vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-11 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I've been waiting for my EDD Bank of America card for 8 days now it got sent off XX/XX/XXXX it takes 7 to 10 business days through priority mail UPS I've called the bank to have money transfer to my own bank account XXXX XXXX verify myself to the bank through EDD reps etc etc I keep going to run around and yet still have no bank card and they won't provide me a tracking number to find out where my bank card is they won't give me any kind of information Bank of America due to where my card is they keep asking me to verify myself just to send myself XXXX XXXX and they will not let me transfer any kind of my money to my own checking or saving account and it's been going on for about a week now and I still have not received my bank card

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 2021-09-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I.c. System, Inc Claims to now own a reported debt for cable T. V. 

I've never had cable T. V. 
I did have internet account in which I requested To Close Account for 4 months due to the wires being faulty and landlord / management refused to pay. Owner just passed from XXXX and HOA claims no liability. My kids were in on line school, I am XXXX from XXXX and XXXX  XXXX. We had to move. Began in XX/XX/XXXX till XX/XX/XXXX. Equipment had been returned, technicians confirmed and verified no service on interior lines since XX/XX/XXXX. Called repeatedly threatening me to block all source of internet companies and I would be arrested because my kids could not go to school. Their name is XXXX XXXX XXXX XXXX Every so often apologizing and clearing the erroneous amount due after they failed to close account. A month later a new person would call and the entire thing would start again. Did not hear from them after I was told no long amount in dispute. Over 1 year. Suddenly this appears and ic begins to harass me as if I am unable to know what I owe and how to manage. Suggesting my 'disability has handicapped my brain, maybe someone else should pay debts do I do not cause more damage '. All I can say is ignorant! Please help me to prevent companies from this unprofessional behavior. After explaining they could just act rational and not negatively effect my disorder with needless stress they began to capitalize on that exact point Over and over again. I hope they kept the recorded calls to be heard. Shameful! 
If you would please help with a written guideline for me to resolve successfully. Thank you. The Mark on my credit effects my kids college loans. And all 4 kids want to go. # 2 is applying now. Hence my noticing prior to another student loan. I do not have any late payments and several accounts are not reported at all. Happy day to you. 
XXXX XXXX XXXX XXXX have never received any document from the I.c. System, Inc.

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 2021-09-11 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: TX

Complaint narrative:
Sent identity theft report but they said they havent received I disputed multiple inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit 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 2021-09-11 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: TX

Complaint narrative:
Sent identity theft report but they said they havent received I disputed multiple inquiries

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 2021-09-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I have been going through a refinance with a VA loan since XX/XX/2021, with various challenges along the way. This is the second complaint submitted to CFPB on the same loan with Truist. While the first complaint was only partially addressed, some items are of concern that will occur to future Truist mortgage customers if not addressed. After 9 months of processing, this second complaint was not addressed with multiple attempts via email when I requested the policies of Truist data acquisition and verification processes. 

Truist 's negligence in processing the loan resulted in inspections and various data points being collected expiring, requiring additional processing time. Truist loan officers implied VA process requirements increased the processing time when it was clear the delays were internal Truist processing with their underwriting office. When asked to see their policies that govern their procedures and requirements to verify information, Truist 's processing department managers ignored the request. They went on to question the integrity of the information provided. Truist processing managers went on to say their underwriting department claimed it was the VA requirements that resulted in the verification of details without confirmation of any policies or procedures that required the additional steps taken. 

Truist 's lack of transparency and accountability across departments created angst and delays in the loan, costing me thousands of dollars in paying interest on the current loan based on their processing delays while also implying fault with the VA requirements. 

Truist then made assumptions and made assurances in the paperwork to expedite closing to increase interest payments when the REFI was processed even after they were questioned. The responsible parties in the processing department did not address concerns until I refused to sign additional paperwork. The status of the loan is still unresolved.

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 2021-09-11 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: PA

Complaint narrative:
I, XXXX, XXXX in natural person, creditor, and consumer status MAKE OATH AND SAY THAT : I am providing this statement pursuant to 15 U.S. Code 1692a ( 3 ) consumer means any natural person obligated or allegedly obligated to pay any debt. Also pursuant to 15 U.S. Code 1681c-2 Block of information resulting from identity theft sent to, XXXX XX/XX/XXXX. REASONS : Pursuant to 15 U.S. Code 1681 ( a ) ( 1 ) ( 3 ) ( 4 ) The Congress found that inaccurate credit reports directly impairs the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ; The Congress has stated that you, are a scam pursuant to 15 U.S. Code 1681 ( 2 ) which states : An elaborate mechanism has been developed for investigating and evaluating consumer credit worthiness, credit standing, credit capacity, character, and general reputation of consumers ; The Congress has also stated that you are assuming a vital role in assembling and evaluating consumer credit Pursuant to 15 U.S. Code 1681 ( 3 ). Therefor youre only making pretend youre important or have a vital role without any proof ; Furthermore, The Congress has stated Pursuant to 15 U.S. Code 1681 ( 4 ) that there is a need to insure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to privacy. By you reporting inaccurate information without my written consent first, you are violating my right to privacy which is in direct violation of this law and The Privacy Act of 1974 ; Notice that Pursuant to 15 U.S. Code 1681 ( b ) The Congress requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, and other information in a manner which is fair and equitable to the consumer with regard to the confidentiality, accuracy, relevancy and proper utilization of such information. You, are not meeting my needs as a consumer or being fair and equitable by reporting inaccuracies on my consumer file ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11 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: GA

Complaint narrative:
On XX/XX/2021, i sent a letter to the consumer reporting agency regarding some inaccurate and unknown items on my credit report. Today XX/XX/2021, i am still waiting for a response. I have not received any type of acknowledgment or a response regarding this issue. It is been over 40 days now and these items are not still being investigated and it is irritating. I believe if the consumer report agencies are all ignoring me, the items that i am disputing should be deleted promptly because it has been so long. In addition, the law of section 611 ( a ) it states that a failure to investigate a consumer 's items within 30 days gives a reason to immediately remove those items previously disputed from my credit report. 
I demand these accounts be deleted immediately. In addition, my information was also impacted by the equifax data breach and may have got stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11 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: NY

Complaint narrative:
I contacted XXXX, Experian, and XXXX XXXX several times about fraudulent activity on my account. I sent my XXXX  drivers license and passport serveral times and can not get my reports.

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 2021-09-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: AZ

Complaint narrative:
I am having a problem with my XXXX XXXX XXXX LoanCare. I recently successfully completed chapter XXXX bankruptcy. I have made all of my payments and my loan servicing place is harassing me daily telling me i havent paid. I have bank statements and proof of all payments. I have spoken with 3 separate phone reps and 1 manager. All wgo have supposedly identified the problem ON THIER PART and promised to submit this and that to correct the issue only to never have anything fixed. I last spoke with the manager one week ago on Friday. Today I was notified from my credit reporting agency that they have reported me as over 30 days delinquent on my payments. I have contacted my chapter XXXX bankruptcy attorneyAnd I'm filing a formal complaint with you guys.

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 2021-09-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: TN

Complaint narrative:
Continued daily robo calls all day and evening calls registering different numbers from different states. Debt was settled and paid to creditor XXXX XXXX XXXX but daily harassing calls will not stop to my cell number XXXX. Calls show up from different states and numbers but when answered its always a bot calling from same company. Numbers listed were XX/XX/XXXX XXXX WI, XXXX Long Beach CA, XXXX, XXXX XXXX CA XXXX many daily numbers from same company to list. I am considering changing or dropping my cell number and phone altogether due to harassment. XXXX was paid in full XXXX XXXX XXXX and paid in full but daily Robo calls will not stop. Company may be upset because I dropped service and switched recently to XXXX  due to bad service and dislike XXXX as I explained to a Rep when I contacted them directly to report this and pay any outstanding valence on XX/XX/XXXX Please do not publish my direct cell number to any public boards that can be viewed by anyone other then the ones who resolve these issues.

