vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I go on line Bank of America, Direct deposit savings account.sign in, give my online ID and pass code.Sign in security step enter the asked for tex.Continue to sign in.Verify identity. Enter Authorization code.Authorization code never given.To the right I click I never received my authorization code.It gives me a number to call to get the authorization code ( XXXX XXXX XXXX XXXX .I now live in the XXXX  this call cost me {$30.00} the minute there is a connection and goes up from their.I get a machine not a live person.Put on hold for 20 min.Then it drops me off. I have called Bank of America and worked with a person Named XXXX that told me that the process of getting the authorization code needed to be reset and that she would do that and the problem would be solved.Was not.Second person was XXXX who transferred me to another person named XXXX we spent quite some time on both the computer and phone.Said that she would reset the authorization code and that should fix the problem but that it would take 24hr. to 48hrs before it would take affect.48 hrs later on the phone and computer with XXXX  problem still there.Can not access my on line account.This mostly took place on XX/XX/2020 around XXXX until XXXX.Problem has not been fixed.Bank of America has in affect locked me out of my savings account and denying me access to my funds.All I get from these people that have tried to help me is that they do not know what to now do. They advise me to keep calling and hope that I eventually get someone that can fix the problem.

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 2020-10-30 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: CA

Complaint narrative:
Transunion is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

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 2020-10-30 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: CA

Complaint narrative:
i have sent Experian and XXXX, XXXX  XXXX more than enough supporting documents to block these fraudulent accounts that do not belong to me. i have sent them FTC reports and police reports regarding my identity theft and they have not removed these accounts. i do not know open these accounts but everything is attached to my complaint in my supporting documents.

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 2020-10-31 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: TN

Complaint narrative:
I have 3 mortgage hard inquiries on all three credit bureaus I didnt not authorized or have any knowledge of. As they should see, I have no open mortgage accounts. Also, I have 1 extra hard inquiries on equifax from a car dealership that I have no knowledge of. I have called the credit bureaus to dispute the hard inquiries but no 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 2020-10-31 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: TN

Complaint narrative:
I have 3 mortgage hard inquiries on all three credit bureaus I didnt not authorized or have any knowledge of. As they should see, I have no open mortgage accounts. Also, I have 1 extra hard inquiries on equifax from a car dealership that I have no knowledge of. I have called the credit bureaus to dispute the hard inquiries but no 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 2020-10-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: HI

Complaint narrative:
I am entitled to Forbearance under the CARES act. The attorney, XXXX XXXX at XXXX XXXX  XXXX submitted for a 12 month delay in foreclosure procedures on XX/XX/2020 to Carrington Mortgage Services. 
I have a copy of the letter I signed for submittal. 
However, XXXX XXXX XXXX, the attorney representing Carrington Mortgage in Hawaii, filed a motion for foreclosure and it stated that I had not applied for forbearance to the court. 

Unfortunately, my former attorney withdrew from my case after more than 2 years just before the trial. In addition he had not followed through with letter we had submitted for Forbearance to Carrington Mortgage. 
I filed a motion to let the judge know that the pretrial statement regarding my application for Forbearance was false. 
The judge did not respond to my motion for continuance to obtain new representation. 
The judge did not respond to the letter of Forbearance I submitted as evidence. 
She ruled for plaintiff. 
Everyone involved ignored my rights and offered no explanation. 
I want XXXX XXXX XXXX, XXXX XXXX  XXXX, Carrington Mortgage Services, and the judge to follow the law, not just the wealthy attorneys.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Four Directions Lending LLC
State: IN

Complaint narrative:
I had provided them with my personal information including my bank account information. As soon as I hit the submit button the website disappeared, I went to another tab and pulled the site back up, and tried to log into it. The login tab was nonfunctional, I attempted on two different computers. I called the number provided and I was refused access to the site and told that there was not an issue. I then told them I wanted my information deleted and that I wanted immediate confirmation. I was told it was sent but it would take a long time for the email to reach me since their emails too numerous. I have had to close out my bank account but I am still afraid that fraud will be committed since they have my social security number as well. everything that I was told on the phone was inaccurate as to the laws to protect consumers. I was previously a loan manager and how this company is handling my issue is alarming.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX  credit correction provided by XXXX XXXX. But, not reflected on my account by the three bureaus. 

XXXX  XXXX bank account manipulated and inaccurate with out proper verification based upon FTC guide line. Proof attached. 

Treasury account also updated and not reflected on my credit bureaus credit profile.

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 2020-10-31 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: GA

Complaint narrative:
XXXX XXXX, XXXX Original creditor : XXXX {$1700.00} XXXX  XXXX XXXX Original creditor : XXXX XXXX XXXX  {$430.00} There are no contracts, no valid claims ... account was settled with original creditor and has been confirmed, grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation

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 2020-10-31 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: TN

Complaint narrative:
I have 3 mortgage hard inquiries on all three credit bureaus I didnt not authorized or have any knowledge of. As they should see, I have no open mortgage accounts. Also, I have 1 extra hard inquiries on equifax from a car dealership that I have no knowledge of. I have called the credit bureaus to dispute the hard inquiries but no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX, XXXX Original creditor : XXXX {$1700.00} XXXX  XXXX XXXX Original creditor : XXXX XXXX XXXX  {$430.00} There are no contracts, no valid claims ... account was settled with original creditor and has been confirmed, grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature.

