vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I checked my credit report on an app I have and I received a deletion from XXXX XXXX, yet TransUnion and XXXX  is still reflecting a derogatory account under my name I would like this deletion removed as stated In the fcra Please see documents they sent to notify of the deletion Thank you Sincerely 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 2020-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH

Complaint narrative:
I tried contact with the bank citizen and sent the letter and evidence the bank not received and i called probably 25 times about the fraud of XXXX more fee the bank not give my money back i did the contact with business bureau the bank not did contact with me and not fix the situation, i loser XXXXa lot money and more fee of bank i am not happy with the customer service Clain XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 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: AR

Complaint narrative:
As I decided to purchase a jet ski for summer fun my salesman told me that in order to get it financed I had to get my credit report pulled. He pulled my credit report and I was in deep shock on all the items listed on my report that did not correspond to me. Could you please remove those items from my report. 

XXXX XXXX XXXX  XXXX {$950.00} XXXX/XXXX  XXXX {$150.00} XXXX XXXX XXXX XXXX/XXXX XXXX {$15000.00} XXXX XXXX XXXX XXXX {$16000.00} XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX {$290.00} XXXX XXXX XXXX XXXX XXXX {$3900.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} XXXX XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants Credit Bureau, Inc.
State: GA

Complaint narrative:
I rented from someone that has many properties. I worked for him XXXX  and also made payments every month in the amount I signed my 12 month lease for. I dealt with terrible conditions of this trailer for 12 months. There was a water leak that was never fixed that caused big hole in the floor. I asked them to fix and was never fixed there was a bedbug infestation from the time I moved in up until I moved out at the end of my lease. He never did anything and my children got sick from it.. Also mold that was never fixed. After my lease was up I moved and I told him I was leaving that I would not renue my lease because he never moved me out of the home nor did anything about the conditions, he sent off documents stating that I moved out 3 months before my lease was over and that I owed him for them 3 months and as well as charging me for the conditions of the trailer in the amount of XXXX bucks.. I have all documents proving I do not owe anything and as well as conversations between him and I about the conditions of the home.. As well as every recipe for rent for every month.. I am taking him to small claims court because this is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Midland Credit keeps contacting me by phone after I had mailed then a cease and desist letter by registered mail on XX/XX/XXXX, which they received and signed for on XX/XX/XXXX. They called me on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They left messages about how they are trying to collect a debt. So I am filing this complaint.They won't leave me alone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
We had XXXX XXXX financed with USAA and insured by USAA. Car was totaled XX/XX/XXXX ( as it happens, by another USAA member ). Notifed ins co XXXX. Notified bank XX/XX/XXXX. Ins claim dragged on through inept behavior by USAA 's inhouse ins adjuster - not returning calls, not answering phone, in an attempt to play out the clock. They towed car to XXXX   immediately, then back to XXXX XXXX, then back to XXXX  ( 200 miles +/- ) I complained to CEO of USAA stating that the loan was not past due ( due on XXXX XXXX ) but would be soon if they didn't DO THEIR JOBS. On XX/XX/XXXX, a woman named XXXX ( employee number XXXX ) called back saying she is from the CEO 's office. She was vicious. I explained that USAA HAS the vehicle and we're waiting for their insurance company do do their JOBS and pay the claim. She said she didn't care - we have to pay it anyway. I told her no There were 'words '. I hung up on her, told her to stop communicating. She continued to call every other day after that. The insurance company notified me that they'd issued electronic credit to pay off the vehicle on XXXX XXXX. The calls kept coming anyway. USAA informed me that they hadn't credited as of yet. They held the money for many days before showing it credited ( they backdated it to accomplish this ). This appears to be fraud. I have in my possession, a letter claiming we're in default, dated XX/XX/XXXX, and a letter from USAA dated XXXX XXXX stating loan was paid in full. I have emails if you wish them, proving that they received funds on XX/XX/XXXX. 

This is nothing short of mean-spirited harassment and refusal to work with a customer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 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: CITIBANK, N.A.
State: NH

Complaint narrative:
On XX/XX/2019, I reported a possible purchase fraud ( Actually it was my purchase ) for {$1700.00}. After Citi bank finished fraud investigation, Citi bank posted double charges to me. I contacted Citi bank many times and also vendor ( XXXX ). The vendor told me only charged once but Citi bank declined investigation with the reason of the post date beyond 60 days. When I claimed duplicated charge at early XX/XX/2019, it was already beyond 60 days ( initially posted on XX/XX/2019 ). But Citi bank still asked me to offer further information. I provided all information during XXXX and XX/XX/2019 period. But Citi bank sent me a letter on XX/XX/2019 to say it was beyond 60 days. The vendor sent me email letter on XX/XX/2019 to say only charged once and ask me to let my bank to file duplicate charge. I contacted Citi bank many times and each time representative always let me wait 7 to 10 business days. 
My XXXX credit statement only posted single charge. But XXXX statement became double charges. Citi bank representative understood the problem but told me the decision depends on investigator. So that it becomes call-wait-call-wait.

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 2020-01-30 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: VA

Complaint narrative:
I started reaching out to Experian on XX/XX/XXXX to request the deletion of an account since the incorrect information was reporting. However, following the dispute, it was still appearing on my credit report, which I did not agree with. I contact Experian multiple times over the year a few dates were XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX. In which I finally received a response dated XX/XX/XXXX, which updated the account but did not resolve the matter. Actually, with these results the charged-off date which showed XX/XX/XXXX were adjusted to XX/XX/XXXX and then re-added as a charge off AGAIN in XX/XX/XXXX -- - which is when they had completed the dispute. This is completely inaccurate and greatly affecting my ability to obtain credit essentially defaming my character. I then sent letters explaining how the information report was false, and initially, they told me it was accurate and marked my dispute frivolous. However, that is not an option for me! So I filed another dispute informing them they re-aged my debt and marking it as a charge off in XX/XX/XXXX -- 2 years after it appeared closed it absolutely incorrect! They have failed to assist me in correcting this matter. I am filing a complaint because I am confident I have requested there help more than enough times in which they have failed to rectify the situation and delete the account -- which at this point should absolutely 1000 % be deleted per the FCRA laws. I look forward to hearing feedback in resolving this matter.

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 2020-01-30 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: KY

Complaint narrative:
I have several fraudulent inquiries on my Equifax credit report. I have submitted multiple disputes online, over the phone, and by mail. I have sent the FTC Identity Theft Affidavit 3 times by certified mail and sent it 3 times by electronic means. Have called and spoke to numerous supervisors at Equifax for hours on end, all to be told that these can't be removed from my credit report. 

Their dispute website clearly has an area to dispute fraudulent inquiries, but they will refuse to do so. This is misleading to consumers. They have almost impossible verification procedures when calling to speak to someone, but they sure didn't have that problem when someone got my information and is using it to try to open new accounts. In my opinion, they need to be closed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-30 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: I.C. System, Inc.
State: FL

Complaint narrative:
As of XX/XX/2019, I received a collection notification on my credit report from a company I have never had ties with and do not recognize for the amount of {$62.00}.

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 2020-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC.
State: NC

Complaint narrative:
My mortgage is with Suntrsut Bank. I am 14 months into an active Chapter XXXX. The mortgage lies outside the Chapter XXXX plan. I had made payments in full, ont time. In XXXX of 2019, the payment went up by almost {$500.00} per month. I feel this is egregious to anyone, let alone someone in my position. I had an initial conversation with the mortgage team at Suntrust who told me they could work on a modification plan with me. My attorney sent them the documentation giving permission for them to do this on two occasions. I never heard back. I was given an email alias only by the mortgage team to communicate with the Bankruptcy team. Several emails went unanswered. I have heard nothing back to this point. 

It seems this is being done by design.

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 2020-01-30 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: CITIBANK, N.A.
State: AL

Complaint narrative:
On XX/XX/XXXX Citi Card alerted me of illegal transitions on my credit card. I contacted them back on XX/XX/XXXX and realized that I had 4 charges from the same merchant in the amount of XXXX, XXXX, XXXX, and XXXX. The credit card was canceled and the Bestbuy Citi bank representative assured me I would not have to pay back said amount. On XX/XX/XXXX I was told that I would now be responsible for the charges. They investigated and said it was legit charges and sent me a letter stating this. I have sent in a police report and a certified letter to Bestbuy citi card disputing the fraudulent charges on my card. The letter that I got, I cant read, because the words are so small. I called bestbuy, and they cant tell me neither, because so small.On XX/XX/XXXX was told by bestbuy representative that my case is being reopened. Can you help me. Thanks

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 2020-01-30 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: AR

Complaint narrative:
As I decided to purchase a jet ski for summer fun my salesman told me that in order to get it financed I had to get my credit report pulled. He pulled my credit report and I was in deep shock on all the items listed on my report that did not correspond to me. Could you please remove those items from my report. 

XXXX  XXXX XXXX  XXXX {$950.00} XXXX/XXXX XXXX {$150.00} US DEPT OF ED/XXXX  XXXX {$15000.00} XXXX XXXX XXXX XXXX {$16000.00} XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX  XXXX XXXX  XXXX   XXXX  XXXX {$290.00} XXXX XXXX XXXX XXXX XXXX {$3900.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} XXXX   XXXX  XXXX {$0.00}

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 2020-01-30 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: AR

Complaint narrative:
As I decided to purchase a jet ski for summer fun my salesman told me that in order to get it financed I had to get my credit report pulled. He pulled my credit report and I was in deep shock on all the items listed on my report that did not correspond to me. Could you please remove those items from my report. 

XXXX XXXX XXXX XXXX {$950.00} XXXX/XXXX  XXXX {$150.00} US DEPT OF ED/XXXX  XXXX {$15000.00} XXXX XXXX XXXX XXXX {$16000.00} XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX  XXXX XXXX XXXX   XXXX XXXX {$290.00} XXXX XXXX XXXX XXXX XXXX {$3900.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} XXXX   XXXX XXXX {$0.00}

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 2020-01-30 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: OH

Complaint narrative:
Equifax and XXXX  are reporting incorrectly that I am ( 120 ) days late on USD/XXXX  partial account numbers ****XXXX ; ****XXXX  and ****XXXX. ( Please see pages attached from my credit report. ) These accounts report a  {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items needaf to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 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: OH

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am ( 120 ) days late on XXXX/XXXX partial account numbers XXXX ; XXXX and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items needaf to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2020-01-30 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: VA

Complaint narrative:
Transunion is incorrectly reporting me as an Authorized User on the XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX and XXXX. I have contacted the bureaus to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Dynamic Recovery Solutions, LLC
State: ME

Complaint narrative:
Received letter about said debt. The amount is incorrect as adjustments were made long ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I receive an offer by Wells Fargo through a direct email, offer was simple, open a checking account get direct deposits of XXXX or more monthly for 3 months and after 45 days receive the bonus of {$400.00}, I went to a banker with this code and he opened my account, gave him my SSN, passport and he confirm that I was eligible as long as the requirements were met. I fulfilled the requirements on XXXX and went last week to see how the process was going, they told me that everything was alright but they needed a W-9, I told them I was not a XXXX and they told me they could not give me the offer anymore. 
I received this same type of offer from XXXX on 2017 and had no issues, they also knew I was not a XXXX  by the time I opened my account, to proof this I applied for a credit card with the same banker that opened the account on the same week I opened the checking acc and the banker told me I was not going to get the credit card cause they only gave those to american XXXX but would not hurt to try. 
Considering this false advertisement and bad managed situation I believe my case is funded and that Wells Fargo is not fulfilling his promotion, as it as not done in the past, this bank has a bad history of this situation on the news, as I am sure you are aware.

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 2020-01-30 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:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Bank Of America has on my credit report XX/XX/XXXX a hard Inquiries regarding a car loan I never requested no auto loan from Bank Of America on XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation