vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-31 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: NY

Complaint narrative:
To who it may concern I would like to report several violations against me. There are some errors and its been over 60 days and I haven't heard anything back. I also sent another letter and have not heard anything. I sent all the letters certified mail and have the delivery receipts to prove that they received my letters this is a violation under 15 U.S.C. 1692g. I demand the violations be addressed and deleted from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2300.00}, {$0.00}, {$0.00}, {$1600.00}, {$620.00}, {$570.00}, {$3300.00}, {$430.00}, {$980.00}, {$1300.00}, {$1300.00}, {$2700.00}, {$1200.00}, {$1200.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$2300.00} -This is not my account. 

2. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX BANK with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 

5. XXXX BANK XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$620.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$570.00} -This is not my account. 


-- AUTO LOAN OR LEASE 7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3300.00} -This is not my account. 


-- COLLECTION ACCOUNTS XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$430.00} -This is not my account. 

9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$980.00} -This is not my account. 

10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 

11. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 

12. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2700.00} -This is not my account. 

13. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

14. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Transunion has been contacted several times to investigate an error on my credit report. I contacted Transunion directly on XX/XX/XXXX and a representative stated he was opening another dispute of the company XXXX representing XXXX. My complaint is the amount owed to XXXX is incorrect and I have requested the documentation from the date I came to the store showing I purchased my XXXX from the company and showing how XXXX came up with the {$900.00} amount. I disputed using XXXX XXXX on XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. Each time, the dispute is listed as valid, however, no documentation is provided to me to review. Therefore, the company is unable to prove the {$900.00} debt and I am requesting it is removed from my Transunion credit 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 explanation
Consumer complaint received 2021-05-31 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
By law, I should be allowed to get a free credit report from each of the three major credit bureaus from the XXXX site. 

I was able to get a report from XXXX  and XXXX  XXXX I note this to demonstrate I was properly logged into the site ). When I attempted to get one from Experian, I received a message that I could not do this online, I had to send a letter to their office requesting my credit report. 

Some time back after a major breach, I had placed a freeze on my credit on all three credit reporting companies. While I see that Experian had removed the freeze without my knowledge, they did allow me to turn on the freeze again. Since Experian won't give me a credit report without my requesting it by mail, I attempted to at least turn on a freeze to make sure it was still in place with them. I received a notice that I can't turn on a freeze online, I need to send them a letter along with copies of utility statements and such. 

Although I will proceed to send them certified requests to obtain a copy of my credit report they should be forced to provide this through the annualcreditreport website like the other credit reporting companies do. I assume they think that requiring people to submit paper request via postal mail will make people give up.

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 2021-05-31 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: TN

Complaint narrative:
Equifax Bureau Dispute Dept. are refusing to fully Re-investigate under FCRA, of a consumer on my credit report name XXXX XXXX. I have ask under FCRA Sub-section 611 [ 15 U.S.C. Subsection 1681i ] ( 5 ) ( A ) ( i ) ( ii ), and ( 5 ) ( D ) and still Equifax Bureau Dispute Dept. have not complied with FCRA Regulations. They are stating that this account was open on XX/XX/XXXX. I have ask them for a contract that they have not provided. Also, from XX/XX/XXXX to now they can not show me for every bill statement, when was anything paid, how much was the bill on XX/XX/XXXX to XX/XX/XXXX, they have not provided that information. Equifax Bureau Dispute Dept. claim that they have verified this, I have ask them these questions 1. HOW DID YOU VERIFY?, 2. WHO DID YOU VERIFY THIS WITH?, & 3. WHO DID YOU SPEAK WITH TO VERIFY THIS INFORMATION?. I have not yet still got any response for these 3 questions but, still they keep sending out templates, to avoid what I am sending in by FCRA Law. I am in the process of sending all of this and everything by certified postal mail over to the President, Vice President, and House of Congress because Equifax Bureau Dispute Dept. are NOT FOLLOWING FCRA REGULATIONS. I DO NEED A FEDERAL ATTORNEY FOR A LAWSUIT PLEASE HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BBVA FINANCIAL CORPORATION
State: NC

Complaint narrative:
I paid mint mobile on XX/XX/2021 for {$780.00} total for two mobile lines of service. On XX/XX/2021 XXXX XXXX claims they refunded my debit card ending in XXXX without my approval. They refunded it to the original form of payment. This debit card and checking account were closed on XX/XX/2021 due to our family relocating and the bank not having local branches. XXXX XXXX did not provide any receipts or invoices regarding the refund. They said I need to talk to my bank but BBVA USA says they have no record of any refund transaction even when I provide a transaction ID submitted by Mint. I feel my money is lost and they are requesting I pre pay for another year of service. I contacted my bank BBVA USS and they said they have no record of any refund. XXXX XXXX provided these tracking numbers. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 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: ERC
State: NY

Complaint narrative:
XXXX  has been contacted several times to investigate an error on my credit report. I contacted XXXX  directly on XX/XX/XXXX and a representative stated he was opening another dispute of the company ERC representing XXXX. My complaint is the amount owed to XXXX is incorrect and I have requested the documentation from the date I came to the store showing I purchased my XXXX  from the company and showing how XXXX came up with the {$900.00} amount. I disputed using XXXX XXXX on XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. Each time, the dispute is listed as valid, however, no documentation is provided to me to review. Therefore, the company is unable to prove the {$900.00} debt and I am requesting it is removed from my Transunion credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 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: NJ

Complaint narrative:
A company that has an online game with " in-game purchases '' has been charging me for purchases I did not authorize on my Visa bank card through Bank of America. 

The company is XXXX located in XXXX. 

The game IS NOT a game that requires purchases to play because it is a " free to play '' game, there are NO SUBSCRIPTION costs. 

When I discovered that I was being charged ever since XX/XX/XXXX I contacted Bank of America, who initially removed {$790.00} in charges on XX/XX/XXXX. 

I filed a fraud dispute at that time. 

Bank of America responded to me by refusing to honor my request to have fraudulent charges removed. The refusal letter stated that XXXX charged " recurring subscription charges ''. This is a false statement, there are no recurring monthly charges associated with this game. 

Since then, Bank of America has added an additional {$5300.00} in charges associated with this company as well as reinstated {$790.00} on XX/XX/XXXX. 

XXXX has retracted more than {$1000.00} in-game credits, credits I neither authorized nor requested, even though Bank of America has reinstated the charges from XXXX. 

There is clearly a fraud being perpetrated here and Bank of America seems to be standing behind the billing company. 

I resubmitted my fraud dispute and again, Bank of America refused to remove the fraudulent charges from my account. 

My only crime was not checking more thoroughly my individual monthly transactions before paying my bill. I made monthly only payments as part of a scheduled budget.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: AZ

Complaint narrative:
On XX/XX/XXXX I pulled a credit report off my XXXX Credit card online portal. The XXXX  report showed that my credit has decrease, so I started to investigate and found a collection notice on my report filed Collection Agency named AARGON COLLECTION at XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, NV XXXX had filed a collection notice on my credit report for {$1800.00} that was open XX/XX/XXXX. This is not my charge so I called AARGON and they told me that XXXX XXXX had file a claim against me for {$1800.00} for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX installed in car. This is not my charge so I called AARGON and tried to contact XXXX  and they would not answer their phone. I called AARGON back on XX/XX/XXXX and this time they said the account number XXXX is filed under a person named XXXX XXXX Case and since this not me they could not give me additional information to clear the this off my credit report and I would need to file report with FTC.GOV and send it to them. 
AARGON Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Fax- XXXX Account # XXXX Amount - {$18000.00} -Account Open XX/XX/XXXX, No payments have been made. 
Company Name- XXXX XXXX XXXX Message only XXXX XXXX XXXX XXXX XXXX XXXX installed on a car XXXX  account XXXX Phone # XXXX XXXX XXXX Called AARGON and spoke XXXX- Could not find my info Called AARGON- XXXX on XX/XX/XXXX Said this account was under XXXX XXXX Case An he could not share additional info with me because not correct name. 
Supervisor XXXX XXXX XXXX Need to contact FTC>GOV file claim. 
Left 3 message at XXXX on XXXX phone 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 2021-05-31 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Adjustment Bureau, Inc.
State: IA

