vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BMO BANK NATIONAL ASSOCIATION
State: IN

Complaint narrative:
We have a lawsuit in process against our mortgage company and my attorneys need copies of selected cleared/cashed checks for evidence in our legal suit. The decision was made for us to retrieve said check copies because it would ( should've ) be easier and a more convenient option. However the process of obtaining these check copies from our local branch has been unsuccessful. For the past 2 months my wife and I have been calling and visiting our local branch in XXXX Indiana consistently explaining how important these check copies are only too be ignored. We have spoke too both managers at our local branch in XXXX Indiana and they tell us they are working on our request but keep coming up with nothing. I personally told one of the managers they are WITHOLDING evidence to a legal case and my attorneys are needing these check copies ASAP and that has not helped at all. We are currently waiting on a call back from one of the managers that we were told would happen 4 days ago, still haven't gotten that call back. We have even offered to provide a fax number and email address to receive said documents and the managers declined.

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 2020-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX XX/XX/XXXX at XXXX EST I received a verification on two accounts from Experian r that contained serious fraud. 

1. Experian falsely stated that a record had been verified when they performed NO investigation and the account was never verified. 

2. Further, as noted in my first complaint Experian failed to provide proof of the first fraudulent verification on these accounts. I sent two certified letters received by an agent of Experian on XX/XX/XXXX requiring them to produce the proof and method of verification for these accounts. This letter was ignored and no proof or documentation was EVER produced as required by 611 609 and 616 and therefore they certainly missed the deadline. These accounts MUST be deleted. These are just the certified letter I sent. I sent 4 others prior regular mail. 

These accounts were lied about by Experian and NO Verification was ever done upon my first a d second regular mail requests AS THE STATUS DATES WERE STILL THREE YEARS IN THE PAST! NOW they are still lying because I have a letter from XXXX that they DID NOT PROVIDE ANY VERIFICATION TO EXPERIAN AT ANY TIME as Experian claimed. 
These are repeated multiple violations and now these accounts must be deleted per the Rules.they

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 2020-11-13 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/2020 I purchased a product on my credit card ending in XXXX. Chase Slate Visa. {$72.00} Company name/info : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX NV, XXXX, XXXX & XXXX, Product has never been received. Tracking number company provided per XXXX is NOT a valid number. Company not able to provide docs to prove item was ever shipped/received. 
I have been attempting since XX/XX/2020 to receive a credit on my credit card from Chase, but to date Chase is refusing to issue a credit. 

I should not be required to pay for any item not received. This is clearly FRAUD. 
PDF attached.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: DE

Complaint narrative:
On XX/XX/2020 my daughter made a deposit for me at the TD Bank, XXXX XXXX XXXX, XXXX, DE through the ATM. The deposit consisted of {$110.00} cash & a draft in the amount of {$50.00}. The machine returned the draft indicating it could not be deposit at this time. It then returned my debit card but no receipt for the {$110.00} cash. We went to the drive through teller & explained the situation and asked her to help to get a receipt & to deposit the check. She basically cashed the check & said for me to check my account online for the deposit. I did check my account & it did not show the deposit. I immediately called the bank & spoke with a representative ( XXXX ) who filed a dispute complaint on my behalf. I also asked her to retain the video of the ATM of that day. I did receive a complaint number via email from a XXXX XXXX ( XXXX ) I was told it will take a day or two to balance the ATM. 
Called on XX/XX/2020 & had to leave a message. On XX/XX/2020 I spoke with XXXX who indicated that there was no indication on my complaint yet & it takes 7 to 14 days. XX/XX/2020 I checked my online account & still no deposit. XX/XX/2020 left another message. Called again & spoke with XXXX & left a message for XXXX XXXX to call me. XX/XX/2020 its now 2 weeks & no response from anyone. I left another message. 
I called my branch of TD Bank and spoke with a gentleman named XXXX, who went over & above to help me. He located my complaint and indicated that a not was only recently placed on the form indicating it was being denied because the representative who filed the complaint did not put the terminal number on it. He checked everything possible & called the branch on XXXX XXXX & was told that there was no transactions on my card and Im basically out of the {$110.00} I deposited. This is unacceptable!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-13 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: WA

Complaint narrative:
In early 2019 I deposited a check from a company which proved to be no good. Bank of America charged me {$10.00} for the check and closed my checking account. Bank of America then reported me as a perpetrator of check fraud rather than a victim. 
Their false reporting has kept me from opening other bank accounts. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-13 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: ALLY FINANCIAL INC.
State: LA

Complaint narrative:
Ally Financial has reported a " remark '' and incorrectly reported a balance increase, for my auto loan, which was completely unwarranted, as I have NEVER been late on a payment since the loan was taken out almost 2 years ago. This has caused my credit score to drop tremendously. I have called several times and have been given reference numbers, but that's about it. My credit score is not where it should be because of these obvious errors.

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 2020-11-13 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addressesshow tooltip buttonSelect as many as apply XXXX XXXX  XXXX  XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX  XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX/XXXX  XXXX  XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX/XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX  XXXX  XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX/XXXX  Inquired on XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CT XXXX ( XXXX ) XXXX Real Estate on behalf of XXXX  XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX  XXXX  XXXX, DE XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX  XXXX  XXXX XXXX, TX XXXX SINGLE FAMILY not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like Im 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 30 days 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 XXXX data breach and may have got into in the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 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: NY

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like Im 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 30 days 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 XXXX  data breach and may have got into in the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 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: TX

Complaint narrative:
I am filing this complaint because Equifax, XXXX XXXX, XXXX XXXX XXXX, and XXXX  XXXX/XXXX/XXXX  XXXX  has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts that I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " .. promptly delete all information which can not be verified. '' that I have disputed on numerous occasions, Please resolve this matter as soon as possible. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 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: VA

Complaint narrative:
Transunion is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

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 2020-11-13 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX {$7700.00} XXXX  XXXX  XXXX XXXX {$430.00} XXXX/XXXX  XXXX {$980.00}. Remove inaccurate, incomplete, unverifiable, unauthorized, or fraudulent negative items from my credit report. 
FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING 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 2020-11-13 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$7700.00} XXXX XXXX XXXX XXXX {$430.00} XXXX/XXXX XXXX {$980.00}. Remove inaccurate, incomplete, unverifiable, unauthorized, or fraudulent negative items from my credit report. 
FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING 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 2020-11-13 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$7700.00} XXXX XXXX XXXX XXXX {$430.00} XXXX/XXXX  XXXX {$980.00}. Remove inaccurate, incomplete, unverifiable, unauthorized, or fraudulent negative items from my credit report. 
FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
From various numbers over the last week I have been contacted by several numbers from Midland Credit Management, this is for a debt owned by my spouse prior to our marriage. 

They have previously made false and conflicting statements over the phone, and took adverse action against my separate property a move they had to be forced to reverse. 

My spouse, was never properly served or given notice about this judgement until last year. 

We are willing in good faith to negotiate a settlement based off the original principal, however we are not willing to entertain the interest given their history of false representation and violating California law by taking action against separate and protected property. However, their history of false representation makes it difficult to take this company at their word. 

This is our third claim against Midland, please see, XXXX XXXX XX/XX/2019 XXXX and XXXX ( XX/XX/2019 ). I had to file the second complaint to get them to agree to follow the resolution of the first complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 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: NY

Complaint narrative:
Transunion is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

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 2020-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: PA

Complaint narrative:
Our mortgage was sold to BSI Financial over one year ago. We have never had any issues with our previous mortgage company, but now all we have is trouble. BSI asked for proof of homeowners insurance and we provided it. We provided it 3 times! and had two " 3 way calls '' with BSI 's third party insurance company. 
In the meantime, they " sold '' us their insurance and charged us. We would send in our mortgage payment and they would XXXX it to an escrow account, showing our mortgage as late. We tried calling them dozens of times, and got incompetent customer service people and now we are at the end of our rope. 

As I write this, we are on hold on a Friday evening, waiting for one of their representatives to pick up. We got no answers ... ..only confusion when trying to resolve this issue. I would like to remortgage, but they put us as delinquent on our loan. We have no financial issues, we can easily pay our mortgage, but due to this downgrade we are at the mercy of this company. 
This needs to be resolved as we believe there may a violation of mortgage law.

Company response to consumer: Closed with explanation