vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: NY

Complaint narrative:
I had requested to close my account on XX/XX/XXXX and the rep told me that the remaining balance will be mail to me. I called on XX/XX/XXXX to check the status of the check and the rep said it was mailed on XX/XX/XXXX and I should be receiving it before XX/XX/XXXX. I called again on XX/XX/XXXX to informed them that I didnt receive my check. The rep told me that Ill need to wait and if I would like to have a replacement check then itll be a fee for it. I was asking the rep if theres any tracking number to see wheres the check. The rep stated that I didnt ask for 2-day express or overnight delivery so she wont be able to track. I asked her what if the check is lost or someone took it, I still need to pay for the replacement? She said yes, this is the only option. It just doesnt make sense that they didnt ask if I would like to pay extra for mailing it with tracking number and told me no matter what Ill need to pay an extra fee for the check. As you can see from the attachments, shipping options was never being offered.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Following accounts was disputed FOR ACCURACY several times but no investigation was ever conducted : XXXX XXXX Inquiry XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX As per my conversation with Transunion Representative today XXXX they have never received letters in mail. 
However attached is my certified return receipt to prove that they actually received it at least 3 times. 
According to FCRA this account must be removed 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 2021-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
On XX/XX/21, I received checks from TD bank welcoming to their bank. I never set up an account with TD Bank. I called TD Bank and spoke to XXXX in the Fraud Department who advised that I call the 3 main credit reporting agencies and freeze my social security number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Automated Accounts Management Services
State: IA

Complaint narrative:
I sent a letter to AAMS LLC requesting specific information to validate the accounts theyre reporting on my credit report and have yet to receive that information. They are violating my HIPAA rights! They are reporting medical information without a HIPAA Authorization form which is illegal. How are they able to get my private medical information without my consent? I am ready and willing to file litigation if this matter isnt fixed immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: GA

Complaint narrative:
This is my second complaint with the CFPB regarding the inaccurate information on my credit reports. I sent a request to investigate inaccurate accounts on my credit report on XX/XX/XXXX. It's been 45 day plus since I sent my inquiry, its now XX/XX/XXXX and I have not received a response nor have it been resolved with the credit bureaus or the CFPB. I want to finance a home but the inaccurate, erroneous information on my credit report is stopping me from achieving that dream. My first complaint with the CFPB was closed because the credit bureaus is not taking my complaint seriously. My next step will be filling a lawsuit, if this isnt resolved 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 2021-07-29 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: GA

Complaint narrative:
This is my second complaint with the CFPB regarding the inaccurate information on my credit reports. I sent a request to investigate inaccurate accounts on my credit report on XX/XX/XXXX. It's been 45 day plus since I sent my inquiry, its now XX/XX/XXXX and I have not received a response nor have it been resolved with the credit bureaus or the CFPB. I want to finance a home but the inaccurate, erroneous information on my credit report is stopping me from achieving that dream. My first complaint with the CFPB was closed because the credit bureaus is not taking my complaint seriously. My next step will be filling a lawsuit, if this isnt resolved immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: Security Credit Services, LLC
State: IL

Complaint narrative:
I initated a dispute with the major credit bureaus as I have no knowledge of this account or collection the three credit bureau assured me that this information is valid and true regard Security Credit Services ( Debt Collector ) I then requested validation of the said debt via certified mail on XX/XX/2021 when the letter was sent to the address listed on my credit bureaus the mail was returned with no forwarding address confused I reached back out to the Credit Bureaus ( XXXX, XXXX, XXXX  ) to dispute the incorrect information being reported with proof the the returned mail from said debt collector 's invalid address that was still being reported on my credit report to my surprise on XX/XX/2021 the credit bureaus stated the information was correct and followed FCRA regulations I have attached the copy of the returned mail along with receipt along with receipt of the certified letter that was issued on XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: MI

Complaint narrative:
Been contacting creditors, bureaus, third parties after 45 days I still have not seen or got a written response. A computer generated response is unacceptable. Remove this bull off my credit file you keep going against the law. Its clear! You guys are not following your written statements so In this matter before things get worse and legal remove these inaccuracies now! I dont even understand how could this happen I didnt give anyone any consent to access my file man 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 2021-07-29 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: AXOS FINANCIAL, INC.
State: MA

Complaint narrative:
The loan company keeps calling me to insure me that loan check would clear and the freeze on my bank account will be lifted and the negative balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: GA

Complaint narrative:
XXXX  please let XXXX  and Transunion stop reporting fake information. I do not know this account and its not mine. It is a fraud, thank you for understanding and I hope u will remove it soon after investigation.

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 2021-07-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc.
State: CA

Complaint narrative:
I am refinancing my existing jumbo loan with better.com. They are asking me to increase my new loan amount $ XXXX more than my current loan balance on a loan that supposedly has discount points. They are refusing to lower my new loan amount or show me the payoff quote my current lender provided and will not request another one with the current amount. I had completed underwriting and was moving into closing when they told me I needed to bring {$7500.00} to closing. This occurred on XX/XX/2021. 

They also made me pay for an appraisal which they knew they would not be using the value of based on their underwriting guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION
State: TX

Complaint narrative:
Had to file for bankruptcy due to financial problems. The mortgage loan, M & T Bank hold our VA loan. Ever since then the mortgage lender continues to increase my mortgage rates. They have not and will not work with me on any of this. They put my home in foreclosure status. I had to find help with a bankruptcy claim in order to keep our head above water. Have been out of work due to COVID and still they do not care. They keep increasing my mortgage amounts. This company does not work with anyone, they told me they want their money or they will foreclose on 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 explanation
Consumer complaint received 2021-07-29 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:
Been contacting creditors, bureaus, third parties after 45 days I still have not seen or got a written response. A computer generated response is unacceptable. Remove this bull off my credit file you keep going against the law. Its clear! You guys are not following your written statements so In this matter before things get worse and legal remove these inaccuracies now! I dont even understand how could this happen I didnt give anyone any consent to access my file man XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am retired XXXX XXXX and always but Honor, Respect, and Loyalty first. I did not think much of anything when I was receiving letters in the mail about a debt. When I looked into it I discovered the it was a debt that XXXX sold to Midland. I had taken a loan with XXXX in XXXX and have proof it had been paid off. I sent a copy to Midland Credit Credit Management and there response was it is a loan that was taken out in XXXX. I did not understand because my loan was XX/XX/XXXX and I received an original copy paid. Despite my plea they did not care. 

In XXXX they sent an order through XXXX  XXXX and tried to garnish, but to no avail. After I asked for a promissory note, something with my signature Midland could not, so they cause of action and moves Court to dismiss the case from my bank. But, what I did not know it was hanging out in the cloud somewhere. I sold my house and now it showed up again and the Title company is only following their protocol and held back some money. They informed to to write to CFPB to get help and have this company to stop harassing me. 
Once again, Midland Credit Management has not responded to proof of loan and have giving me the run around. I even had the Title company agent represent me and asked for information, but to no avail. The Title company agent tried calling several times like I did, but was given the run around. This debt does not show up on my credit. I've been able to refinance my home through HARP and by vehicles and get other loans with no problem. This has been a thorn in my side. I need Help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Pursuant to complaint XXXX, Bank of America is maintaining that they exercised due process in recording my account as a charge-off even though, through circumstances of their own making, they " clouded '' the title to the recreational vehicle ( aircraft ) for which they were the primary lien-holder thereby rendering it to be un-saleable with a title that could not be cleanly transferred to a new owner. Additionally, they could not even provide me with clear title effectively demonstrating that I myself possessed clear ownership and title to the vehicle. Documentation from a federally bonded, FAA-certified escrow and title company, XXXX XXXX XXXX XXXX, XXXX, are attached demonstrating Bank of America 's inability to present a " clear '' title of the time of an attempted sale of the aircraft ( XXXX ) on XX/XX/2020.

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 2021-07-29 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: MD

Complaint narrative:
Checking over my report today and I have noticed that these accounts & inquiries are still reporting on my file after I have been disputed & waited for a response after 45 days .you are still going against the law and I have rights.

