vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-07 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/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 FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 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: WA

Complaint narrative:
XX/XX/2021, XXXX alert that Equifax received an attempted ( Attempted Bank/Credit card inquiry ) inquiry about my credit score from XXXX XXXX XXXX  ( assuming XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX. This inquiry was blocked by my, self imposed, credit lock ( XXXX Credit lock ). I called XXXX XXXX and they denied any inquiry was made about me. 
XX/XX/2021, second XXXX  alert that showed an Equifax inquiry was made from same bank above and XXXX XXXX XXXX  XXXX XXXX got a copy of my Equifax credit report XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX VA XXXX. I again called XXXX XXXX bank and they again assured me they made no such inquiry and was instructed to call Equifax. 
I called Equifax and they confirmed the inquiry from XXXX XXXX Bank and i was then instructed to file a fraud report to the FTC and was redirected to this filing internet page. 
In order to remove the fraudulent/inadvertent inquiry I was instructed to send copy of this report back to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 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: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-07 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:
This is XXXX XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : Late Closed XXXX XXXXXXXX {$2900.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} Charge Off XXXX XXXX {$8200.00} XXXX XXXX {$3800.00} XXXX XXXX  XXXX {$5000.00} XXXX XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: PA

Complaint narrative:
We are a financial institution trying to reach HSBC in regards to a returned wire sent to HSBC on XX/XX/2021. This wire never reached the customer 's XXXX account and we have been trying to assist the customer in locating her {$47000.00} wire. We have exhausted all ways of trying to communicate with HSBC with no success. There have been countless emails, portal messages, and phone calls attempting to contact a person that would be able to assist us in locating the wire whereabouts. When we are able to speak with a representative at HSBC they informed us that it is nearly impossible to be transferred to the their wire department. When asked to speak with the HSBC supervisor they hung up on us. 

We have countless documentation on us trying to contact HSBC and have been speaking with our regulator the Federal Reserve on this very important matter. This has become detrimental to our customer. There has to be a way to communicate with HSBC by speaking with a live representative to discuss the status of the wire. 

In addition we plan on filing a complaint with the OCC as well. In order to rectify this time sensitive matter. 

Thank you for your time and consideration, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: USCB, Inc.
State: WA

Complaint narrative:
I am going to need to provide some estimates since I do not have the bills that XXXX XXXX XXXX turned over to collections. In the summer of XXXX, I XXXX XXXX and I was taken to the XXXX XXXX XXXX room in XXXX, OR. After approximately two months, I received a notification requesting my insurance information. I receive my health insurance through the VA as I am a XXXX veteran. I contact the XXXX XXXX billing department and provided their billing agent all of my VA insurance information so they could bill the VA which would cover 100 % of the bill. Other people did hear this conversation. I was told that if they had any problems they would contact me. We received no further communications from XXXX. We received no mail, we have lived in the same home for over four years. We received no phones calls, I have had my phone number for a decade and my wife has had here phone number since XXXX. In checking our credit report we discovered that XXXX XXXX XXXX sent me to collections without any notice whatsoever, no bills, no letters, no phone call, nothing. I have never heard of such an unethical business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 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: PA

Complaint narrative:
This is XXXX XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : Late Closed XXXX XXXX {$2000.00} XXXX  XXXX {$2900.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} Charge Off XXXX XXXX {$8200.00} XXXX XXXX {$3800.00} XXXX XXXX  XXXX {$5000.00} XXXX XXXX XXXX {$0.00}

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 non-monetary relief
Consumer complaint received 2021-12-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
XX/XX/2021, XXXX alert that XXXX received an attempted ( Attempted Bank/Credit card inquiry ) inquiry about my credit score from CAP ONE NA ( assuming capital one bank ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. This inquiry was blocked by my, self imposed, credit lock ( XXXX Credit lock ). I called Capital One and they denied any inquiry was made about me. 
XX/XX/2021, second XXXX  alert that showed an XXXX inquiry was made from same bank above and CAPITAL ONE BANK USA NA got a copy of my XXXX credit report CAPITAL ONE BANK USA NA, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I again called Capital one bank and they again assured me they made no such inquiry and was instructed to call XXXX. 
I called XXXX and they confirmed the inquiry from Capital One Bank and i was then instructed to file a fraud report to the FTC and was redirected to this filing internet page. 
In order to remove the fraudulent/inadvertent inquiry I was instructed to send copy of this report back to XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Receivables Performance Management, LLC
State: CT

Complaint narrative:
i have received several calls from a number XXXX and similar numbers XXXX I answered. I got a woman who asks for me and began to ask other personal information i stated who is this and what is it in reference to she told me her company was Receivables performance management. I said i do not do business with you what is this in reference to- she kept asking me to confirm details and i again said i do not do business with you who and what is this in reference to. she said a personal matter. I told you who i am and i am the person so until you can give me the information i asked you for i am not confirming anything. I called back originally to see if the number was spoofed and people answered the phone i was transferred to a few people because no one would answer my questions. I got a call at work answered it and the same thing arguing with people when i asked for 1 simple piece of information. I told her this is why i am filing a complaint she stated they are not handling complaints right now!!! what ridiculousness is that! Also if they are a 3rd party collection agency they have violated fair debt because they keep calling even after I told them not to contact until they can tell me what its in reference to and they also violated the number of times you can call legally

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 2021-12-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
On Tuesday XX/XX/XXXX I called Citi Bank for support on my credit card. 

The representative laughed at me, told me he couldnt provide the info I was requesting. Upon asking for a supervisor they continued to laugh. Told me theyre done with me and transferred me back to the queue. 

This person has access to ALL of my private info and still refuses to help. They laughed, mocked that I was out of state for a funeral and then essentially hung up by transferring me. I can only assume theyre stealing identities as they are clearly not being a customer service rep. They claimed they couldnt help with any of my XXXX  requestsAnd did everything in their power to escalate the situation like laughing at me, refusing to connect me to a supervisor. Refusing to provide a 10 day pay off and the address for check payments. 

The next representative assisted with all XXXX requests. This is clearly a problem with a representative that is not going to be addressed.

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 2021-12-07 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: FREEDOM FINANCIAL NETWORK
State: GA

Complaint narrative:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
My name is XXXX XXXX and on XXXX XXXX I transfer money to XXXX XXXX through XXXXe/zelle {$1200.00} to cell # XXXX it was the wrong number, I was notify by XXXX XXXX the next day, she never received the {$1200.00} on XX/XX/2021 I contacted XXXXZelle open a claim # XXXX they told me that they will contact the bank for the recipient to return the money, I have called the cell number XXXX no answer, I text them twice asking them to please return my {$1200.00} no reply by him/her the XXXXzelle told me that they will return my money back on XXXX XXXX but they never did. 
so I called XXXXzelle customer service XXXX XX/XX/2021 and they told me, they have mail me a letter with a deny result and that I have no right for claiming my money So in XXXX/ZELLE their law it is ok for a stranger to still my money because the banks are giving them permission for strangers to keep others customers money, with no punishment, which means I am the criminal here for making a human mistake, my punishment is losing my {$1200.00} I would like your help, I need to find the identity of this individual so I can report him/her to the police department please, I am XXXX XXXX XXXX and retire I must recover this money the bank XXXX told me they very sorry they can not help me, I asked them information about the individual that they allow to keep my money and they also denied me to report this person that stole my money, they told me " we sorry we need to protect the customer identity for secure purpose " So who protect me? 

XXXX never mail me the denied letter I need to know why they lie, I called them asking them about my mail letter they did not want to mail me another one I think they are hidden something maybe ZELLE is stilling my money

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 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: TX

Complaint narrative:
Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the Equifax AND THE XXXX XXXX breach and may have gotten into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hi Transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. XXXX XXXX. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

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 2021-12-07 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: OH

Complaint narrative:
For the last four years my mortgage company has refused to send me monthly statements which had put me almost in foreclosure they have raised my mortgage every month with no statement of explanation or any information they have never sent me out any tax forms or anything I have never been able to access any of this information on their website either. I have called for the last three years asking for a monthly statement and all I get is yelled at told I am ignorant because they dont have to send it to me Ive been verbally abused and assaulted over the phone by this company with denial still to this day of my monthly statements the only monthly statement Ive ever received from this company was my XX/XX/2017 statement. I have asked numerous times why am I not receiving my monthly statement they keep telling me its the post office but yet all my other bills have had no troubles coming through I have tried to talk to this company Ive emailed this company for answers and Ive gotten nothing they keep trying to say that this went up this went up this went up but yet when I called the auditor and my insurance company they have no idea what Im talking about because nothing has changed I want this mortgage company to either prove to me all this nonstop racing my mortgage every year and then when I bought the house I did not know but there was delinquent taxes that I was forced to pay on this home instead of the seller paying it that was automatically thrown into my account to the point of where I was forced to pay or lose my home. I have jump through hoops to get this loan and to have a home this company had to invade every atmosphere of my life from if I was married single divorced to XXXXXXXX XXXX XXXX  XXXX XXXX  nothing was private everything they had to know including my medical background all for one statement and four years I bought this house XX/XX/2017 and Ive only received one statement out of them for years Ive never received any escrow paperwork or any other information and they have almost made me lose my house a number of times because of their refusal to send me monthly statements the refusal to allow me any access to pay shortages in escrow or anything because I knew nothing about it. This mortgage company is lakeview loan servicing LCC also known as XXXX. They have not complied with the federal or the state laws of requiring mortgage statements to be sent out. I have received two emails from this company in the last two years about my mortgage withdrawals

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