vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-05 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: NJ

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
this is not a duplicate, please don't try to validate its been over 30 days which the law is very clear please remove. please review documents the Complaint/Dispute was received on XX/XX/2021 has been more than 30 days, and I have not received any proof that your company validated the debt.

Therefore, in accordance with s.1629e ( 8 ) of the debt collection practices act, which clearly states that any information know to be false, can not be reported to any credit bureau , I request that you immediately delete this information from my credit reports. 


previous two complaint ID 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 2021-04-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: OH

Complaint narrative:
We have contacted SPS and tried to work out something on out loan and they are not willing to help us. We feel that that they are using predatory lending practices to try to force us out of our home. 

On XX/XX/XXXX, I was laid off and reached out to them to get help under their unemployment plan that they offer. They denied us and sent us a repayment plan instead. It was for {$3100.00}. 

Also, they sent us a foreclosure notice and referred us to an attorney. I thought under the new stimulus package that President5 Biden signed, that all foreclosures were stopped until XX/XX/XXXX. They are violating this that was enacted by our president. I called them about this and they offered no answer or even discussed this. 

I had also asked about a forbearance plan and they denied this as well. 

We also asked about a new loan modification and they denied this as well. 

We sent them a payment on XX/XX/XXXX and they sent it back to us. 

We are trying to get this settled. 

We have not contacted an attorney yet. I wanted to see if there was one that was recommended. 

No matter what we do, they are denying everything and we feel we need some help as well as maybe an attorney.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my report. It has been well over 30 days and i haven't received any investigations results.

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 2021-04-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
Citi bank showed when I opened new eligible checking and savings accounts and deposited {$15000.00} within 30 days and maintain a minimun balance of {$15000.00} for 60 days, I could earn {$400.00} bonus. I opend checking and savings accounts on XX/XX/XXXX, and finished depositing total {$15000.00} on XX/XX/XXXX, and kept money until XX/XX/XXXX. However, I didn't receive the bonus ( XX/XX/XXXX ). I called the bank serval times, and they didn't solve my problem. They seemed to spin things out for as long as possible. I need help. Thank you!

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 2021-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
The banks manager is tampering with accounts, causing them to become frozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 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: FL

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
Consumer complaint received 2021-04-05 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: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXXXXXX XXXX XXXX ... XXXX  ( Original Creditor : XXXX XXXX ) XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TrueAccord Corp.
State: NJ

Complaint narrative:
TrueAccord sent my relative multiple emails regarding a collection. It was went from these emails on XX/XX/2021. Each email has info from an old collection account with XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX emails had all the debt info including amount owed and company owed to. I did not want my family to know my personal problems and this has caused me significant issues. Im not sure how they found this email address since its actually a business email that a family member has. They sent a total of 5 emails. Each email comes from a different individual. The emails were forwarded to me by the person who received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 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: NE

Complaint narrative:
The credit agencies are not complying with their own policies in a timely manner.

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 2021-04-05 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: NE

Complaint narrative:
The credit agencies are not complying with their own policies in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants and Medical Credit Corporation, Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX, I submitted the following complaint to Merchants & Medical Credit via the CFPB : " On my XXXX  credit report, there is an amount of {$470.00} owed to Merchants & Medical Credit. The original creditor is XXXX XXXX. This debt is not mine, it is for a debt of a school I never attended, and I was in another country at the time this debt originated. It would be in violation of FCRA 623 ( a ) ( 1 ) ( B ) if this information continues to be reported. There are 0 sections of the FCRA that prohibit deletion. '' On XX/XX/XXXX, the company responded with : " This debt is for a class in the fall of XXXX. The consumer attended class and received a passing grade. He made an echeck payment of {$300.00} on XX/XX/XXXX. The school says he still owes {$470.00} He has given us no information confirming he was out of the country at the time of this class. We see no reason to remove this from the consumer 's credit report. It makes no sense that someone would make a payment for a class he didn't attend. Nor, would another person take a class that would give credit to someone other than himself. '' For clarification, I have never made any payment towards this account. Secondly, I have never attended the school mentioned. Thirdly, I graduated from university in spring of XXXX from a school I attended from XXXX, and my transcripts show no record of this alleged class being taken. Fourthly, the company states a credit was given for this class, but as I just mentioned, this class is not shown on my final transcripts from the school I graduated from, therefore I never received any credit for it. Fifthly, the company has repeatedly been advised that this debt is not personally mine. This account remaining on my credit report continues to be in violation of FCRA 623 ( a ) ( 1 ) ( B ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Auto Trakk, LLC
State: PA

Complaint narrative:
Im in The process of buying my first home. My loan officer contacted me stating that I have a late payment within the 12 month period ( which disqualified me from being approved ). She stated that the late payment was from AutoTrakk and listed on the XX/XX/XXXX. I reached out to autotrakk on XX/XX/XXXX and asked if they could remove the late payment since we did not set up a payment arrangement and my account status is closed. They said they will look into it the issue. Also I requested a letter stating that the late payment that is on my credit report from XX/XX/XXXX is incorrect. They did write a letter however the letter did not mention the late payment. I called AutoTrakk back after receiving the letter and they asked me why did I need this removed so urgently and I told them. The person stated that if I could purchase a home then I could set up some type of payment arrangement to pay AutoTrakk back. I explain to them that as of now I did not have the funds to do that and all I need from them was to remove the late payment that was from XX/XX/XXXX. The person responded by saying that they could not do anything else to help me if I was not willing to set up a payment arrangement. Also they said verbatim Once that information is sent over to the credit bureaus, we have no knowledge of how they will interpret that information. It is all based off their own internal proprietary matrix that we do not have access to. I have the emails to support my issue. I did dispute this issue with XXXX  however they sent me a letter last week with contents from AutoTrakk inside of the letter. It had a fake ledger with a payment arrangement set up. I did not set up a payment arrangement. The last time that I spoke to someone at AutoTrakk prior to this issue was XX/XX/XXXX. The information on my credit report is completely false. The late payment from XX/XX/XXXX is completely false. Enclosed below I have uploaded the original emails from myself, my loan officer and the AutoTrakk representative. Also the letter that I requested from AutoTrakk, that did not include the late payment from XX/XX/XXXX. Due to false information on my credit report, it has held me back from having a stable home for my child and myself. I would like this issue to be resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: WA

Complaint narrative:
We had our first mortgage with XXXX lending until XX/XX/XXXX. The loan was sold to Flagstar Bank and our first mortgage payment with the new servicer was due on XX/XX/XXXX. The transfer from XXXX to Flagstar included the balance of the loan and an escrow balance of {$2600.00}. We made the XX/XX/XXXX payment to Flagstar which included the {$640.00} escrow payment bringing our total escrow balance to {$3200.00}. The loan was then sold back to XXXX XXXX. The XX/XX/XXXX mortgage payment was made to XXXX including the escrow. We refinanced in the mortgage and closed on that deal in XXXX of XXXX. We were expecting an escrow check from XXXX in the amount of the {$3200.00} plus the XXXX escrow payment. However, XXXX only sent the XXXX escrow amount as the indicate they never received the {$3200.00} from Flagstar Bank. 

I made my first inquiry to Flagstar Bank on XX/XX/XXXX. I have had multiple calls between both servicers. XXXX indicates they need proof of payment to research the case. Flagstar Bank has closed my case with them asking for the information 5 times over the course of three months. We still do not have our escrow money and neither company will help us. We need to find where this money is!

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 2021-04-05 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: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX  XXXX  XXXX ... XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

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 2021-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
In the process of using XXXX with Chase Bank App to pay AC replacement known recipient of {$1800.00} the system glitch had added a new and unknown recipient with just the phone # only. According to chase fraud claim that they are investing and they are saying that someone had to login under my name or password to have processed the XXXX transaction but did not recognize or acknowledge that a glitch in their system had caused the recipients to change. Specifically to a unknown phone #, it seems that chase claims is covering a known issue and covered by prompt responses from the fraud rep. As a assistant manager for mortgage servicing that has dealt with fraud of unknown items it seems chase fraud is trying to assume the situation and covering up the faulty chase bank app.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I closed my checking and savings account with CitiBank at the end of XXXX of 2021. There was a balance of {$10000.00} and I agreed to have CitiBank mail me a check with the balance. The representative said that it will take between 10-15 business days to receive the check. Five phone calls and two months later, I still have not received my check. I spoke with multiple representatives and their supervisors, but they can't resolve this issue and do not offer any alternative to sending a check.

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 2021-04-05 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: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX  XXXX  XXXX XXXX ... XXXX  ( Original Creditor : XXXX XXXX ) XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Once again Bank of America sends me a letter threatening foreclosure! Dated XX/XX/2021 The letter reads as follows- " Action needed - your loan is past due. 

We are writing to advise you that your home loan is past due. Our attempts to contact you to discuss payment assistance options have been unsuccessful. Our goal is to provide mortgage payment assistance, if needed, to help keep you in your home. 

What to expect If we don't hear from you to discuss payment assistance options, or if you don't make the payments needed to bring your account current, late fees may continue to accrue and your account may be reported as past-due to the credit bureaus. 

If your loan remains past-due once current investor- and state-based foreclosure moratoriums cease, we will e required to comply with applicable servicing requirements, including initiating or resuming foreclosure actions. It is important that you act now. 

We're here to help To discuss your eligibility for assistance programs, including loan modifications, please call us at, XXXX, Monday through Friday, XXXX XXXX. to XXXX XXXX. local time. 

Thank you for being a valued client. '' I once again called and spoke with XXXX XXXX and explained that this is an ongoing situation that Bank of America and I have been corresponding through the Consumer Financial Protection Bureau on numerous complaint platforms. 

She advised me that she would forward this to the resolution specialist. I said that this has been forwarded numerous times to no avail. 

As I said throughout, this loan was not a home mortgage loan! 
I informed Bank of America through CFPB with the following- Complaint # XXXX Dated XXXX Complaint # XXXX Dated XXXX Complaint # XXXX Dated XXXX Complaint # XXXX Dated XXXX Complaint # XXXX Dated XXXX Complaint # XXXX Dated XXXX The information within these complaints explains the facts and wrong doings! 

This recent letter from Bank of America has not been signed and has no mention of these complaints. 

I will continue to document Bank of Americas letters through the Consumer Financial Protection Bureau for the duration until a settlement can be reached.

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