vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-12 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: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX  XXXX  XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
Complaint about Apple Goldman Sachs credit card deceptive billing practices. There are no options to receive paper statements. Not all customers are computer savvy or able to decipher Apple 's confusing online statement. There is a card balance payment due once a month. There is a separate screen which is difficult to find containing an " installment balance '' with the total balance due. The minimum payment gets transferred to the " card balance '' each month, then showing a balance of " zero '' after the minimum is paid. This is incredibly confusing not allowing to view a total balance due to be visible unless you know the exact place to click. It was so confusing that I had to call to find out if there was minimum payment due, and what the balance was left. The payment was made on time every single month. Emails are not always seen, and upon calling for help, I was told I had no balance due, that there was no payment due, and that they could not see a problem or late payment anywhere. They still reported XXXX as 30 days late! I had to call for a supervisor who spent at least 30 minutes attempting to explain how this happened. She apologized up and down and told me to try filing a dispute again as it did seem very confusing. They still have not removed the late payment and their XXXX  deceptive billing procedures are the cause of this mistake. They are hurting consumers who are older or may not be able to understand their deceptive billing display. I am considering retaining counsel as this mistake should not cost me for 7 years. Credit should not be affected because someone is older and a company does not give an option to receive paper statements. Not even an option available to pay for a statement to be mailed out. After much research, come to find out that Apple offered a deferments to their customers due to COVID but I never heard a thing about it. My husband lost work for 12 months and not only did they give me incorrect answers, but failed to inform me about help that may have avoided this in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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: OH

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 90 days later I have not received a response yet so my concern seems not a priority. I feel as though Im being taken advantage of as well as ignored of my disputes. Section 611 ( a ), it plainly states that the Failure to investigate these items within 30 days gives a reason to immediately remove these from my credit report its been over 60 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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: OH

Complaint narrative:
On XXXX 2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 90 days later I have not received a response yet so my concern seems not a priority. I feel as though Im being taken advantage of as well as ignored of my disputes. Section 611 ( a ), it plainly states that the Failure to investigate these items within 30 days gives a reason to immediately remove these from my credit report its been over 60 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
hello to whom to may concern i had autopay with XXXX XXXX and for one reason or another payment didn't get deducted and a late payment was reported in XXXX XXXX i reached out to XXXX and they assured me that the late payment was reported by mistake, due to autopay not working and XXXX agreed to remove late payment from all credit bureaus. I spoke to XXXX from XXXX  on XX/XX/2021 at XXXX XXXX pst, she discovered the mistake on there end and assured me late payments would be removed and even put it on her notes I confirmed this with XXXX from XXXX on XX/XX/2021 at XXXX XXXX pst. i even spoke to both of there supervisors and they also confirmed this.

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 2021-05-12 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: EQUIFAX, INC.
State: CA

Complaint narrative:
hello to whom to may concern i had autopay with XXXX XXXX and for one reason or another payment didn't get deducted and a late payment was reported in XXXX XXXX i reached out to XXXX  and they assured me that the late payment was reported by mistake, due to autopay not working and XXXX  agreed to remove late payment from all credit bureaus. I spoke to XXXX from XXXX on XX/XX/2021 at XXXX XXXX pst, she discovered the mistake on there end and assured me late payments would be removed and even put it on her notes I confirmed this with XXXX from XXXX on XX/XX/2021 at XXXX XXXX pst. i even spoke to both of there supervisors and they also confirmed this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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: TX

Complaint narrative:
I disputed in XXXX unauthorized inquiries and multiple accounts that are not mine and several others that I was never late on. I never received a full letter of explanation on how this was verified. I wrote a letter with the FCRA statue 611 and 615 and they completely disregarded my request. I believe they did not comply legally so I am insisting the credit I am disputing should be deleted.

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 2021-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: KEYCORP
State: WA

Complaint narrative:
My name is XXXX XXXX. 

Im filing a complaint today about the customer service practices at KeyBank. My issue with KeyBank is they have froze my account since XX/XX/2021 due to accidentally cashing a check twice, the first time being a mobile check deposit and second being a atm check deposit. The reason I have made the atm check deposit after the mobile check deposit was because I havent recieved confirmation from my mobile check deposit, so to make sure I have cashed the check I made a atm check deposit. Due to making the deposit twice the bank has restricted my account activities and Im unable to even login to my mobile banking application. I have also accidentally used some of the banks funds but immediately credited my account. The bank branch manager in XXXX XXXX WA branch Mr. XXXX has told me since XX/XX/2021 that he will resolve the issue, but I am yet to receive any answer and Im being told by the manager that my issue is going to be too priority but since Im still being under represented. I feel as though my business with KeyBank is being discriminated and manipulated. I am loosing patience with this bank so as soon as they receive an email from the CFBP I will want them to unfreeze my account and then I will remove all funds and discontinue business with KeyBank for me and my family members who are apart of KeyBank as well. Please help me resolve this issue to the highest order. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION
State: MI

Complaint narrative:
I was a customer of Simple banking. On XX/XX/XXXX they transitioned to XXXX. 

On XX/XX/XXXX, I followed the email instructions as sent by XXXX to set up my online account. 

Their website experienced errors on this day, and according to a banner on their website on XX/XX/XXXX indicated it was because of the volume of Simple customers setting up accounts on that day. 

I tried again later in the day on XX/XX/XXXX and was told that my account had been locked for security purposes and to call the customer service phone number. 

I tried to call the phone number and was placed on hold and the call failed after a few minutes. 

I tried again on XX/XX/XXXX and experienced the same dropped phone call. 

I called the customer service number again on XX/XX/XXXX and was on hold for several minutes before the call was dropped. 

I called again on XX/XX/XXXX and was on hold for XXXX minutes before the call dropped. 

I have yet to speak with a customer service representative, my account is still locked. I have no way to access my financial information. I have no idea if my bills are being paid. I have no idea what my balance is and I can not speak with anyone at the bank to access my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: OH

Complaint narrative:
I refinanced my home with my credit union, the title agency sent payment check XXXX  over night to Quicken loans, they did not cash the check, then listed a 30 day slow pay with all three credit reporting agencies, witched drop my credit score almost 100 points, I am over 20 e-mail deep with quicken, and phone calls, the title agency has provided proof of the payment that was sent XXXX, with shipping number and dates it was received at quicken, and the final pay of was received be EFT, they acknowledged the pay off but wont remove the 30 day slow pay from our credit reports! 

they just constantly push back making me jump through many process and never yet removing the 30 day slow pay that they received and did not cash.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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: Block, Inc.
State: FL

Complaint narrative:
clients sent me money which they deposited in my cashapp account. Cashapp closed my account for some reason, and they won't let me access the account, or withdraw or return the funds to my clients. i've tried at least a dozen times to resolve this and keep getting a " we can't access your account for security reasons '' response at the end of the process ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Wilber and Associates, P.C.
State: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX - Subrogation Support Clerk Phone XXXX Fax XXXX My mom called me on XX/XX/21 stating that she received a call and was told I owe {$3300.00} to pay for the damages to another person 's car from a hit and run accident in XXXX or I would be sued or get my license suspended. My mom also stated that they called my brother. 

Then on XX/XX/21 they emailed my mom documents which included a letter stating the amount, the bill for the other person 's car, and the crash report that the other person filed. 

Nowhere did they identify themselves as a debt collector and all along they implied they were an insurance company or attorney. Also no where is my car make, model, color, or license plate identified to prove this is even really my debt. Whereas, I can prove with receipts and five witness accounts that I wasn't even in XXXX on the date of this accident nor was I allowed to drive due to a medical procedure that was done the prior day.

