vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-12 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: MI

Complaint narrative:
I am requesting that my credit report dispute be reviewed. This is the 3rd attempt to get items corrected on my credit report. I have provided exact items on my credit report that are reporting inaccurate and per the fair credit reporting act - inaccurate information is not supposed to be reported on a credit report. 

Please do not delete my credit report as this is a request to correct certain error on my credit report that I am pointing out to you. 

I take my credit report status very serious as credit is a huge factor that determines my life and I want only accurate information reporting and reflecting on my credit report. 

Please review and correct or review and delete the inaccurate information asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
On XX/XX/2020 the XXXX XXXX XXXX of Michigan made two deposits to my Bank of America issued debit card for unemployment funds. The 1st {$600.00} payment covered unemployment for XX/XX/2020 and the 2nd {$600.00} payment covered unemployment for XX/XX/2020. The payments were deposited on XX/XX/2020. This is what happens when you are paid retroactively and you have your account on hold for the XXXX they often pay you later. However Bank of America only deposited XXXX of the amounts of {$600.00} to my debit card. The complete ignorance from a previous complaint where I outlined all the same details apparently were lost on Bank of America just like my money was and they kept insisting that I was talking about XXXX deposits in XXXX payments when I was not as you can see from the attached information that they actually sent me back which clearly shows deposits made in XXXX one for {$600.00} BUT ONLY ONE NOT TWO AS THE XXXX SNAPSHOTS SHOW! Michigan XXXX has repeatedly told me both transaction numbers and only one shows up as you can see on the Bank of America statement. There is a second transaction. Bank of America did not apply it to my card. This is been going on for a year and I need the money. The reference number and ACH LOAD on XX/XX/2020 SHOWS {$600.00}! THE XXXX SHOWS 2 ACH LOADS FOR {$600.00} EACH FOR A TOTAL OF {$1200.00}. WHERE IS THE OTHER {$600.00}! 

Bank of America and the cfpb need to stop looking at the XXXX information you need to look at the XXXX information and then XXXX statements and the XXXX deposits and the XXXX XXXX information. 

Can nobody read the information that I'm typing and sending and understand what I'm talking about because it's a very clear and I will not accept any response other than anything to do with XXXX and what happened in XXXX of 2020. Tell me where the other {$600.00} went the deposit was made by the XXXX and they have provided me the proof and they are stating that the Bank of America did not apply the money to my account which clearly B of A that Bank of America sent me is true and only ONE DEPOST SHOWS IN XXXX OF 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 2021-11-12 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: MI

Complaint narrative:
Ally Financial Date Opened XX/XX/2021 Balance {$37000.00} - " Different Dates of last activity '' XXXX XXXX Date Opened XXXX XXXX, 2021 Balance {$58.00}, XXXX " Different Dates of last activity '' XXXX XXXX Bank XXXX XX/XX/2021 Balance $ XXXX THIS IS NOT MY ACCOUNT! I have never heard of this bank nor have I ever made any payments on this account. " Validate Account ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 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: ALLY FINANCIAL INC.
State: FL

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 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 2021-11-12 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: CORELOGIC INC
State: FL

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 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 2021-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
The account listed below has been reported and confirmed by the credit collection agencies as result from my identity theft. the account bellow : BARCLAYS BANK DELAWARE Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX Credit Limit {$1100.00} {$1000.00} keeps on showing on my XXXX report as a delinquency account. I need this account to be removed from mu credit history as it does not belong to me.

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 2021-11-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
While banking at SunTrust bank It is as clear as light when you do business in XXXX  communitys vs other communities you are treated very differently. This time I could not find a notary in XXXX  areas after spending about four hours of driving around. The next business day I found a SunTrust in a XXXX community with a notary, and I went there and was treated like a villain at the XXXX XXXX SunTrust location. The security guard made me feel as those I was doing something wrong for coming in the bank also, they told me my letter was done wrong and I needed to go home and re- type it. ( I was refused serviced ) I went to the white side of town and had it notarized in seconds. I have a mortgage and checking account with this bank. Also, the XXXX XXXX location did not answer the phone until XXXX. You would think they are operating on CP time.