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 2021-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Im a victim of identity theft and fraud. I have notified the creditors/agencies several times that the accounts & inquiries are fraudulent & do not belong to me. I have not in any way received goods or services from these companies. I have provided the proper authorities my FTC ID THEFT AFFIDAVIT with a sworn statement regarding the fraudulent accounts and inquiries. The documents have been submitted to all credit bureaus as well. Again, I was not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 
Therefore these items must be deleted immediately. 
The FTC report ID number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Im a victim of identity theft and fraud. I have notified the creditors/agencies several times that the accounts & inquiries are fraudulent & do not belong to me. I have not in any way received goods or services from these companies. I have provided the proper authorities my FTC ID THEFT AFFIDAVIT with a sworn statement regarding the fraudulent accounts and inquiries. The documents have been submitted to all credit bureaus as well. Again, I was not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 
Therefore these items must be deleted immediately. 
The FTC report ID number is 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 2021-09-11 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: NY

Complaint narrative:
I contacted XXXX, XXXX, and Trans Union several times about fraudulent activity on my account. I sent my XXXX drivers license and passport serveral times and can not get my reports.

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 2021-09-11 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: NY

Complaint narrative:
I contacted Equifax, XXXX, and XXXX XXXX several times about fraudulent activity on my account. I sent my XXXX drivers license and passport serveral times and can not get my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I applied with Chase to refinance my current mortgage loan. We came to point where I was told that my loan has been conditionally approved, and that I will have to provide additional documentations. Also I was told that they need to have my property appraised. earlier I was asked to pay {$500.00} as earnest money, which to my is understanding will be added to whatever charges to be included to my loan. 

About a day after, I received a better offer from another company. Hence, I immediately contacted my Chase Loan Advisor and Client Care Specialist that I have decided to decline Chase 's offer. Chase even offered to possibly match, if not beat the other company 's term. 

Later I emailed my Chase Loan Advisor to inquire about my {$500.00} deposit and I was told that since I was the one withdrawing, my {$500.00} is not refundable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-11 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Advance America, Cash Advance Centers, Inc.
State: FL

Complaint narrative:
ADVANCE AMERICA LOAN NO. XXXX On XX/XX/XXXX I made a full payment in the amount of {$1000.00} with my XXXX Debit card. Payment was accepted. Two days later, I went to the local office to take out another loan and to my surprise, my account did not reflect the payment I made on line. I called customer service and explain the problem in detail, the agent informed me that she would forward the problem to her IT department to investigate what happen to my debit card payment and someone would call me back with the answer. NO ONE CALLED ME. Also keep in mind that I sent to messages via Adv. Amer. website and to this date no one has replied. I called on Tuesday morning and was told by a second agent that the payment failed and was not processed. I was very upset but at least had the answer so this time I used my XXXX checking account to make the payment which was now over {$1100.00} ( paid additional interest for Adv. Ame. XXXX UP ) The money was taken from my XXXX account the same night XX/XX/XXXX and the Adv. America shows XXXX balance. 
Today XX/XX/XXXX I went to take out another loan and was told that the " payment was still in process '' and I had to wait 3-5 days to be able to borrow again. I was never given the opportunity to call XXXX to confirm that Adv. American had been paid. I made a third call and this time I spoke to a supervisor and she did not do anything to resolve this issue and refuse to do anything about the additional interest I had to pay through no fault of mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc.
State: PA

Complaint narrative:
Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your offices can provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Ok so bank of America won't credit the money that someone had blatently used on my XXXX card I have tried to XXXX it twice this isant like 20 bucks it's almost XXXX rollers I have a police report as well that I sent them so I feel like they just pick and choose who they want to 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