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 2021-05-12 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: CITIBANK, N.A.
State: IN

Complaint narrative:
On XX/XX/2021, I was about to book a flight with XXXX XXXX and I noticed they had a promotion for a credit card with Citi. Part of this promotion was that I'd receive a {$200.00} credit after booking the flight via this new credit card. The messaging for this credit card application also mentioned that I'd be given a temporary account number with a credit limit to use in the flight I wanted to purchase. The exact phrase in the application was " If approved today, you will get an account number and temporary minimum credit limit to use on XXXX immediately '' I applied and was instantly approved, however I never received the temporary account number to purchase my flight with the new credit card. I called several support lines at Citi, and all they could tell me was " they will no longer give account numbers, even temporary, over the phone '' and told me to wait 7-10 days for the physical card. I applied for the card with the understanding that once approved, I'd be able to use it immediately, yet this did not happen, so Citi XXXX XXXX XXXX effectively ran a bait and switch to get me to get their credit card. Support offered no other recourse, and would not send a temporary account number via text or email, either. I had to proceed to purchase the flights with a different method.

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 2021-05-12 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: CA

Complaint narrative:
I disputed in XXXX i disputed unauthorized inquiries and multiple accounts that are not mine and several others that I was never late on. Also one account that is marked chapter XXXX which is wrong. I never received a full letter of explanation on how this was verified. I wrote a letter with the FCRA statue 611 and 615 and they completely disregarded my request. I believe they did not comply legally so I am insisting the credit I am disputing should be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Credit card or prepaid card — Store credit 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: Army and Air Force Exchange Service
State: SC

Complaint narrative:
I have gone back and forth with Military Star, XXXX  ( Store ) and AAFES. Each has said I need to contact the other. I have been charged for furniture that I never received. According to he FTC, this is illegal. Yet they put it on my credit report and then had my taxes garnished as well as my XXXX. Basically I feel that even though I have told all three the error, each wants to pass the blame on the other and still put it on my credit report and take my money for merchandise NOT received. I have made it crystal clear many times that this is the fact. Yet they illegibly took the money anyways. I have sent emails to several government offices for help and am asking for interest and fees as well as for damages done to my credit. 
All agree it is a mistake, but none want to correct it and continue to cause me harm, so I will be perusing every legal channel possible. I've written and spoken in person and on the phone several times to different parties. Again, everyone agrees it is a mistake and act shocked that I am billed for something I didn't receive, but no one wants to correct the problem.

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 2021-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION
State: NY

Complaint narrative:
It's been known for some time that BBVA was going to acquire Simple, but the process has been anything but seamless. XX/XX/2021 marked the day of the transition and since then, I, along with many other ex-Simple customers, have been locked out of our accounts. The prompt is to call customer service, but after staying on hold and hearing a dial tone, the line gets immediately cut. Many other customers are experiencing the same thing. This has been going on for four days now and I have no access to my checking account, can't check my balance, and can't receive or send money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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: CA

Complaint narrative:
I have been disputing the following accounts since XX/XX/2020 and the credit bureaus have verified them and in response, I have requested proof of verification and they have ignored my requests multiple times. They are verifying the accounts but still have plenty of errors which is severely hurting my credit score. I know my rights as a consumer is being severely violated and if this is not rectified, I am not beyond litigation. I have attached a copy of my report which you can clearly see all the errors within each account in question along with the last three letters to each credit bureaus I sent via Certified Mail ( including tracking number that confirms the credit bureaus received my letters ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( Original Creditor : 12 XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : 01 XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX ( Original Creditor : 01 XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was charged the late fee XXXX $ and an interest fee XXXX $ accordingly, from my Bank of America Credit. 
I am jobless due to Covid 19 pandemic, I have no income for more than one year. I tried to communicate with the bank to waive that? but they refused to me. So I am asking for help. 
Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Atlantic Recovery Solutions LLC
State: FL

Complaint narrative:
Atlantic Recovery Solutions has contacted me about having to collect a debt with the amount of {$1100.00} XXXX I think thats how much ) from XXXX. They said that I stopped using the XXXX account since XXXX - XXXX of 2020 and the purchaser never collected the debt. HOWEVER, I never arranged or bought anything on XXXX nor do I know how to do that. I havent accessed my account since I discovered not to long ago that it was an act of FRAUD. Whoever has purchase the funds to the debt has either hacked my account or has been impersonating me into the negotiations of the debt that I am getting ACCUSED FOR. Either or I have never authorized a purchase with any consumers of the XXXX industry. Please contact me furthermore about the standing investigation of this incident.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation