vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Equifax has my birth date incorrect. This has caused delays in processing my mortgage application, which has included personal time I had to take from work to provide additional paperwork to keep the mortgage process moving. 

I filed a dispute of the information online, including uploading a scan of my birth certificate!!! ( which made me uncomfortable ) pointing out the incorrect birthdate. In response to my dispute request, they simply provided me with a copy of my credit report, which still includes the incorrect birth date, and marked the dispute resolved. Nothing in the report indicated I had made a dispute, what that dispute was about, nor what the resolution was! 

I called them to ask why their resolution did not include any correction to my information, or even really any addressing of what I disputed at all, and they refused to help me with any issue unless I " verified '' an unreasonable amount of personal information with a foreign ( non United States ) call center. I " verified '' with them my address and my social security number, which is already more than enough for even an average person to verify somebody's birthdate, and is information I was already uncomfortable stating over the phone. I most emphatically will NOT verify Bank Account numbers and recent credit applications or purchases, nor will I mail in copies of enough personal information for somebody to completely steal my identity. They assured me that this was the " only way '' they could possibly verify my identity. 

I told them I didn't even want any information from them, I simply wanted them to verify my birth date via their own means and correct it. They declined to do so unless I gave them the above stated unreasonable amount of personal information. I do NOT have a contract, neither implied nor explicit, with Equifax, and I do NOT trust them with my personal information ( nobody should after 2017 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: NJ

Complaint narrative:
I recently opened a checking account with M & T Bank online depositing {$25.00}. XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX eposited a loan amount of {$850.00} on XX/XX/2019. 

M & T Bank stated that is a fraudulent Company and check and put a block to my online access to my checking account. They claim XXXX XXXX check will not clear. 

HOWEVER : I repetitively tried to communicate with representatives of M & T Bank. 

AND THEREAFTER : XXXX XXXX deposited {$900.00} today, XX/XX/2019 and M & T I have employment training to attend shortly and bills to pay. M & T stating my available balance is over {$1000.00} yet they in addition put a Hold on my account AND stated I will have to wait ONE to TWO weeks for their Investigator to call me. FRAUD!!!!!!!!!!!! 

I have very important payments to make and begin my training & employment. This is IMPERATIVE that M & T allow me access to my monies. I had a previous account with M & T Bank, XXXX, NJ just a few months back and as I was forced to not continue work at the time, I had to close my account ; there was never any problem. Please assist. 

Please press Complaint & Fraudulent Unlawful Withholding of Monies against M & T Bank.

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 2019-09-06 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: CO

Complaint narrative:
Ok my mom passed away and left my sister and brother and myself the house. I since bought a home in Colorado my sister lives in our mothers house in California and paid this bill every month on time. Account open in XX/XX/XXXX I wasnt living there then. In XX/XX/XXXX I filled bankruptcy it was included in my bankruptcy but my sister continue to pay this account until the end. She finished in XX/XX/XXXXlooking at the report every payment paid but one, the last one just doesnt make sense. What XXXX XXXX did was trying to get paid from me though my bankruptcy try to get extra {$500.00} dollars and I had never been responsible for this account payment. XXXX XXXX has the lien release paper that she paid the payment off. She wrote this on her taxes not me. And I thought that I sent this in already no response so here it is again how can they say they investigate and it was denied accuracy and it would stay on my 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 2019-09-06 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: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Since XXXX of XXXX Peoples United Bank was required to submit all account information including credit cards with XXXX XXXX XXXX and have failed to do so. They provided a letter to the OOC and CFSP indicated they forwarded the correspondence to XXXX and have responded that I am an authorized user so they can not release the records where my name is listed since XXXX XXXX is the primary cardholder. I have evidence of where XXXX XXXX fraudulently used a Peoples form in XX/XX/XXXX to say I had changed my address in XXXX CT, which he completed and I was living in VA. He used my income to open the account and most likely signed my name as a copy of my license and a XXXX branch employee named XXXX XXXX was in an envelope. With your help, Peoples provided the highly suspicious {$90000.00} worth of individual checks to XXXX XXXX and cashed over 3 years all at the teller counter. According to my friend of 42 years, and Human Resource manager at People United for 30 years, these transactions that spanned 3 years should have been investigated after the 3rd transaction in XXXX that totaled XXXX in cash through an account that was primarily dormant and opened by me and my mother in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Phoenix Financial Services LLC
State: GA

Complaint narrative:
On XX/XX/XXXX, I received a letter from Phoenix Financial Services alleging that I owed a debt for services rendered on XX/XX/XXXX, seven years ago. The debt was allegedly incurred in the State of Florida. The statute of limitations on such a debt in Florida is 5 years. I gave the letter to my attorney so that he may respond accordingly. 

Today, XX/XX/XXXX, I noticed a missed call from a number which appeared to be a local Georgia number. I called the number back. I did NOT hear the usual " Thank you for calling XYZ Business, etc. ". What I got was a real live man on the other end who asked for me by my maiden name. I replied " yes, that's me but that's my maiden name, who is this? '' to which he replied " Ma'am I don't have time to play charades with you '' and hung up the phone. Not only was his reply unprofessional ( I didn't even know at that time that I was supposed to be speaking with a professional ) but it made no sense. I tried calling back several times to try to find out what this was about and each time the phone rang the person would pick up and hang up. Finally, a woman picked up and identified the company as Phoenix Financial. At this point I was so angry and frightened that I could barely explain to the woman what had transpired with the previous caller. 

The practice employed by Phoenix Financial today was beyond unprofessional, it was abusive. Not only is this company acting outside the scope of the law, but they went as far as to frighten and intimidate me by having an unidentified man call me from a number local to me behaving much like a stalker and not like the representative of any company. What's worse is that the man that originally called me was so creepy and unprofessional that I truly fear what he would do with any personal information he may have on me.

It should be noted that I have monitored my credit closely over the years and have never seen a debt owed to this company on my credit report nor have I ever received any communication, written or otherwise, from this or any other company regarding the alleged debt, prior to XX/XX/XXXX, a date well beyond the statute of limitations for this alleged debt. 

As a XXXX XXXX survivor, I would also like it noted that Phoenix Financial went out of their way to obtain my brand new address and phone number apparently for the sole purpose of deeply frightening me being that the alleged debt has run its limitations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
My mortgage company is trying to pull my equifax report, and can not. I have called 6 times to equifax and spoken to 6 different people. I have used the live chat at equifax 3 times and no one there helps either. My mortgage company has the exact information that is on my copy of my equifax report. They can pull from the other 2 bureaus. Equifax will not help me. They tell me they will call, but no one ever calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
A check for escrow account over payment was issued by Bank of America, XX/XX/2019This check was sent to the wrong address and therefore never received.. When I became aware of this in XXXX I called the mortgage department of the bank and we clarified all information regarding mailing address and phone numbers. I was promised another check, which I have never received. Again in XXXX I called and spoke with the mortgage department we again verified all information and I was promised another check. Each time I was told they issued a stop payment and issued a new check. Again it was not received. After a couple of weeks I called again in XXXX and we went through the same process which ended in the same result. I called again XX/XX/2019, spoke with a supervisor and was promised a replacement check via overnight delivery and a phone call with a tracking number to be able to track the delivery. I did not receive either. I called again XX/XX/2019 to inquire about the overnight delivery. Again I spoke with a Supervisor, and after spending 40 minutes on the phone most of the time waiting I hung up and decided to complain. To date, XX/XX/2019 this issue has not been resolved. Each of these phone calls have taken at least 30 minutes of my time with no results and Bank of America holding on to {$760.00} for approximately 3 months. 

If you are able please resolve this for 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 monetary relief
Consumer complaint received 2019-09-06 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: NY

Complaint narrative:
I have reached out to XXXX and Equifax to do research into this invalid collection and provided documentation, no real investigation has been done. I continue to receive an update that says the collection is valid as per the collection agency but with no evidence that I owe this {$170.00} dollars. 
XXXX XXXX collection agency refuses to cease collection activity on a debt not owed to them. The original creditor in which they have stated I owe have been in communication with me via email and I have submitted letter and documentation that I no longer owe any amounts and my account was paid in full. The original creditor XXXX provided correspondence through its presidents office and stated on email I owe XXXX no more money and did mention there was a collection fee of {$170.00} left on my account that would be deleted as they did not use the collection agency, I paid the creditor directly. With this email the collection agency along with the credit reporting agency continue to report this account in which the debt is invalid. I have disputed the validity of this entire debt as I have no business with this collection agency I owe them no money and am not liable for a collection fee in which they collected no money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase representative messed up my accounts and sent me a replacement card, closed my previous account without my oral/written consent ( Please note : I am in a very good standing, no balance left unpaid whatsoever ). I found this very unacceptable and unprofessional. Apart from apologising, Chase did not do anything to make things right ( restore my account ) or to compensate for inconveniences caused. 

I also do not feel safe with my information if Chase employees are authorised to issue cards without my oral/written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-06 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: FL

Complaint narrative:
i have submitted several letters disputing inquires in my credit, there are still there 1.-XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, DE XXXX BYMAILONLY 2.-XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, IA XXXX ( 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 explanation
Consumer complaint received 2019-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BROKER SOLUTIONS, INC.
State: GA

Complaint narrative:
i contacted XXXX XXXX XXXX and XXXX XXXX also XXXX along with New American Funding about the inquiries on my credit tried to get them to remove the inquire from my report they said they would, later i contacted XXXX and XXXX to get them to remove them but was gave a death ear on the matter so now im contacting you all for help 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 2019-09-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Carter-Young, Inc.
State: GA

Complaint narrative:
Ive disputed this debt with this company several times and I have not received proper verification or response. At this point I would like this debt removed from my report Carter-Young , Inc . 

Account Details Original Creditor : XXXX XXXX XXXX Account # : XXXX Balance : {$100.00} Open Date : XX/XX/2014

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 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: FL

Complaint narrative:
i have submitted several letters disputing inquires in my credit, there are still there 1.-XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX DE XXXX BYMAILONLY 2.-XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 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:
With the help of Experian credit report agency, I submitted a dispute against XXXX XXXX and I received a notification that all the information is accurate and as a result none of the information on my credit score will be changed. Unfortunately, this account is fraudulent and was made with my consent. Someone with my personal information must of used my credentials to steal my identity.

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 2019-09-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
This home was sold in XXXX of XXXX.. in XXXX of XXXX while in the process of purchasing a new home we saw that Ocwen was reporting late payments on the account which was incorrect..While they where researching the account someone at Ocwen entered some wrong information into my credit report stating that the account was still open and delinquent!!! Well our new loan was denied and we almost didnt get the loan for the new house ... Well we finally got Ocwen to enter the correct info regarding the loan being closed and sold, but they never removed the delinquent payments on the credit report.. I have submitted several disputes for them to correct this info, but they have not corrected this info yet.. Once again there were never any late or delinquent payments on this account!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Statement balance was {$320.00}. Paid thru refund at store of {$360.00}. Store clerk stated that no further payment due at the time. Next statement charged late fee of {$27.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Since the credit breach with Equifax I have been unable to access my account online. I've made countless attempts by phone only to get automated questions, disconnected calls, transfers, etc. Representatives say their website is in maintenance and to call back after 2 hrs. Password resets don't work. They are not willing to mail my report. 
This company is in serious trouble. I only get emails inviting me for free credit scores and free credit report. When I click the link and answer all the questions the password won't work. They send a reset password to my email address only to have the same problem again. This has been going on for two years!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-06 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: OR

Complaint narrative:
On XX/XX/2018, I was notified on my XXXX XXXX app that I was Pre-Approved for a {$10000.00} debt consolidation/emergency loan. I applied for the loan that was through One Main Financial. One Main did a hard inquiry on my credit report but never called me, never asked for proof of income verification, never sent a letter of denial, never contacted me whatsoever. Now there is a hard inquiry from this company on my credit report but no loan which I was pre-approved for. I contacted XXXX XXXX by email. They made some excuses but never dealt directly with the issue. Now they show the same loan as Pre-Qualified. I would prefer to get the loan but I don't appreciate the dishonesty of either party.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I think I have identity theft

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 2019-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: U.S. BANCORP
State: NV

Complaint narrative:
I think I have identity theft

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