vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WAKEFIELD & ASSOCIATES, INC.
State: NC

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Phoenix Financial Services LLC
State: NC

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Superior court of California County o XXXX XXXX case # XXXX  XXXX Stated That Based in testimonies of both parties Bank Of Amrica visa Credit Car ending in XXXX which belongs to XXXX XXXX and my name XXXX XXXX was later Added, Was used post separation, Superior Court find out that the debt then in the amount of {$21000.00} ( Now even higher for interest charge ) belongs to my ex-wife and I am not to be responsible for the said debt.

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 2021-02-16 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: OH

Complaint narrative:
I am filing this complaint on my own as a federally protected consumer. I AM NOT WORKING WITH A CREDIT REPAIR COMPANY. I have attempted to reach out to Equifax several times regarding this and have not been able to obtain cooperation. 

Pursuant to 15 USC 1681B Permissible purposes of consumer reports ( a ) In General Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to who it relates : I HAVE NEVER given written instruction to Equifax to furnish ANY information on my credit report. No consent is identity theft. I have attached a copy of the law with this complaint. Because XXXX is currently in violation of no less than two federally regulated laws, I AM DEMANDING IMMEDIATE DELETION OF THE FOLLOWING ACCOUNTS : XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX of XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX did run my credit four times. According to the document I signed. It was supposed to be one credit run in Transunion however, they did run my credit four times causing my credit to decreased almost 40 points. Now I cant close on my mortgage. 
I did mail them letter but haven't heard from them. Hopefully you guys can help me with this situation. 
This is their address ; XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR 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 2021-02-16 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: AL

Complaint narrative:
I have disputed this account several times with Equifax. It is still not fixed. The account with XXXX on my credit report is PAID. However, the account payment status is not reporting as PAID. The account payment status is still reporting as derogatory. The comments states paid, but this is not sufficient. The account payment status needs to be updated. The company, XXXX, has advised me that they reported to Equifax that the status is paid. All other credit bureaus are reporting the status as paid. Equifax is the only credit bureau not reporting the status correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: ME

Complaint narrative:
We had a mortgage with PMI. We were paying on principle to build credit and get rid of the PMI. It was supposed to come off fall of 'XXXX  and it did not. We kept paying for it another approx. 17 months even though we didn't need to before they removed it.

I tried to call the bank multiple times and would be connected to various extension before eventually being hung up on. I recently explained this to a mortgage officer are we are in the process of refinancing our home and he directed me to your www site. 

Thanks you for listening!

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 2021-02-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I am writing today in regards to my account with Syncb/amazon account # XXXX the reason for me writing in is because I have 2 lates reporting 1 in XX/XX/2020 and XXXX in XX/XX/2020. I have been impacted by the natural disaster declared by FEMA, Covid which has impacted me has effected my ability to make those payments. As soon as I was able to I got those payments made.

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 2021-02-16 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: NC

Complaint narrative:
After checking XXXX XXXX on XX/XX/21 to see both my XXXX and Equifax credit scores, I saw that I had a XXXX and XXXX respectively. As such, I applied to XXXX XXXXXXXX XXXX ( XXXX ) for a credit card. I was immediately rejected which seemed odd to me given my scores. When I got the letter from XXXX explaining the decision, I saw that Equifax had reported my score to them as XXXX -- an almost 80 point discrepancy to what they had reported to XXXX XXXX. As such, I attempted to call Equifax to figure out the reasoning and file a dispute if necessary as provided under the Fair Credit Reporting Act ( FCRA ). After finally speaking to an agent, I was told that Equifax could not verify my identity and to try the process online. I requested to speak to a supervisor as the online verification system would be the same as the phone system. The representative repeatedly refused and told me I could only go through the online process. Sure enough, the online process also could not be completed. I have currently been on hold for 30 minutes attempting to speak with a supervisor to try to find an alternative way to verify my identity. I am unsure as how to proceed at this point as I have no way to correct any information that could be causing this problem nor any way to file a dispute, both of which are violations of the FCRA. Additionally, the information I provided to Equifax was the same information I provided to XXXX. I am unsure as to why Equifax is able to verify my personal information to share with a corporation but unable to verify my identity when provided the same information by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 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: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I misplaced or lost my Card Credit credit card. I called Care Credit and told them this, they said they would send out a new card. However, they did send a new card out but only to find out that they closed my whole account out and opened a whole new account and reported this to all of my credit bureaus. This cause my credit score to decrease. I called Synchrony Bank and explained what they did and how it effected my credit score and they told me they would fix it. Today, I received a letter stating that there was nothing they could and sometime credit scores are impacted. I have never in 30 some years had a lost card, and then have my whole account shut down and a new one opened and it then be reported to my credit bureaus. I have always just had a new card sent to me. Synchrony Bank is doing allot of things that I have never seen or done before. I really think someone needs to be looking over there work. I had a past issues with Synchrony Bank giving me line of credit, then going back and reducing it so I would have to pay an over the limit charge too.

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 2021-02-16 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: GA

Complaint narrative:
I am writing to dispute the accounts referenced above. I have been a victim of identity theft, accounts that I didn't open has been posted in my credit report, I haven contacted the creditors myself and have been unable to get them to verify that this is indeed my debt. I have asked them to validate these accounts. This accounts are not mine and I was given no evidence of them been mine, I urge you to remove these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The incident happened today XXXX/XXXX/2021. I tried to file a dispute with Experian and was given a hard time. They refused to provide a dispute number and when pressed about it, they disconnected the call. 
My Dispute that i tried to submit to Experian was about XXXX  : due date, amount due, total loan amt, lender, type of loan, and monthly payment amt. 
XXXX  is not providing correct information to credit reporting agencies and is messing up my credit score. Experian did not appear to want to file a dispute and refused to give a dispute number. There was another line item dispute for charity services that was then reported as debt. I do not know weather that was disputed either.

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 2021-02-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SOUTHSTATE BANK CORPORATION
State: MD

Complaint narrative:
I am XXXX  impaired and asked for a coupon booklet with South State Bank Loan no. XXXX. They said when I refinanced my investment property I stated that I did not want a booklet. I said I was never asked that nor did I respond that I did not want one. I told her it is hard for me to pay on line when my XXXX  gets XXXX  and could the bank give me a reasonable accomodation. I called customer service and spoke to two representatives twice and also to two supervisors and they told me my reasonable accomodation is to pay monthly XXXX to pay my bill over the phone. I told them that is not a reasonable accomodation under the American with Disabilities Act ( ADA ). The bank official said yes it is. Then someone called me back to say there is nothing they could do for me. I have other investiment properties and have coupon booklets for the year what is the problem here? Two customer representatives even hung up on me. It is my opinion and belief that their service is egregious and I have been doing real estate since 1975. The representatives at the bank would not give me the President of the bank 's name or corporate headquarters address to which I responded " Don't you do business in the U.S. and aren't you regulated by the federal government. They said it is not the bank 's fault but the loan officer 's fault ( a South State Bank employee ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I lost my wallet and someone took my atm card from bank of America and tried to deposit bad checks into my account.

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 2021-02-16 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: MI

Complaint narrative:
FIFTH THIRD BANK-Date Opened XX/XX/XXXX Amount {$540.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX Amount {$23.00}, XXXX -This account is over 7 years old and I would like it removed because it defies the statute of limitations. 

XXXX XXXX XX/XX/XXXX Amount $ XXXXThis account is over 7 years old and I would like it removed because it defies the statute of limitations XXXX XXXX XX/XX/XXXX Amount $ XXXXThis account is over 7 years old and I would like it removed because it defies the statute of limitations XXXX XXXX XXXX XX/XX/XXXX Amount {$75.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 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: MI

Complaint narrative:
XXXX XXXX XXXX-Date Opened XX/XX/XXXX Amount {$540.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX Amount {$23.00}, XXXX -This account is over 7 years old and I would like it removed because it defies the statute of limitations. 

