vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-12 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: CBC Companies, Inc.
State: GA

Complaint narrative:
I sent in my police report and my FTC affidavit to the three credit bureaus Innovois Fraud department who asked me to send in my fraud package. After sending to them fraud package they have not replied to anything they have not responded and keep showing fraudulent accounts from these collection agencies. They then deleted the fraudulent account only to put in on again without notifying me. I then submitted a challenge dispute and then XXXX accused me of being a third party and or hiring a credit repair company basically insulting my intelligence. The fraudulent account reporting is as follows XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Innovis also has has all these names on the file that has nothing to do with me XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX I have done everything in my power to fix this fraudulent information that has caused me great damage and embarrassment also with emotional distress, Deformation of character buy Innovis accusing me of hiring a third party to submit a dispute on my behalf that is completely untrue. Enclosed is the letter I appreciate your prompt attention to this matter, and await your reply. 

Remove this fraudulent and inaccurate information from my credit bureaus or i will take legal actions without further notice and this complaint services as proof that i tired to resolve this fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2022-02-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
On or about XXXX XXXX, XXXX, NewRez transferred the servicing my account from XXXX to its own Shellpoint. On XXXX XXXX, XXXX, Shellpoint charged my account {$0.00} and titled it " Default Related Cost Assess ''. I have never authorized this fee or defaulted. On XXXX XXXX, XXXX, Shellpoint charged my account {$360.00} and titled it " XXXX XXXX  XXXX XXXX ''. I did not authorize this fee. NewRez via XXXX has had my account for approximately three years and at no time was I asked for proof of insurance. I was told by Shellpoint that they sent me two letters asking me for proof of insurance, which I did not receive. I asked if their letters were sent certified mail and I was told " no ''. I told XXXX XXXX, Shellpoint 's customer representative, that I have insurance and that they never asked me for proof. I told her that I do not know if it is a requirement that I have it or provide it. She said that the fee will be collected from my monthly payments. If my monthly payment is used to pay Shellpoint back, my payment will not be complete and it will change my entire Amortization Schedule. My loan is modified and if I miss a payment, the entire modification can be voided. She also said that they will not remove the fee and will continue to charge my account. I asked for the date the policy was issued and she said XX/XX/XXXX and said is with XXXX and that the policy number is XXXX. Shellpoint was just sued through its owner, XXXX XXXX XXXX. in a class action lawsuit [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Shellpoint Mortgage Servicing, Case No. XXXX, in the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX for forcing hazard insurance and taking kickbacks. The case closed in XXXX but the court still has jurisdiction over it. I plan on writing the court. Shellpoint told me that my contract required it but did not show me proof. Since Shellpoint is New Rez, why are they claiming not to have the information? New Rez didn't ask me for it when they serviced my loan. I believe Shellpoint is getting kickbacks from XXXX XXXX. It never told sent me a letter asking me for proof of my hazard insurance. And now it claims that because I did not respond to the letters, that they forced the insurance onto me. My insurance remains with XXXX XXXX.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I have been applying for XXXX XXXX for the last XXXX months. But I have been having serious issues since XX/XX/2021. They have denied for only one reason, over and over again that " We're unable to verify your identity ''. In XX/XX/2021, I called them and they to check with XXXX  regarding my identity. I called XXXX and they said that everything ( Name, email, address, SSN, etc. ) matched and they sent a green check mark to XXXX XXXX XXXX XXXX XXXX Then XXXX said please reapply, there's nothing much we can do and this is what hurt me most, " You can reapply as many times as you want because it doesn't impact your XXXX XXXX until you're approved and accept the card. I applied again and again but declined for same reason and got same reply to reapply. 

They also asked me check if my driver 's license picture was blurry when I uploaded. I told them I scanned it under my printer 's scanner, so there was no chance of it being blurry. 

On XX/XX/XXXX, I reapplied again, rejected for same reason, and was tired now. I called them and told them to either approve me or tell me what they are not able to verify ( SSN, phone number, Name, address or whatever ) but they aren't telling me the reason only. They said they are escalating it to the UnderRiding department, and 20 days later, I called why I didn't receive the call in 7 days, they said it went to wrong department, so the other department just deleted that record. I was like whatttt!!!!! You ( a multi-billion dollar valuation company ) are saying my case went to wrong department and wasted my 20 days. This is just not acceptable at an international level from a billion-dollar company. This time they again begged me to reapply, and guess what, I reapplied in early XXXX and got rejected for same reason and this time, I couldn't bear it. I shouted if they don't give me the reason, I will complain to federal department. They said " This time, it's going to correct UnderRiding department as I am giving you a case number ( XXXX ) which is the confirmation of it '' I received a call 10 days later, in early XXXX stating something that made me write this complain " We can't do much on our end, we don't know what's wrong, please reapply, there's no other option ''. Like seriously? People who have access to my application and my credit report and everything can't figure out what's wrong and if nothing 's wrong, can't approve me? This is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-12 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-12 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
I deposited a check for {$5100.00} into my checking account on wed XX/XX/2021. My bank put a hold on the funds from wed XX/XX/2021 until XX/XX/2021. The bank is fifth third bank the check was from XXXX bank. I talked to a branch manager at fifth third bank to try and get hold taken off. The person that issued the check to me explained that the funds were taken out of there account and the bank told them the hold is on fifth third. The branch manger at the XXXX indiana branch said the check was not verified. So they said they could fix it by speaking to the bank that issued the check that the funds were released. I was then told that they still could not take the hold off even though the funds were made available to fifth third. I am being targeted because i have had over drafts on the account. The only reason for over drafts was because fifth third keeps putting hold on the account. This is the only money i have in the world. I have kids and im in desperate need of the funds for fear im going to be kicked out in the middle of winter from my home. I explained thos to the bank and they said there is nothing they can do even though the funds were released to fifth third already. Im begging anyone to help me form being bullied because i have financial problems!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXXXXXX XXXX XXXXXXXX

