vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-19 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: CT

Complaint narrative:
On approximately Saturday, XX/XX/21, at about XXXX am. I called Bank of America to report suspicious activity associated with my bank account and the suspicious record keeping involving my credit card account and missing financial funds. Only to inappropriately learn that I was being illegally charged {$10.00} dollars for each and all financial withdrawals through the ATM machine? 
Which I had no prior knowledge of or either ever having agreed to said illegal terms arbitrarily placed upon me?

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 2021-01-19 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
I applied for a mortgage through indigo mortgage and was supplied a pre approval letter. While going through the home loan process and two weeks before closing Equifax has no credit information on me and is reporting as fraud. I have called Equifax several times to resolve and have heard nothing. They say they dont know why its not reporting. This is causing me to possibly lose the house I was buying. Buyer has granted me an extension for 10 days to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have filed disputes with XXXX, Transunion and XXXX back in XX/XX/2020. This is now XXXX and I still have yet to received anything from them. I want to fix my credit report and this is holding me up and I don't understand why they haven't reply to me yet.

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 2021-01-19 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: CA

Complaint narrative:
I have filed disputes with XXXX, XXXX and Equifax back in XX/XX/2020. This is now XXXX and I still have yet to received anything from them. I want to fix my credit report and this is holding me up and I don't understand why they haven't reply to me yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: FISERV FINXACT CORE
State: WA

Complaint narrative:
EIP card for stimulus. Was given directions on how to activate card for use. Call the phone number on the information and asked for card number. Upon entering card number into system, it then ask for my password. I do not have a password as I am suppose to call this number to activate the card and create a password when I call. Can't give a password that doesn't exist. There is no one available to answer this issue as every time I call, it ask for the exact same request for a password that hasn't been made yet!!!!

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 2021-01-19 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: NY

Complaint narrative:
I AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.

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 2021-01-19 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: NY

Complaint narrative:
I AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TransUnion claims that I send additional information on my current dispute. However, they're attempting to combine two separate investigations with additional 15 days. I never send the same dispute for additional information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 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: TN

Complaint narrative:
I have been fighting with Discover for almost two years concerning an unauthorized credit account opened in my name. I have filed and sent the company and respective credit bureaus copies of police reports, FTC identity theft affidavits, multiple letters, and proof of my identity. The items were initially removed from my credit report, then Discover certified to the credit agencies that they are holding me responsible for this debt. Shortly thereafter, it was added back to my reports. I feel as if I am being revictimized by this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC
State: AZ

Complaint narrative:
To whom it may concern I had XXXX XXXX in a chapter XXXX bankruptcy and in XX/XX/2020 they sent me a letter saying I had to pay even though it was already settled in the bankruptcy last for number of the account is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 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: UT

Complaint narrative:
I have a few accounts that are still currently updating on my credit file that were included in my 2016 Bankruptcy. I have contacted the creditors multiple times and have sent them a few disputes requesting they report accurately but I have yet to receive a response. I don't understand how the bureaus can allow this to happen specially after I disputed it directly to you and notified you that they were against the Bankruptcy stay. This is now affecting me when I try to get financing, which is should not, and I've spent too much time, money and energy on trying to get these violations resolved. The creditors in violation on my credit file are XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX. I need these accounts to be back dated and reported correctly on my credit file. I understand my rights as a consumer and will take further action if needed. Please fix these accounts on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I have a few accounts that are still currently updating on my credit file that were included in my 2016 Bankruptcy. I have contacted the creditors multiple times and have sent them a few disputes requesting they report accurately but I have yet to receive a response. I don't understand how the bureaus can allow this to happen specially after I disputed it directly to you and notified you that they were against the Bankruptcy stay. This is now affecting me when I try to get financing, which is should not, and I've spent too much time, money and energy on trying to get these violations resolved. The creditors in violation on my credit file are XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX. I need these accounts to be back dated and reported correctly on my credit file. I understand my rights as a consumer and will take further action if needed. Please fix these accounts on my credit file.

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 2021-01-19 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: CrossCountry Mortgage LLC
State: CA

Complaint narrative:
I am not getting any updates as to where my refinancing status is. I started this process back in XX/XX/2020 and still have not been closed. I have been told not to make my mortgage payments for the last several months because I was told everything would close within that month. So I had to continuously scrape up money to go backwards and pay the mortgage for prior months, which also included late fees. This is getting to be more stressful and upsetting. I have reached out several times to my loan officer and I get no responses. I have sent complaints through the companies website. No response. This is becoming a financial burden, and I need it to be closed out as soon as possible. It has been six months.

I have saved all the emails I have between me and my loan officer si nce the start of the refinance process, which also include my concerns/complaints.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I received a letter from your firm stating that my letter requesting verification of erroneous items on my report has been classified as " frivolous '' or " irrelevant ''. I assure you that in no way do I consider a matter of such importance to me as frivolous or irrelevant. In fact if you do not honor my original request to verify the items contained in my previous letter, mailed ( DATE SENT ) via certified mail, I will file a complaint with the Federal Trade Commission against your company. 
I have included my original disputes for your convenience below : The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible : 1. The following information is outdated. I would like it removed from my credit history report XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
1. This account does not belong to me. 
XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

2. Other information I would like changed XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

3. The following personal information is not mine : Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX please delete it.

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 2021-01-19 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: FL

Complaint narrative:
I received a copy of my credit report and found the following item to be errors. See the attached copy of my credit report ; the errors have been highlighted. Here as follows are items in error : 1. I have never been late with payments on this account. 
XXXX XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed.

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 2021-01-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USCB, Inc.
State: MD

Complaint narrative:
In 2019, and while insured by XXXX XXXX in XXXX California, I visited Maryland ( where I have now moved ) for several months and received medical attention from a XXXX XXXX XXXX injury here. 

Before receiving the medical attention, I contacted a XXXX representative in California who advised me that any medical services that I received in the XXXX / Maryland / Virginia area would be covered by my XXXX plan in California, provided that I received the attention at XXXX XXXX. 

I was further told that medical services received from non-XXXX facilities may be covered as well but in more limited circumstances, so I made sure to only receive care in XXXX owned and operated facilities. 

When I later permanently moved to Maryland, I officially switched my coverage to XXXX XXXX. At no point was I without coverage, either by XXXX of XXXX California or XXXX XXXX. 

After several months of services from XXXX XXXX, I was informed that I owed out-of-pocket costs from the services previously rendered in the XXXX XXXX facilities while I was a member of XXXX XXXX California. 

I disputed the charges with XXXX 's internal dispute resolution services, and during the last call I had with them I was told that since their records confirmed that I was completely covered by a XXXX plan ( whether XXXX California or XXXX ) at all times, I would not be responsible for any out-of-pocket charges and they would be resolved internally. 

I believed that the matter was resolved until I received a letter yesterday from USCB America, informing me that they are attempting to recover a debt of {$2800.00} owed by me to XXXX XXXX XXXX. I ran my free credit report and this has in fact been reported and my credit score has been significantly lowered as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
I contacted transunion on several occasions disputing and requesting the description of the procedure used to determine the accuracy and completeness of the debt they claim I owe. I have also contacted the creditors in order to confirm the debt they claim I owe. Since these creditors can not verify these debts, Even tho I am the alleged debtor, transunion couldnt have verified these items. The FCRA, FDCPA and FCDA require a signature on a original consumer contract for a debt to be valid. As per FTC opinion letter of attorney XXXX XXXX XXXX you should be aware that a print out of a bill or itemized document doesnt constitute verification. I would like to inquire how these accounts were verified without providing any proof during my signature. I formally request the method of verification or any document provided during my signature showing that I have or had a legally binding contractual obligation to pay the debt your company is reporting inaccurately. In accordance with the Fair Credit Reporting Act section 168 i, Your company is required to reinvestigate these items and delete them in the absent of any such documentation baring my signature. If you cant show proof that you have verified these debts and you continue to list these items on my credit report I am prepared to sue your company under the Fair Credit Reporting Act.

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 2021-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: MO

Complaint narrative:
Debt collector sent a letter claiming a balance from cable company was owed and has went to collection. Called cable company, they said there is no balance due on the account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Hello, I called Bank of America on Friday XX/XX/XXXX regarding a negative XXXX balance on my checking account. Apparently something fradulent had transpired and I decided to close my checking account and start a brand new one. I called again on Saturday XX/XX/XXXX to see if they have closed my checking account and they have not. I want to know why they haven't closed the account with the negative balance that they put. 

Best regards

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 2021-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo lost my account information and refuses to fix it. I can not transfer money out of my account without physically going into a branch during a global pandemic. They 'investigated ' the issue for over a month and concluded that there is nothing they can do other than have me open a new account, which also requires me to go in person to a branch. 

Wells Fargo is a bad actor. They fraudulently open accounts in my name and then refuse to fix their error. Then they have the gall to suggest that I open another account as the only remedy.

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 2021-01-20 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I believe there is an incorrect collections account reported on my credit bureau. I have successfully filed a complaint with 2 of the large bureaus using their on-line tools and call center. I have tried repeatedly to file a dispute with Experian but am unable to do so. I receive an error message on-line with direction to call an 800 #. When I call the 800 #, there is no option in the IVR to solve the problem. Instead ... they are trying to see me credit monitoring services. I looked online for other 800 # s to call. None of them were any use. 

So - I find myself in the odd situation that I'm unable to file a dispute because Experian has subpar consumer tools. I need help.

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 2021-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: Certegy Holdings, LLC
State: TX

Complaint narrative:
XX/XX/2021 I walked into XXXX to cash my US treasury Stimulus check XXXX $ Provided my state ID and social security number, they would not cash it. 
The reason was not given. 
I was denied by this company : Certegy check cashing I called the number provided on the recipes however the representative declined to give me any information on why It was denied. 
It seems odd that a us treasury check can be declined, as the funds are backed by the Us treasury, and electronic verification systems can instantly verify the validity of the check. 
I ended up having to go to XXXX instead.

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 2021-01-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: OneMain Finance Corporation
State: NC

Complaint narrative:
I got pre approved and was never informed in the advertisement that it was a title loan service and I would like the inquiry removed when I called the location as advised they where combative and careless.

Company response to consumer: Closed with explanation