vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-30 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX is being reported late for the months of XXXX and XX/XX/2020. I explained to the XXXX XXXX that I traveled to XXXX in XXXX and contracted the XXXX XXXX and was severely ill and out of work. I was unable to pay my bill due to my illness. I paid the months that they claim were late as soon as I was released from the hospital. It is a national state of emergency and they are refusing to update their credit reporting. at no time did my wife receive any correspondence that my payment was going to be late and make future arrangements with the company. XXXX XXXX was always paid on time. They reported to XXXX, XXXX, and Experian 30 day late in XXXX and XXXX and I was understood that they would not reporting negative credit during this pandemic.

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 2020-04-30 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: NC

Complaint narrative:
I have been a victim of identity theft for several months. Each month I get a credit report now to ensure that everything is correct and accurate. In XX/XX/2020 I received all three credit reports and there were several fraudulent information. I sent a package to all three credit agencies stating what information was fraudulent. In XX/XX/2020 I received a new copy of all three credit reports and some of the old information was still on the reports plus there was a new account. I sent all three credit agencies a new package listing all of the information that was being reported incorrectly and that was fraudulent. I have not received my XX/XX/2020 report as of yet but from what I can see on the agencies website the information is still on my report and nothing has been done to remove it. I have attached a copy of both packages I sent in XXXX and XXXX, a copy of my driver 's license for address verification, a copy of ssn card for identification, and a copy of my identity theft affidavit.The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. I have not obtained possession of goods, services, or money as a result of the blocked transaction or transactions. Also, I have not authorized these transactions or authorized anyone to use my information to open these transactions. It is the result of identity theft. 

Fraudulent information : Installment Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 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: NC

Complaint narrative:
I have been a victim of identity theft for several months. Each month I get a credit report now to ensure that everything is correct and accurate. In XX/XX/2020 I received all three credit reports and there were several fraudulent information. I sent a package to all three credit agencies stating what information was fraudulent. In XX/XX/2020 I received a new copy of all three credit reports and some of the old information was still on the reports plus there was a new account. I sent all three credit agencies a new package listing all of the information that was being reported incorrectly and that was fraudulent. I have not received my XX/XX/2020 report as of yet but from what I can see on the agencies website the information is still on my report and nothing has been done to remove it. I have attached a copy of both packages I sent in XXXX and XXXX, a copy of my driver 's license for address verification, a copy of ssn card for identification, and a copy of my identity theft affidavit.The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. I have not obtained possession of goods, services, or money as a result of the blocked transaction or transactions. Also, I have not authorized these transactions or authorized anyone to use my information to open these transactions. It is the result of identity theft. 

Fraudulent information : Installment Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Inquiries : XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I had run my credit report and I found out that I had a debt collection reported on my credit by seeing this I had send them letters explaining this debts is not correct that this debt was taken care when I had purchase another car and the lender had taken care of the debt prior to purchase a new car after which is already more that 6 years never had any information on this matter. So when I saw this I deiced to write a letter to them and to the bureaus which I also send a copy of the letters of respond by Ally on XX/XX/2020 I had send a registered certified mail to let them know what is this ( see attached document ) On XXXX XXXX Ally had respond me stating that they could not find any information regarding this account and they need more information from me which some of it I do not have since I do not have the car and the other information they have it on records since i am receiving respond from them and if I am in collection they should have all this information on file ( see attached respond ) On XXXX XXXX I send them a respond to there letter and I have not heard anything else. 
On the same dates as I send the above letter I also send the same documentation to XXXX  to see if any of them can correct this mistake

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 2020-04-30 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: Mercedes Benz Financial Services
State: NV

Complaint narrative:
Sir/Madam, I wish to dispute a late fee that was passed on to the Reporting Bureau. This is in reference to Mercedes Acct # XXXX. Vehicle - XXXX Mercedes Benz XXXX convertible. The late fees were for XXXX and XXXX of XXXX. We are also asking to vacate the 30 day+ overdue on this Acct. The Covid-19 virus has disrupted my life and I'm trying to get back on track. Please contact Mercedes Benz Finance at XXXX continue the dispute process. 
Respectifully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 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: NJ

Complaint narrative:
I am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2020-04-30 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: NJ