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 2022-02-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
I have twice completed paper work for COVID relief assistance, wherein Wells Fargo had allowed me to miss payments as we struggled due to loss of income due to the pandemic. When we were able to resume payments, I completed paperwork for FHA second mortgage for the amount of the missed payments, only to find out over a month later when I called that XXXX did receive my paperwork, but I missed a mailing deadline. I then completed the paperwork again, for XXXX to add to my existing mortgage, and mailed in the paperwork. I called the company and they confirmed that they received the paperwork XX/XX/XXXX and no additional paperwork was needed. Inthen checked the XXXX site weekly to see when my payment status would be updated. In XXXX ( 3months later ) I received a letter from wells fargo stating I'd been removed from the relief program and my loan may be sold. Remember, they previously confirmed receipt in XXXX. They also sent a check for funds I had paid because it wasn't a complete payment. 

It's ridiculous that I have completed the required paperwork twice, confirmed with them that they recieved said paperwork, and now my credit is being ruined and I may lose my home.

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 2022-02-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
THIS ORGANIZATION REPORTED LATE PAYMENTS ON XXXX AND XX/XX/2021 ON MY CONSUMER REPORT. THIS ORGANIZATION DID NOT RECEIVE MY WRITTEN INSTRUCTION NOR PERMISSION TO REPORT ANY INFORMATION REGARDING LATE PAYMENTS AGAINST MY CONSUMER REPORT. 

REPORTING LATE PAYMENTS CONSTITUTES TRANSACTIONS AND EXPERIENCES THAT I DID NOT AUTHORIZE, AND ACCORDING TO 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) THIS IS SUPPOSED TO BE EXCLUDED FROM MY CONSUMER REPORT.

THIS ORGANIZATION ALSO HAD NO PERMISSIBLE PURPOSE TO FURNISH LATE PAYMENTS ON MY CREDIT REPORT BECAUSE I DID NOT GIVE MY EXPRESSED WRITTEN CONSENT PER 15 USC 1681b ( a ) ( 2 ).

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 2022-02-12 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:
BANK OF AMERICA REFUSES TO PAY ME FOR A FRAUDULENT CASE THAT WAs found to be closed in my favor.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: U.S. BANCORP
State: IL

Complaint narrative:
In 2019, I unfortunately filed for XXXX XXXX bankruptcy. This was the result of a XXXX  I had, which made me incur more debt load, in addition to an inability to generate savings at that time. I did reaffirm my MORTGAGE ( MRTG ) with US Bank, but was told an internal memo prohibited reporting of MRTGs that have been included in the bankruptcy. This was news to me, as my lawyer assured me it would be reported. 

My MRTG is a Federal Housing Administration ( FHA ) loan, so is there any recourse that I have here? I find it a little concerning that a bank drafts an internal memo that the public can not see or is not made aware of, especially when it impacts the customer 's account ( s ). Additionally, I can not access the MRTG payment side of the online banking, which isnt a big deal entirely ; however, it does make my MRTG payment late by 5 or so days since I am forced to transfer the funds from XXXX  or write and deposit a check electronically.

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 2022-02-12 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXXXXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 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: FL

Complaint narrative:
This complaint is being made by the consumer XXXX XXXX XXXX my personal information was fraudulently obtained during a breach with several companies. Please see the identity theft report attached. The accounts are fraudulent Please remove them from my credit file 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 2022-02-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I have money in my Michigan bank of America unemployment account and bank of America refuses to let me have access to my account balance

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 2022-02-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
Despite several years of complaints, Citizens bank refuses to update the security level of their online banking systems to the current century. While most, if not all, financial institutions enforce complex passwords with special characters and offer, if not require, 2-steps authentication, Citizens forbids the creation of secure passwords by refusing to allow special characters during password creation or update. This results in either weak passwords or passwords over 25 or 30 characters long, which are impossible to remember. There also does not seem to be a way to enable 2-steps authentication. This kind of criminal negligence puts my money and the money of each and every one of their personal and business customers at risk.

Company response to consumer: Closed with explanation