vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-31 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX charged Off my XXXX XXXX XXXX account after it was paid. How can a credit card be charged off if it's paid. This is fraudulent and discriminatory action towards my financial status. This account is paid. 
During the beginning of the pandemic I paid this card off while battling the XXXX XXXX XXXX XXXX. I will be false to seek legal assistance if this is not deleted from my credit profile on Transunion, XXXX and 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 2021-05-31 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX charged Off my XXXX XXXX XXXX  account after it was paid. How can a credit card be charged off if it's paid. This is fraudulent and discriminatory action towards my financial status. This account is paid. 
During the beginning of the pandemic I paid this card off while XXXX the XXXX XXXX XXXX XXXX. I will be false to seek legal assistance if this is not deleted from my credit profile on XXXX XXXX and Experian.

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 2021-05-31 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XX/XX/XXXX AND XXXX OF 2020 MY COMPUTER WAS HACKED AND THEY USED CREDIT CARD WHICH WAS ON XXXX AND BOUGHT XXXX DOLLARS WORTH OF XXXXXXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX.THE ONLY WAY MY WIFE COULD GET IT STOP WAS TO CLOSE XXXX ACCOUNT AND KNOW THEY WON'T HELP BECAUSE THEY SAID WE CLOSED OUR XXXX ACOOUNT AND I HAVE BEEN DEALING WITH THE CREDIT CARD COMPANY SINCE XX/XX/2020 FILING FRAUD ON IT AND THEY KEEP TELLING ME THAT IT WAS MY XXXX ADRESS AND KEEP TELLING THEM WHAT DO THEY EXPECT BECAUSE THEY HACKED MY COMPUTER FROM 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 monetary relief
Consumer complaint received 2021-05-31 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: NC

Complaint narrative:
XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 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: AL

Complaint narrative:
I recently sent a dispute letter to TransUnion, XXXX and XXXX on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond.

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 2021-05-31 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: NY

Complaint narrative:
Life for me is sinking, I am depressed and discourage. My credit score is being effected by an account that isn't mine. I am a victim of identity theft please help me. in 2017 somebody open a phone line under my name. This account was open for {$170.00} I sent a letter in and never got a response back. This account is hurting me and my family. I have attached a FTC report which is a police report as proof. 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 2021-05-31 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: AL

Complaint narrative:
I recently sent a dispute letter to XXXX Equifax, and XXXX  on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 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: AL

Complaint narrative:
I recently sent a dispute letter to XXXX XXXX and Experian on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond.

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 2021-05-31 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: MS

Complaint narrative:
I have been disputing incorrect, outdated, obsolete and erroneous negative information on my credit reports since XX/XX/2021 from Equifax and they continue to update the information and report it as fraud. I requested that they delete and remove and inaccurate information from my credit reports, but they keep reporting the information as accurate and verified AFTER the agency reporting the information corrected the incorrect information being disputed. According to the Fair Credit Reporting Act, the credit bureaus are supposed to remove any inaccurate information and report it 100 % correct. I did factual disputes and found many accounts reporting negative information on my reports causing me to have a lower credit score resulting in denial for credit and higher interest rates. I believe I am being unjustly discriminated against because of this E OSCAR verifying system. I would like for these negative accounts that I have challenged and disputed, and continue to dispute and challenge, over the last several months be removed from my credit report. To put it bluntly, it is like XXXX XXXX and Equifax are purposely allowing this negative information to remain on my report. It is almost useless to use the disputing process as prescribed by law if it will not be followed by the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
VICTIM OF IDENTITY THEFT. I RECENTLY PULLED MY XXXX, XXXX  AND XXXX  CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX, XXXX  AND XXXX  AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Longbridge Financial, LLC
State: CA

Complaint narrative:
I began processing my application for a Reverse Mortgage with Longbridge Financial in XX/XX/2021. Because my condo development had not yet gotten the FHA approval, I filled in 5 pages for FHA and in XXXX, their underwriter accepted my home for " single unit FHA approval. '' However, in XXXX, after my loan package was complete, the agent ( XXXX XXXX XXXX ) advised me the underwriter rejected it, saying " FHA/HUD will not finance on a condo if there is any late payment in previous 60 days. '' -- unlike SFRs, for which they make an exception! 
I asked about FHA but the Longbridge underwriter did not talk to them. She just had to reject my loan based on this highly unfair rule. 

1. A reverse mortgage does not require repayment, so why would payment history be important? Why are condo owners any different from SFRs? It's all payments! 
2. Their risk is limited by the loan-to-value ratio anyway. My condo comps at XXXX and I only owe XXXX. 
3. I am single, nearly XXXX and extra income ruined by COVID. I'd never been late before or since the couple months I had trouble paying the total mortgage amount. 
4 It was good I bought the condo, but if I can't do a reverse mortgage, I will be living in serious poverty while sitting on/in over {$130000.00} in equity! How is that possible? 
5. Someone in FHA policy-making/enforcing must have a heart enough to see how terribly unfair their rule is considering what I have said. I need to be an exception ( COVID hardship ) or the rule needs to change -- or both!

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 2021-05-31 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: AFNI INC.
State: FL

Complaint narrative:
VICTIM OF IDENTITY THEFT. I RECENTLY PULLED MY XXXX, XXXX  AND XXXX  CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX, XXXX  AND XXXX  AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I am submitting this complaint because I am being extremely affected by NATIONSTAR MORTGAGE LLC. They are being completely unfair and I dont know how to get ahold on them but through this portal. 

I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation. 

I was a victim of mail fraud and local XXXX police has arrested someone for the crime, my mail was being stolen for over 2 months, including my bank statements and mortgage statements, Also the website for Mr. Cooper has been malfunctioning and locking me out, didnt show if payment was due and I had setup auto pay numerous times by phone and online and they kept on not being able to set it up for me. 

My Account is : XXXX XXXX XXXX. 

I am requesting removal of late from all credit report. 

Please see the attached document.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
My second mortgage, originally a home equity line of credit with a " balloon '' payment at the end matured in XXXX of this year. The amount is XXXX. I am unable to come up with that amount. I have tried no less that 5 times to successfully submit the application to modify this loan with SPS, aka Select Portfolio Servicing. Each time, some mistake or flaw is found which completely " voids '' the entire submission-it is not amenable to correction or amendment. Please note : this is essentially the same paperwork, with the stipulated corrections, that is filed, only for some clerk to " discover missing '' or " erroneous '' information. on XXXX application, I checked the " wrong '' tiny box. This process is time-consuming and extremely frustrating and so out of desperation, I made them a cash offer of XXXX. At this juncture, they " need '' information about my " social security benefits ''. I have repeatedly told them I DO NOT receive any form of social security, to no avail. Meanwhile, I continue to receive harassing letters threatening me with imminent foreclosure if I do not " act quickly ''. Their " customer service '' dept. is of no help whatsoever ; the " mortgage concierges '' are hostile, abrupt and condescending. In addition, they reported two of my payments to them as " late '' to credit bureaus. My payments have always been early or on time and I see from other customers that this is their standard practice to harass and wear people down in order to force them into foreclosure. My goal is to avoid foreclosure, get rid of this now XXXX year old loan in a fair fashion and move on. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: EAST WEST BANK
State: NY

Complaint narrative:
EAST WEST BANK returned two 'so-called ' recalls ( around XXXX USD ) without informing us, also without checking our clear evidence shows the 'recall ' were invalid ( payer took a selfie with a clear statement can easily prove the payers lied to their banks )., which has caused us huge loss. 

Meanwhile, EAST WEST BANK said was going to return the rest of XXXX USD ( regardless we have submitted evidence from each payer 's photo selfie, which shows the payment was legit ). 

If a bank can return a payment like this, how can we trust the bank anymore? How can we guarantee the money in our account balance is belong to us?

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 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: ERC
State: FL

Complaint narrative:
VICTIM OF IDENTITY THEFT. I RECENTLY PULLED MY XXXX, XXXX  AND XXXX  CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX, XXXX  AND XXXX  AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc.

Complaint narrative:
I sold some crypto currency for cash on coin base. They were having issues with transactions to XXXX XXXX, the issue has been resolved but still my funds are not available in XXXX and when I try contacting them they keep coming up with different excuses and closed my case!! I still haven't received my funds and can not get a straight answer from anyone or even any communication anymore.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-31 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2014 with a balance of {$1300.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
My spouse tried to use the refer a friend link I shared with her to open a new account. Upon opening of this account, I was promised 7,500 Delta SkyMiles. The link was not working properly. We contacted the bank and were told to " delete our cookies and refresh the webpage and reapply ''. We follow these instruction, however the Skymiles were never awarded as promised. I have reached out to the card company many times, however, they are unwilling to resolve this problem and deny any errors on their end. At the end of the day, you have a customer who opened a new credit card, and then several weeks later, his spouse opened a new credit card and these folks refuse to add about {$75.00} worth of airmiles to my account. This company is worth billions and they can't resolve this simple dispute and take no ownership. We did what we were told to do. We deleted the cookies and refreshed the webpage and reapplied for a line of credit and these points should have posted to my account as promised. They got what they wanted - a new customer ... But I didn't get what they promised - 7,500 Delta SkyMiles.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: ENOVA INTERNATIONAL, INC.
State: UT

Complaint narrative:
I utilized a debt relief company to settle with this company as I knew there'd be no way they would be reasonable dealing with me directly. I wasn't up for fighting and arguing with them. I purposely used a co. that makes monthly payments as opposed to the scam operations that just keep taking your money while further damaging your credit and creating too many other problems. I spoke to the collections dept. at Net Credit last year when they sent me a conf. email that they'd received a pyt. Highly unnecessary as I already know when the payments are being made because I'm making them to the debt relief co. monthly. 

The conversation I had with them entailed when they would show the debt paid off & settled. They told me 60 days after the payment posted. Well they were paid off on XX/XX/2021, well past 60 days. Yet the account hasn't been updated at all on my credit. I am demanding that they do as they promised verbally and update the account. If they choose to ignore this request I will push to have it removed from all of my credit permanently because the info reported is in fact incorrect! It had better not take another 60+ days to do so either. 

They need to do it now, they didn't cut me any slack when they shamefully refused to charge off the debt, continued to charge me interest monthly to the tune of over $ 13K! So I'm not cutting them any either. I will force them to remove it from my credit or sue them if need be. Their choice!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WALL STREET MORTGAGE BANKERS
State: NJ

Complaint narrative:
multiple accounts was open my credit score went down from XXXX to XXXX I called XXXX XXXX and I they mediately close the accounts they told me to contact you guys

Company response to consumer: Closed with explanation