Complaint narrative:
On XX/XX/2021, a request for validation was sent to the collection agency 's office via certified U.S. mail. On XX/XX/2021, USPS receipts indicate the letter was delivered to the collection agency. Following no response from the agency for over 30 days, a second letter of non-response was sent on XX/XX/2021. USPS receipts indicate this letter ( which included copies of the original ) was delivered on XX/XX/2021. It has been more than 30 days since the last dispute was sent and I still have not received any validation this debt is mine, despite the accounts still being reported on my credit. Furthermore, the accounts appear on my XXXX report without all critical information required to report an account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Prosper Marketplace, Inc.
State: VA

Complaint narrative:
They've violated my FDCPA Rights by ruining my credit, defaming my character, fraudulently sharing my personal information, contacting my family members trying to get in touch with me, harassing me after advising them several times this isn't my debt, and going after the correct person who owes this money instead of wasting my time and resources having me back and forth in court as of XX/XX/XXXX, and again on XX/XX/XXXX. The amount they're trying to collect is {$2900.00}. Apparently, this loan was originated on 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 explanation
Consumer complaint received 2021-05-31 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: CA

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: BAM Management US Holdings Inc.
State: PA

Complaint narrative:
I have been trying to " verify '' my account with Binance.US since XXXX. I have sent them the documentation that they requested multiple times, which they keep rejecting, stating that my address does not match ... which is untrue because all of my information is the same on my license, on my bank account, on everything. 
They will not release my funds until I am " verified '', but they won't verify me. 
This is now six months that they have held my funds hostage. 
They have no incentive to release my money. They can keep denying me indefinitely. 
I have sent dozens of emails and filed multiple tickets. They take months to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 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: NJ

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Fairway Independent Mortgage Corporation
State: NV

Complaint narrative:
I initially worked with one lender until my realtor group highly recommended using XXXX XXXX at Fairway ( NMLS # XXXX ) due to many positive factors. ( XX/XX/2021 ) After talking to XXXX XXXX, he ensures that he could beat the deal that the other guys were offering and was " 2x '' faster than them in closing. 

( XX/XX/2021 ) After him talking me into using his service, I started the application, ran my credit, and provide him with my personal information. Until today, I have not received a Pre-Approval Letter or Loan Estimate information. XXXX mentioned he gave the Approval Letter to my realtor, which is fine, but I have not seen any loan estimate 3-days after my approved application. 

( XX/XX/2021 ) I have now started escrow and asked him to provide me an " Official Loan Estimate, '' and he is now asking me to obtain one from the other lender I was first working with. Since his group was the last company I was working with, I would expect them to be providing this information since I had already run my credit and provided all documents ( 20+ ) they requested. Now that I am asking for them to provide me a loan estimate that I have never received, he says, " I can move forward, yes. But the issue is- if I get moving full speed ahead and spend 6 hours putting things together and all that- and then navy comes back with a silly rate that I can't match- it's been a waste of all of our time, yours included. '' In reality, the " waste of time '' is working with XXXX XXXX that tricked me into working with him. 

XXXX XXXX at Fairway ( NMLS # XXXX ) has provided me no communication or any further documents ( Pre-Approval Letter or Loan Estimates provided to the client by law ). I am now humbly asking for an " Offical Loan Estimate, '' and if I decide to continue business with Fairway, I would like another loan officer. Poor Service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I have a vehicle loan with Santander and its being reported as a closed account when it is open. I am not getting credit for a open account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 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: LA

Complaint narrative:
On XXXX XXXX. I sent a dispute to Equifax, XXXX and XXXX  Disputing 2 bankruptcies on my credit reports. The information is inaccurate, so I requested that the items be removed from my credit report. The bureaus stated the information was verified as accurate by the Bankruptcy Court in XXXX XXXX, Louisiana and refuse to remove from my credit report. I contacted the US Bankruptcy Court located in XXXX XXXX, Louisiana and I was advised that they didnt report such information to Equifax, XXXX or XXXX. I have been disputing this for 9 months and the bureaus Equifax, XXXX and XXXX  are not legally reporting the correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 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: LA

Complaint narrative:
For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14 1995 ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC

Company response to consumer: Closed with explanation