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 2021-11-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I have a negative credit reporting due to a company selling my information to a collection agency while in contact with me without my knowledge.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: OK

Complaint narrative:
I see on my credit report that Jefferson capitol systems is attempting to collect a debt that I've asked them multiple times to validate. They have failed to do so. I also received via mail from XXXX that they were attempting to collect a debt and the debt should be paid to Jefferson Capitol systems. This is a violation of my rights 15 USC 1692e. The amount shown on my credit report is XXXX and I have never done business with neither one of these companies nor have they been able to provide a contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am requesting that my credit report dispute be reviewed. This is the 3rd attempt to get items corrected on my credit report. I have provided exact items on my credit report that are reporting inaccurate and per the fair credit reporting act - inaccurate information is not supposed to be reported on a credit report. 

Please do not delete my credit report as this is a request to correct certain error on my credit report that I am pointing out to you. 

I take my credit report status very serious as credit is a huge factor that determines my life and I want only accurate information reporting and reflecting on my credit report. 

Please review and correct or review and delete the inaccurate information asap.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
XXXX XXXX has not provided me with sufficient information to verify that I am obligated to pay this alleged debt. Nothing provided in their original response is proof of validation under 15 USC 1692g. 

See attached

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BANCO POPULAR DE PUERTO RICO
State: MO

Complaint narrative:
I received my XXXX statement dated XX/XX/XXXX when in actuality I received this in the mail on XX/XX/XXXX. My bill was due on XX/XX/XXXX. I noticed I had a charge for the annual fee and saw that my credit limit had dropped from {$7200.00} to {$4300.00}. I do not understand how that was possible, given I pay all my credit cards on time. I never received a letter in the mail indicating the why. I called the number on my statement and every single customer representative told me to contact XXXX since Banco Popular does not handle that. They continuously transferred me to the XXXX XXXX. Which then the airline transferred me back to the Banco Popular staff. After about 1 hour and 30 minutes later, and the 9th person I was transferred too, I asked to speak to a manager at Banco Popular. The representative on the phone who I was talking to clearly decided to say she couldnt here me at all and ultimately dropped my call. I tried to call back and waited 20 minutes on hold with another number that was given to me ; I was given 9 different numbers from all the representatives that I spoke to, I spoke with someone and said I needed to speak to a manager since Ive been on the phone on hold for now almost 2 hours with no resolution and she blatantly told me well I aint those reps, Im someone else. So imma try to help ya out but you dont wan na help me. And then I was disconnected. I was never rude or defiant or disrespectful. I just clearly asked to speak to a manager to find out why my credit limit decreased with zero notification. I logged into my account and there is no letter history indicating that a letter was sent to me. If I knew this customer service was going to be like this, I wouldve never applied for this card. I also do not agree that this CC company holds payment updates for over 15 days. They take your money as soon as you pay, however, they refuse to update the account and report that you have a carryover balance. This is wrong, especially for individuals who are working on their credit. I regret getting this card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 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: TX

Complaint narrative:
I am requesting that my credit report dispute be reviewed. This is the 3rd attempt to get items corrected on my credit report. I have provided exact items on my credit report that are reporting inaccurate and per the fair credit reporting act - inaccurate information is not supposed to be reported on a credit report. 

Please do not delete my credit report as this is a request to correct certain error on my credit report that I am pointing out to you. 

I take my credit report status very serious as credit is a huge factor that determines my life and I want only accurate information reporting and reflecting on my credit report. 

Please review and correct or review and delete the inaccurate information asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 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: NY

Complaint narrative:
My name is XXXX XXXX, I checked my latest consumer report on XX/XX/2021 and i am still being violated by not only the three main reporting agencies but I'm sure the hidden agencies where my private information is bought and sold by and to non affiliates. I do not consent to E-oscar verification and will reserve all my god given rights as a natural person. XXXX, Equifax and XXXX continue to report defamatory inaccurate information. NO AGENCY SHALL DISCLOSE ANY RECORD WHICH CONTAINED IN A SYSTEM OF RECORDS BY ANY MEANS OF COMMUNICATION TO ANY PERSON, OR TO ANOTHER AGENCY, EXCEPT PURSUANT TO A WRITTEN REQUEST BY OR WITH THE PRIOR WRITTEN CONSENT OF, THE INDIVIDUAL TO WHOM THE RECORD PERTAINS. I NEVER GAVE ANY REPORTING AGENCY CONSENT. The role congress says they " assumed '', DOES NOT permit the use of my private information WITHOUT CONSENT. A consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 15 USC 1681b ( f ) Certain use or obtaining of information prohibited. A person shall not use or obtain a consumer report for any purpose unless ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section; and ( 2 ) the purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: OKX INC.
State: NJ

Complaint narrative:
On XX/XX/2021 I opened an account with Okcoin for {$100.00} to purchase crypto currency XXXX XXXX ( XXXX ). The money was transfer to XXXX XXXX XXXX XXXX from my XXXX checking account. About 2 weeks ago I decided to withdraw my money which was about {$130.00}. Okcoin took out it's sevice fee than told me my account was in withdrawal suspension.The reason given was that the XXXX transfer failed and my account was opened with pre pay credits.I spoke to XXXX and they confirmed the transfer was sucessful and the {$100.00} was debted from my checking account. I called Okcoins customer service number and spoke to someone named XXXX and he told me if I wanted to withdraw my money I would have to deposit {$1100.00}, than hung up on me. I called back and spoke to someone named XXXX and he told me to " XXXX XXXX '' than he hung up. I have been writting e-mails to Okcoin and getting responses from someone named XXXX who keeps telling me either the transfer failed or today received an e-mail stating that now I had to fill out more paperwork as a security check in order to confirm my identity. The Okcoin reference numberwith XXXX and Okcoin is # XXXX. Any help to get back my money would be greatly appreciated but more important is to stop this scam and fraud of Okcoin. Thank you, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
XX/XX/2021 - Received confirmation that XXXX received file for loss mitigtion and requested missing documents which I promptly sent ( email digital trail ). 

XX/XX/2021 - XXXX emailed requesting Property Tax Bill and proof of Homeowners Insurance which were not on the original request for documentation. 

XX/XX/2021 - I called to follow up because I had not heard from XXXX. I was told that they had received to documelntation but they had not processed the documents and would expedite. 

XX/XX/2021 - XXXX asked via email for the same documents I had already sent which XXXX had already confirmed received. I was transferred to collections who did not receive documents and replied " We can not complete our evaluation of your application unless we receive additional information. '' I resent documentation. 

XX/XX/2021 - I phoned XXXX early morning to confirm receipt which XXXX confirmed XXXX 

XX/XX/2021 - Received letter regarding our " XXXX missed mortgage payments '' and to contact XXXX at ( XXXX ) XXXX. Impossible to get through. Phone records show the many attempts I tried. I was able to get to castellcustomer service but impossible to connect with Loss Mitigation. I asked Customer Service to have a supervisor call me multiple times often waiting for an hour on hold before their system cut me off ( phone records ). 

XX/XX/2021 - Sent missing application with request to exit from the official forbearance plan. 

XX/XX/2021 - XXXX sent letter stating that I had been assigned a Mortgage Resolution Advocate, XXXX XXXX who never contacted me and I was not able to contact XXXX. 

XX/XX/2021 - I was assigned a new Mortgage Resolution Specialist, XXXX XXXX ( XXXX XXXX ) who was supposed to contact me within 5 days. This did not happen as seen by incoming calls on phone records. 

XX/XX/2021 - Received letter requesting additional information not in first XXXX requests. Paystub and P & L statement which were not applicable. After many phone calls, it was declared by XXXX that the underwriters had misunderstood the last paragraph in our written statement. 

XX/XX/2021 - We received a copy of the appraisal. 

XX/XX/2021 - Another letter about our now XXXX missed mortgage payments. 

XX/XX/2021 - I had been checking myloancare.com portal every day to check on status and saw that XXXX confirmed receipt of complete application and was sending to underwriting. Stated that I would receive packet in XXXX days with exit plan. 

To date, I have not received anything. In following up, I was told that myplan was with their law firm for final approval and XXXX would check on status and let me know within 3 to 5 business days. I haven't heard anything to date.

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 2021-11-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
My 18 month mortgage forbearance with Wells Fargo recently ended. I submitted a mortgage assistance application to see what other options are available to me. Right now they haven't processed the assistance application and are only pushing me into a new 30 year mortgage when I only have 10 years left on the current one. It doesn't make sense to me to not have any other options but the additional 20 years. I can definitely resume regular payments next year ( when my Social Security benefits begin. ) I just want to be told first what all my options are so I can make an informed decision. They absolutely won't say, just that it will " probably be worse for me '' if I don't accept the new loan modification offer and the property will go into liquidation. -- -- This sounds like a predatory loan practice during a legitimate COVID related hardship.

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 2021-11-12 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: GA

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation