vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-27 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: MN

Complaint narrative:
The following credit inquiries listed on my Trans Union, XXXX and XXXX credit report is fraudulent and unauthorized : XXXX XXXX Bank, XX/XX/XXXX, XXXX XXXX XXXX Bank, XX/XX/XXXX, XXXX DC Bank XXXX XX/XX/XXXX, XXXX Bank Delaware XXXX XX/XX/XXXX, XXXX Bank XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Bank, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX Bank XXXX Credit, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX Bank XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX BankXXXX XX/XX/XXXX, XXXX Bank, XX/XX/XXXX XXXX XXXX XXXX Bank, XX/XX/XXXX and XXXX XXXX Bank, XX/XX/XXXX

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 2021-11-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I filed a dispute with Bank of America for a transfer via XXXX  one in the amount of XXXX and one in the amount of XXXX. I thought I was buying a kitten and it turned out to be a scam. The money was transferred from my bank off America credit to my checking account and then via XXXX. The scammers had multiple websites sending airport way bills and airplane schedule for the cat delivery as well as the actual website. additionally, the fraudsters name popped right up in XXXX before I had finished typing it in so they obviously use it and XXXX is not stopping the fraud. I discovered it was a scam and immediately contacted both Bank of America and XXXX. Neither asked for ANY of the documentation. I have 20 emails. Numerous text messages and phone calls but the bank did not look at any of and sent a letter denying the claim. It is my understanding they are required by regulation e to do the research into the claim. They asked only for one of the websites. They were uninterested in any of the emails, text messages, phone calls or the other sites. Additionally, Bank of America continue to promote using XXXX, which they partly own and obviously profit from, while not having XXXX  control, warn or delete known fraudsters and neither company claims any responsibility over the transactions they are making money on. I discovered through research that the fraudster is listed at fraud sites and XXXXbank of America should have known snd removed the fraudsters ability to use their system. They have responsibility if they are going to push this service to be sure they are controlling fraud. 
Thus happened on 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 2021-11-27 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: FL

Complaint narrative:
I recently checked my credit report and noticed an account by the name of XXXX XXXX XXXX reporting to XXXX credit bureaus XXXX & Equifax... I have never opened an account with XXXX XXXX XXXX .... I contacted the company and I was told that I am not in there system .... But for some reason they are reporting a Card with a balance of {$3300.00} .... This account is a fraudulent Account which I have no knowledge of .... When I checked my credit report I also noticed phone numbers, addresses, and my name spelled incorrect. I DECIDED TO GO TO MY LOCAL POLICE DEPARTMENT TO HAVE A REPORT COMPLETED DUE TO A FRAUDULENT ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 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: MN

Complaint narrative:
The following credit inquiries listed on my XXXX XXXX, Equifax and XXXX credit report is fraudulent and unauthorized : XXXX XXXX Bank, XX/XX/XXXX, XXXX XXXX XXXX Bank, XX/XX/XXXX, XXXX DC Bank XXXX XX/XX/XXXX, XXXX Bank Delaware XXXX XX/XX/XXXX, TD Bank XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Bank, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX Bank XXXX Credit, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX Bank XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXl, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX Bank, XX/XX/XXXX XXXX XXXX XXXX Bank, XX/XX/XXXX and XXXX XXXX Bank, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 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: MN

Complaint narrative:
The following credit inquiries listed on my XXXX XXXX, XXXX and Experian credit report is fraudulent and unauthorized : XXXX XXXX Bank, XX/XX/XXXX, XXXX XXXX XXXX Bank, XX/XX/XXXX, XXXX DC Bank XXXX XX/XX/XXXX, XXXX Bank Delaware XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Bank, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX Bank XXXX Credit, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX Bank XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXXXXXX XX/XX/XXXX, XXXX Bank, XX/XX/XXXX XXXX XXXX XXXX Bank, XX/XX/XXXX and XXXX XXXX Bank, XX/XX/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 2021-11-27 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: CA

Complaint narrative:
On XX/XX/XXXX I sent out my XXXX round of disputes and they still have yet to remove or respond any Information back. I have also spotted many inaccuracies and FCRA violations which is affecting the banking system and I am reaching out to the CFPB as an agent top remove this fraud information from my report.

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 2021-11-27 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: CA

Complaint narrative:
On XX/XX/XXXX I sent out my XXXX round of disputes and they still have yet to remove or respond any Information back. I have also spotted many inaccuracies and FCRA violations which is affecting the banking system and I am reaching out to the CFPB as an agent top remove this fraud information from my report.

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 2021-11-27 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: CA

Complaint narrative:
On XX/XX/XXXX I sent out my XXXX round of disputes and they still have yet to remove or respond any Information back. I have also spotted many inaccuracies and XXXX  violations which is affecting the banking system and I am reaching out to the XXXX as an agent top remove this fraud information from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: MI

Complaint narrative:
In early 2020, when covid first started, my husband 's hours were being cut. I called our mortgage company at the time, XXXX XXXX, to see if we could make a smaller payment, just for that XXXX month. I was told no. They told me about the forbearance option that they had. I asked for XXXX month and was told I HAD to do it for XXXX months. So we decided to go a head with it, since were unsure of what would happen over the next couple of months. I asked right then, about the repayment options. I was given XXXX. Pay in full after XXXX months, pay in a XXXX months of installments once the XXXX  months was up, by adding it to our current payment or add it to the end of the loan. Before the forbearance ended, in the third month, I called XXXX and told them that we no longer needed help, we would start paying our normal payment. ( I was getting calls from an automated system, asking if we needed a longer forbearance ) I asked if we could put those XXXX  payments at the end of the loan, and then was told that ours did not qualify for that option. Of course. Even though I was told before, that it was an option. So, we decided on the XXXX month repayment, which we are currently paying with our normal mortage payment. I saw that on our monthly statements, it showed we owed quadruple of our house payment. I called and I was told that they were in process of correcting it, they just had so many people with forbearance, that it could take time. I called one or two more times after that and was assured that I had nothing to worry about. Our loan was then transferred over to Shellpoint. It probably happened around XXXX. We wanted to look into refinancing or selling our current home to buy another, but were told that the report shows us XXXX days behind on our mortgage payments. I have NEVER missed a payment. We've only ever done the XXXX  day forbearance, which they made us do, even though I only wanted one month of a lower payment or one month forbearance. I also emailed XXXX regarding this issue. Our statement with Shellpoint, also shows the same that XXXX was showing. It says on the most current statement, datedXXXX, that our payment amount due is {$4100.00}. Our normal monthly payment is {$1400.00}. It says we {$2600.00}, is our " unpaid amount ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: BAM Management US Holdings Inc.
State: CO

Complaint narrative:
I attempted to establish a Binance.us account and provided a significant amount of personal information. The site indicated that there was a problem with address verification, which I attempted to correct a number of times ( I have lived at the same address for 10 years and submitted the exact documents they requested ). I sent numerous documents, emails and support tickets seeking assistance to fix the problem and never received a response. I then asked them to close, delete, or deactivate my account and received no response. I fear that this company is a fraud after months of attempting to make contact with no response. I provided personal information and now need verification that the information has been deleted or deactivated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 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: MN

Complaint narrative:
I am having an issue getting my free annual credit report from XXXX XXXX, Equifax and XXXX. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to one free credit report annually. Furthermore, I need XXXX XXXX, Equifax and XXXX to release my credit file and report to all lenders, creditors, banks and credit unions who need a copy of my credit report to review my credit report to offer me credit cards and installment loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I am having an issue getting my free annual credit report from XXXX XXXX, XXXX and Experian. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to one free credit report annually. Furthermore, I need XXXX XXXX, XXXX and Experian to release my credit file and report to all lenders, creditors, banks and credit unions who need a copy of my credit report to review my credit report to offer me credit cards and installment loans.

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 2021-11-27 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: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
I have sent letters to Credit Acceptance Corporation located at XXXX XXXX XXXX, XXXX, MI XXXX almost every two months, starting in XXXX of 2020. There are numerous inaccuracies on all three credit bureaus being reported as far as the late payments and past due dates. There has been no changes in the way its being reported and is affecting my credit very badly.

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 2021-11-27 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: MN

Complaint narrative:
I am having a problem getting my free annual credit report from XXXX XXXX, Equifax and XXXX. Under the Fair Credit Reporting Act ( FCRA ) I am entitled to XXXX free credit report annually. Furthermore, I want XXXX XXXX, Equifax and XXXX to release my credit report to all lenders, creditors, banks and credit unions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I am having a problem getting my free annual credit report from XXXX XXXX, XXXX and Experian. Under the Fair Credit Reporting Act ( FCRA ) I am entitled to one free credit report annually. Furthermore, I want XXXX XXXX, XXXX and Experian to release my credit report to all lenders, creditors, banks and credit unions.

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 2021-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
Today, XX/XX/2021, I received three items in the mail, one envelope containing an unsolicited debit card from Navy Federal credit Union and the other two, with a letter each describing The Important Rights on two accounts should these accounts become delinquent under New York law. 

First of all, I never applied for these accounts with Navy Federal, not have I authorized anyone to do so on my behalf. I immediately contacted Navy Federal via phone and was told I was most likely a victim of identity theft and that I should monitor my credit and use a credit monitoring service. I was also asked for my email and mailing information in order to receive a letter from them regarding this issue. 

My main concern is having someone using my identity to illegally open bank accounts and commit fraud, destroying my credit and finances in the process. This bank is in another state from where I reside. I have not lived in Virginia nor do I intend to do so in the foreseeable future.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
i had a td cash credit card with a rewards amount of XXXX points. the card was closed without my knowledge at the end of XXXX of XXXX i was never told that my card was closed even though i spoke with them multiple times about issues with my account as well as getting bill statements well after it was closed. i was also not told the reward points would expire after 60 days of card closing. i earned those reward points and what they should have done was send a check in place of the rewards instead of just ending them without so much as a phone call or email

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Experian XXXX XXXX charged my credit card {$26.00} on XX/XX/2021 for services that I had not applied for and that I do not need.

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 2021-11-27 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: MN

Complaint narrative:
I am having a problem and issue getting my free annual credit report from XXXX XXXX, Equifax and XXXX, I am entitled to under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I am having a problem and issue getting my free annual credit report from XXXX XXXX, XXXX and Experian, I am entitled to under the Fair Credit Reporting Act ( FCRA ).

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 2021-11-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
I got a loan with this company in 2018 and my payments were gon na be around XXXX with a apr of XXXXhis was a XXXX dollar car afther I wouldve paid nearly XXXX on the car .I was unemployed due to Covid and could make the payments .The car was repossessed on XXXX XXXX .The agent stated that their was notices sent to my house in regards to this .The agent was lying because I changed my address to the correct address before they even repossessed my car .I also know the people who live at the previous address they are my cousins .I stated I want all this documentation to sent to my house in regards to this matter because I wasnt informed after the repossession about getting my belongings or anything XXXX wasnt even informed about the auction .This company charge a interest rate of XXXX when the lXXXX rate is XXXX percent.

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 2021-11-27 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: CA

Complaint narrative:
I received dispute results from Experian about this bankruptcy stating that it was verified. First of all I submitted for verification of this bankruptcy and an item that was stated as being part of this bankruptcy. Both items are erroneous and the item claimed to be part of the alleged bankruptcy was deleted due to being unverifiable. The first problem is that I submitted my dispute in XXXX so why are you JUST sending results that were expected within 15 days. I know it did not take over 2 months for your investigation. As a matter of fact Experian did not even submit it until XX/XX/XXXX. The dispute letter and screenshot of submission are attached. The second problem is that Experian states that XXXX is their bankruptcy data furnisher and I sent the investigation results letter from XXXX that found this bankruptcy to UNVERIFIABLE and states that they deleted it from my XXXX report. So how is it even possible that Experian genuinely verified this item with XXXX. It doesn't exist! It was not properly investigated, only automated! The third problem is how can I have a bankruptcy with no items listed in it?! There are no items on my credit report as being included in a bankruptcy!

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