vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-10 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: GA

Complaint narrative:
On XX/XX/XXXX I sent equifax a letter to investigate some inaccurate inquiries that were on my credit report. It took them well over 30 days to respond and I mean well over. 
They responded and said it was correct pretty much and I sent another letter on XX/XX/XXXX requesting them to prove it as I don't agree with their response. I feel as if they just did not check and responded because they were already late and I made a complaint. This has not been fair and now we are again over 30 days no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2021, we paid for 1 night at an RV resort using a Chase credit card. we requested a refund from the resort on XX/XX/XXXX, and were refunded {$33.00}. 

However, this particular credit card was closed by Chase in XXXX and a new card was issued. This new card was transferred to XXXX XXXX on XXXX XXXX. XXXX XXXX XXXX refunded the money to the Chase card ( which had been closed ). Even though the Chase card was closed, Chase accepted the refund. XXXX XXXX XXXX advised us that the money was taken out of their account. 

We have contacted Chase numerous times over the past month, and have gotten the run around. We have been transfered from one person to snother, sometimes being on the phone for over an hour. ON XX/XX/XXXX, they eventually gave us a case number and said they would look into the situation, but we have heard nothing. Two weeks later they told us the case was closed..no reason given. The bottom line is we never received the refund we were entitled to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MORTGAGE AMERICA, INC
State: DE

Complaint narrative:
I am a first time home buyer and after months of searching, found a house. We wanted to move on it quickly and our realtor suggested using Mortgage America because she had worked with them in the past ( though I never gave verbal consent to using this company ). Our offer was accepted and everything was fine until 2 weeks out from closing when the underwriter asked for several documents ( attached ). I had started a new job at the end of XXXX and had 1 paystub at the time of the email so after providing a signed offer letter from my supervisor, the company requested additional documentation. Anytime I sent documents, I was told they needed something else. I attempted at least 5 times to speak with the underwriter over the phone but was always told she was unavailable. I also spoke with 6 different people during this process who told me different things on what was acceptable documentation but when asked to have a conference call, no one responded. After being suggested I put my down payment money towards paying off student loans two days before closing, I asked for my application to be pulled. There is so much more to say but not enough room ; simply put, they made me jump through hoops the entire time and the underwriter never returned my phone calls.

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 2021-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Funds are missing from my JP MORGAN CHASE XXXX XXXX XXXX XXXX XXXX XXXX CHASE account. I also sent payments that do not reflect actual payment to the people sent, but money is missing from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I changed my plan with XXXX. XXXX stated the I would receive a prorated adjustment if my plan is an amount lower than the existing plan. The condition is to set up automatic payments. The result was a new due date. I set up the auto pay for the future due date of XX/XX/22. XXXX did not wait until that date to take the payment. I called Bank of America to dispute the charge and spoke with XXXX, Supervisor in XXXX. He said if this is not a billing dispute Bank of America can not dispute the charge because they are providing me a service. I told him XXXX is committing fraud and providing a disservice by putting through a charge on a payment method and date that I had not authorized. XXXX said Bank of America does not see it that way. I don't care what service they are providing if a company makes an unauthorized charge on my account the fact that they are providing me a service doesn't excuse an act of fraud.

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 2021-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I have requested that Experian verify the mentioned accounts and delete them and they continue not to provide assistance and support in this matter. 
The accounts in question are associated with a different address as well as a different name and they continue to report it erroneously. 
1. XXXX/XXXX/XXXX  XXXX 2. XXXX/XXXX/XXXX  XXXX 3 XXXX XXXX XXXX 4 XXXX XXXX/XXXX/XXXX 5. XXXX/XXXX/XXXX  6 . XXXX/XXXX/XXXX 7 . XXXX/XXXX/XXXX  XXXX  8.XXXX  XXXX  XXXX XXXX XXXX 9 . XXXX XXXX XXXX. XXXX 11 . XXXX XXXX XXXX XXXX. XXXX 13 . XXXX ( Duplicate Account ) 14. XXXX ( Duplicate Account ) 15. 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 non-monetary relief
Consumer complaint received 2021-11-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: TX

Complaint narrative:
My car was in an accident onXXXX my car was towed to XXXX XXXX XXXX XXXX XXXX On XX/XX/21 the finance company Westlake Financial Services went an repossessed my I'm not behind on my carnote I've always paid my carnote on time or before time now my car is at XXXX Texas XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX up for auction the insurance hasn't had the chance to look at my damages how is it possible for them to take my car and I'm not behind on my carnote My name is XXXX XXXX my phone e number is 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 2021-11-10 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: TX

Complaint narrative:
CREDIT ONE BANK Reported : XXXX XXXX, XXXX {$710.00} Closed Overview You're currently using 75 % of your account 's limit. 

