX I reached out to navy federal again because me and my cousin are starting a XXXX XXXX in remembrance of our grandmother to support kids at the elementary school that she taught at for many years. I waited on hold for almost an hour to be told that I could not be added to the association account due to the fact of the alert that they will not remove from my account. At the time of restriction or block I was not using Navy Federal as a primary bank so there was no activity that would have called for my accounts being blocked or restricted. As a part of this review they restricted my mothers account as well but she was allowed to complete a one time pin verification code and all was cleared on her account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Rushmore Service Center, LLC
State: TN

Complaint narrative:
I have told this company repeatedly to stop contacting me. They continue to do so from random numbers. When I tell them I want to speak to a supervisor they tell me there isnt one available. 

I am beyond frustrated with being harassed by these people. Especially when I have asked for validation of said debt and they have no provided one.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 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: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. We have been sending written letters with regards to my request of removing the items in question and my last request was sent XX/XX/2021. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX Balance : {$2100.00} XXXX XXXX Balance : {$8300.00} XXXX XXXX Balance : {$3300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I tried to reach Citi bank XXXX, XXXX on XX/XX/2021 7 times to make a report about 6 fraudulent debit transactions from my Citi checking account and my identity was verified 5 times ( by XXXX, by XXXX from fraud department and then I was either promised that fraud repreresentative/investigatior would call me back within 1-2 hours or when keep calling, Citibank fraud department dropped XXXXy phone calls after asking to stay online 2-3 min. I was staying XXXX and more minutes and they dropped my phone calls. I am a victim of identity theft, and a result a victim of 6 fraudulent debit transactions from my Citi checking account in total {$12000.00}. The Citibank is not cooperation from the very first moment to help me to establish a fraud clam and to get a claim number. I will fill out, sign and notarize Citi bank Security Affidavit and mail to Citibank Head Office in XXXX XXXX, TX and to Citibank XXXX XXXX XXXX, XXXX XXXX, NY XXXX. 
Please 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 explanation
Consumer complaint received 2021-10-29 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: AL

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 2021-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I tried to transfer money with Wells Fargo online banking using XXXX to transfer {$1000.00} on XX/XX/2021. The recipient received the email from XXXX that someone was sending money to them, however they never received the transfer. After 3 days, on XX/XX/2021 I filed a claim with Wells Fargo about the unreceived funds and they acknowledged that the money was never posted to the recipients account, however it was withdrawn from my account. I called multiple times to find an update on the status of the claim and on XX/XX/2021 they told me they consider the claim closed and that the money shows it was sent. The money was never received by the recipient and still remains missing from my account. Wells Fargo has told me they can't tell me where the money was sent.

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 2021-10-29 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: PA

Complaint narrative:
I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CMRE Financial Services, Inc.
State: TX

Complaint narrative:
CMRE Financial, XXXX XXXX, XXXX XXXX, XXXX and XXXX are reporting inaccurate information such as balances, account number, and dates reporting on my credit file. They have all failed to report accurate and complete information on my credit file. I sent them a debt validation letter over 30 days ago with no response. Please help me investigate this matter, I am getting denied for a car loan because of these accounts and would like this matter resolved as soon as possible. I would like these accounts deleted while it is being properly investigated, as it has been approximately 90 days since the first dispute was submitted. They negligently and willfully violated the FCRA and FDCPA laws by failing to properly investigate the dispute or review the letters that were submitted. The case I have against them is that : The furnisher failed to conduct a proper investigation The furnisher failed to review all relevant information available and provided by me and the third party agencies and As a result I have suffered harm on my credit file and personal wellbeing. 
Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
XX/XX/2014 Comenity bankXXXX XXXX account was paid off and closed XXXX dollars

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to THE 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. 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 non-monetary relief