vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-17 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: NJ

Complaint narrative:
On XX/XX/XXXX I reached out to Equifax regarding an inaccurate reporting of a public record on my file. I disputed this public record with Equifax on XX/XX/XXXX which was completed on XX/XX/XXXX. The results of this dispute were that the public record was deleted from my credit file. However, when I spoke to Equifax they told me it was reported back on. After speaking to a supervisor named XXXX, employee number XXXX, he informed me that he escalated the issue as a complaint. After asking him who/which department actually deletes these items he said there isn't and the computer does it. He then hung up on me after telling me he couldn't answer my questions. I called back and got " XXXX '' employee number XXXX and she then explained the same things to me and also told me they don't have information on any managers that I can speak to. None of them could help me and kept providing me with the same answers which seemed very predetermined responses. The way I was treated after challenging information that was inaccurately reported on my file was unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I received a text message from a number saying that there was an attempted fraud on my account and asked me to authorize this transaction to which I said no. I then received a call asking to verify a few things on my account and to send the money to a new account to close the current one that was compromised. After sending this money to my own phone number the person on the phone hung up and more than {$3000.00} was taken out of my account and XX/XX/XXXXto a random person.

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 monetary relief
Consumer complaint received 2021-07-17 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: NC

Complaint narrative:
I have tried unsuccessfully for Equifax to update my credit file. My information has been merged with someone else and it has been a nightmare trying to get this fixed. I have 2 bankruptcies, one is not mine. They have merged my birthday and social security number together. I have sent proof of my identity and they still reply that theyre information is correct although XXXX  and XXXX  reporting information correctly. Calling Equifax to speak with an American agent has not been helpful as well. They never sent my credit report or send it to the wrong person. Then they dispute information I have not authorized. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
Contacted company I have a membership with as well as the creditor who sent a debt collection of {$310.00} on a credit card fraudulently opened or was due to identify theft. I never opened a credit card with XXXX  Wholesale the only card I ever opened with them was a Military Member ID. Neither XXXX or XXXX XXXX can provide me information in regards to the credit card I never applied or authorized and I have no information on my account through XXXX Wholesale

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
Contacted company I have a membership with as well as the creditor who sent a debt collection of {$310.00} on a credit card fraudulently opened or was due to identify theft. I never opened a credit card with BJs Wholesale the only card I ever opened with them was a Military Member ID. Neither BJs or Comenity Bank can provide me information in regards to the credit card I never applied or authorized and I have no information on my account through BJs Wholesale

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: WA

Complaint narrative:
Our home mortgage was transferred to Specialized Loan Servicing on XX/XX/2021 from XXXX XXXX. I have been making the monthly payments. Last month, I got a notice in the mail that they had not received payment. Yet the online account shows up to date, as does the mailed mortgage statement. I was on hold for close to an hour to speak with a customer representative who stated that I was in fact up to date on the mortgage with a next due payment of XX/XX/2021. However today in the mail was again notice that Specialized loan servicing can not find my check ( it was an electronic from my bank to them and confirmed ). This is crazy making and scary as this is our mortgage. It is not okay.

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 2021-07-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was scammed by an escort service and chase bank nor XXXX will help me get my money back even after I reported the scammers

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 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: TX

Complaint narrative:
I was just looking at my credit report and found some errors relating to my payment history on some accounts. I have outlined the following incorrect late payments. Please fix these errors immediately and remove the late payments. If you are unable to do so, then remove the entire account since it is being reported inaccurately. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX were all on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: SD

Complaint narrative:
Chase Bank gave a card to someone else. I am a XXXX XXXX veteran in a wheel chair. I had a XXXX attach and a XXXX and I went XXXX but I see at distance but I can not read. I have had 1  card for 21 years. I never had a chase card. total amount {$720.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 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: PA

Complaint narrative:
I requested that late payments on my account be validated for XXXX XXXX account # XXXX and XXXX account # XXXX and XXXX XXXX XXXX XXXXK account XXXX XXXX this is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute of the validity of the reported late payment from my credit file your bureau provided me. to be more specific, based on FCRA 611 ( a ) ( 7 ) ( b ), you were required to forward all of the relevant information provided by you to the creditor for their investigation of my dispute. After contacting the creditor i have been led to believe that THIS did not take place. this is a clear violation of the FCRA and the FCBA. You DO UNDERSTAND that per your own definition of it, YOUR VERIFICATION process, that is, e-OSCAR, is a web-based, METRO 2 COMPLIANT, automated system. Undoubtedly this cements the DUTY to present to me writ composed physical evidence for every single one of the aspects to the proper XXXX enacted XXXX implemented Metro 2 data field formatted COMPLIANCE regulations and the standards of reporting practices as related to it. I have contacted the creditor and they have stated that they are unable at this time to document these payment irregularities, by omission the creditor is in direct violation of the FCRA-tort law example : Fields v. Wilber Law Firm, Donald L. Wilber and Kenneth Wilber, USCA-02-C-0072, 7th Circuit Court, Sept. 2004. I demand that you take action to correct your errors I request that you provide me with written documentation of how and what means you used to verify these payments. Under the terms of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ) I am exercising my rights and formally request that you provide a COMPLETE amended copy of my credit report when your investigation is completed for my records showing that these late payments have been removed. Should you feel, ERRONEOUSLY so, that the mis-information is adequately and COMPLET

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 2021-07-17 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: PA

Complaint narrative:
I requested that late payments on my account be validated for XXXX XXXX account # XXXX and XXXX  account # XXXX and XXXX XXXX XXXX XXXX account XXXX XXXX this is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute of the validity of the reported late payment from my credit file your bureau provided me. to be more specific, based on FCRA 611 ( a ) ( 7 ) ( b ), you were required to forward all of the relevant information provided by you to the creditor for their investigation of my dispute. After contacting the creditor i have been led to believe that THIS did not take place. this is a clear violation of the FCRA and the FCBA. You DO UNDERSTAND that per your own definition of it, YOUR VERIFICATION process, that is, e-OSCAR, is a web-based, METRO 2 COMPLIANT, automated system. Undoubtedly this cements the DUTY to present to me writ composed physical evidence for every single one of the aspects to the proper XXXX enacted XXXX implemented Metro 2 data field formatted COMPLIANCE regulations and the standards of reporting practices as related to it. I have contacted the creditor and they have stated that they are unable at this time to document these payment irregularities, by omission the creditor is in direct violation of the FCRA-tort law example : Fields v. Wilber Law Firm, Donald L. Wilber and Kenneth Wilber, USCA-02-C-0072, 7th Circuit Court, Sept. 2004. I demand that you take action to correct your errors I request that you provide me with written documentation of how and what means you used to verify these payments. Under the terms of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ) I am exercising my rights and formally request that you provide a COMPLETE amended copy of my credit report when your investigation is completed for my records showing that these late payments have been removed. Should you feel, ERRONEOUSLY so, that the mis-information is adequately and COMPLET

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Last XXXX, I was notified by Bank of America that my automatic mortgage payment would not happen, due to their implementation of a new servicing system. So, in order to ensure my payment arrived on time, I manually made my payment. Then I was notified that my automatic payment was processed, resulting in two payments. I asked them to apply the 2nd payment to the following month, but for the next 5 months, they made repeated mistakes in correcting the loan payment, warning me about delinquency and even charging me late fees. Finally in XXXX, they resolved the issue and reversed all of the fees. I made my XXXX payment with no issues. 
Using their online banking application, they sent me an electronic bill for my XX/XX/XXXX Payment. I paid that payment on XX/XX/XXXX. Around XX/XX/XXXX, the notified me that I was late for my XX/XX/XXXX payment. I looked online and found they applied the XX/XX/XXXX electronically billed payment as principal curtailment. I need this corrected in less than 5 months. I have spent many many hours on the phone with them trying to resolve this. 

Here are the previous ticket numbers created by thier service desk and central escalation office. 
XXXX XXXX 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 monetary relief
Consumer complaint received 2021-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: NE

Complaint narrative:
Wednesday XX/XX/XXXX I received a email from Chime stating they were closing my account stating I am not in compliance with their internal policies. This is what the email stated : After a recent review, your account was found to be not in compliance with Chime 's internal policies and your account agreement. Your account has been closed by Chime and is not eligible for a refund. For more information please review the section titled Amendment and Cancellation in the Chime Deposit Account Agreement : https : XXXX. To potentially access any remaining funds provide context and docs proving authorization of the following transaction ( s ) : XXXX XXXX XXXX {$650.00} XX/XX/2021 Kind Regards, XXXX | Chime Support I went back and forth through automated emails and finally got someone to tell me what I need to provide. So I provided a picture of my original unemployment letter, picture of my photo ID and photo of a bill with my address. Unemployment payment have been being deposited to this same account since XXXX without any issues. I can not contact anyone by phone. I did call XXXX unemployment and they have no idea why my bank is asking for additional information and will not return my funds. A deposit for my XXXX  child tax credit is what they now have holding. I can not access the exact amount of what was in the account but it was about {$450.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am a XXXX XXXX XXXX man, but because of a XXXX I sometimes behave as a very young teenager and my mother has to handle my finances and doctor 's appointments. i had an account with Capital One where my part time paycheck was deposited. I received a fraudulent check on XXXX and without knowing I tried to deposit it on my Capital One account and the bank closed my account and sent me a check for the balance on the account of {$420.00} dollars. I kept the check uncashed and when I gave the check to my mother I was already over 360 days. My mother does not speak XXXX and she tried to get some help to call the bank and explain the problem. My mother needed some help to explain the problem in XXXX. today my mother asked my XXXX to help me call the bank and try to get my check reissued. i had to talk to the bank representative and use my phone to verify my identity, but the representative informed me that because I did NOT cash the check which was issued on XX/XX/2019, it had expired and I had lost my money. I really do not understand why the bank could not issue a new check when other financial institutions are able to do it. The New York XXXX Funds has checks for years without being cashed and are waiting for the owners to claim it. I think Capital One practice only benefits the bank and does not take into consideration cases of those with XXXX or XXXX adults. I have caused some stress to my mom by sending money to scam callers in the past and so on. Can someone help me get my hardworking money back?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 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: PA

Complaint narrative:
RE : XXXX  NOTATION : I AM A VICTIM OF FRAUD, IDENTITY THEFT, and or BOTH and I HAVE IDENTITIFIED this ACCOUNT and its derogatoriness as being associated with the above-mentioned unfair circumstance. As is my consumer right to do so, I here now DEMAND BLOCKAGE of this claims reporting and additionally demand ERADICATION of claims debt ( s ), if any, should the alleged data furnisher fail to timely and adequately validate the claim in whole in writ document form undoubtable. I FURTHER DEMAND that any associated events and or accounts and or inquiries and or reported data be as well fully eradicate and permanently so. FRAUDULENT events OR those resulting from identity theft can NOT be adequately compliant in its report-ability NOR its adequate ethical collectability and the DEMAND is that either is to cease immediately and permanently.

I am a Victim of identity theft. The Information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. { Identity item ( s ) resulting from identity theft that should be blocked, by name of the source, such as credit card issuer or bank and type of items, such as credit accounts, checking account. Etc. } Please Block this information from my credit report, pursuant to section 605B of the fair c redit reporting Act, and send the required notifications to all furnishers of this information Enclosed are the following : A copy of my Identity Theft Report and proof of my identity. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from Identity Theft within four busine
ss days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply.

Identity Theft Report Proof of Identity Copy of Credit Report Fair Credit Reporting Act section 605B

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 2021-07-17 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax is once again reporting false information. I keep having this dispute with them. They are now reporting that my balance on my XXXX XXXX account is {$440.00} despite knowing this information is incorrect. I dont know why its legal for them to knowingly report false information, They keep doing this. It is abundantly clear from the letter I received from the Collections company that was collecting this debt that I only owe {$350.00}. Equifax reported correct yesterday now in retaliation for me filing a complaint against them they are once again reporting false information. I am so tired of dealing with this. I am getting ready to pursue legal action against them. Read the letter from XXXX XXXX. They show a balance of {$350.00}. XXXX Equifax them selves showed a balance of {$350.00} today they show a balance of {$440.00} ( see screen shot. ) They know this balance is incorrect yet they allow it to be posted anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 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: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. 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 non-monetary relief
Consumer complaint received 2021-07-17 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: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation