vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-04 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: NJ

Complaint narrative:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

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 2021-01-04 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: NJ

Complaint narrative:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Bay Equity LLC
State: CA

Complaint narrative:
Bay Equity -refinanced an existing loan previously held for 10 years with XXXX XXXX  XXXX with notissues. New loan executed with Bay Equity -first servicer was Bay Equitty LLC , XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ). Received notification XX/XX/XXXX changing servicer to XXXX XXXX, XXXX XXXX XXXX XXXX XXXX GA XXXX ( XXXX ). 
Another mailing notification went out XX/XX/XXXX that we received the wrong mailing and to disregard and we were staying with the current servicer. Bay Equity LLC. Loan number changed from XXXX to XXXX. 
Received another notification XX/XX/XXXX and then another on XX/XX/XXXX. Each mailing had different instructions on how to make payments. Which I made all three timely. 
Issue I made a payment on XX/XX/XXXX as soon as I had the correct address to send payment to and check cleared, I made another payment XX/XX/XXXX for XXXX payment and check cleared. 
I then made a third payment for XXXX on XXXX XXXX electronically once I finally got access to the account electronically. 
One of my payments was not applied. I would not file this complaint but, I have made so many calls without any response. They do not answer the phone nor call back to the customer service line. I have called numerous times ( XXXX ) and have only made contact once. This is how I finally got the electronic account set up. 
They are showing late payment to my account and check number XXXX cleared my bank on XXXX from my checking account at XXXX XXXX but, not applied to my home loan. I have never had this much difficulty with a company never responding and their website has no other way to contact them but the customer service line they don't answer.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
XXXX XXXX is deceased and I ( XXXX XXXX executor of the estate ) have been trying to do a short sale on the the house since XXXX of 2020. I have XXXX XXXX with the Negotiators of PA working on the file. The bank, Select Portfolio Servicing, has been playing games the whole time. After an original offer of XXXX, We submitted a full price offer ( XXXX which is exactly what the XXXX came in at ) along with all of the supporting documentation. This updated offer and HUD was sent in the beginning of XXXX. The entire process keeps getting delayed because the bank does not give all of the missing items or required changes in one update. They will give one or 2 things which we do and send in, wait another 5 days for an answer then they will have more changes ( that could have all been given at one time ). The other issue is that the don't call or send any updates. you need to call in each time to find out what's going on with the file. this will significantly delay things unless you're calling in every day. The latest ridiculous change they came back with was to add the signers name for the LLC to the hud even though that's not how it will appear in the deed. the third problem with this company is you speak to a different person each time you call in and they don't give you accurate updates because they can't see all of the notes on the file. The way they are treating this file for a dead woman is atrocious. There asking price which matches the XXXX amount. there is no reason to delay this any further. All we are asking for is the approval on this file so I can close out my mothers estate and move on with my life and my grief.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
Refund in the amount of {$1300.00} was received by BB & T on XX/XX/2020, XXXX XXXX however is still not applied to my account.

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 2021-01-04 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: PA

Complaint narrative:
I have Unauthorized accounts & inquiries on my Credit report. According to the Fair Credit Reporting Act, you are required by federal law to verify Any Unauthorized items on my report must be removed if not % 100 accurate & Verifiable. Please Remove this From my report I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 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: PA

Complaint narrative:
I have Unauthorized accounts & inquiries on my Credit report. According to the Fair Credit Reporting Act, you are required by federal law to verify Any Unauthorized items on my report must be removed if not % 100 accurate & Verifiable. Please Remove this From my report I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed.

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 2021-01-04 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: TX

Complaint narrative:
Errors on my report with following : 1 ) XXXX XXXX  2 ) XXXX XXXX / XXXX XXXX 3 ) XXXX XXXX XXXX XXXX XXXX {$170.00} 4 ) XXXX XXXX XXXX XXXX XXXX {$420.00}

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 2021-01-04 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XX/XX/XXXX, Experian, and XX/XX/XXXXhave not been responding to any of my disputes that I have sent over the last several months and that is against the law! I have not been notified or received any correspondence from them and I've been sending letters since XXXX of 2020. They are reporting serious errors on my credit file and they need to provide me with results!