As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation

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 2020-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX provided by XXXX XXXX. But, not reflected on my account by the three bureaus. 

XXXX XXXX XXXX account manipulated and inaccurate with out proper verification based upon FTC guide line. Proof attached. 

Treasury account also updated and not reflected on my credit bureaus credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX provided by XXXX XXXX. But, not reflected on my account by the three bureaus. 

XXXX XXXX XXXX account manipulated and inaccurate with out proper verification based upon FTC guide line. Proof attached. 

Treasury account also updated and not reflected on my credit bureaus credit profile.

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 2020-10-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
I've made numerous attempts to communicate with Midland about this debt that supposedly belongs to me. I have never signed any legal documentation to pay midland credit or the company they say they represent. They have failed to supply that information. The only information that they have supplied is a copy of a statement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-31 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/2020 I sent a letter regarding inaccurate and unknown items on my consumer report. It has now been 30+ Days and I have not yet received a reply. I feel as if I'm being ignored and my issues are being disregarded. Section 611 ( a ), explains that failure to investigate disputed items within 30 days is cause for immediate deletion from the consumer report. I have been waiting patiently for a response, for more than the required timeframe. So, with that being said I am demanding that the items be deleted immediately. Their have been multiple violations committed during this ordeal which has me feeling as if I'm being taken advantage of. Ive also searched my name in the XX/XX/XXXX data breach system and learned that my info was compromised. PLEASE DELETE ALL DISPUTED ITEMS IMMEDIATELY.

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 2020-10-31 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: GA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown items on my consumer report. It has now been 30+ Days and I have not yet received a reply. I feel as if I'm being ignored and my issues are being disregarded. Section 611 ( a ), explains that failure to investigate disputed items within 30 days is cause for immediate deletion from the consumer report. I have been waiting patiently for a response, for more than the required timeframe. So, with that being said I am demanding that the items be deleted immediately. Their have been multiple violations committed during this ordeal which has me feeling as if I'm being taken advantage of. Ive also searched my name in the XXXX data breach system and learned that my info was compromised. PLEASE DELETE ALL DISPUTED ITEMS IMMEDIATELY.

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 2020-10-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: COAST PROFESSIONAL, INC.
State: AL

Complaint narrative:
I have been getting garnished since XX/XX/XXXX. Under the Cares Act, the garnishment was to stop XX/XX/XXXX & a refund should have been given if anything was garnished after that date. I was garnished on XX/XX/XXXX for {$400.00}, XX/XX/XXXX for {$160.00}, & XX/XX/XXXX for {$120.00} ... I was furloughed due to the pandemic on XX/XX/XXXX but was able to be hired back on XX/XX/XXXX. However, the garnishment was continued on XX/XX/XXXX for {$100.00}, XX/XX/XXXX for {$190.00}, on XX/XX/XXXX for {$160.00}, on XX/XX/XXXX for {$1000.00}, and XX/XX/XXXX for {$160.00}. Thats a total of {$2300.00} through the duration of the Cares Act & executive ordered extension. 
I made several unsuccessful attempts to contact the loan servicer, Coast Professional Inc., and filed a complaint on their website on XX/XX/XXXX & received a letter from them XXXX XXXX overnight on XX/XX/XXXX stating I was eligible for the garnishment hold under the Cares act and would be notifying my employer & would receive a refund of garnishments taken since XX/XX/XXXX. 
I spoke with my HR department today and finally received confirmation of the hold ( after I emailed them the letter I received ) but still unable to get any info on when Coastal or the Department of Education will or how they will issue the refund.

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 2020-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
Every deposit I've made has been held for " we have confidential information that this deposit wont be paid, and an 11 day hold will be placed on it. After going to the branch 3X in 1 day, I was told that the branch level had put no hold on it. Sure enough, the check was held. I called the 800 # and was told, it is the branch manager who did it. I went back, to have them help me, at which time the Manager verbally accosted me, never introducing himself, and after asking him to stop, and advising him I was there to see XXXX, he said, " oh well, I could have taken the hold off, but I'm not now! '' Using his access to my money as a vehicle for his retribution. 

I'm a new business owner, and Regions bank, XXXX GA has held me hostage, and will force me to close, while they punish me for being stupid enough to trust them. 

I called back the 800 number, and was told again that it was the branch manager 's decision. I will be writing an email, to XXXX XXXX, RVP XXXX XXXX USA, and his fellow C Suite , and copying all of the nasty people I've met at Regions Bank including XXXX XXXX, XXXX XXXX, and their manager tonight ( Friday ) and hope they enjoy this weekend, and their successful torture of me, and attempting to defraud me, for their own managers personal vendetta. This manager is a XXXXt XXXX, and I feel did this as a form of discrimination against 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 2020-10-31 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: IN

Complaint narrative:
Original account with XXXX  XXXX XXXX is not showing on my credit report. I begin this account with XXXX XXXX XXXX XX/XX/2016. When the contract was amended my original balance reporting to credit bureaus changed which I dont understand why that would have changed if I was only changing the payment to monthly instead of biweekly. In front of my original account number they added 1A and closed the original account, but failed to report the original data. Instead XXXX XXXX XXXX begin reporting the amended contract and stopped reporting the original contract.

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