vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-18 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: AL

Complaint narrative:
First and foremost I am submitting this complaint on behalf of myself and not a third party. this is my second request about this matter and I dont know what the problem is with Equifax and XXXX not abiding to the laws. I am a victim of identity theft and they are still reporting this information after I have already sent the proper documentation about these fraud accounts. I'm tired of this inconsistency with these credit reporting agencies the only one who seems to follow the laws is XXXX in this case. According to the FCRA law once the consumer makes it aware with documentation these fraudulent account should be deleted within 4 business days it has been over 4 months!! what is the problem? I have been trying to secure a home for my family and this fraudulent information that is being reported is causing me emotional stress and a financial burden because of lack of compliance from Equifax and XXXX as they continue to ruin my reputation by reporting this false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am invested in a XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Texas. They were returning my investment via Wire Transfer from their account to mine via XXXX XXXX ( their bank ) via Chase into XXXX XXXX, where my account is- under the name of XXXX XXXX XXXX, XXXX. The original wire was made XX/XX/XXXX ( see attached IMAD # ) but the wire issuer made a single digit mistake - making the first digit a " XXXX  '' instead of a " XXXX  '' - which stopped the wire. We attempted to contact CHASE who received the wire, but repeated phone calls and emails to Chase 's wiring department went unanswered - phone calls said " because of XXXX, then hung up '' every single time. We had no way to contact them. On behalf of myself, the recipient of the funds ( {$23000.00} ), XXXX XXXX initiated a recall on XX/XX/XXXX furthermore I contacted CHASE where I have a credit card and they said they could do nothing. Since our recall, neither XXXX XXXX, XXXX XXXX, XXXX XXXX or myself have gotten no response. If we call they have a recording " because of XXXX we can't take this call or something to that effect '' - and hangup. As we approach the holidays, it's going on 90 days and it is now creating significant hardships and we see no alternative but to write the CFPB as Chase will not return my money and there is no other recourse. Please see the attached two documents that show the initial WIRE AMOUNT - the mistaken Account # ( XXXX XXXX not XXXX XXXX ) and the IMAD # of the wire made. CHASE Is holding my money and will not give it back or communicate. The recall on XX/XX/XXXX has done nothing. In addition, XXXX XXXX below ) also made a second wire for {$10000.00} I believe, which they are also in possession of and will not return. 
Please email me if questions XXXX or call XXXX XXXX XXXX XXXX XXXX - key contacts involved are below. 

Cc : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | XXXX, WA ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19 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:
XXXX XXXX Representatives keep constantly calling and harassing me repeatedly about a debt I dont owe and accounts thats not my accounts or debt. I been receiving phone calls from XXXX XXXX Representatives using profane and vulgar language against me, sending me litigation notices of me being arrest, took to jail, and sent to prIson for a debt thats not my debt or account. I am very afraid right now because, I been receiving death threats from XXXX XXXX Representatives as well.I fear I might lose my life and die because of the constant harassment and death threats I been receiving. XXXX XXXX has reported the fraudulent debt and accounts to Equifax and XXXX, and the fraudulent accounts and debt is currently listed on my credit report. XXXX XXXX is currently in violation of the Fair Debt Collection Practices Act ( FDCPA ) under 15 U.S.C 1692 under federal law. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/1974, XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Geez, do you think I'm an idiot? This is the second time that you have caused me harm. I don't know if you could care less or are incompetent... 
I asked you to deal with the problem that you are listing my husband 's mortgage somewhere around $ XXXX on a house that is worth $ XXXX. That is, the mortgage is worth around $ 25 % of the value of the house. 
In addition, as I mentioned, we own two houses free and clear that are worth over {$1.00} million with no mortgage. The addresses of my other houses that are paid in full follow : XXXX XXXX  XXXX in XXXX XXXX, XXXX, TX XXXX XXXX  XXXX, XXXX, TX XXXX I'll try to attached pdf documentations as such And keep in mind that we always pay our debts in full every month. 
Yet you all have the *. * nerve to actually think you can con me into believing you have done something when every one knows the XXXX is not the score that matters- or the banks look at. The problem is that you *. * are listing our minor mortgage as a credit card get, which is getting y credit card companies in a flurry. It is the reason that one of my credit card companies cut my credit in half because of this and there are signs more will happen. 
I know that you would never have let us know anything if it weren't for the XXXX. You are supposed to fix the problems you caused, not to create fake fixes to make me go away.

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 2021-12-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Albert Corporation
State: NV

Complaint narrative:
I requested to get my money back from Albert App on XX/XX/XXXX and they keep telling me they can not because a bank account that is closed can not reconnect to their portal. 

I provided all documentation they asked for and they are not honoring it because they can not connect to XXXX XXXX accounts which are no longer active because all XXXX XXXX accounts changed to XXXX Bank with new accounts and routing numbers. 