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 2021-01-04 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: NJ

Complaint narrative:
I have reached out to the bureaus on XX/XX/2020 and I haven't received any type of indication/notification of the investigation being worked on. I feel like i'm being taken advantage of at this point. According to the FCRA these inaccurate unverifiable items must be deleted immediately. It's been well over 30 days I just want these problems resolved.

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 2021-01-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC
State: OH

Complaint narrative:
On Friday XX/XX/2020, I transferred {$400.00} USD from my XXXX  's Checking account to Gemini. 

When I went to purchase a digital asset with the funds, an additional {$400.00} was withdrawn from my checking account. I emailed technical support to inform them but left open the possibility that I could have inadvertently been to blame. 

On XX/XX/2020 I went to spend the ( unauthorized ) {$400.00} by purchasing more digital assets. Again, they withdrew {$400.00} from my XXXX 's checking account instead. I emailed tech support again and they claimed there was no issue. 

I have now unlinked my checking account to prevent further unauthorized withdrawals. 

Now, long after my last {$400.00} has cleared their waiting period, I have the USD credited and shown on my account balance. However, when I go to purchase a digital asset, I am prompted to provide a bank account. They have illegally taken {$400.00} from me and technical support is not assisting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 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: FL

Complaint narrative:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

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 2021-01-04 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: FL

Complaint narrative:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 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: OH

Complaint narrative:
There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/XXXX and I never received any reply. I then sent a follow-up dispute on XX/XX/XXXX. It is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

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 2021-01-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
Barclays AAdvantage MasterCard requires customers to provide last 4 digits of social security number to speak to customer service. I asked about using a different 4 digit code, but was refused an alternative. I never authorized Barclays to use my SSN in that fashion and feel this is an identity theft risk. Called to customer service, then was forwarded to security who could not assist. Finally spoke to customer service manager who said there was no other alternatives available. Calls happened on XX/XX/2021.

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 2021-01-04 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: TX

Complaint narrative:
Errors on my report with following : 1 ) XXXX XXXX 2 ) XXXX XXXX  / XXXX XXXX 3 ) XXXX XXXX XXXX XXXX XXXX  {$170.00} 4 ) XXXX XXXX, XXXX XXXX XXXX {$420.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 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: TX

Complaint narrative:
Errors on my report with following : 1 ) XXXX XXXX 2 ) XXXX XXXX / XXXX XXXX 3 ) XXXX XXXX XXXX XXXX XXXX {$170.00} 4 ) XXXX XXXX, XXXX XXXX XXXX {$420.00}

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 2021-01-04 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 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: UT

Complaint narrative:
Transunion, XXXX, and XXXX have not been responding to any of my disputes that I have sent over the last several months and that is against the law! I have not been notified or received any correspondence from them and I've been sending letters since XXXX of 2020. They are reporting serious errors on my credit file and they need to provide me with results!

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 2021-01-04 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: UT

Complaint narrative:
XXXX, XXXX, and Equifax have not been responding to any of my disputes that I have sent over the last several months and that is against the law! I have not been notified or received any correspondence from them and I've been sending letters since XXXX of 2020. They are reporting serious errors on my credit file and they need to provide me with results!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 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 have contacted Experian on multiple occasions beginning in XXXX - XXXX. Experian has failed accurately report information pertaining to an account listed as XXXX XXXX XXXX on my credit report. Experian 's most recent update XXXX XX/XX/XXXX XXXX still contains inaccurate details on my credit report, it shows that the payments were deferred on the account which is not true. It also shows that the account is charged off however ; it does not reflect previous payment history. I have asked Experian to provide details on how they have verified the information reporting on my credit report. They have not responded. I have asked Experian repeatedly to remove inaccurate information from my credit file. Experian has failed to do so.

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 2021-01-04 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: KEYCORP
State: WI

Complaint narrative:
Key Bank will not release my unemployment funds registered to my name and social security number. Key Bank has spent weeks frustrated the issues- Keys management does not follow thru on promised call backs or actions to correct issue. 

The total amount is {$1700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 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: OH

Complaint narrative:
There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/XXXX and I never received any reply. I then sent a follow-up dispute on XX/XX/XXXX. It is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/XXXX and I never received any reply. I then sent a follow-up dispute on XX/XX/XXXX. It is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

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