Complaint narrative:
I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
XXXX XXXX XXXX charges of {$380.00} were claimed as fraudulent charges. 
Received letter from Bank of America that fraudulent claim on account ending XXXX had been resolved and would be removed from my account. Previous account of XXXX Mastercard ending in XXXX was also involved but had been cancelled and closed. I also requested account ending in XXXX be closed and card cancelled. Subsequently I received a new card with account ending in XXXX. I never activated nor used this card but my statement arrived under the XXXX account with the fraudulent charges still on it. I attempted to rectify this by phone but was instructed by Bank  America employee to phone the vendor and tell them to stop billing me. This was absurd because I have no idea who the vendor was nor had any contact with them. Recently received my XX/XX/20 statement with the fraudulent amount on it plus late fees and interest fees on the fraudulent charges. Please assist in having these charges and the inaccurate reporting of the same on all three credit reports rescinded.

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 2020-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION
State: MO

Complaint narrative:
My husband, XXXX XXXX, passed away on XX/XX/2017. Since that time, I have made every effort possible to resolve the outstanding mortgage on the property with SN Servicing Corp. I do not have the financial ability to maintain his mortgage, so I have repeatedly requested short sale consideration. SN Servicing Corp maintains that the owner of the note will accept no less than $ XXXX net proceeds for the property. Unfortunately, just as I do not have the financial ability to pay the mortgage, I far from have the financial ability to complete the repairs necessary on the property to obtain an offer that would net them such proceeds. SN Servicing corp refuses to complete an interior inspection, bpo, or appraisal of the property, such as is standard with most all other banks and servicer 's to determine the true value of the property as is. I am a widow, this is not my house or debt, and all parties are just looking to come to a mutually beneficial agreement for both the owner of the note and to resolve my late husbands estate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
In XXXX of 2020 I filed a dispute with the three credit bureau ( XXXX, XXXX, and Transunion ) about an account that was reporting inaccurately on my credit report which was XXXX XXXX  account number XXXX XXX. I asked for methods of Investigation from all three credit bureaus and received nothing from them. But XXXX  removed this inaccurate account on my credit report which was correct to do according to the FCRA. But Transunion and XXXX  did not send me any method of Investigation nor any reason why they were leaving it on my account. Which leads me to believe that there was not a full investigation.i sent another dispute in XX/XX/2020 about this account and it came back verified. How is it that XXXX  removed it because of the inaccuracies which is correct according to the Fair Credit Reporting Act, but XXXX  and Transunion Deemed this accurate. I'm asking that they remove this account immediately According to the rules of the Fair Credit Reporting

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 2020-04-30 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: PA

Complaint narrative:
I have talk to Equifax several times regarding my credit report. My account from Equifax, is not showing all of my correct accounts. Ive talk to an supervisor XX/XX/XXXX, to remove the fraud alert and remove the incorrect date of birth from my my credit report. Equifax had two DOB XX/XX/XXXX, XX/XX/XXXX for me, my correct birthday is XX/XX/XXXX. However XX/XX/XXXX account had all of my correct credit information. They were supposed to update and merge my correct birthday. XX/XX/XXXX had incorrect information on that credit file. Proof to show, that account from peoples commerce was removed. My score is incorrect, it still has not updated. My accounts are incorrect, it still has updated. The supervisor gave me confirmations that my credit report was updated and it still has not. I have many positive accounts, none is showing on my credit report. Im in the process of buying a home, however so can not because my credit report is not accurately reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
My office network was victimized by ransomware. My Citizen banking access credential were potentially compromised in the hack. I needed to change my online banking password with Citizen bank. I tried the website. It did not work due to a bank website errors. I tried this with a local bank agent on the phone with me. We tried all options and none worked. She finally told me she could not help me. She was very nice, professional and did her best to resolve my problem. It was not her. It was the bank website and the setup. I called Citizen Bank online banking phone number. I was on hold for one hour, then The on hold voice told me to call back later. I tried this again and same thing happened. 

To make the long story short, I am not able to change my online banking password to protect my accounts from the hackers. This is strictly due to the bank and nothing to with me. 

I need help before my money disappears. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Bank of America absolutely lied. They used XXXX XXXX to allegedly resolve this issue. 
a man by the name of XXXX XXXX reached out to me. 
I have responded to him and left voicemails and he never called me back. 
Bank of America responded with the lies claiming that they could not get in contact with me. 
I will attach emails from me and XXXX XXXX proving that they did get in contact with me and we had communication. 

Bank of America never addressed the fact that they continue to report to early warning that the status of my account is UNPAID, despite them reporting to check system that the status is settled. 

that is illegal and they are breaking the law under the Fair Credit Reporting Act. Bank of America 's response to my complaints included attachments showing that they couldn't process the transaction, which would prove that my account could not be UNPAID. 
I will also include these documents that Bank of America submitted in response to my email to cfpb complaint.

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 2020-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On Friday, XX/XX/2020 I used my mobile banking app with Wells Fargo to deposit a check for {$1400.00}. This was my normal depositing behavior while working for my old company. Over a month later XX/XX/2020, the exact amount of {$1400.00} was missing from my account leaving me with a negative balance. Upon noticing the error, I called up Wells Fargo and tried to connect with a customer service agent to figure out what is going on. By this time, I am no longer working for the company the original check was issued from and I am now working 5-6 hours away from that area. After a few days, calls and even trips to a local branch I was told that my claim was sent to investigations and that I would be updated personally as soon as possible. Days go by once again before I take the imitative to call once more and connect with the investigation department who informed me that my claim was closed and a letter would be sent out stating that there was a duplicate item from another bank and that I could not be helped. Days pass by with more calls in-between but due to the case being closed no one was able to escalate or work on the matter. The letter I was dated XX/XX/2020, and stated that on XX/XX/2020, I made an electronic deposited of {$1400.00} through mobile remote deposit. That information is completely true and was my usual order of business. The letter continued to say that the same item was deposited a second time through another channel and as a result on XX/XX/2020, they deducted {$1400.00} from my checking account. 
Their letter does not prove or even go into more detail as to where and when the duplicate item was withdrawn from. 
The letter ends with a Reference # : XXXX Confused by the open and closed case with what seems like no investigation nor facts I called the Bank back and used the reference number and was told eventually told the duplicate transaction was from a Federal Reserve Bank, a bank I have never used nor think I can use. This confused me and left me helpless as Wells Fargo would no longer assist me with this error and kept referencing the closed case, a case mind you that was open and shut with what looks like no real information. 
The company was no help even though I tried repeatedly to work and assist them with anything they needed to complete the recovery of my fund to my account that they wrongfully withdrew because they gave someone else money in a bank that I never visited, in a city that I was no longer in from a company I was no longer working for.

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 2020-04-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
On XX/XX/XXXX I filed a complaint ( XXXX ) against XXXX for their inaccurate reporting on my credit report. I also made several calls regarding this as well. Last call XX/XX/XXXX because my balance is constantly changing causing my score to drop dramatically while I am trying to purchase a home for my kids and I. I have researched this and found that XXXX has been inaccurately reporting my loans since XX/XX/XXXX. I have late payments reporting XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. I have attached proof from the Federal student loans site and also the response from the last complaint that I was in forbearance. I have fought with the credit bureaus as well to have this information updated but XXXX keeps coming back saying that it is correct. This has harmed my reputation with obtaining credit for years and definitely is defamation of character. Since XXXX obviously can not handle accurate reporting I demand these accounts be deleted. 

Under the FCRA, consumers can sue for : Statutory damages of {$100.00} {$1000.00} per violation Actual damages for injury the consumer suffered Emotional damages for stress or physical ailments resulting from the ordeal Punitive damages to punish the violator for their actions

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 2020-04-30 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: SC

Complaint narrative:
On XX/XX/XXXX I filed a complaint ( XXXX ) against XXXX for their inaccurate reporting on my credit report. I also made several calls regarding this as well. Last call XX/XX/XXXX because my balance is constantly changing causing my score to drop dramatically while I am trying to purchase a home for my kids and I. I have researched this and found that XXXX has been inaccurately reporting my loans since XX/XX/XXXX. I have late payments reporting XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. I have attached proof from the Federal student loans site and also the response from the last complaint that I was in forbearance. I have fought with the credit bureaus as well to have this information updated but XXXX keeps coming back saying that it is correct. This has harmed my reputation with obtaining credit for years and definitely is defamation of character. Since XXXX obviously can not handle accurate reporting I demand these accounts be deleted. 

Under the FCRA, consumers can sue for : Statutory damages of {$100.00} {$1000.00} per violation Actual damages for injury the consumer suffered Emotional damages for stress or physical ailments resulting from the ordeal Punitive damages to punish the violator for their actions

Company response to consumer: Closed with explanation