vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-30 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: ID

Complaint narrative:
I submitted a request to dispute a collections account on my credit report on XX/XX/XXXX expected to be completed on XXXX.The account is a XXXX XXXX account XXXX I never received a update that my dispute was complete only that it was in progress. Over the course of the last 2 months I have logged in and checked said dispute and it was showing still under investigation. As of XX/XX/XXXX, past the 30 day even 45 day mark the dispute was not complete. I logged in today just to check due to the fact my credit report through Equifax is still showing a Derogatory mark for this account. The dispute is now showing complete and the letter attached is stating the dispute was states it was completed on XX/XX/XXXX, but the last time I logged in was XX/XX/XXXX and it was not completed. Also the company continues to call me while the dispute was open. They only stopped calling once I left them a voicemail stating there was and open dispute that was past 30 days. 
The dispute report is stating that the information was updated and that is it. 
Based on the Fair Credit Reporting Act the company has 30 days to review the dispute and if they do not get back within 30 days the agency is obligated to remove the disputed report. Not only did they take over 30 days to submit their findings ( almost 60 days based on my records ) they also send a dispute letter that clearly does not have the correct date on it. There is no way the dispute was completed on XX/XX/XXXX seeing as I logged in on XX/XX/XXXX and it was still in process. They are lying about when it was completed. 
This needs to be removed from my report based on FCRA. 
This account has been disputed and removed off of all other agencies except for this one. 
The company called me again today. Not from their normal number, when called back the rep stated it was XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have disputed erroneous accounts with Equifax, XXXX, and XXXX and have not received responses to my attempts to resolve the mistake made by the credit bureaus. I have sent many letters throughout the past year and have attached the latest round of letters and have provided the certified mail receipt numbers to show that the credit bureaus have received the letters. This is a violation of the Fair Credit Reporting Act and the disputed accounts must be deleted. 

Certified Mail receipt numbers XXXX Equifax XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: MidAmerica Mortgage Inc
State: TX

Complaint narrative:
In XXXX of XXXX, there was a report from Mid America Mortgage saying that I had a late payment in XXXX of XXXX. I had made sure to provide a copy of my bank statement that the money was indeed given to them on time. As it turned out the department that handles the processing of money seemed to have some oversight in processing my check. In XXXX of XXXX, I had another lender look at my finances in order to purchase another home. They noticed that there was still a delinquency note on my credit history. Since then I have been calling Mid America Mortgage to get it resolved only being told that they would escalate the problem to management and that they would get back to me in a few business days. It wasn't until late XX/XX/XXXX after calling every few days or so that I was able to finally speak to a supervisor. The supervisor then said that because my complaint had not reached them before the XXXX of the month that they were going to be able to fix my credit report. Instead, they would fix it on the XXXX of XX/XX/XXXX when corrections to accounts are to be made.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Last XXXX I've sent documentation regarding to those inaccurate and unknown accounts Ive found on my credit report it cause me stress. Its almost 30 days now but I haven't received any response. I demand to DELETE asap or I will file Litigation.

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 2021-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/2020 I received an email from PayPal stating that my account was currently limited and that i had to take some steps to resolve the issue. I completed such steps and everything was fine. On XX/XX/2020 I received an email from pay-pal stating that my account is permanently banned and that after 180 days any money on my account will be released. There is over XXXX on my account that was supposed to be used during this pandemic. No Pay-Pal representative has told me any reasons to why they limitation was placed on my account in the first place. My account had been limited since XXXX. its been over 180 days and my money has not been released. pay-pal representatives state that an email will be sent to me and I haven't received one yet. They say that anything else after that is out of their control but I believe that is false. I was told a deadline on when my funds will be released and it is past due. My email linked to my Pay-Pal account is XXXX. This situation has dealt a great tragedy. 
I just want to remove my funds and discontinue the use of pay-pal services. Any help from you guys will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: MI

Complaint narrative:
I have an account on my Trans Union & XXXX credit profile with XXXX XXXX  XXXX XXXX. I wrote many letters to both companies and the actual collection agency and submitted a prior complaint to you ( CFPB ) and I'm not getting any answers that make sense. This collection company can not validate this debt. The documents that they are providing can be easily downloaded and manipulated. Any of the documents provided DO NOT have my signature or personal information attached just my name. Also, this company just re-aged my debt to XX/XX/2021, as if it's a new collection account. This is illegal and doesn't not me FCRA guidelines. I want this collection account deleted from my profile. I also hired an attorney to help me since no one is trying to do anything and will be filing a lawsuit against Trans Union, XXXX and XXXX, XXXX  XXXX XXXX for not doing their due diligence in this matter. 

XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX-re-aged and you can tell from my previous complaint. 
{$2000.00} I also want them to stop mailing be bogus statements every month. 

Thank you 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 2021-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This complaint is to Experian Directly, Experian has mishandled my information and is doing nothing to protect my information. I have talked to numerous representative about adding extra security precautions but they are not willing to provide other authentification factors besides questions from my credit report which the fraudster already have. 

I have called them numerous amount of times to change my login information and re add fraud alerts and dispute many items. 

What I would like Experian to be to do is allow the consumer to opt-out of any automated systems, login removals, and add other factors of authentication such as special passwords or two-factor authentication such as password generators or SMS text which only I should have access to. 

The security system in Experian is out-dated and is handled by third-party sources which should not be the case since this information is extremely sensitive. Please have Experian update their security measures and provide more options for the consumer to protect their information.

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 2021-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
PENFED Credit Union sent me an application for a XXXX Credit Card. The requirement is to open a {$5.00} saving account and become a member. On the advertisement, they said the {$5.00} is on PENFED ( see attached original advertisement ). I applied and received a congratulations email for the approval. I waited and no card showed up, So I called on XX/XX/21 talked to XXXX and she said she will sent an email to their department to fund the {$5.00} and I will received my card in week and a half. No card showed up and I called and talked to XXXX on XX/XX/21 and she said she will send an email to her supervisor to fund the account. On XX/XX/21, I received an email from PEDFED saying that my application expired and if I like, I can reapply anytime. So I called again on XX/XX/21 talked to XXXX  this time to find out what's going on. She said because I didn't fund my {$5.00}. On the advertisement, it clearly says PEDFED will fund the {$5.00}, Attached please find the false advertisement, Congratulation approval email and the Unfortunately please reapply email. 

Thank you so much for all of your help! 
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 2021-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, while at work I received an email that my utility bill had been declined of payment, I then begin to look into my account, because I know I had the funds needed as I had just received my school refund on XXXX XXXX. When logging into my bank account, I notice my available balance was showing {$30.00} in my account, I then proceeded to look at my transaction history, where there were fraud charges made on my account one made on XX/XX/XXXX at a ATM location for three amounts of {$200.00} and one amount of {$100.00} on XX/XX/XXXX, the thief proceeded to also visit a second location, where they then took two more charges of {$200.00} taken out my account. These are not charges I am aware and did not authorize to be taken out my account. These transactions are all fraud transactions. So on XXXX/XXXX/XXXX when I realized the charges made I then reached out to my bank to cancel the card and get a replacement, and as well open a dispute investigation with my bank. These charges are being investigated by my bank now, and up to 45 days. I have reached out to the locations where the fraud happen on XXXX and XX/XX/XXXX to obtain additional information they could give as I am aware ATM locations does have cameras, however, I have yet to get a response or phone call back. As well as I did reach out to those city police departments and was directed to file the report with my local department.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION
State: GA

Complaint narrative:
XX/XX/2020 : I received a letter correspondence from my mortgage company stating that I was qualified for the home modification process. 

The following week I received a call from the mortgage rep confirming that I was qualified for the mortgage modification and was given specifics on how much my interest rate would be and the total amount due each month, starting in XXXX. 

I then proceeded to inform him that those figures were not on the correspondence that I received from the mortgage company the previous week. His next words to me had me wondering about M & T. 

He stated to me that the letter was incorrect. It could be an advertisement, and if not, it was sent out in error. With my insistence of the validity of the correspondence I received from M & T he asked if he can put me on hold and check with his supervisor. 

He then came back and stated " oh yes I see it, but that was sent in error '' " we don't offier that rate anymore. 

He could not tell me who sent it out, when did they stop offering that rate. 

What was intriguing its the amount that I did mention in previous conversations that is feasible. 

I am not quite sure where do I go from here. Do I pay the amount they are telling me over the phone or the amount that is listed on the correspondence from them. 

I was told if I do not start payment I would forfeit my modification. 

Can they change their minds in the middle of the modificaiton? 
Do I believe any of the correspondence that I have received from them? 

I believe they should be held accountable for the information in the correspondence.

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 2021-03-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Global Asset Management Group, Inc.
State: CA

Complaint narrative:
I was contacted by someone who said they worked for " Global Asset Management Group LLC '' and he stated his name was " XXXX XXXX '' His phone number is XXXX. 

He stated my sister used me as a reference and I owed {$2000.00}, that we needed to get a " stop order '' and that his client had tried to serve papers to a family member 's address but was unsuccessful. ( He stated she borrowed the money, used her XXXX XXXX  account as collateral and then closed the account ) He said that we would be going to jail for not showing up at court. 

I looked into the company and they are banned from debt collecting by the FTC for being fraudulent. 