They do not offer phone support or any person for me to interact with to solve this. They are currently holding {$340.00} of my money that I requested sent to me by check on XX/XX/XXXX. After spending 3 days working with them through texts and emails. 

I also attempted talking to XXXX and XXXX, both of which told me they could do nothing about it because it is not Fraud and involves internal systems for Albert. 

Albert App banks with XXXX Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monterey Financial Services LLC
State: TX

Complaint narrative:
MONTEREY COLLECTION IS REPORTING AN ACCOUNT TO MY CREDIT REPORT THAT HAS INCONSISTENT AMOUNT OF BALANCE. IT CONCERNS ME HOW THIS ACCOUNT KEEP COMING BACK VERIFIED EVEN IF I HAVE TRIED MANY TIMES TO ASK FOR VALIDATION. PLEASE SEE ATTACHED SNAPSHOT FOR THE INCONSISTENCY. THIS IS THE TRACKING # XXXX FOR THE VALIDATION LETTER I FIRST SENT AND YET THEY NEVER RESPONDED TO EVEN AFTER COUPLE MORE LETTERS

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 2021-12-19 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: SC

Complaint narrative:
I have disputed unauthorized inquiries that appear on my credit report. Unfortunately, Equifax has not removed any of these items or provided proof that I initiated that inquiries or that a investigation was even conducted. The unauthorized inquiries are as follows : Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : CXXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Creditor : XXXX  Inquiry Date : XX/XX/XXXX Creditor : XXXX  Inquiry Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19 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: CT

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

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 2021-12-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America sets weekend due dates for the payment of monthly credit bills. However, they DO NOT ALLOW PAYMENT on their site on weekends which allows to them to charge late fees. 

For example, I had a credit card payment due on Sunday, XX/XX/XXXX. On Saturday the XXXX, I attempted to pay the bill on the Bank of America site. When I tried to select the payment date, as required by their system, it would not let choose the XXXX ( or the XXXX ). I was forced to select the Monday, the XXXX which makes my payment late allowing BOA to charge a late fee.

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 2021-12-19 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:
XXXX XXXX Representatives keep constantly calling and harassing me repeatedly about a debt I dont owe and accounts thats not my accounts or debt. I been receiving phone calls from XXXX XXXX Representatives using profane and vulgar language against me, sending me litigation notices of me being arrest, took to jail, and sent to prIson for a debt thats not my debt or account. I am very afraid right now because, I been receiving XXXX XXXX from XXXX XXXX Representatives as well.I fear I might lose my life and die because of the constant harassment and death threats I been receiving. XXXX XXXX has reported the fraudulent debt and accounts to XXXX and Experian, and the fraudulent accounts and debt is currently listed on my credit report. XXXX XXXX is currently in violation of the Fair Debt Collection Practices Act ( FDCPA ) under 15 U.S.C 1692 under federal law. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/1974, 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 2021-12-19 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: Marlette Funding, LLC
State: MN

Complaint narrative:
Best Egg Representatives keep constantly calling and harassing me repeatedly about a debt I dont owe and accounts thats not my accounts or debt. I been receiving phone calls from Best Egg Representatives using profane and vulgar language against me, sending me litigation notices of me being arrest, took to jail, and sent to prIson for a debt thats not my debt or account. I am very afraid right now because, I been receiving death threats from Best Egg Representatives as well.I fear I might lose my life and die because of the constant harassment and XXXX XXXX I been receiving. Best Egg has reported the fraudulent debt and accounts to XXXX and XXXX, and the fraudulent accounts and debt is currently listed on my credit report. Best Egg is currently in violation of the Fair Debt Collection Practices Act ( FDCPA ) under 15 U.S.C 1692 under federal law. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/1974, XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: AMALGAMATED TOKEN SERVICES, INC.
State: ID

Complaint narrative:
I signed up for a Coinlist account on XX/XX/11 through a referral that offered {$10.00} in XXXX for buying or selling {$100.00} worth of assets in a single trade, subject to a {$20000.00} monthly pool, as long as the trade is made in 90 days. Coinlist proceeded to take nearly two months to approve my account but eventually it was approved and I deposited {$100.00} on XXXX and made a transaction of XXXX XXXX for {$100.00}. This date on the fourth of the month was well within the time period that the {$20000.00} monthly pool was valid. I have not received the referral bonus yet despite multiple messages.