XXXX XXXX XX/XX/XXXX Amount $ XXXXThis account is over 7 years old and I would like it removed because it defies the statute of limitations XXXX XXXX XX/XX/XXXX Amount $ XXXXThis account is over 7 years old and I would like it removed because it defies the statute of limitations XXXX XXXX XXXX XX/XX/XXXX Amount {$75.00}

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 2021-02-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2020 someone went into a chase bank with a fake ID and opened a fraudulent account in my name which In turn allowed them to remove {$34000.00} from my savings into that account. I met with a banker who put numerous alerts on my account and put notes saying to verify with a third for mom of ID. On XXXX XXXX the same thing happened which is absurd since chase bank employees did not do their jobs and allowed this person to come into the bank with the same FAKE ID and open up a new account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-16 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: KEYCORP
State: NY

Complaint narrative:
Keybank is withholding my funds ( {$3000.00} ) without cause for 2 months now. Im spending near 20 hours a week on the phone with both keybank and the dept of labor and would like to file a complaint against them both. DOL has informed me they have been emailing them nonstop since Thursday, Ive submitted all identification and proof address that they have requested and told me theyre working on it, 3 more days for the last 2 months. I dont have a XXXX to my name but I can see {$3000.00} on a card the status of which is DEPOSIT ONLY ( you know just to add insult to injury ). Keybank informed me they havent received any contact from them at all as of yet. I have names and employee Id numbers for these rude people as well some of which are VERY rude. It is impossible to get them on the phone and when you do theyre resentful and want to express disdain for your suffering. My cat just died I have to pay the vet XXXX $ for the cremation. I do not have a dime. Only {$3000.00} thats being withheld from me without cause and I would imagine unlawfully. These people are lying to me, they keep me on the phone all day and then hang up on me after being on hold for hours without talking to anyone. I WANT TO FILE A COMPLAINT AGAINST BOTH PARTIES AND IM TAKING TO SOCIAL MEDIA TO PUT THIS ON BLAST TO ANYONE THAT WILL HEAR IT RIGHT NOW

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
This company I have no knowledge of and they keep updating stuff on my credit. I tried disputing it much times they want stop. I dont know what to do with them. Im not and I dont have the money to pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc.
State: IA

Complaint narrative:
XX/XX/XXXX - Initial Mortgage Refi application was taken from processor XXXX XXXX. XXXX stated that their loan application volume was very high and that it would take a few months before we would be able to close. 
XX/XX/XXXX - XXXX e-mailed to say income docs had not been received. I advised I was waiting for the XXXX tax extension document from our CPA. Income documents were emailed later that same day. 
XX/XX/XXXX - I received a letter requesting additional documentation. I called and emailed XXXX as I had some questions about what documents were required. I did not receive a response from him or anyone at Caliber Home Loans. On XX/XX/XXXX, I emailed all the requested documents as I understood them that were outlined in the letter, including documents already sent and asked him to contact me if there were any issues. I received no response. 
XX/XX/XXXX - I received an email from Caliber asking me to fill out a survey regarding the " Customer Withdrawn/Canceled '' status of our mortgage application. This was the only notification I have ever received that our application had been canceled. 
XX/XX/XXXX - I called Caliber Home Loans and they confirmed that the application had, indeed, been canceled. The person I spoke with said they could not reactivate it and the only alternative was to complete a new application. My original processor, XXXX XXXX was no longer working at Caliber Home Loans. 
XX/XX/XXXX - I wrote a letter to Caliber Home Loans at the address provided to me by the person I spoke with that day : Caliber Home Loans, XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX. I requested that they decision the original application since we provided all documents requested in good faith and that there was no legitimate reason for them to cancel the mortgage application. I offered to send in new documentation, but felt it was unfair to add another credit bureau inquiry due to their error. 
XX/XX/XXXX - I still have received no response from anyone at Caliber Home Loans acknowledging the letter I sent on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC
State: VA

Complaint narrative:
On this date, XXXX XX/XX/XXXX, I received a notification by mail by a company called Phoenix Financial Services claiming I owed a debt of {$40.00} for XXXX XXXX rendered on XXXX XX/XX/XXXX. The Phoenix account number listed was XXXX and the Creditor Account number was XXXX. Original Creditor Listed was XXXX XXXX XXXX XXXX. 

I knew immediately this was a scam as, on XXXX XX/XX/XXXX, I was stationed at XXXX XXXX XXXX, in XXXX XXXX, TX, as a service member in the XXXX XXXX in XXXX ( XXXX XXXX XXXX ). If I required medical care, it would have been provided by the U.S military and not a private medical facility. I can prove my location at that time through military records and official orders. There is no XXXX XXXX in Texas, and no such company in the state of Texas. 

I attempted to call the company and the phone was answered by an unnamed gentleman who proceeded to scream at me. I was do not tolerate verbal abuse and hung up on them before finding resolution.

Company response to consumer: Closed with explanation