Company website : XXXX XXXX XXXX # Order to cease debt collection with FTC : XXXX XXXX XXXX  FTC Case information : XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2021-03-30 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: GA

Complaint narrative:
On XXXX XXXX I sent a letter to EQUIFAX informing them that there were a number of fraudulent inquiries that appeared on my credit report that needed to be removed. I informed them I had been a victim of identity theft and attached a FTC identity theft report and police report along with my statement, and proof of my identity. By law, they are suppose to remove or block this information from my credit report. I received a letter from EQUIFAX dated XX/XX/2021 refusing to block the fraudulent information from my credit report, which is a direct violation of law. The following inquiries that appear on my EQUIFAX credit report are fraudulent : JXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have an account on my XXXX XXXX & Experian credit profile with XXXXXXXX XXXX XXXXXXXX XXXX. I wrote many letters to both companies and the actual collection agency and submitted a prior complaint to you ( CFPB ) and I'm not getting any answers that make sense. This collection company can not validate this debt. The documents that they are providing can be easily downloaded and manipulated. Any of the documents provided DO NOT have my signature or personal information attached just my name. Also, this company just re-aged my debt to XX/XX/2021, as if it's a new collection account. This is illegal and doesn't not me FCRA guidelines. I want this collection account deleted from my profile. I also hired an attorney to help me since no one is trying to do anything and will be filing a lawsuit against XXXX XXXX, Experian and XXXXXXXX XXXX XXXXXXXX XXXX for not doing their due diligence in this matter. 

XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX-re-aged and you can tell from my previous complaint. 
{$2000.00} I also want them to stop mailing be bogus statements every month. 

Thank you 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 2021-03-30 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Someone comprised my personal information in XXXX and opened a XXXX XXXX credit card. At the time I was ignorant about credit so I didn't really monitor my credit score. The imposer ran up a balance. The account hit collections I started receiving letters in the mail and that is what caught my attention. Since XXXX of XXXX I have been sending dispute letters through the mail. I sent an identity theft affidavit, filed an Federal Trade Commission ( FTC ) report and the account keep coming back verified. On XX/XX/XXXX I called XXXX XXXXXXXX and they could not verify me from my date of birth or my residency and confirmed to me that the account was abnormal and was most likely fraud. They then told me I would have to call the credit bureaus so they could handle it. I am tired of them make me go in circles. This situation is really affecting my life. According to 15 USC 1681a ( k ) ( iii ) adverse action that doesn't benefit you should not be on your consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: TX

Complaint narrative:
Someone comprised my personal information in XXXX and opened a XXXX XXXXXXXX credit card. At the time I was ignorant about credit so I didn't really monitor my credit score. The imposer ran up a balance. The account hit collections I started receiving letters in the mail and that is what caught my attention. Since XXXX of XXXX I have been sending dispute letters through the mail. I sent an identity theft affidavit, filed an Federal Trade Commission ( FTC ) report and the account keep coming back verified. On XX/XX/XXXX I called XXXX XXXXXXXX and they could not verify me from my date of birth or my residency and confirmed to me that the account was abnormal and was most likely fraud. They then told me I would have to call the credit bureaus so they could handle it. I am tired of them make me go in circles. This situation is really affecting my life. According to 15 USC 1681a ( k ) ( iii ) adverse action that doesn't benefit you should not be on your consumer report.

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 2021-03-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/XXXX, a bankruptcy once listed on my account was deleted due to inaccurate reporting ( Supporting document # XXXX XXXX. After the deletion of this item, several accounts started to report inaccurately. Also, many disputes would not update after the investigation was completed. All the disputes would say " Consumer Disputes - Reinvestigation in Process, '' Although I did not have an active dispute. I disputed the " comments '' ; however, the final results states that the explanation previously attached to this account has been deleted, but my report would not update ( Supporting document # XXXX ). Since the report would not update, I would have to dispute the comments repeatedly, just for the issue to reoccur again. The accounts that have not been updated and that I have to keep disputing are XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX. Since the comments would not come off, I disputed that they are reporting as open on my account when they should be closed and listed as XXXX. No updates or corrections were made. XXXX disputed the accounts again to have the comments removed. 


I disputed the Bank of America account on my report since it reflected as 60-80 days past due, a past due amount of {$210.00} ( supporting document # XXXX ). Bank of America was listed in Bankruptcy and should not be reflecting as past due. On XX/XX/XXXX, Bank of America updated my report, removing the incorrect information ( supporting document # XXXX ). However, the report stated in the additional information that " Consumer Disputes this account information, A temporary update freeze on file, collection account. '' I once again submitted a dispute to have the account comments removed. This time, The Bank of America account reports late 60-80 days past due XX/XX/XXXX. Balance amount of {$1700.00}. I spoke with Bank of America, and they state that they updated XXXX that my account is XXXX and did not give them any information that the account was behind since it has been closed since XX/XX/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 non-monetary relief