vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX XX/XX/2022 XXXX XXXX XXXX Assistance Department XXXX XXXX XXXX, XXXX XXXX XXXX ON XXXX XXXX To whom in may concern : Please remove the extended Fraud Alert on my credit report. I do not want it. To verify my identity and address, Im including a copy of my drivers license, social security card and a recent bank statement. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
This is actually a recurrence/continuation of Complaint IDs XXXX and XXXX. For some reason, BMO Harris has the number for my work landline ( which is a corporate phone number not in any way associated with a particular individual ). BMO Harris has repeated called this corporate land line number trying to collect debt erroneously associated with it. After the first 2 CFPB complaints, it appears BMO Harris sold the debt to other collectors, who now associate the debt with this phone number. 

I have repeatedly attempted to contact the phone number in the complaint response for Complaint ID XXXX ( XXXX, XXXX XXXX XXXX with no answer or response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: First Technology Federal Credit Union
State: CA

Complaint narrative:
Since XXXX, XXXX I have tried to received my bank statements unsuccessfully! 

For thirteen plus months, I would call to have a representative assist me in there attempt of resolving the problem! 

Each representative believed the problem was addressed and solved! The cause/fix only resulted in failure after failure! 

I have either used the phone or virtual appointments to resolve this huge unacceptable situation that the bank has no interest in resolving for a member who has been since XXXX! I have requested a supervisor or manager to return my call which they Never have! 

I don't know what else I can do! I am in need of your assistance to resolve a issue why a Institute will not allow a member to have access to my financial accounts please! 

I would greatly appreciate your assistance in helping the credit union to take insterest in allowing access to All my banking needs by providing my accounting records. 

Thank You I have money directly deposited and have access to my banking needs through ATM only! No in person banking in my area!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into 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 2022-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
On XX/XX/ 2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into 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 2022-03-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WV

Complaint narrative:
I accepted a job offer from an investment firm that seemed completely legitimate. Now, here I am almost {$10000.00} negative in my bank account. The company had me transfer XXXX from a savings account through XXXX XXXX XXXX that they called a corporate savings account in my name to my bank of america checking account. This was on XX/XX/XXXX. On XX/XX/XXXX, the amount showed as posted into my account and I then used the money to purchase bitcoin for what I thought was clients for this investment firm. Then on XX/XX/XXXX, I logged into the banking account and they had taken that original transfer back out after stating that it was available for use and after I had I used it. The company was working under the name XXXX XXXX XXXX XXXX Now, the website is closed and the email goes no where and I can not get a response from them. Clearly, I was scammed. I need 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 2022-03-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Chime Financial Inc
State: SC

Complaint narrative:
I have had my identity stolen. This started on XX/XX/2022 and have closed all the accounts except a chime account that was opened fraudulently. The only way to contact chime is through a customer service email address.On XX/XX/XXXX I sent a email to the fraud email they have on their website and have not received any response. I will not be held reliable for any losses. I have XXXX and they can not even help to close it. Chime is a not a legitimate business.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have reached out to Experian, XXXX, and XXXX and they are have not responded within the 30 days reply period regarding the inaccurate information being reported on my credit report below : XXXX XXXX XXXX XXXX XXXX, MD XXXX Under the Fair Credit Reporting Act, a credit reporting agency has to review and respond to every dispute it receives within 30 days. To date, I have not yet received a response from any of the companies. Under the law, if the credit reporting agency fails to respond in 30 days, they must remove the inaccurate information. If they fail to do so, they are violating my rights under the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: 21ST MORTGAGE CORP.
State: CA

Complaint narrative:
During the pandemic I had fallen behind on my space rent with XXXX XXXX  XXXX XXXX XXXX XXXX. I was current on my mortgage with 21st Mortgage Co. Around XXXX of XXXX when trying to communicate with my park managers regarding payment, I learned that 21st had paid my past due rent on my behalf per a security agreement I made with XXXX  although at the time I had a pending application with XXXX XXXX XXXX  for rental assistance. Despite my efforts to speed up the process of my application and efforts in communicating this with 21st and XXXX, 21st had then refused to wait on the processing of my XXXX XXXX XXXX application and continued to pay on my behalf. 21st then refused to allow me to pay on my mortgage loan unless I paid in full payment what they paid to XXXX  on my behalf. Their action then caused me to fall in Default with my mortgage. Due to the action of both 21st and XXXX, XXXXXXXX XXXX XXXXXXXX did not pay the full amount I requested. Because 21st paid my past due rent, XXXX refused to say that I owe any past due rent which is why XXXX XXXX XXXX did not pay. I still owe {XXXX} of past due rent. Also because 21st refused to take my mortgage payments I now owe an additional {XXXX}. Totaling {XXXX}. On or around XX/XX/XXXX, my home was to be sold at private sale. I was told by 21st that I could reinstate my home by paying {XXXX}. I made a payment of {XXXX} via XXXX XXXX around XX/XX/XXXX, the payment was accepted but later returned. I refused to take the payment back so 21st again accepted the payment and again returned it. I still refused to cash the check they sent to me so they finally accepted the payment. 21st sold my home at private sale to themselves, leaving me with nothing to survive on. They are now trying to evict me from my home that Ive owned for over 20yrs. My home that I raised my XXXX XXXX  daughter in, my home that I am raising my XXXXXXXX XXXX daughter in, my home that I put over 20yrs of hard earned work for. If I lose my home not only will I have lost hundreds of thousands of hard earned money but both my XXXXXXXX XXXX daughter & I will be XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
this collection was removed and then added back to my report which is illegal to do so. Ive already disputed this debt as not mine and should be taken into consideration and removed from my report!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 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: TX

Complaint narrative:
I'VE REACHED OUT TO THIS COMPANY ABOUT THESE ACCOUNTS REPORTING ON MY FILE. ADVISED THEM THAT IT DIDN'T BELONG TO ME AND i CONTINUE TO DISPUTE AS THIS HAS DISRUPTED MY LIFE. NOW I WILL TAKE DIFFERENT APPROACH WITH THIS AND NOW THESE COMPANIES ACCORDING TO THE FCRA FDCPA THEY ARE IN VIOLATION FOR INACCURATE REPORTING ... .PLEASE SEE ATTACHED PRINT OUT OF MY CREDIT REPORT AND THE VIOLATIONS THAT ARE CIRCLED. THIS IS CONSIDERED AGGRAVATED IDENTITY THEFT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: OH

Complaint narrative:
this is for loan # XXXX with Freedom mortgage. have not updated it in nearly 5 years, since my XXXX due to having lost nearly all ability to type. have had many experiences since then, too numerous to list. my name is XXXX XXXX and i can be reachedXXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have purchased an official bank check from Citibank on XX/XX/21. The check was stolen and someone forged their bank check. The bank check was payable to XXXX in the amount of {$41000.00}. Someone forged the check and changed the payable name to an individual name. It takes Citibank 90 days to investigate this claim. I have received a response from Citibank by the end of last month. The recovery amount is {$31000.00}. This is not acceptable. Someone forged the check, not me. It's loss Citibank are supposed to absorb. Citibank are responsible for making sure consumers are protected. The fraud was committed against them. They should have had a system to ensure their bank checks are paid to only the payees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 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: CA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 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: MI

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synter Resource Group, LLC.
State: KS

Complaint narrative:
For years, I have attempted to work with XXXX to resolve claims pertaining to account XXXX. This account has been closed for years, and I continue to receive phone calls, emails, and invoices for services I did not authorize or benefit from. 

Most recently, Synter Resource Group sent an email dated XXXX XXXX, XXXX, claiming {$49.00} on invoices dated XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. The reference number for this case with Synter Resource Group is XXXX. This email is attached. I can not reply within thirty days of the invoice date because I only receive bills ( that I do not owe ) months after they are due. 

The only account I use is XXXX. Proof this is also attached. This is only shipping account I use with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 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: CA

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have reached out to XXXX, XXXX, and TransUnion and they are have not responded within the 30 days reply period regarding the inaccurate information being reported on my credit report below : XXXX XXXX XXXX XXXX XXXX, MD XXXX Under the Fair Credit Reporting Act, a credit reporting agency has to review and respond to every dispute it receives within 30 days. To date, I have not yet received a response from any of the companies. Under the law, if the credit reporting agency fails to respond in 30 days, they must remove the inaccurate information. If they fail to do so, they are violating my rights under the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have reached out to XXXX, Equifax, and XXXX and they are have not responded within the 30 days reply period regarding the inaccurate information being reported on my credit report below : XXXX XXXX XXXX XXXX XXXX, MD XXXX Under the Fair Credit Reporting Act, a credit reporting agency has to review and respond to every dispute it receives within 30 days. To date, I have not yet received a response from any of the companies. Under the law, if the credit reporting agency fails to respond in 30 days, they must remove the inaccurate information. If they fail to do so, they are violating my rights under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-28 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Solomon and Solomon, P.C.
State: NY

Complaint narrative:
I utilized a PR person XXXX XXXX XX/XX/18 and he did not full fill services on contract and thus we canceled the work. He then hired a debt collection firm, XXXX XXXX Solomon of Solomon and Solomon, whom filed a lawsuit but never notified or me nor served me papers in regards. I never even received anything from the court itself. Since then they have been sending threatening information subpoenas to my clients and banks positioning themselves as the State Of NY Supreme Court. These tactics are completely sneaky and underhanded.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief