vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-17 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:
on XX/XX/XXXX. I disupted multiple inaccuracies with Equifax To which I received notification stating the following : XXXX XXXX, " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. According to the federal Fair Credit Reporting Act, " '' if the completeness or accuracy of any item of information contained in a consumers file at a national consumer credit reporting company is disputed by the consumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate free of charge. '' '' Therefore, you can dispute any inaccurate information directly with XXXX for free. If you believe that information in your personal credit report is inaccurate or incomplete, please call us at the phone number XXXX, or visit our secure web site to upload your documents at XXXX This is unlawful and the following matters need to be corrected all 3 credit agencies : These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of XXXX. Item Number Company Name Account Number Comments 1. XXXX XXXX  XXXX Account # XXXX - 30 day please delete 2. XXXX - Account # XXXX Please delete 2 of the 30 day late. 3. XXXX XXXX XXXX Account # XXXX - removing, 30 60/90 late. 4. XXXX XXXX XXXX XXXX remove all 5 late payments 5. XXXX XXXX - XXXX account and late payments are in accurate 6. XXXX/ XXXX XXXX 1- 30 day late payment Per 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. All of the above need to be deleted and show positive. Please have equifax validate and show proof by providing documentation here.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 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: IN

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-04-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.

Complaint narrative:
On or around XXXX or XXXX of XXXX, I was served several documents stating that I owe the department store XXXX XXXX at the approximate amount of over {$21000.00}. I stated to my Attorney that I was aware of the credit card but not responsible for the astronomical amount shown on the documents I was served. I obtained my credit report around the years of XXXX and XXXX to date through my credit repairing company and there was nothing on my credit report on the above years stated. Once I received documents, I contacted my Attorney. I suspected fraud and went to the local Police Department and filed a police report on this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
My business email was hacked and they had access to all my business and personal information. They then created a fraudulent bank account at Chase under my name. Using my email system ( XXXX  XXXX ), they were able to convince my business accountant to ACH transfer from our bank account ( XXXX XXXX XXXX  ) {$80000.00} to Chase under my name as : " XXXX XXXX - Chase ''. 

Chase has been un-responsive in taking action against this identity theft and fraud. Their position is that ACH transfer is automatic and it is not necessary to tie the name of the account to the transfer. Of course, the transferred money is gone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Someone created an account with my information. I became aware of this when going through my emails. There were many emails when the account was created. One of which was an emial verification that was never opened. If the email was never verified than why was an account even created?

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 2023-04-17 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: MO

Complaint narrative:
On ( XX/XX/ ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: TX

Complaint narrative:
My current mortgage company Rushmore Loan Magnagement Services failed to pay my home owners insurance. XXXX XXXX XXXX XXXX  has been my mortgage company for 25 years, since day one, has paid my homeowners insurance out of my escrow account, annually, then billed me in monthly payments to cover the escrow. XXXX XXXX XXXX XXXX  XXXX sold my mortgage to Rushmore then notified me via regular mail that the only change to my loan would be who I paid and where I sent the check every month. Other wise the mortgage would be IDENTICAL. My house caught fire XX/XX/2023 and burned 75 % of it. I reached out to Rushmore to obtain the company name and contact person at the insurance company. Only to find out the dropped my homeowners insurance and placed Lender placed insurance on my home and NEVER INFORMED ME OF THAT. Bow because of their actions I have lost my home and everything I owned, Their neglect will cost me XXXX XXXX dollars. I want this company to do what is right!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 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: IN

Complaint narrative:
On ( XXXX ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Pressler & Pressler, LLP
State: NY

Complaint narrative:
I was never served nor received any information about debt. Correspondence was sent to and older address I havent lived in over 7 years. Now my employer advised that I am going to have my wage garnished.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
I paid my statement balance of {$5000.00} in full via my bank bill pay. The balance was due on XXXX XX/XX/2023. My Bank, USAA Federal Savings Bank sent payment to arrive by XXXX XX/XX/2023. Marcus by Goldman Sachs, notified me that I had a late payment and therefore owed {$29.00} in late charges and {$78.00} in interest. I immediately confirmed payment was sent by my bank and called Goldman Sachs on XXXX XXXX. 

I was told by Goldman Sachs that there records indicate that I paid my statement balance in full on XXXX XXXX. I explained that I confirmed payment by my bank and asked for the late fee and interest be removed. The customer service representative removed all but {$21.00}. 

I have bill pay set up to pay the {$21.00} so not to incur any additional fees, but I am writing to complain that they are still charging me {$21.00} for a payment in full that was set up via bill pay to pay prior to the due date. I feel they are stealing {$21.00} from me and I don't have a recourse. I am asking they credit the {$21.00} for I should not owe any fees or interest for a payment paid in full. Attached is a copy of the payment from my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: AR

Complaint narrative:
I AM RECIEVING DEBT COLLECTIONS FROM A CREDIT CARD I NEVER HAD.

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 2023-04-17 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: MD

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 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: CO

Complaint narrative:
I have repeatedly had problems with Experian not listening to my concerns and requests to remove incorrect information regarding a XXXX XXXX  Account on my credit report. 

It was corrected by XXXX XXXX  XXXX. XXXX, and the other 2 Bureaus have removed this information correctly, Experian still refuses due to poor investigation into the matter, and no information provided. I have included the emails and XXXX XXXX  XXXX documents admitting and rectifying the mistake, with no assistance from Experian whatsoever. Please help. 

Report Number XXXX Date Generated XX/XX/2020 Your dispute results are currently not available online Our Experian Dispute Specialists are available to assist you. When calling, use Report # XXXX. 
Mon - Fri : XXXX to XXXX XXXX XXXX us : ( 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 2023-04-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Good Afternoon, I recently opened an account because of hearing good things about AMEX Gold cards. However what the package delivery stated it was delivered, I never received the package. I decided to call AMEX customer service to assist me, I ended up speaking with XXXX employee number XXXX over the phone at XXXX XXXX, he made the phone call uncomfortable and gave a condescending attitude. He was questioning me how could the package not be there as its my fault that I dont see it at the door, maybe someone couldve stole it. He made the whole situation argumentative and probably didnt cancel the card, if any charges are made on that card even when i reported it as not received, I shall not be liable for it. XXXX has awful customer service, and gave me a very first bad impression. 

Now I have an account under this carrier but have no card to use it, they are refusing to give me a replacement card, even when I told them i never received the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: IL

Complaint narrative:
On XX/XX/2023 I opened a US Business Bank Checking account with a promo to receive a {$400.00} bonus if the following terms were met : 1- Enroll in online banking, 2 - Make 5 debit card transactions, 3 - Total deposits of {$3000.00} within 30 days of account opening. As you can see in the attached screenshot, I was given confirmation on XX/XX/2023 I was enrolled in the bonus and had already enrolled in online banking. I then made 5 transactions, and deposited {$3000.00} as shown in the screenshots. 

A couple months later I followed up to ask when I would receive the bonus, since I had met at the terms. They informed me that I was not enrolled in the bonus, as the bonus expired on XX/XX/XXXX, and I signed up XX/XX/XXXX. This was not the case, as I signed up directly online, so if the bonus wasn't applicable, it should not have been showing. Also the agent should have never informed me I was enrolled in the bonus and on my way to meet the requirements. 

I am seeking payment of the {$400.00} bonus that is owed to me for meeting the terms of this sign up offer.

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 2023-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I have bene locked out of my Ally bank account at least 8 times over the past 4 months with 3 of the times happing over the past 30 days. It is not human error. In the past then Ally has fixed the issue I am locked out within 24 to 48 hours again. Today they could not even fix it so I can log on at all. I wanted to log on to check all my auto payments so I can migrate them to a new XXXX  account I opened, but I am unable to. Ally said it may be fixed tomorrow and I might have access then.

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 2023-04-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
They have been sent 3 letters and have not supplied any signed contract showing I owe this debt. They can not show a Contract with a wet signature from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One has been refusing to remove this illegal account from my consumer reports. Now they have sold this alleged debt to XXXX XXXX XXXX, yet Capital One continues to report this account as if they still own it. They have been illegally trying to collect on a debt that is no longer theirs.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 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: NY

Complaint narrative:
It has been more than 60 days since I sent a letter outlining inaccuracies and unknown entries on my credit report, but I have yet to receive a response. This lack of action and communication is unacceptable, as it feels like I am being taken advantage of and ignored. According to Section 611 ( a ), a failure to investigate such items within 30 days warrants immediate removal from my credit report. As it has now been well beyond that timeframe, these accounts must be deleted without delay. Failure to comply will result in legal action due to the undue stress caused by this situation. Moreover, my personal information was compromised in the Equifax data breach, which makes it all the more imperative that this situation is resolved quickly and effectively.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 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: NJ

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-04-17 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have a Truist Bank Mastercard, I had a balance as of XX/XX/XXXX of {$930.00}. I sent the payment via online banking program. The next day, I made a purchase with a company, for {$340.00}. The company credited me back {$170.00}. At this point by balance shouldve been {$170.00}, instead, the bank added my payment and the credit to the card balance totaling {$1200.00}. I called the bank and was told that my payment and the credit had not been processed. When I asked why were the payment and credit added to my balance, instead of subtracting it. I was told that it will take a 24 to 48 hours to be processed. I asked again why was it added instead of remaining {$930.00}. The ( gentleman ) stated, Is there anything else I can help you with. I stated you have not answered my question, why it was added to my balance. At that point I was told to have a nice day, and he hung up. 

I felt my account should have been {$170.00}, in that the online statement showed the payment and credit both pending.

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