vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TransUnion has repeatedly declined to provide the weekly report ( as outlined at https : //www.consumer.ftc.gov/blog/2021/03/free-weekly-credit-reports-during-covid-extended-until-april-2022 ). 

In response to my requests, they send postcards stating I have already received my annual report and must pay {$11.00} to obtain an " additional credit report. '' I received the first such refusal via a postcard dated XXXX. 

I submitted a written request ( to : XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX, GA XXXX ) for a current credit report. I attached a description of the problem and a copy of TransUnion 's rejection card. These Items were mailed on XXXX, I did receive a TransUnion report dated XXXX somewhat later. 

I received the second such refusal on XXXX via a card dated XXXX. 

I have very good credit, however, two data communications business have employed a very similar strategy to injure my credit where they continue billing for a service I have EXPLICITLY CANCELLED, run up a " tab '' in the background and then shop it out to collection agencies who file on my credit record. Their unjustified reports of nonexistent debts have impacted my credit score up to 130 points.

My attorney and I have been working on these false reports for almost two years. All this has been an outrageous waste of time and money. TransUnion -- by far the worst of all three credit bureaus -- has been particularly obtuse and belligerent about removing these falsified " debts '' despite being repeatedly provided with documented evidence there is no underlying debt. 

Presently, my credit record has been cleaned but a THIRD data communications company is on the horizon and seems to be maneuvering toward the same objective. Worse yet, this appears to be the latest thing in tech industry chicanery ( XXXX XXXX : XXXX XXXX XXXX ). 

While these external details are beyond the scope of this complaint, I need access to current, hardcopy reports of the status of my credit accounts to manage the onslaught. 

It is clear these rejections are to the financial advantage of TransUnion and it is almost certain I am not the only person to have suffered from such rejections ; perhaps some have even been tricked into paying the extra charge. Your action to dissuade TransUnion from this activity will be appreciated by all.

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 2021-10-25 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: TN

Complaint narrative:
Submitted copy of my dispute letters on XXXX company has failed to respond to my letters, complaints, or investigations

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 2021-10-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Without notice my Citi XXXX  XXXX XXXX  credit card account was closed on XX/XX/2021. When I called to ask why I was told that I would receive a letter explaining the reason. I received a letter on XX/XX/XXXX with no explanation, just the requirement to send a letter via snail mail to get a reason in writing. I can find no reason why my account was closed. 

Additionally, their closing my account had a very undesirable impact on my credit score for no obvious reason.

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 2021-10-25 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: NJ

Complaint narrative:
Hi, I'm writing to complain that Citibank didn't give me XXXX bonus intro points ( = {$800.00} ) even though I had spent over {$4000.00} after opening this credit card within the first 3 months. I want Citibank to fulfill their promise to consumers as advertised by giving me the XXXX bonus intro points or {$800.00} cash equivalent I deserve. 

On XX/XX/XXXX at XXXX EST, I had a call with a Citibank rep inquiring about this credit card bonus offer and received the confirmation that I will get the XXXX bonus intro points after I convert my old inactive Citibank credit card over to this new Citi XXXXremier Credit card. With that confirmation, I decided to open the credit card and received the confirmation email on XX/XX/XXXX to activate my new card. 

Since then, I had used the Citi Premier Credit card to pay for various expenses to hit the threshold of $ XXXX in order to be qualified for the bonus. 

Today on XX/XX/XXXX at XXXX EST, I called Citibank Thankyou points phone line to inquire why I still haven't receive the bonus point. I was connected to their rep named XXXX ( agent number # : XXXX XXXXXXXX ) who, after listening to the previous recording on XX/XX/XXXX, told me that the previous rep whom I talked to on XX/XX/XXXX had made a mistake, they apologized for the mistake, BUT they're NOT going to honor the full bonus offer. She said the guy resigned shortly afterwards and it was a miscommunication on their end but they're not willing to fulfill the promise of XXXX points now. She said they can only offer XXXX points which is unacceptable to me because I wouldn't have chosen to open and spend that much money on Citi Premier Credit card when there are so many other credit cards out there. 