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 2021-07-29 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: NV

Complaint narrative:
I sent a letter previously, asking to reinvestigate the accounts being reported to my file but the bureaus never responded back. It has been over 60 days since then and I have not any response yet. I think I am being taken for granted, 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 60 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 Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: IA

Complaint narrative:
Equifax is violating my rights under the HIPAA Law. Correct this matter or Ill be seeking litigation against all involved!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: NJ

Complaint narrative:
In XXXX  I tried to open a bank account at XXXX XXXX  and at the end of the application the representative tells me that I have a problem with Bank Of Amrica and that I should call Bank Of Amrica to solve that problem, I immediately asked I tried to communicate with Bank Of Amrica and when I spoke with one of their representatives, the only thing they told me was that I could not have an account with them for a duration of 6 years, I asked them to explain the reason and why I can not open an account with Bank Of America within 6 years and they responded by telling me that my account was involved in fraud, but I responded by saying that how can my account be in fraud if I stop using it since I finished working for the XXXX XXXX XXXX XXXX  team I stopped using my Bank Of America debit card because at that time I was no longer working and I was not going to need it, because the only thing I used it for was to receive my payments and withdraw the money, please I want to clarify that I have no idea what they are telling me and I want you to please correct that error because I have tried to open another bank account with XXXX XXXX 's but they tell me about the same problem I have with Bank Of America and I want you to please solve that problem as soon as possible. Thank you!

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 2021-07-29 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I received advertising from American Express Credit card services, advertising perks, such as airline miles and FREE BAGS or up to 8 people in my party .... if I opened, or upgraded a card, and purchased a flight with that card. I did everything they asked : I upgraded my AMEX card, and was charged a pro-rated membership fee of {$26.00} ( from XXXX to XX/XX/2021 ) to do so. And paid that. And then purchased the tickets to fly from XXXX to XXXX with that card. And all passengers were on the same flight/manifest. Yet, when we went to check in for our flight, the booking agent said the ticket did not allow for free bags. Huh? So we paid for the bags ( using the AMEX DELTA card ) was were charged {$30.00} per bag. We had two bags, so total of {$60.00}. I figured that AMEX would see the error and credit us immediately. Instead, they refused to do so, and insisted that the only way to get he credit was to file a dispute with Delta XXXX. So now, we have paid {$26.00} for upgraded membership ( for the perks ) that we did not receive!. Plus {$60.00} for the bags ( for a total of {$86.00} ). I have tried to work with AMEX and spoken to several customer service reps and supervisors. I am astounded that they all insist that they can not reverse the charges, and that we have to re-open a dispute with Delta. Delta insists that these were excess bags ( even though they were neither too large, overweight, or a second bag ). Since Delta charged the bags as " excess '' ( even though this was incorrect ; these were the first bags, not excess bags ), they denied the dispute and Amex insists that we have to pay for the bags. And they will not refund the membership fee that I paid either, even though we never got the " perks " of membership that we expected ( free bags that I was promised ). Now they are charging me another {$99.00} to continue as a member. This is just wrong. If a customer has to fight hard to get a perk they expected to get for signing on for the card, then it is not worth it. Classic case of bait and switch. How many other people are they doing this to who just pay and don't complain, I wonder?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-29 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: MD

Complaint narrative:
Checking over my report today and I have noticed that these accounts & inquiries are still reporting on my file after I have been disputed & waited for a response after 45 days .you are still going against the law and I have rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: MD

Complaint narrative:
Checking over my report today and I have noticed that these accounts & inquiries are still reporting on my file after I have been disputed & waited for a response after 45 days .you are still going against the law and I have rights.

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 2021-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
A debt collection company named XXXX XXXX XXXX sued me in court. Before court I sent a written request asking for a signed contract. I never received a signed contract. We went to court on XX/XX/2021. I told the judge I asked for a signed contract and I never received it. Consumers have rights. This is the second company that the debt was sold too. I didnt authorize them to purchase the debt and my personal information. The judge ruled in the debt collector favor but Im going to appeal. They didnt have the correct address in court. Its illegal for a collection agency to buy debt and come after the consumer. I need a signed contract.

Company response to consumer: Closed with explanation