Balance {$710.00} Credit limit $ 950 Monthly payment {$36.00} Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) Payment History Youve made 92 % of payments for this account on time. 

Payment history table, broken down by month XXXX XXXX XXXX A XXXX XXXX XXXX A XXXX O XXXX D XXXX XXXX XXXX XXXX Current Late Unknown Last payment XX/XX/XXXX Current Payment Status 120-149 Days Late Amount past due {$200.00} Worst Payment Status 120-149 Days Late Account Details Account status Closed Type Credit Card Responsibility Individual Remarks Dispute resolved ; reported by grantor Times 30/60/90 days late XXXX Closed XXXX. XXXX, XXXX See an error? 
DIRECT DISPUTE If there's an error on your report, you can submit a dispute without leaving XXXX XXXX. 

DISPUTE AN ERROR Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX Reported : XX/XX/XXXX {$710.00} Closed Overview You're currently using 75 % of your account 's limit. 

Balance {$710.00} Credit limit $ 950 Monthly payment {$36.00} Opened XX/XX/XXXX ( 4 yrs, 3 mos ) Payment History Youve made 92 % of payments for this account on time. 

Payment history table, broken down by month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Current Late Unknown Last payment XX/XX/XXXX Current Payment Status 120-149 Days Late Amount past due {$200.00} Worst Payment Status 120-149 Days Late Account Details Account status Closed Type Credit Card Responsibility Individual Remarks Dispute resolved ; reported by grantor Times 30/60/90 days late XX/XX/XXXX Closed XX/XX/XXXX See an error? 
DIRECT DISPUTE If there's an error on your report, you can submit a dispute without leaving XXXX XXXX. 

DISPUTE AN ERROR Creditor Information XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NV 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 non-monetary relief
Consumer complaint received 2021-11-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Someone scammed me of my money. The person who scammed me was pretending to be XXXX and sending me Emails stating if I didn't send {$350.00} to the " XXXX agent '' I would not be able to receive the payment for the shoes they were going to purchase from me. They stated in order for me to receive the money I'd have to send {$350.00} to a XXXX agent and I would be able to receive the money, the {$350.00} back, and that my account would be upgraded to a business  one. Wells Fargo has done nothing to help me with my case and denied reimbursing the money I lost. I filed a claim as soon as the incident happened and I was just informed today that they would not help me. I have all the emails and text and they did not once ask for any of the evidence, which is insane.

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 2021-11-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd
State: CT

Complaint narrative:
I initiated a {$10000.00} withdrawal in early XXXX. Nothing happened, so i emailed support. They responded that they have deactivated my account! I have exchanged multiple emails with them and submitted an " appeal '' per their instructions Nothing happens. 

They have my money and I'm beginning to think this has become a fraud. 

I need that money. And they will not respond and return my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Dear Equifax I recently received a copy of my credit report and I notice there is ( are ) credit inquiry ( s ) made by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX  XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I understand you are not legally allowed to put an inquiry on my file unless I have authorized it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Hello, Due to the pandemic I was recently under a forbearance of my mortgage payments. According to the CARES Act, Pub. L. 116-136. this should not be reported to credit agencies. Despite the law my lender - XXXX  XXXX  XXXX  reported it to all 3 credit agencies. 

On XX/XX/2021 I have called the lender, asking to remove the record from my report, but they said I have to file a dispute with XXXX XXXX XXXX. I have called XXXX and they said that they dont initiate any disputes. This is also a clear violation, as they have an online system and an entire department that must take care of disputes. 

This bad record is preventing me from getting an additional loan or a mortgage, as my application was already rejected by a couple of lenders. Please help me to get my reports cleared, as required by the US law. 

Supporting documents : 1. Please find attached my credit report from XXXX, dated XX/XX/2021. 
2. Also, please see attached the relevant reference to the CFPBs clarification of CARES Act. 
3. Please refer to the CFPB website : https : XXXX Thank you, XXXX XXXX

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 explanation
Consumer complaint received 2021-11-11 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Hello, Due to the pandemic I was recently under a forbearance of my mortgage payments. According to the CARES Act, Pub. L. 116-136. this should not be reported to credit agencies. Despite the law my lender - Caliber Home Loans reported it to all 3 credit agencies. 

On XX/XX/2021 I have called the lender, asking to remove the record from my report, but they said I have to file a dispute with XXXX XXXX XXXX. I have called XXXX and they said that they dont initiate any disputes. This is also a clear violation, as they have an online system and an entire department that must take care of disputes. 

This bad record is preventing me from getting an additional loan or a mortgage, as my application was already rejected by a couple of lenders. Please help me to get my reports cleared, as required by the US law. 

Supporting documents : 1. Please find attached my credit report from XXXX, dated XX/XX/2021. 
2. Also, please see attached the relevant reference to the CFPBs clarification of CARES Act. 
3. Please refer to the CFPB website : https : XXXX Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My account with Bank of America was unexpectedly closed on XX/XX/XXXX without my knowledge and of course it was the day before I received 2 direct deposits. My account was in the negative but the direct deposits cover the amount and the fees but the bank refuses to release the rest of my money to me and they do not have a valid reason as to why. On the day I find out my account was going through closure the scheduled closure date was XX/XX/XXXX WHY DOES IT TAKE THAT LONG TO CLOSE AN ACCOUNT that is almost 2 months. I asked to pick up my money at a financial branch because you know I do have bills! Im a single mother with NO HELP I cant afford to miss a paycheck! But that request was denied once again WITH NO EXPLANATION. so here we are XX/XX/XXXX still with money sitting in Bank of America account that I can not access until the account is reviewed by a worker THIS IS RIDICULOUS!!!! if I lose my car due to not being able to make payments and all the late fees Bank of America isnt going to pay what it takes for me to get it back! Nor will they pay my daughters Daycare, rent, utility bills, or my school tuition!!!! They need a better system to closing an account! No one inside a branch can help so I am FORCED to talk with someone on the phone and I have to talk with someone different every single time! They do not keep you informed on the process of them closing the account so you are having to call and bug them to get a status update. Some of the customer service workers lie, tell you the wrong information, and its because they know the chance of them talking to you again is one in a million! I wish I never opened an account here

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 2021-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
There was fraud made from Paypals that was linked from my banking acct. My bank has investigated the issue and XXXX XXXX  ( my bank ) credited the moneys lost back to me. Paypals investigated the issue and Paypal still says I have a balance and I tried to resolve this and explain that this was due to fraud. Paypal sent the debt to collections.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: HUNTINGTON NATIONAL BANK, THE
State: MA

Complaint narrative:
They were supposed to remove a few late payments after so much time had passed. They refunded the fees, but the derogatory status still remains. Its been two years and four months with no late payment since.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANCO POPULAR DE PUERTO RICO
State: GA

Complaint narrative:
I called into Popular Credit Services around XX/XX/2021 to cancel my XXXX XXXX credit card. The annual fee appeared on that monthly statement, and I no longer felt the card was worth the fee. When I called in, the representative assured me the card would be closed and annual fee credited. I had made a purchase in the amount of {$33.00} that was also on the statement, so I sent in the payment for {$33.00}, with the rest of the amount due ( {$59.00}, so XXXX = XXXX total on the statement ) to be credited due to canceling the card. 

After traveling for two weeks, I returned home to find two credit card statements and a notice of late payment, showing the {$59.00} was never credited and assumedly the account still open. Due to the apparent non-timely delivery of the statements, the current balance is purported to be {$59.00} + {$0.00} interest + $ {$29.00} late payment fee + {$0.00} interest. None of this is justified as the original {$59.00} should have been credited due to calling in to close the card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-11 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: GA

Complaint narrative:
Advised all 3 credit reporting agencies of XXXX XXXX which they violated the legal rights of consumers by charging or permitting dealerships to charge impermissible documentary or dealer fees in connection with lease-end vehicle purchases pursuant to purchase option provisions in consumers leases which led into my payoff amount is not correct as to date. 

For over a year I have advised Experian the information that is being reported by XXXX was incorrect. Last attempt via phone 2 weeks ago. XXXX and XXXX has cooperated and deleted the account due to inaccurate reporting from their investigation, which are the same results sent to all 3 bureaus ( 1 company ) but Experian will not delete.

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 2021-11-11 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: GA

Complaint narrative:
To whom it may concern, I have tried over and over again to get accounts removed from my credit file that do not belong to me and in addition was not opened by me. I need your help in getting these items removed from my credit file : The following items are not mine : XXXX - Bal : {$0.00} on ( XXXX XXXX Equifax ) and {$2100.00} XXXX - Bal : {$0.00} ( XXXX & XXXX ) XXXX XXXX - Bal : {$16000.00} ( XXXX & Equifax ) XXXX XXXX  XXXX XXXX XXXX XXXXk - Bal : {$2200.00} ( XXXX & XXXX ) XXXX XXXX - {$8700.00} ( XXXX, XXXX, Equifax ) XXXX XXXX  XXXX {$2200.00} ( Equifax )

Company response to consumer: Closed with explanation