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 2021-12-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
After getting approved for a spark credit card they abruptly shut down my card without giving any explanation. When asked what will happen with my XXXX $ in rewards I had left they assured me Ill receive a check within 1-2 weeks. It has now been 6 months and when I call they say they are not allowed to talk to me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-19 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: OH

Complaint narrative:
This complaint is being filed by myself, not a credit repair company so please don't respond using any false stall tactics. On XXXX I sent a letter regarding unknown inaccurate accounts and inquiries on my credit report and I have yet to receive a response. I feel like I'm being taken advantage of because it has been well over 60 days that my disputes have went ignored! Section 611a 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 well over 60 days so those accounts and inquiries should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation because of the stress you have caused from blatantly violating my consumer rights. My information was also impacted by the XXXX XXXX XXXX and may have gotten 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 non-monetary relief
Consumer complaint received 2021-12-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP
State: NV

Complaint narrative:
First they canceled my card for NO REASON. Then they reinstated my card after I told them I wanted them to CLOSE my card and I transferred the balance to another bank. I received a letter in the mail telling me they received my request to CLOSE my account. On XX/XX/XXXX I called to find out why my card was not closed. I was told it takes a billing cycle. Today is XX/XX/XXXX and I had to call again because my account is not CLOSED. EVERY SINGLE time I have to sit on hold 1/2 hour to get to someone who tells me they can't do anything. This time he said it should be closed. But he can't tell me why it isn't, or what will be done to close it or WHEN? I want my credit card CLOSED. This is ILLEGAL TO REFUSE TO CLOSE MY CARD. I HAVE A ZERO BALANCE. I DON'T WANT TO DO BUSINESS WITH THIS XXXX  COMPANY.

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 2021-12-19 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Today is Saturday, XX/XX/2021. 
My current CapitalOne Credit Card Account standings are as follows for account ending in XXXX : Credit limit : {$4500.00} Balanced : - {$6300.00} Past Due : 90 Days Amount Past Due : {$490.00} Credit Used : 139 % These Numbers do not add up. 
139 % of {$4500.00} is {$6200.00}. Yet I owe {$6300.00}, which is more than my allowed ( formerly agreed upon ) limit of credit of what has apparently become 139 % of its original self. 

Furthermore, $ XXXX {$4500.00} = {$4900.00}. 

How do I owe over {$6000.00} with only {$490.00} in accrued past due amount? 

Please help me. 

My account went into collections randomly as well. My card ending in XXXX was immediately allowed its maximum credit limit to be overdrawn to 139 % of its allowance after being filed into collections conveniently timed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19 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: OH

Complaint narrative:
This complaint is being filed by myself, not a credit repair company so please don't respond using any false stall tactics. On XXXX I sent a letter regarding unknown inaccurate accounts and inquiries on my credit report and I have yet to receive a response. I feel like I'm being taken advantage of because it has been well over 60 days that my disputes have went ignored! Section 611a 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 well over 60 days so those accounts and inquiries should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation because of the XXXX  you have caused from blatantly violating my consumer rights. My information was also impacted by the Equifax Data Breach and may have gotten in the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: IN

Complaint narrative:
On around XX/XX/2021 I called Rocket Mortgage to start a pre-approval for a Morgage. I was in the process of changing jobs as my previous job I could not receive an eligible amount to finance a home and my new job would allow it. I was approved for {$140000.00}. Although I glanced around, I waited uintile XX/XX/2021 when I started my new job before I went to search for a home. 

I found a home on XX/XX/2021. On XX/XX/2021 they came back with a counter offer which was accepted. 

In the process of going through the mortgage process on XX/XX/2021, Rocket Mortgage asked for a good faith deposit of {$500.00} to process the application. I paid my Earnest Money to the broker in the amount of {$500.00} and I also paid Rocket Morgage {$500.00}. This was 2 different tranactions, one in a check, and because the second {$500.00} just sort of caught me on complete surprise, one on a credit card.

The very next day, I was attempting to fill out all of my paperwork. In the one section it asked how many people were going to be living in the house and how many dependents would be living in the house. I was attempting to be completely honest and say that there would be 2 adults living in the house eventually ( after my father sold his house the plan was that he would come live with me ) and 0 dependents. They came back and asked for my fathers income. I explained at this time that my father has a house currently and that it may take anywhere from a month to a year for him to sell it and then it may happen. I also told them if they ever asked for this information again that I would fire them from being my broker. This was XX/XX/2021. 

They allowed me to adjust the adults living in the house to 1 with an explanation letter explaining this. This was on XX/XX/2021. 

On XX/XX/2021, they called me and demanded my fathers 1099 because there was a potential that he would be living with me after I got the house with the explanation being that he would be my dependent afterwards if he moved in with no income. 

My father is XXXX years old, a military veteran, someone who just lost his wife to XXXX in XXXX after she was diagnosed with XXXX in XXXX. I fired Rocket Morgage on XX/XX/2021 for there practices. 

On XX/XX/2021 I received an email from Rocket Mortgage attempting again to give them my fathers information.

Company response to consumer: Closed with monetary relief