Their rep XXXX was rude to me and my husband when I was the phone complaining about being misled by their previous rep. She cut me off many times in the conversation and said " it's up to you if you want to accept the XXXX points but that's the maximum we can give ''. She even said " everybody makes mistakes '' which she clearly knows that the mistake was on their end. And she even tried to manipulate the wording but saying that I asked the previous rep about the " bonus '', but the " bonus '' can mean many different things like reward points, which are clearly not the same as bonus. 

I've attached copies of the statement, recording of part of my conversation with the rep named XXXX on XX/XX/XXXX, and email confirmations on opening the account. 

Again, I want Citibank to fulfill their promise to consumers as advertised by giving me the XXXX bonus intro points or {$800.00} cash equivalent I deserve AND apologize for their mistake.

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 2021-10-25 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: IL

Complaint narrative:
i have 2 collections on my account that should not be there. i disputed it so many times with them and with you guys and nothing happens. they are still on my report. they were suppose to be deleted a long time ago. i tell them its fraud and the try to get me to settle for a payment when its fraud!! I want them to remove the collections off my account all three bureaus play a part in, Experian, XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-25 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:
i have 2 collections on my account that should not be there. i disputed it so many times with them and with you guys and nothing happens. they are still on my report. they were suppose to be deleted a long time ago. i tell them its fraud and the try to get me to settle for a payment when its fraud!! I want them to remove the collections off my account all three bureaus play a part in, XXXX, Transunion, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 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: IL

Complaint narrative:
i have 2 collections on my account that should not be there. i disputed it so many times with them and with you guys and nothing happens. they are still on my report. they were suppose to be deleted a long time ago. i tell them its fraud and the try to get me to settle for a payment when its fraud!! I want them to remove the collections off my account all three bureaus play a part in, XXXX, XXXX, Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I filed a complaint with CFPB against CITBANK in regards to wire fraud on my account. Money was stolen from my checking and savings account. I did all the necessary steps to notify the bank of the money being stolen but the bank failed to act in a timely manner which caused the funds to unrecoverable. 
Citibank responded to the CFPB complaint advising they reviewed the complaint and were closing it by issuing monetary relief to reimburse me for the money stolen. 
I have tried to call the bank to obtain the funds so that I can close my account and each time I call nobody knows what I am talking about. I can't even get them to release my direct deposit from the IRS or My Payroll that were sent there after the hold was placed.

I even called the number on the Citibank letter and no one can even answer my questions and act as if they don't know what I am talking about.

I am still unable to obtain funds that were deposited and unable to receive the reimbursement that was promised by Citi Executive Response Team. 
I would like to receive my money and close all my accounts.

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 2021-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
The company received my information from another party and is now attempting to collect an alleged debt. I did not give written consent to communicate with me at all nor did I give written consent to furnish anything on my report. No consent is identity theft. I am very upset at the way these companies do business and it is harming my character.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I spoke with the company that was handling the Synchrony Bank Toys R US credit card and agreed on a one time settlement. I received the settlement offer letter on XX/XX/2020. The settlement was for {$360.00}. I paid that agreed settlement on XX/XX/2020. The company has still not updated my credit report that it has been paid. I am still getting calls from other companies that they have sold it to. I have called Synchrony Bank multiple times and they have still not resolved it. I have paid the agreement in full and would like my credit report to be reflected correctly.

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 2021-10-25 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: CLGF Holdco 1, LLC
State: WV

Complaint narrative:
XX/XX/2021 someone from Iowa fraudulently charged by Milestone Gold Mastercard {$270.00} for two pairs of shoes at XXXX. I was completely unaware of the transaction until my bill came in the following month. When I called, the company promptly issued a new card and promised to investigate the matter. 

On XX/XX/XXXX, they determined that I made the purchase even though the buyer used a different email address and misspelled my name and city, but they determined that I made the purchase and sent it to a complete stranger in a state I've never set foot in and had no known friends or relatives. 

I was dumbfounded by the gross incompetence displayed, but the hour-long phone call with their customer service reps didn't produce any results other than skirting responsibility. I reluctantly paid the balance and canceled the new account with them. At this time, I'm reaching out to the CFPB to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XXXX XXXX, I was in an accident with the vehicle in question and it was deemed a total loss by my primary insurance company and I also had a gap policy. Both insurance companies have paid on the claim and the lien company I had cosigned with for the vehicle documented that they would release the title to me once payment was made and I have not gotten the title and they are continuing to bill me for an additional amount that was left over after the payments were made to cover the cash value of the car in full. The problem I am having with the finance company is that they have not released the title and are continuing to bill me for a balance that was discarded between them, myself and the two insurance companies. I do see that this has been a problem with a previous customer

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 2021-10-25 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: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX 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 DDUpon 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2021 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Statebridge Company
State: CA

Complaint narrative:
My property underwent a loan modification in XXXX when the housing market had fallen. At the time of the modification, I had 2 lien holders, which were supposed to be included in the load modification. When the modification was complete, I was contacted by 1 loan servicing company, XXXX XXXX XXXX. I began making payments and missed no payments. 

Eleven years later on XXXX, I received a letter from a servicing company named Statebridge Co. introducing themselves as my mortgage servicing company. On XXXX, Statebrige stated that I owed {$120000.00} and they wanted me to pay it all at once or apply for a loan modification or reinstate the loan. My only servicing company, XXXX XXXX XXXX, had no knowledge of any other outstanding loan nor were they not contacted by Statebridge to cure any loan balance, plus I had never missed any payments with my one and only servicing company. 

I requested to reinstate the loan and applied for a loan modification at least 3 times but were denied all requests by Statebridge. 

On XXXX, Statebridge put my property in default. On XXXX, I filed bankruptcy to avoid foreclosure with XXXX XXXX XXXX but it was dismissed XXXX. My house was wrongfully foreclosed on XXXX during the COVID-19 while the courts were closed by XXXX XXXX XXXX attorney XXXX XXXX for new owner, XXXX XXXX XXXX XXXXXXXX XXXX or XXXX XXXX  XXXX XXXX XXXX who both are NOT registered to do business in California. I wasn't properly served nor had an opportunity to attend an auction to bid on my property. On XXXX, an eviction judgment was granted and on XXXX, I was locked out of my house by the Sheriff.

I am a victim of elder abuse and predatory lending. I am XXXX years old. I had been in my house since XXXX. My loan modification requests were not honored by Statebridge. I wasn't properly served of a foreclosure taking place during the COVID-19 pandemic. My house was wrongfully and fraudulently foreclosed by a business who is NOT registered to do business in the State of California which are XXXX XXXX XXXX XXXX XXXX or XXXX XXXX XXXX, XXXX. XXXXXXXX XXXX XXXX XXXX XXXX or XXXX XXXX XXXX are stealing people 's homes and evading taxes because they're not registered with the CA Secretary of State. Their business address is not valid because a processor attempted to serve court papers, but no office was actually at the location. XXXX XXXX XXXX, owners XXXX and XXXX XXXX are selling houses for XXXX XXXXXXXX XXXX XXXX XXXX or XXXX XXXX XXXX, XXXX  who are not registered to do business in CA. 

All these parties involved needs to be exposed of the fraudulent transactions and put out of business. They need to be stopped in their tracks!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 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: IA

Complaint narrative:
I HAVE SENT TWO DISPUTES TO EQUIFAX WHICH THEY ARE NOT TAKING SERIOUSLY.  THEY AHVE BEEN ADVISED TO REMOVE XXXX XXXXXXXX XXXX XXXX XXXX IL FROM MY CREIDT REPORT, THEY HAVE BEEN TOLD TO REMOVE THE CONSUMER STATEMEWNT "INQUIRES ARE NOT MINE" THEY AHVE BEEN TOLD THAT THE LSITED INQUIRES ARE NOT MINE, THEY ARE FRAUD APPLICATIONS TO DELETE WHICH THEY HAVE FAILED TO INVESTIGATE UNDER THE FCRA REQUIREMENTS  INQURIES NOT MINE: EQUIFAX  MORTGAGE SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation