vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-23 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:
On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
i never consented to authorize nor benefited from the following Accounts and Inquires, Block and delete them. If i have received goods and services from the furnished Accounts and Inquires, Let Transunion have one of their senior executive certify under the penalty of perjury that i did received good and service from those transactions.

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 2021-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Dear CFPB Representative, XXXX XX/XX/2021, I processed a XXXX transfer for $ XXXX to do a property rental reservation. Attached you may find the chain of emails related to the transaction. Similarly, attached is a copy of the Booking Form I received from the person I had email communications. 

The past XXXX XXXX, I filed a fraud complain through my bank ( Bank of America ), and I explained to them all the situation. I also told them that I have all the information to probe the fraud. Per my request, Bank of America informed to me that the money was transferred to an account in XXXX Bank, but they could not provide additional information. I informed them that if both banks do not do anything about this fraud, it looks that bank are participating as a legal tool to commit frauds in the US. 

I received the attached letter from Bank of America, see attached letter. It is not a final closure of the case, but it looks like a first step to get rid of the claim. The claim number is XXXX. 

I believe that if no body acts of this case, XXXX is becoming a legal tool to commit a fraud using legal institutions of the United State of America.

I appreciate all the assistance you may provide for this case. 

Sincerely Yours, XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX, XXXX 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 2021-12-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Maximus Federal Services, Inc.
State: VA

Complaint narrative:
I, XXXX XXXX, am submitting this complaint for myself and there is no third party involved. XXXX is reporting adverse information on my consumer report which they are not allowed to do so. They have no permissible purpose to report any information on my consumer report. XXXX stated that they are not a debt collector even though they attempted to collect a debt, and there is also no finance charge in this consumer credit transaction. Therefore, I am not required by law to pay on this alleged obligation. XXXX has also failed to provide all of the Information required by federal law to validate such debt that I had requested on XXXX XXXX, 2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I made a cash deposit on Citibank XXXX XXXX XXXX XXXX XXXX atm XXXX of {$1100.00} at XX/XX/XXXX XXXX XX/XX/XXXX, the money got jammed, I asked the manager to help, he made me call the It service, I did and opened the case # XXXX, they gave me 1 business day to fix that, on XX/XX/XXXX at XXXX I called again and they said would take 10 to 45 days to get that fixed, I went to the branch to speak to the manager again, he talked to me on a ironic way pretending that I put a quarter in the middle of the bills, since them Ive been treated like a thief, when I made my point : did you find the money, answer is yes, the amount is right? Yes, so why would I do that? Them they changed the tone of the conversation. 
The money was to pay the IRS payment which at this point have already returned Beside all the financial problems Im facing the situation that Ive been treated as thief or scam which no proofs

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 2021-12-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I paid my Capital One account in full on XX/XX/XXXX and was told there would be no late fee by the representative just before flying internationally to XXXX. I have been flying internationally for work the last few months and have not been home, much. When I did arrive home I found a letter from Capital One dated mid XXXX and it said my Frqud case had been resolved and no balance on my account was supplied with this letter. 

So, I took that as there is no balance on the account and everything is fine. Now, by email I am told there is a balance of {$55.00}. I am finding my account balance by cellular access, as Capital One website will not open for me in XXXX. See attached photo for proof that Capital One website is not working. My account has also been closed by Capital One and I am wondering if they are preventing me from accessing my account to finally close it, completely!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-23 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: MD

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. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I never applied for this account for XXXX XXXX. Can you please remove it it is fraud.

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 2021-12-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Transunion has lowered my score 5 times in the month of XX/XX/XXXX over XXXX points i understand credit scoring but not on a weekly basis to continually lower my score without any changes to cause the score going down weekly. there are notations on my account about unathorized inquries. I am being discriminated against because i have filed complaints against them before based on eronius info put in my reports. I wnat this to stop!!!

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 2021-12-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
I have tried to call the Ally bank multiple times to see what is causing the lease buyout from being completed. The money was already accepted by Ally Bank on XX/XX/XXXX and the title has already been transferred. I have never once received a call back from a supervisor or when requesting a call back from them. If they have called they've never left a voicemail so I know it's even them calling. I filed a XXXX complaint to try and get some attention to my situation and still nothing. They have now reported to the credit agencies that my account is past due even though they have the money for the buyout and the title has already been transferred.

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 2021-12-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
Phoenix Financial Services is reporting a debt not owed by me for medical debt. I havent been to, seen, or been associated with any kind of medical location ( hospital, clinic, etc ) in the time frame being reported. Originally reported XX/XX/2021, disputed twice through credit bureaus, since company is unable to provide any information related to the original merchant ( account number, name of vendor, date of visit, etc ) was removed but Phoenix placed back on file XX/XX/2021. 

Since the company has been unable to provide any details about the supposed debt owed and continues to put debt on credit file, filing complaint to have government agency review collection agency and its malicious tactics of trying to collect fraudulent debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: NJ

Complaint narrative:
After the death of my husband I tried to make a modification on my house mortgage. 
they asked for documents and I sent them by fax, then they sent me a letter saying wait for 30 days. 
I called because no answer, then send me an application to put another person as collateral and I did it after that I do not have any response... new application packages got en the mail ; application I had already filled before, even so I filled them and sent them.. 
then nothing at all then the pandemic came and now they just send me a letter from a lawyer to start a foreclosure? 
this company is not serious and I feel I have been discriminated against and they want my house even though I send documents showing that I am able to make a MODIFICATION and pay the mortgage.

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 2021-12-23 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, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX & XXXX Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Title Clearing, Inc.
State: MI

Complaint narrative:
Complaint against Nationwide Title Clearing and its robo- signers Notary XXXX XXXX and XXXX XXXX and Demand for Verification of " Notary XXXX '' and " XXXX XXXX XXXX signatures and personal meeting with her, XXXX XXXX and their supervisors. 

I found numerous Assignments of Mortgages and other documents in different States with absolutely identical stamped signature of " Notary XXXX XXXX ''. 

I have reasonable doubts that XXXX did not attached these signatures; did not authorized use of her electronic signatures ; and does not know who use these signatures. 

In other words, my Assignment is a text book forgery. Moreover, I have doubts if " Notary XXXX is a real person who is employed by NTC and who Notarize these assignments. 

Under Uniform Electronic Transactions Act ( UETA ) I have right to demand a letter of Authorization and Acknowledgements from Notary XXXX and XXXX XXXX that they personally prepared attached Assignment and disclose the name of the authorized officer from my Creditor who instructed them to prepare this Assignment.. 

UETA includes provisions regarding the authentication of electronic signatures, and defines an electronic signature as an electronic sound, symbol or process attached to or logically associated with a record and executed or adopted by a person with the intent to sign the record when a dispute arises regarding whether a signor 's electronic signature is authentic, I demand Notary XXXX and XXXX XXXX provide me their wet-ink signed Affidavits, and schedule a phone conversation with XXXX XXXX and XXXX XXXX to discuss based on which documents they prepared Assignment of Mortgage to XXXX who has no idea who is the owner of my alleged debt and can not tell me whom they servicing all this time. 


I also demand a personal meeting Notary XXXX and XXXX XXXX in their office, where they can show me documents based on which authority XXXX XXXX acted as XXXX Vice Presdient and transferred alleged " Mortgage with XXXX '' to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: MI

Complaint narrative:
There are 2 pending charges that are on my account and the merchant that the pending charges are associated ( XXXX ) has not record of these pending transactions. There is no reason for the bank to hold over 1/3 of my monthly income for no reason. 

When calling direct Express I was told that if a new card was issued ( for a {$13.00} charge ) then the balance would be transferred to the new card and the pending charges would dissappear. Once the new card arrived rather than finally being able to pay my rent just 2 days before XXXX, I found a $ XXXX balance and still XXXX phantom charges. I do not feel like I should be responsible for a fee because of wrong information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: AZ

Complaint narrative:
I originally spoke to XXXX XXXX from PNC on XX/XX/XXXX regarding my PPP forgiveness. She indicated that were missing a document from when the loan was granted which made zero sense to me. She tried to tell me that the SBA changed the guidelines and that if I didn't give them additional documentation my forgiveness amount would be lowered. I argued with her because I don't understand how nothing changes in my business, I had the first round at the same dollar amount as the second draw but now I don't qualify. I emailed her the document. She never confirmed receipt. I had to follow up with her on the XX/XX/XXXX to make sure she had the document she needed. She indicated that " You are good to go for forgiveness ''. To me that means my application had been approved. I continued to call the PPP department for updates. 

After speaking to XXXX on XX/XX/XXXX I applied for PPP loan forgiveness. I've called two times to check the status of the loan forgiveness and was told the loan was in underwriting. On XX/XX/XXXX to again check the status of my forgiveness application. At that time the gentleman indicated that my application had been moved on to underwriting but now it shows it was out of the underwriting cue and that it's just sitting there. He indicated that he needed to set up an appointment with me to speak to a PPP specialist. This morning, I was contacted by XXXX XXXX who indicated she can't help me, she is in the wrong department. She just helps with documents needed for the foregiveness process. She also said that it appeared I did not apply for the forgiveness loan. She said she will reach out to her manager to see what she can do but doesn't know how long it's going to take for someone to get back to me. 

I have an emailed from PNC dated XX/XX/XXXX with a confirmation indicating I had applied for forgiveness along with a confirmation number. This email also stated they will submit my forgiveness application to the SBA no later than 60 days after receiving a completed application. Their time is quickly approaching.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 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 — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Bank : TD Bank Fraudulent charges due to stolen credit card information. 
I reached out to TD Bank back on XX/XX/XXXX in regards to several charges that were obviously fraudulent. The charges are listed below : XX/XX/XXXX XXXX XXXX XXXX NY {$25.00} XX/XX/XXXX XXXX XXXX XXXX XXXX CA {$44.00} XX/XX/XXXX XXXX XXXX XXXX WA {$210.00} XX/XX/XXXX XXXX XXXX XXXX WA {$140.00} XX/XX/XXXX XXXX XXXX XXXX XXXX NY {$180.00} XX/XX/XXXX XXXX XXXX XXXX XXXX NY {$110.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NY {$2.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NY {$3.00} XX/XX/XXXX XXXX XXXX XXXX NY {$66.00} The charges XXXX and after have been reimbursed but the ones before that have been denied. The bank is not being helpful and any attempts to reach out to the disputes department have been futile. 

I am also attaching an image of my XXXX transaction showing that there is no {$25.00} charge on XX/XX/XXXX when my information was stolen and used. 

I am extremely livid and would appreciate any help from CFPB because my bank is unresponsive.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-23 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: TX

Complaint narrative:
I have been trying to fix this inaccurate information for ONE YEAR and still report wrong. I last sent a dispute on XXXX and nothing was verified or updated. I didnt receive any information from them about my dispute status or how this information is actually accurate. My father 's name is the same as mine and this credit file has merged. Please help me get these consumer reporting agencies to fix this FALSE information on my credit. I can't even get them to respond within the 30 days.

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 2021-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc.
State: NY

Complaint narrative:
I got a notification from the credit monitoring app that I am using. This agency is being reported just this month XX/XX/2021. This is the first time I heard about this company. I am not familiar with the name of the agency or with the balance. What is expected is for me to receive notification first from the agency about any account that will reflect and affect my credit file. This account had a big impact on my credit score and it is so sad that I havent heard about this account. I was not given any proof of this account. I am worried that my personal information is compromised because of this notification. The reason I am filling a CFPB complaint case. Section 609 of the FCRA states that the agency is required to send me the original paperwork that verifies this account otherwise, this is false information. I need this account removed from my credit report.

Company response to consumer: Closed with explanation