vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-19 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: PA

Complaint narrative:
After multiple attempts with all 3 credit bureaus, I attempted to dispute the accuracy and validity of XXXX XXXX XXXX on my report. After multiple attempts, nothing has been changed nor deleted. As this point in time, XXXX has violated my rights as a consumer under FCRA section 611 ( a ) ( 5 ) as they have not responded to my dispute nor given me an update. i am demanding this account be deleted from my credit report immediately or i will be pursuing litigation in the amount of nothing less than {$1000.00} as tis has negatively impacted my credit score as well as my ability to obtain credit. All receipts and dates of mailed letters and confirmation has been attached below as supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Regarding COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 Capital has continued their malicious acts on my account. First by blocking use of my debit card online, and then in person. I called and they told me that the card was fine ( lies ). They placed hidden restrictions on my card since I filed with the CFPB. 

Now capital is continuing their assult by preventing me from withdrawing my funds from my account. Which is completely illegal what theyre doing just because I filed a complaint. 

They also starting sending me updates and constant emails on my account. But when my account was hacked and I lost XXXX $ + I rarely got a email and when I did it was days late. I attached proof. They never contacted me, and I always had to contact them first and they lied to me numerous times about when I filed the claim etc. They just started sending me email updates, but during the whole investigation I received nothing and I filed 5+ claims totaling over XXXX $ loss. They tried to obscure the meaning of scam, fraud, and dispute. To fit their agenda so I started recording phone calls, every since then they have been after me trying to cut access to my own money, account, and earning. This is illegal and they think they can do it without any repercussions because they will lie their way out of it. Not this time! 

This is really messed up, because Ive been advised to avoid all contact from capital one but they just keep harrassing me doing malicious things to me when I just got XXXX taken from me through unauthorized transactions from capital ones poor security. Capital one is fine if you have less than XXXX, but I strongly advise not to trust capital one with more than XXXX unless you have connections to a higher up in their scheme. 

I have been advised to not speak to capital one until they answer the ftc compliant and cfpb, but they are trying to bait me into calling by obfuscating my account with no clear reason. With nothing sent to my email.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
I had an issue with Regions bank that required I contact them to stop payment on an outgoing check. This caused a horrible headache in which they refused to listen to me and allowed the account to be charged 5 times in a row, so they could collect multiple overdraft fees. 

I contacted CFPB at that time, and the charges immediately stopped, as did the overdraft fees. However, now my account is heavily restricted and I can no longer link the account with online services like XXXX. In fact, this is preventing me from paying my bill to XXXX XXXX 

This is clearly retaliation for the previous CFPB issue. Every time I contact customer service at Regions, they just tell me they can't provide me any more information on the issue. Effectively, they have closed my bank account, allowing money in but not out.

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 2021-08-19 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: LA

Complaint narrative:
Contacted XXXX no XX/XX/2021 to validate debt with documentation No response. Sent another letter on XX/XX/2021 requesting debt be removed for failure to respond and send proof this is my debt disputed with Bureaus and provided proof item still remains on my file. This account is blocking my ability to obtain loan services

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 2021-08-19 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: LA

Complaint narrative:
Contacted XXXX  no XX/XX/2021 to validate debt with documentation No response. Sent another letter on XX/XX/2021 requesting debt be removed for failure to respond and send proof this is my debt disputed with Bureaus and provided proof item still remains on my file. This account is blocking my ability to obtain loan services

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 2021-08-19 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:
I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX Balance $ XXXXDate Opened : XX/XX/XXXX XXXX Balance $ XXXXDate Opened : XX/XX/XXXX XXXX XXXX Balance $ XXXXDate Opened : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 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: EQUIFAX, INC.
State: CO

Complaint narrative:
I filed a written dispute about fraudulent inquires with Equifax and XXXX XXXX I provided my police report my affidavit and sent it certified with my ID, Social Security. I received did not receive a sesponse. I then submitted a dispute on line again yesterday XXXX and today XXXX they send me a response saying they inquires are a factual record of fill they know its fraudulent and didn't even investigable because if they did they would know they are fraudulent. I contacted the creditors and was told they requested the fraudulent inquires to be deletd. Equifax did not do any investigation what's so ever please review documents inclosed. They are in violation of reporting fraudulent and inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 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: Alorica Inc.
State: NC

Complaint narrative:
I was researching my credit report and noticed some inaccuracies that are keeping me from obtaining employment, housing and transportation. If you find these items to be verified, please include the policies and procedures that you used to investigate this account in your response. This is a direct dispute and should be handled as such. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I wanted to raise to you a very problematic business practice being used by Bank of America with its customers. Today, I received an email ostensibly from Bank of America asking me to call into a XXXX number to provide all sorts of sensitive information about myself like SSN, date of birth, etc. The XXXX number did not match any public number for Bank of America when I XXXX that. At first, I assumed it must be a phishing attack. So I called Bank of America 's legit customer support number, and I told them about the email. As it turns out, it is a legitimate email from Bank of America. You might think, ok, so what is the problem then? The problem is that scam artists out there can very easily copy this sort of email and practice, and do the exact same thing Bank of America is doing, but instead, tell the customers receiving the communication to call into a scam number and provide their sensitive info to the scam artists that way. 

This practice by Bank of America has to be investigated and changed. Bank of America is putting their customers ' sensitive info at risk. Bank of America should not be sending emails out of the blue, unsolicited, asking customers to call in and give their SSN!! In this day and age, Bank of America should know better and they should have a more sophisticated and secure way of collecting and verifying their customers ' info. 

Can someone on your team please investigate this? I am happy to provide a copy of the email I received.

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 2021-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc
State: CA

Complaint narrative:
Received two Letter one from Chime Visa asking to set up my direct deposit and another from XXXX XXXXXXXX XXXX to activate my high interest checking accounts Both are not accounts I have tried to set up. 
Contacted XXXX XXXX and they have closed the account. Chime is much harder to contact. In the process of trying to contact and close account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I noticed some inaccurate inquiries on my credit report with Transunion. I called them and they advised that I call the companies to request a deletion letter & to file an FTC report. The companies declined to do so. However, I did file an FTC report. I sent the report certified twice to the provided address and Transunion is still stating that they do not have record of it. The same person signed for it on XX/XX/XXXX and XX/XX/XXXX. I have called numerous times within the last few week and I am unsure what to do next. I have spent money sending mail certified and cant continue to do that.

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 2021-08-19 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Social Finance, Inc.
State: PA

Complaint narrative:
I filed dispute case with sofi credit card {$9.00}. I was told the case would be resolved in 3 days on XX/XX/XXXX. I reviewed a mail from SoFi dispute department named XXXX, she told me dispute denied due to no rights of recovery. Unfortunately, we have no recourse in this matter. Her phone number is XXXX. Extension XXXX. I left her voice message, she never call me back. Customer service couldn't do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 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: FL

Complaint narrative:
I never gave any written consent to report anything on my consumer 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 2021-08-19 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:
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 Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Below are the accounts that are still reporting on my account : XXXXBalance : {$870.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXXBalance {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
My mortgage with Bank of America was refinanced with another mortgagee. The new mortgagee paid off my Bank of America mortgage as of XX/XX/2021 ( at which point I started paying interest to the new mortgagee ). My FHA mortgage with Bank of America did not have a prepayment penalty, and I provided Bank of America the required advance notice of my intent to pay off the mortgage. Bank of America received 2 full months of interest in the payoff. I have requested that Bank of America refund me the overpaid interest which is {$440.00}, but they have not. I explained to Bank of America how the COVID protocols and the Texas winter storm were the reasons that the payoff occurred on XX/XX/XXXX. Therefore, the interest that covers XX/XX/XXXX - XX/XX/2021 should be refunded to me. Bank of America is only entitled to interest for XX/XX/XXXX - XX/XX/2021 which is {$830.00} ( 39 days for the {$180000.00} principal balance at 4.25 % ) ; they received {$1200.00}. I am requesting your assistance with getting the {$440.00} overpaid interest refunded to me plus any additional assessment as a result of their delay in handling this request.

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 2021-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 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: CA

Complaint narrative:
I have been sending letters to equifax for almost a year to remove inaccurate information from my reports. The inaccurate information was removed from XXXX  and XXXX over a year ago but Equifax still has not removed it and will not send me a response. This is hindering me from opening a bank account, getting approved for accounts and I sent several letters to them letting them know the information they are reporting for me is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I sent an international wire transfer on XX/XX/XXXX, the receiver got it in the wrong currency so they did not accept it and refunded it on XX/XX/XXXX there was a refund made from JP Morgan in XXXX XXXX and i have documents and reference numbers confirming this transaction. And to this date XX/XX/XXXX the funds have not been returned. 

I have been in touch with Chase every day and they are referring me to their messaging system. however, i have messaged them close to 10 times since XX/XX/XXXX and they have not responded. 
When i go to a branch they say they are not able to access the wire transfer department and when i call the research team their department does not have any phone support so i need to go to the secure messaging system. however, as mentioned they do not respond. 

The branch is saying that they do not have access, the phone is saying they have no way to find out anything.. And the messaging system does not respond. I made a claim and they have not heard back from the claims department. So i went to a branch to escalate the claim and they were going to call me within 24 hours and no one called me. The concern here is how does a financial institution not have anyone that is responsible to be able to make an inquiry into where the funds are. This is a simple request from Chase to JPMorgan in XXXX XXXX where the funds are coming from. And find out what is holding the funds from being released. 

Transaction s like this happen every day. Losing funds in the banking system should be the responsibility if the institution to handle and resolve.

This is choking me i can't sleep and can't do any other work, i literally just lost all my money and I have not one person that can direct me with an answer at financial institutions this large than even has the ability or interest to make an inquiry as to where the money is. 

In short. A financial institution needs to have basic accountability that if funds are not available there should be a process and team that will be trained to help and deal with finding and resolving the issues. 

This is embarrassing and extremely unethical. thankfully I have been able to discuss this with some friends that are business owners and we will be moving out our funds from Chase once this is over, I feel violated. 

Please help with this concern I am grateful for your support. And look forward to getting this resolved XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-19 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: FL

Complaint narrative:
I never gave any written consent to report anything on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 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: CO

Complaint narrative:
I filed a written dispute about fraudulent inquires with XXXX  and trans union I provided my police report my affidavit and sent it certified with my ID, Social Security. I received did not receive a sesponse. I then submitted a dispute on line again yesterday XXXX and today XXXX they send me a response saying they inquires are a factual record of fill they know its fraudulent and didn't even investigable because if they did they would know they are fraudulent. I contacted the creditors and was told they requested the fraudulent inquires to be deletd. XXXX  did not do any investigation what's so ever please review documents inclosed. They are in violation of reporting fraudulent and inaccurate information.

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 2021-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: CO

Complaint narrative:
I sent XXXX a dispute/validation letter in XX/XX/2021, its been over 30 days and I have received no response. This is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: United Shore Financial Services, LLC
State: FL

Complaint narrative:
Client came forward wishing to make a 100 % cash purchase of a property and submitted her offer as such. Client was then hastily talked into a mortgage in the last few days prior to closing. Client did qualify for a VA loan with better pricing and lower closing costs. However, client was misled and sold a higher interest rate product with higher closing costs outside of the VA system with the prime objective of sales commission and not the clients ultimate interest.

Company response to consumer: Closed with explanation