vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-19 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:
This has been my third time trying to deal with this. My identity was stolen please block and remove this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 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: DISCOVER BANK
State: NY

Complaint narrative:
In XXXX I was provided a copy of my credit reports which all 3 reflected a {$13.00} past due balance on a closed Discover Card account. This incorrect tradeline was having a significant negative impact on my credit scores and ability to purchase a new Florida residence. I immediately contacted Discover and they immediately credited my account the {$13.00} as I had paid and closed the account several months prior. However, Discover had refused to remove the late marker caused by the {$13.00} debit that was their error. A Discover credit representative suggested I dispute the issue with the credit bureaus which I have done. However, in the meantime Discover continues to allow this incorrect negative information to be be reflected on my credit reports and is impacting my ability to purchase my new Florida residence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 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: IL

Complaint narrative:
Around XX/XX/2021, I mailed off an identity theft report to TransUnion. TransUnion never updated me on fraudulent accounts being removed off my credit file. It has been over 30 days, and the company has not responded to my report. By law, the items in dispute need to be removed from my personal credit file immediately.

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 2021-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
i am writing a complaint regarding Transunion credit reporting agency they are reporting an inaccurate bankruptcy under my name that it foes not belong tome, i have disputed from all three bureaus and was removed from XXXX  and XXXX, but Transunion is giving me a hard time and not providing customer service what so ever, when i dispute it they don't even dispute i call a day later they say that was verified, literally in a day. please i am uploading the same documents which i uploaded and mailed to all three bureaus as a result XXXX and XXXX removed this inaccuracy and Transunion does not. please find attached my documents and help me to resolve this issue by removing the inaccurate bankruptcy from my Transunion credit file 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 explanation
Consumer complaint received 2021-03-19 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: CA

Complaint narrative:
XXXX XXXX XXXX reported a collection to Experian in XXXX for a debt from XXXX. They waited 10 years to even report it to Experian and Experian still has not removed it from my report. The only thing that Experian states every time I dispute this account is that the collection agency said it is accurate. They dont explain why its acceptable that the collection agency was allowed to wait 10 years to report it or why its acceptable that its still on my credit report when the debt is 15 years old. They provide no documentation verifying the accuracy. Ive made 4 disputes through Experian and also called them to explain the situation. Today, Ive called 10 times. They kept transferring me and disconnecting me. I spent several hours on the phone.

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 2021-03-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo IRS Confirmed my stimulus 3 ( for {$1400.00} ) was sent on XX/XX/XXXX to my Wells Fargo Debt Card ending in XXXX. 

The IRS said if I did not receive it, call my bank. 

Wells Fargo acts clueless when you call them and they do not anticipate the needs of their customers by sending them daily updates or telling them not to worry. 

What are they doing buying short term financial instruments to gain a short profit buy sitting on our money? 

Are they sitting on the money to somehow make their quarterly reports have more cash on the books? 

They can't even update their customers and today is Friday?

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 2021-03-19 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:
I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 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: AZ

Complaint narrative:
equifax has not been responding to me nor investigating my disputes nor sending me any proof of their investigations for the past year as a consumer this has caused major distress upon me and has ruined my reputation as a consumer due to their fraudulent actions. Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( I ) which is the term credit card means any card, plate, coupon book or either credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from My consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you delete these Transactions from my credit report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41. 
Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX XXXX Unverified Account U.S bankruptcy Court XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account The following public record you are reporting is also against my rights as a consumer the original furnisher/ court has informed me they dont report data to credit reports therefore you are not following the laws that govern how to report data on consumer reports only the original creditor can report data with a written consent document. You have verified this public record without proof ( written consent ) going against 15 usc 1692 ( j ). This is an infringement upon my rights and you failing to comply with these laws have ruined my reputation as a consumer. XXXX has already complied with these laws in regards to these account proof is provided on the next page. They followed these laws, why haven't you? How are you verifying this information per law? 
I demand the following accounts be deleted immediately. 
The following addresse ( s ) are inaccurate and need to be deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, AZ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Good Afternoon, This complaint is regarding a refinance of my current mortgage. 

In XX/XX/XXXX, I was invited by a Chase Bank employee to apply for a refinance of my current mortgage. 

After discussing my particular situation with a loan officer, I filled out an application for refinance. 

I was assured by the loan officer that my financial situation is on solid footing to complete a refinance. I informed the loan officer that I am only interested in seeing a refinance through to the end. If there was any question about qualifying for the refinance, I would rather not apply as my refi would include several costs that could not be recouped ( XXXX payment of approximately {$1000.00} and appraisal cost of approximately {$450.00} ) among the more costly expenses. 

Throughout the loan process, I provided all the documentation that was requested in a timely manner as part of the loan process. No documents were omitted. 
In XX/XX/XXXX, I received conflicting explanations from the lender about not qualifying for the refi. At first, I was informed that I did not qualify for the refi because my debt to income is too high. 

I was later informed that I did not qualify for the refi because I did not submit required documents. 

As discussed, I informed the lender during the application process that I was interested only in a refi that would be seen through to a closing. 

How is it that during the application process I qualified for the refi, but after a lengthly loan process ( over 6 months ), I did not meet debt/income requirements. Why was this not disclosed earlier in the loan process? 

After 6 months of waiting for the loan to move to closing and having spent over {$1500.00} in loan fees, I was informed on two separate occasions that my loan would not move to closing due to differing explanations. 

Something does not seem right with the manner in which this loan was handled by Chase Bank. How could I be informed that I wouldn't qualify based on income/debt ratio one day and then informed I wouldn't qualify because I did not submit documentation on a subsequent discussion with the lender? 

All the documents that I submitted to the lender are time/day stamped on Chase 's loan website. All requested docs were submitted in a timely manner. 

Thank you for taking the time to help me with this dilemma. I appreciate it. 

Respectfully, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
This is not a duplicate, my previous Complaint " XXXX XXXX XXXX '' say they not quite sure why nor how its a HIPAA violation. law is clear like the previous document I provided, XXXX XXXXXXXX XXXX XXXX  } did NOT provide me a HIPAA release, that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. you state that your are associates with the Original creditor, that don't make you the original creditor. so how did you get access of my private medical history with out a HIPAA release form. which is a violation.

I sent a validation request months back, you sent me a insurance claim that is not a HIPAA RELEASE FORM.

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 2021-03-19 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: TN

Complaint narrative:
I am a victim of identity theft. I have six inquiries on my credit report that were not authorized by me. These inquiries are fraudulent. The fraudulent inquiries are : XXXX on XX/XX/21 ; XXXX XXXX XX/XX/21 ; XXXX XXXX XX/XX/21 ; XXXX, XXXX XXXX XX/XX/21 ; XXXX XX/XX/21 ; XXXX XXXX, XXXX XXXX XX/XX/21 - Attached is the FTC report showing which companies have placed fraudulent inquiries and my ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Received a letter from Bank of America stating we have unused funds from an EDD prepaid debit card. When I tried to claim the funds B of A said they can only send the money to the address on file which is my previous address. B of A told me to go back to EDD and change my address which I can not do because this my EDD claim is from XXXX and closed EDD does not keep information that long. 

Bank of America is holding over {$2000.00} of my money and will not release it. They said they will send it to The State of California in XXXX and I can get it from the unclaimed property division. Not acceptable when I have other accounts they can verify our current address from. The letter also current address.

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 2021-03-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Care Act for FHA, application made on XX/XX/XXXX In XX/XX/XXXX, Maryland shut down due to the COVID-19 pandemic. I received a mortgage deferment ; I was not behind on the mortgage payment, just out of work due to the Maryland State shut down. The agreement was that after the deferment, I would make my payments starting on XX/XX/XXXX. In XXXX, I started making my payments, although I wasnt back at work full-time but part-time. I still made my payments as expected as agreed in XXXX XXXX around the same time, the cares act for borrowers with the FHA XXXX VA XXXX or USDA loans was offered. I made the application on XX/XX/XXXX, and the BOA representative told me that it was complete ; I didnt need to sign any papers. Then I did it again because another representative called me and said the application wasnt made, so I did it again with a representative, and once again, I was told the application was complete I qualified for it. No other paper needs to be signed. I've making my payments were excepted thought I was on the right track. I called BOA in XX/XX/XXXX to get my interest statement to get my paperwork in order, and thats when it was bought to my attention that I was behind on my loan. I was very confused because I did the application on XX/XX/XXXX. In XX/XX/XXXX, the BOA representative said that BOA mailed the paperwork to me on XX/XX/XXXX, and I did not sign it, so I miss my chance of qualifying for the cares relief act. Ive tried to talk to BOA a representative It didnt make any sense that I was among of the first group to complete the application following the cares act on XX/XX/XXXX ; why did I not get a chance to sign the papers if the paperwork was needed to sign in the beginning, and also Im confused if I made the application on XX/XX/XXXX why wasnt the paperwork mailed to me until XX/XX/XXXX uncertified. I am currently trying to work with Bank of America. BOA is trying to get me to refinance on their terms or start the short sale process. I need some assistance at this point because I wasnt behind on my mortgage before the pandemic. I started my payments and have been consistent since the deferment,. The cares act has been extended, and I still havent spoken to anyone to help me get this issue resolved. Im a single parent mother of a child with XXXX, and Im trying to do the right thing I wasnt behind on my mortgage before the pandemic, and Ive been consistently making payments after the deferment, please help me get back on track --

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 2021-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: CO

Complaint narrative:
I received a letter in the mail on XX/XX/2021 from the Transworld Systems Inc. However, because I am a XXXX, I didn't check the mail until yesterday on XX/XX/2021. 

The letter is a collection notice of an attempt to collect a debt of {$150.00} to XXXX XXXX XXXX XXXX. 

I have no idea what this debt is about. I've tried contacting XXXX and XXXX XXXX but I can't get through to an actual person. 

I will be sending a validation letter to XXXX XXXX today.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 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: VA

Complaint narrative:
I was scammed into investing with a real estate/entrepreneur money making scheme called the XXXX XXXX XXXX method. This company is know as XXXX XXXX and enticed individuals to open credit card accounts to pay for their educational services. In XXXX of XXXX the Federal Trade Commission issued Preliminary Injunction Order : XXXX, requesting XXXX XXXX to suspend all activity for services in connection with advertising, marketing, promoting, or offering for sale of any goods or services for making false claims. 

On XX/XX/XXXX the Federal Trade Commission filed the " Second Amended Complaint for Permanent Injunction and Other Equitable Relief '' Case No. XXXX vs. XXXX XXXX  and the case is still pending resolution. The permanent injunction is attached. 

XXXX XXXX assisted and enticed me to open this account and charged me for their services which were deemed fraudulent by the Federal Trade Commission. I've attempted to contact to resolve this issue with Bank of America with no assistance from them. Countless hours have been spent trying to remediate the fraudulent charges but they do not agree. This has severely affected my Credit Score.

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 2021-03-19 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: TN

Complaint narrative:
On XX/XX/2020, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes and concerns. 
Section 611 ( A ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts 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 hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX my credit card with Capital One Mastercard was compromised. I requested a new card and the old card was canceled. Before I got my new card, there was another attempt for a fraudulent charge from XXXX but it was declined. I received my new card and in XX/XX/16 Capital One gave my new card number to XXXX even though I have never paid XXXX before so I was once again compromised!. I realize credit card companies usually update card numbers with reoccurring charges but they should at least check to see if the merchant was ever paid before. I ended up canceling my entire account because they could not promise it would not happen again. I also tried to call XXXX but they are not answering their phone so I could not let them know that someone opened a fraudulent account in my name. Credit card companies should not be allowed to provide your information to anyone or at the very least I should be able to opt out of this practice. I'm appalled that the actual credit card companies are allowed to be unsafe with our information!

Company response to consumer: Closed with explanation