vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-03 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: GA

Complaint narrative:
I sent in letter to dispute the following items to all 3 credit bureaus & have not received a response in the 30 day period. I sent my letter in XX/XX/XXXX it is now XX/XX/XXXX. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
On XX/XX/2021, a 7 year old collection account disputed due to age. Account was successfully deleted from my credit report. I received an credit alert that a dispute was opened today XX/XX/2021 for the same deleted account which I did not initiate. The same day I received notification that the dispute was completed and the status was updated. The deleted account is now back on my credit report. I called and emailed Experian to resolve this with no answer. The account is too old to be on my credit report at all besides from it already being deleted once before. I shouldnt have to dispute this item multiple times a month. This is an unfair practice. I, XXXX XXXX XXXX authorize CFPB to look into this. I also authorize Experian to release my information to CFPB. I can be reached at 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 2021-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I used my Chase Freedom XXXX Card successfully at a XXXX 's XXXX XXXX XXXX  on XX/XX/XXXX. Since then, on two separate occasions, I have since been unable to use my card there. It gets declined for no valid reason. I have contacted Customer Service several times, I have also contacted Chase Executives, and I have been given every XXXX  excuse and lie in the book regarding this, but the problem remains. They have blamed everyone except themselves, whose fault it is

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I had received a check from a scammer on a pretext of employment stating that they check was for me to buy computers and other electronic hardware. It was a check worth XXXX and I deposited this check to my account on TD bank on XX/XX/2021. 

The funds were made available on Friday XXXX XXXX and the scammer asked me to withdraw {$6300.00} in cash and make a cash deposit to a XXXX XXXX XXXX account of the vendor who provides computers. I proceeded with what he had told. 

Later during the weekend i realized this was a scam and on Monday the check had bounced, I have lodged a police complaint and I have got the report that I was scammed and I was innocent. 

Now the TD bank have frozen my account and claiming that I need to pay {$6300.00}. I have no money and the bank are unwilling to unfreeze my account. 

PS : I also went to XXXX XXXX  XXXX but they were non-coordinating and said once the cash deposit is done nothing can be made to freeze or cancel it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2021 my credit score was XXXX Excellent. I had three derogatory items on the account at that time that I noticed were not mine. I filled a dispute on them. Two days later with Zero changes to my credit report my score dropped XXXX points to XXXX. 

I was told by Equifax that while the items were in dispute they are put on hold and that is calculated in the score. Which if that is the case at the very least my score stays the same or increased until the investigation if finished as they already reflected i a negative way on my current score of XXXX. 

I repeat nothing other than diputing three items has changed on my report since XX/XX/2021 but yet they took me from XXXX to XXXX overnight. 

It appears Equifax is penalizing me for filling a dispute on my report. 

There is no logical or ethical reason for my score to change as all my credit history is Exceptional with Zero balances. Hence the XXXX score prior to today. 

No one at Equifax can explain to me what has changed and or why they are penalizing my account. They state the three items are on hold and under investigation! 

XXXX XXXX says it from the on CLOSED Collection I disputed. But Equifax says is under dispute and nothing has changed on it. For one its Closed so at the very least it stays the same and at best they see it is not mine and remove it. Nothing can change as it is closed. It either stays on my report and my score stays the same XXXX or it comes off and my score goes up. One keeps my score the same the other increases. Not drop it XXXX points overnight.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I recently applied to refinance my mortgage. In the fall of 2020 I used the CARES Act to apply for & receive a forbearance on my mortgage. My lender, Citizens Bank, is requiring that I pay the entire amount due on the forbearance before they will process my refinance application. On XXXX, as of today, my house is listed at {$300000.00}. I owe {$8000.00} on the forbearance and {$140000.00} on the existing mortgage. Ive asked the lender to roll the forbearance amount into the mortgage balance as there is more than enough equity in the house to cover the outstanding amounts. They have denied my request without any explanation. They insist that I pay the forbearance amount before I can refinance. I think this is unfair and possibly illegal. If I could have paid the mortgage payments, I would not have requested the forbearance. Any help you can provide will be greatly appreciated. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NC

Complaint narrative:
XXXX - When I had my loan first set up with this company they used LoanCare to process the payments. 

I had a loan number ending in XXXX I would send payments through XXXX XXXX. 

XXXX XXXX quit using loan care, so I went back to sending them payments directly They changed back to Loan Care for servicing. 
I went ahead and made the change in XXXX XXXX. What I did not realize was they changed my loan number ending in XXXX I sent them 3 payments they SAY, they can not find. XXXX XXXX and I have sent them Trace ID 's and I have sent them Proof of Payments from XXXX XXXX. They have the account numbers. I've been calling them every week since XX/XX/XXXX. 

I can not get them to credit my account with the 3 payments.

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 2021-05-03 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: BARCLAYS BANK DELAWARE
State: OR

Complaint narrative:
I received a fraud allert on XXXX due to suspicious activity. At that time a new card was ordered and I reported XXXXwo charges to my account that I did not make. 
They were made on XXXX by XXXX XXXX XXXX XXXX for {$2.00} and {$3.00}. 
The cc company originally reversed those charges and then reinstated them on XX/XX/XXXX. 
I called the cc company on XX/XX/XXXX and asked for the charges to be removed since I did not make those purchases.They were made after my card information was stolen on XXXX. 
The cc company refused to remove them. 
There is alot of information online about that company XXXX XXXX XXXX XXXX XXXX XXXX.being used by skimmers to see if the card is usable. The card was not out of my possession on XXXX and I never made a credit card purchase at a vending machine. 
I want those charges removed asap. 
Thank you I

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 2021-05-03 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: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
I noticed that the XXXX and XX/XX/XXXX mortgage payment was reported late on my credit report. On XXXX I contacted XXXX at Wells Fargo and was told that my account was never more than 30 days late. I was told I would receive a letter stating this and that those items would be removed! However I received a letter dated XX/XX/XXXX stating that they could not remove the late payments stating I was late for XXXX and XXXX of XXXX. They also had incorrect dates on this letter as the house was sold on XX/XX/XXXX of XXXX and they had late payment of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They also stated in that same letter that they reported XXXX and XXXX of XXXX as current and paid on time! Yet my credit report states that XXXX and XXXX of XXXX were late! I called back on XX/XX/XXXX and spoke with XXXX at extension XXXX and told him that I still needed a letter stating the truth which was that XXXX and XXXX of XXXX were current. It was on the letter dated XX/XX/XXXX but it was confusing as they stated they wouldnt remove or fix it, but then stated they reported it as current on those dates and its reflects on my credit report, which is not so! I also told XXXX that the dates of XXXX, XXXX, and XXXX were not accurate since the home was sold in XXXX of XXXX and those dates were XXXX. XXXX stated he would send a letter. On XX/XX/XXXX he sent a letter with a history of conversations but nothing stating the truth of the inaccuracies! These issues are causing me hardship in purchasing another home for my family of 6.

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 2021-05-03 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: MS

Complaint narrative:
Not too long ago, i attempted to apply for a credit card and on XX/XX/2021 i was told that i have XXXX credit ( on equifax ) so i am unable to do so. This is not the first time i was told this. Over the years only my XXXX XXXX score will show up so it looks as if i have no credit. This has stopped me from acquiring a car, loan, home, etc. without a co-signer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In XX/XX/2021 I sent information to all three credit bureaus regarding a bankruptcy that was being inaccurately reported on my credit report. After contacting the Bankruptcy court I sent proof stating the information was inaccurate and that the bankruptcy court does not report such information to credit bureaus. I will attached the information that was provided to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAVALRY INVESTMENTS, LLC
State: CO

Complaint narrative:
Calvary Portfolio Services LLC contacted my mom XXXX XXXX XXXX XXXX and shared personal info about my debt, used robo calls sent to her phone ( that is on a do not call list ), and threatened a lawsuit against me to her if i didnt pay my debt. They also called my grandma ( XXXX XXXX XXXX and discussed my personal info and debt with her as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 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: CREDIT ACCEPTANCE CORPORATION
State: UT

Complaint narrative:
Credit Acceptance is reporting a debt on my credit file that I do not owe. I recently checked my credit and noticed this debt reporting on there. I have spoken to the attorney general of Utah and have confirmed that this is past the statute of limitation in UT. I no longer owe this debt and Credit Acceptance can not bind this debt to me or try to collect on this debt. I ask that they remove it immediately as this debt is no longer owed.

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 2021-05-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
This follows my first complaint ( complaint ID XXXX ) against Bank of America filed with the Consumer Financial Protection Bureau ( CFPB ). Two employees of the Bank hiding behind the fake names of " XXXX XXXX '' and XXXX XXXX '' told me that my accounts and credits cards were compromised. To fix these accounts and credit cards, they asked me to move my money to new secure accounts they will established in the Financial Fraud Prevention Department of Bank of America based in Michigan. The Bank did not seriously investigate my complaint but rather engaged in a futile exercise which consists in reviewing my bank of America checking accounts. In an email dated XX/XX/2021 to XXXX XXXX ( see attached Exhibit titled " Response_XXXX_BankOfAmerica_XX/XX/2021 '' ), I made the case by providing several critical clues that " XXXX XXXX XXXX and " XXXX XXXX XXXX are employees of the Bank in the Financial Fraud Prevention Department based in Michigan . Therefore, to properly investigate my complaint, the Bank must send a skillful player to the Fraud Prevention Department in Michigan to audit the work done there and identify the two persons behind these fake names. " XXXX XXXX '' is a XXXX male and " XXXX XXXX '' is a XXXX  female. " XXXX XXXX '' is an Officer in the Fraud Prevention Department and the boss of " XXXX XXXX '' who works directly with him. My request for the Bank to audit the Fraud Prevention Department was dated XX/XX/2021 and was acknowledged by Ms. XXXX XXXX in an email dated XX/XX/2021 ( see attached Exhibit titled " Response_XXXX_XX/XX/2021'' ). Both XXXX XXXX and XXXX XXXX are Senior Resolution Specialists for Regulatory Complaints at Bank of America. Today is XX/XX/2021 and so the Bank has received my request for an audit for exactly two months and eight days. The purpose of this follow-up second complaint is to ask Bank of America to provide me with the results of that audit. To confirm or refute my claim that the two scammers are employees of the Bank, the Bank must carry out this audit of the Financial Fraud Prevention Department based in Michigan. I made it clear in my request that should the Bank refuse to carry out the audit, then it must reimburse the totality of the money stolen from me by these two scammers. A total of {$200000.00} plus accrued interest on the {$68000.00} gift card charges sitting on four of my credit cards. The Bank must respond to give me the results of the audit now.

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 2021-05-03 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: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/2021 I was notified by my credit protection agency that XXXX XXXX XXXX XXXX issued a HARD INQUIRY on my credit history with Equifax. 
I believe my SS # has been hacked because a few months ago some one filed an unemployment claim in my name with the state of Illinois Unemployment Insurance. 
I contacted The XXXX XXXX XXXX asking them to provide proof that I was the individual requesting their Credit Card but they weren't able to prove it. 
One of the facts that proves fraudulent intent is that the application to open a XXXX XXXX Credit Card account was denied due to : Unable to verify information. 
Based on the above mentioned facts I reached out to Equifax requesting the removal of the HARD INQUIRY but they refused!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
FIFTH THIRD BANK, you recently received my Notice of Rebuttal on XX/XX/2021. 
This is in response to your deceptive letter from a member of your employed staff Named XXXX XXXX  who did not receive my permission to contact me nor view my personal, private and confidential information. Making false claims about " debt elimination schemes '' in an attempt to misrepresent my enforcement of my Federal rights as a Federally protected consumer is known as Material misrepresentation ( FRAUD ). 
As stated in my notice you were previously contacted on XX/XX/XXXX when I demanded an opt out of consumer credit reporting as is my right pursuant to 15 USC 6802 & 6803. You have defaulted on demand and have proven that you are willfully noncompliant with Federal Law protecting consumers, these matters are being well documented and all defaulted notices will become prima facie evidence if further legal action is deemed necessary. I do NOT owe you ANY alleged debts, and I have not borrowed any capital from you which means I do NOT owe you any alleged debts. Further more your claims are unsupported by Affidavits, or any documentary evidence of indebtedness as required pursuant to 15 USC 1666 making all of your claims hearsay. This further supports the facts as I have documented them, expressly the fact that I do NOT owe you any alleged debts as you claim. BE ADVISED, FIFTH THIRD BANK, you have 15 days to comply with my demands listed in the correspondence you received and the correspondence attached to this complaint as you are already in default of the previous notice. There is more than enough evidence to prove your attempts to willful mislead and deceive me through means of material misrepresentation of vital facts that have been purposely omitted by you the financial institution involved in this consumer credit sale/transaction. BE ADVISED, FIFTH THIRD BANK, you have committed several violations of Federal Law which have been well documented and will be used as documentary evidence and prima facie evidence should I be required to pursue legal action in these matters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Millco Management
State: NC

Complaint narrative:
I have a collection from AmeriFinancial Solutions , LLC dated ( XX/XX/2020 ) asserting a debt in the amount of ( $ {$570.00} ). This is currently reporting on my credit and it shouldn't be. I have reached out multiple times and have yet to get a response.

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 2021-05-03 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: SC

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation