vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-09 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: FL

Complaint narrative:
The CFPB response of XX/XX/20 on complaint # XXXX submitted XX/XX/20 indicates that Equifax does not recognize me as their customer or their customer 's authorized representative. This statement is false. The Company ( Equifax ) sent my credit report ( Confirmation Number # XXXX ) on XX/XX/20. The company 's class action settlement amount for failure to prevent a breach of my personal information has yet to be provided. With the evidence submitted in my XX/XX/20 complaint regarding the settlement amount and CFPB 's inaction in following through verifying that evidence, it would appear that any complaint through CFPB is of little value. If CFPB is charged with protecting the consumer 's financial information, the actions in this case contradicts their mission by only acting as a clearing house to any type of consumer complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
i even sent a letter to get multiple inquiries removed ... .claimed they never got it so i'll just attached it to here so they won't claim they didnt get it ... .there is inquiries i never authorized and trying to have them removed ... heres my identity once again so they know its me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently received a response to a dispute regarding a reinserted judgment, that I made under FCRA 611 ( a ) ( 1 ) regarding an erroneous item on my credit report involving a Chapter XXXX Bankruptcy. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. In a letter provided to me by your company it states the information has been verified by the company your obtained the information from. That company XXXX XXXX has sent me a letter ( Attached ) stating this item has now been removed. If they have done their due diligence in correcting this erroneous record how is it you all are stating it is verified?

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 2020-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently received a response to a dispute regarding a reinserted judgment, that I made under FCRA 611 ( a ) ( 1 ) regarding an erroneous item on my credit report involving a Chapter XXXX Bankruptcy. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. In a letter provided to me by your company it states the information has been verified by the company your obtained the information from. That company XXXX XXXX has sent me a letter ( Attached ) stating this item has now been removed. If they have done their due diligence in correcting this erroneous record how is it you all are stating it is verified?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 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 was the victim of identity theft in XXXX and XXXX of 2020. Someone opened up XXXX accounts and tried to open up XXXX XXXX and XXXX accounts in my name. These issues impacted my XXXX  and Equifax credit reports and scores. I was able to get a police report and get the issues resolved with XXXX  but Equifax has been completely inept. I have called them on 15+ occasions and been told via phone that my inquiry would be removed only to find out a week later when I updated my credit report that my inquiry didn't fall off. I have written documentation from them on two occasions confirming that they had removed the inquiries but my credit report still shows them on my credit report. I have submitted police reports to support my claim, XXXX has submitted evidence that it was fraudulent, and I have called on multiple occasions with no success. 
Please assist as I have spent days working through with Equifax and had no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
In the month of XXXX I made a deposit of XXXX XXXX dollars in cash at the ATM of the Bank of America bank branch at XXXX XXXX XXXX, XXXX fl XXXX. The ATM gave an error and recognized only {$300.00} of the XXXX deposited. A claim for the deposit difference, to which Bank of America replied that that deposit and all the funds in my account were frozen until the investigation of the deposit in question was completed, and that my checking account would be permanently closed, that the funds in my account would be sent to me in a check later. 
On XX/XX/XXXX, I received a letter from this institution, informing me that the XXXX dollars difference that were under investigation had been issued to my account as a temporary credit while the investigation was being carried out. On XX/XX/XXXX, I received a new letter from Bank of America where they told me, and I quote verbatim We wrote you about your claim. What you need to know During our investigation, we determined that the amount in dispute should have been {$1000.00}. The adjustment will appear on your statement, or you can visit bankofamerica.com to review the adjustment online. The total amount of {$1000.00} is now permanent and we consider that your claim is closed. On XX/XX/XXXX I received a new letter where Bank of America informed me that the funds deposited on a temporary basis were once permanently available since the claim was resolved. Finally, on XX/XX/XXXX, I received a last letter informing me that my account was permanently closed. After this, they also closed my access to my business account, which also frozen the funds, alleging that Bank of America did not want me as a client and that the funds in my business account would also be sent to me by check before the XXXX of XXXX. Today we are 9 days from XXXX and my funds are still frozen and the check has not arrived. I request to the XXXX XXXX agency a bank report and in this report Bank of America declares to have closed my accounts for checking account fraud, which is totally contradictory with the result of the investigation product of this I have a restriction that does not allow me to open accounts with any banking institution. I have contacted several departments of Bank of America and all the answers are ambiguous, they have only transferred me for weeks from one department to another.

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 2020-06-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
In XX/XX/2020 our team spoke to American Express personnel members on XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX and XXXX and XXXX to request and confirm Covid 19 economic injury assistance and account forbearance. Our Company ( s ) are 95 % reliant on the hospitality industry sector for our customer bases and we explained this to American Express on multiple dates. They first proclaimed that we were not eligible for assistance in XXXX. Then during later calls in XXXX we were lucky enough to speak with one of their employees that did confirm our prior calls, requests and he confirmed that we were a part of the Covid 19 economic injury protection plan at American Express. We have had this American Express Account for over 24 years and this is the first request for assistance that we have made. The later calls to American Express on XX/XX/2020 came with revelations that American Express employees claimed we were not a part of their protection plan for Covid 19. They claimed we had spoken to the " wrong department '' and that they had only " one month '' of assistance. At no time during our conversations did any American Express Employee explain a duration of help, nor would they readily admit that they even had a program for assistance, unless we asked to be transferred around their personnel members in some cases for two ( 2 ) hours on the calls. We do need help and we CAN NOT pay the American Express account now, or for the foreseeable future during the summer months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 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: EQUIFAX, INC.
State: OH

Complaint narrative:
Dear Sir or Madam : I am writing to dispute the following information in my credit file. The item Im disputing is XXXX XXXX XXXX. 

This delinquent account record is inaccurate because I did not miss payments between XXXX and XX/XX/2017. I am requesting that the account be corrected to show that it has always been current, with no record of being delinquent. 

Please investigate this matter and correct the disputed item as soon as possible. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Dear Sir or Madam : I am writing to dispute the following information in my credit file. The item Im disputing is XXXX XXXX XXXX. 

This delinquent account record is inaccurate because I did not miss payments between XXXX and XX/XX/2017. I am requesting that the account be corrected to show that it has always been current, with no record of being delinquent. 

Please investigate this matter and correct the disputed item as soon as possible. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2020-06-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
I took out a mortgage for a condo in XXXX, FL in 2018 Escrow was NOT part of the mortgage loan. 
In XXXX XXXX sent the tax bill to the XXXX address, but I do not get mail there. 
So they notified the bank of the taxes due. 

Freedom Mortgage has been billing me : {$1700.00} every month for escrowing just my real estate taxes. The problem is : for 12 months my real estate tax is {$9300.00} for the year. Freedom Mortgage is billing me annualized : {$20000.00} for a {$9300.00} tax bill. 
Year to date they have collected from me : {$11000.00} for the escrow, I have surpassed the amount of the real estate tax due for the year and Freedom Mortgage will NOT stop billing me : {$1700.00} - they have already reported me late by 30 days to the credit bureau 's even after I disputed the charge. 

I have recorded my last call with them. 
So far I have at least 15 hours of calls in to them, no resolution. 
I have faxed them. I have emailed them. I have sent them messages thru their website for customers. I have in boxed their CEO, Senior VP, COO all via XXXX - no responses. 

Freedom Mortgage Corporation XXXX XXXX XXXX XXXX Mt. XXXX, NJ XXXX United States Lender NMLS ID : XXXX XXXX They are bad people who run a crooked business. 
I have filed complaints in NJ and FL with the regulatory entities for each state that oversee banking and lending. Hopefully, I will get some relief from someone. 

Also they lied and said my LTV ( Loan to Value ) fell below 80 % - LIE I put 50 % down in cash : owe them {$290000.00} and the recent appraisal for the property done by a bank ( I have it for sale ) came in at {$570000.00} - plenty of equity in the condo. 

NEVER, EVER TAKE A MORTGAGE FROM THESE PEOPLE.

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 2020-06-09 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: HEARTLAND PAYMENT SYSTEMS INC
State: PR

Complaint narrative:
Since XXXX 2019 I've been trying to fix this problem. I have a student loan from XXXX University, administered by Heartland ECSI. My loan and payments showed in my XXXX credit report. I disputed to XXXX  the payment history information and balances as it was incomplete and inaccurate. The dispute was submitted successfully. In less than 12 hours, XXXX  responded saying " they deleted the account from my credit report ''. This has caused me serious problems : ( 1 ) I've not been able to fix it, even though Hartland ECSI confirms they have been reporting my payments to XXXX  on a monthly basis ; ( 2 ) XXXX  says they can not add the account back, even though they deleted the account without my request ; ( 3 ) My credit has been significantly affected as it plunged my credit history to the floor, thus lowering my credit score SIGNIFICANTLY. I have evidence showing ( 1 ) the  account exists, it is mine and it was in my XXXX  report. ( 2 )  Hartland ECSI has evidence of reporting my information to XXXX, and ( 3 ) that the account has been deleted and never restored since XX/XX/2019. 

I really need this to get solved. It has negatively affected me, lowering my score and limiting my credit options.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Despite hours ( in aggregate ) of time spent on the phone trying to get resolution, Equifax refuses to correct an issue with my account on their " myequifax '' service. I require the service to quickly manage credit freezes and unfreezes, which are necessary because Equifax compromised my data in XXXX. Despite verifying my identity manually on the phone multiple times and speaking to multiple customer service representatives both in XX/XX/XXXX and XX/XX/XXXX, Equifax has repeatedly told me that I will " never '' be able to use this online service due to an unspecified " problem which occurred when my account was set up. '' They have refused to detail the exact problem, saying only that it could have ranged from a compatibility issue with the device I was using, to incorrect information entered, to even an unexpected IP address. They have refused to connect me ( either in real-time or off-line via email or phone # ) with technical personnel who could resolve the issue. Instead, they have said I would need to manually call in every time I needed to freeze or unfreeze my account and wait on hold to speak with someone, or, alternatively, use an automated system ( which has also not worked for me ). Lastly, searching online via forums like XXXX, XXXX, and others, this issue appears not be isolated. It seems to have affected many others. 

SPECIFIC ISSUE HISTORY : I first encountered the problem in fall of XXXX. After spending several hours on the phone with Equifax on XX/XX/XXXX, I received an email on XX/XX/XXXX indicating the issue had been fixed. This was blatantly false. Instead, when I needed to again unfreeze my credit report in XX/XX/XXXX, I encountered the same issue. It is unacceptable that Equifax, a large corporation with likely hundreds of employed software engineers, is either unable or unwilling to investigate the problems with my account and either reset the account or resolve the underlying issue in their internal system. It is insult to injury that the only reason I find myself in this situation of having to freeze and unfreeze my report is that Equifax failed to protect my data in the first place. 

On XX/XX/XXXX, after 2 1/2 hours on the phone and having spoken to 3 different customer service representatives about the issue, I was either disconnected or hung up on with no resolution to the problem. 

The account in question is for email address : XXXX ( XXXX XXXX ) The case ID 's in question are : XX/XX/XXXX : Case # XXXX XX/XX/XXXX : - complaint # XXXX - Employee 1 info : Employee ID : XXXX ; name XXXX - Employee 2 info : Employee ID : XXXX name XXXX XXXX Employee 3 info : Employee ID : XXXX name XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Comenity Bank closed my Express credit card without the required notice informing me if I did not use the card before a specific date. I did not have 30 days as required for the state of CA. I never received correspondence informing me to utilized the card. If not, it would be close. When I reached out to the company, they informed me that there was nothing they could do. They couldnt locate a notice of anything informing of such action that was mailed or issued to me 30 days prior to my account closure. The only notice I received was when I called on XX/XX/13.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Credit Bureaus refuse to remove or verify an incorrect collection that is not mine. XXXX XXXX in the amount of XXXX . This account is violating the FCRA laws. Needs to be removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
Freedom Mortgage sent up an escrow account stating I had a lapse in coverage and billed me {$130.00} for homeowner 's insurance on my XXXX statement. I do not have an escrow account. I have been paying my own insurance in monthly installments since the renewal date of XX/XX/XXXX, I called them originally on XX/XX/XXXX explaining to them I should not have an escrow account. They stated they did an anaylsis and determined I had a two-day lapse in coverage in XX/XX/XXXX which is incorrect I called to follow up again on XX/XX/XXXX, XX/XX/XXXX, and XXXX, XXXX. They insisted I had a lapse in coverage and did nothing to resolve the matter. After my call on XX/XX/XXXX I submitted the requested documentation by them, from my insurance company showing my payment history along with a statement stating I had no lapse in coverage. They stated they did not received it despite my receipt of an confirming email stating it had been received. I called again on XX/XX/XXXX, XXXX, and XXXX attempting to follow up. I spoke with amabassador XXXX and supervisor XXXX along with several customer service reps over several weeks with no resolve. XXXX stated she would call me back the day after our conversation however never did. I called back asking again for her to return my call but again, no response. All these calls were recorded. I confirmed with my insurance company, XXXX that Freedom Mortgage has paid {$0.00} to them.

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 2020-06-09 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: AR

Complaint narrative:
I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

XXXX XXXX {$460.00} XXXX XXXX XXXX {$2500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Spoke with Capital One Walmart credit card about Covid19 Disaster and they put me under the program not to report me late for XX/XX/2020 and to waive the monthly payment. I just received credit report and they reported me 30 day late. I called back in around XX/XX/XXXX and they could not help me or transfer me to the department to work this out.

Company response to consumer: Closed with explanation