vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I tried to send them a letter last XXXX asking for a copy of a signed contract bearing my signature, a copy of the payment statements of this account from which COMENITY BANK/XXXX  is reporting to the credit reporting agency. I am asking for proof that I was late on payment because they are reporting erroneous inconsistent account information. Tracking number : XXXX I never received any response from them and they did not update the credit report as disputed. 

COMENITY BANK/XXXX  is violating the FCRA for reporting this account with inconsistent and inaccurate information that I disputed which they then did not update to the credit reporting agencies as " disputed '' and continues to report inconsistent account information which is in direct violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 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: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX IXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... XXXX/XXXX  XXXX ... XXXX  XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 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: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... XXXX/XXXX  XXXX ... XXXX  XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ROBINHOOD MARKETS INC.
State: NY

Complaint narrative:
I am locked out of my Robinhood/XXXX  XXXX  account after not being able to receive a security text message. I followed the instructions I received but have not received any follow-up. Now I have access to the phone number in question again but the security texts are not being delivered, I assume they are going to the landline number I gave them while trying to resolve this. I am trying over and over to get their attention on XXXX and by email to no avail. So now I dont have access to my money and am stressed. I can not give you the account number as I would need to log in to see it. My case number for this is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 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: I.C. System, Inc.
State: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... XXXX/XXXX XXXX ... XXXX  XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: STATE BANK OF INDIA - NEW YORK BRANCH
State: CA

Complaint narrative:
Hello Sir/Madam, I am complaining about the www.SBICAL.COM Bank. It is actually State Bank of INDIA ( California ) with head office at XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, CA XXXX Tel : XXXX. 

I have checking account ending with # XXXX. I have maintained my account from past 5 years. I have checking account and minimum balance is {$250.00} without any fee. I maintained {$250.00} as per requirement So, in XX/XX/XXXX they made my account dormant and applied dormant fee {$2.00} to my account because of no activity on my account from past 2 years. They said that they have sent me a letter in regards of dormant of account which I did not receive it. So, from there on since my minimum balance has fallen down, they have been deducting {$10.00} + {$2.00} every month & up till XX/XX/XXXX, they have deducted {$120.00} so far. 

Since there was no activity on my account, I never bothered to look at my bank statements where it has been constantly deducting {$12.00} every month. At least they should have called me or sent email about my account which they never bothered to do it. 

My question is when they made my account dormant, why r they charging me {$10.00} for minimum balance payment being not maintained? This is very unfair given Covid pandemic, I could not go to bank for more than a year given the health condition and risk factor. 

Bank was un-cooperative when I complained about this unfairness. There have been lot of other banks which gave concession in these Covid situations, but this bank is not helpful to me. They have been simply penalizing me every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: AZ

Complaint narrative:
Due to impacts from COVID19 I took advantage of a forbearance opportunity with my primary home mortgage company : Amerihome. I have been trying to get off of forebearance for a month now, so the mortgage can be refinanced through a different provider. Amerihome has delayed providing me the necessary support to accomplish this ask resulting in multiple follow-up phone calls to them daily and sometimes twice daily. There is no opportunity to address my concerns with a supervisor unless I wait 48 hours. Representatives promise actions and fail to take them. Most recently Ms XXXX ID # XXXX explicitly statued that she would submit a request for a deferral on my unpaid ( forbearance ) balance - I was promised a phone call with confirmation - which was not received. called back today and spoke to another women who confirmed the Deferment as never submitted by Ms. XXXX - thus loosing another 2 days in my attempt to move forward with re-fi. I am at risk now of losing my locked rate because it has been over 10 days and to date I have not been able to obtain a letter from Amerihome that indicates my forbearance is over. If rates go up, this could mean thousands of dollars to me and my family. Please call me to discuss XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: MN

Complaint narrative:
was on a forbearance plan XXXX XXXX, XXXX and XX/XX/XXXX. I called on XX/XX/XXXX to make a payment and was told I qualified for a loan motification. I was offered a medication of 3 % with a payment of {$1600.00} with the first payment due XX/XX/XXXX. 
I received a letter dated XX/XX/XXXX confirming my application was complete and if they needed additional information at a later date they would send a letter or notify me to provide additional information. Otherwise, paperwork would be sent outlines the terms of the modification. 

I never received a letter nor was notified that additional information was needed, I called XXXX to inquire why I had not received the paperwork outlining type terms and was told paperwork would be on the way. .she told me it could take awhile but the forbearance had been closed. I again called on XX/XX/XXXX still not having received the paperwork and was told she did not know why it had not be sent but she would keep on eye on it. I never heard back from her. 
Because I was told my payment would be due on XX/XX/XXXX and I had not heard anything back I called again. I spoke with XXXX who told me she did not see anything in my file but could offer me a new modification agreement at 3.375 %. I did not feel that was fair as I had been quoted a 3 % with a payment of {$1600.00}. 

Since XXXX I have spoken to 20 representatives from US Bank and continue to be told someone is looking into it. I was assigned a relationship manager but have never been able to speak with her personally despite many, many calls. I feel I was misled and US Bank misrepresented information they gave me. I have since received a new modification agreement at 3.375 % which I feel I must accept or I will lose the opportunity to have a loan modification. I have dates and names of all the representatives I have spoke to but no dedicated representative that is following my case even thoughI was told was was assigned. 
I feel USBank is taking advantage of its customers and provided the worst customer service I have ever experienced with a mortgage company.

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 2021-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Several credit cards have me marked as late. All lates were during the current XXXX XXXX health crisis and should not have been shown as late on my reports. In fact, the lates should actually never have been marked as such. The XXXX cards reporting as late were XXXX XXXX XXXX XXXX, XXXX XXXX/XXXX XXXX and XXXX XXXX. Again, these lates should never be reported on my credit reports and now my credit score has been negatively impacted.

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 2021-04-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... KOHLS/CAPONE XXXX ... CAPITAL ONE XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
These law firm send me a superior court of nj XXXX county special civil letter in the mail.. saying that I owe XXXX XXXX XXXX XXXX {$5000.00} dollars..and that's not true. They said they were going to garnish my check. This is not right.i call them and I spoke to a woman name XXXX. And she said if it wasn't you go get a police report.and that's what I did..I call XXXX XXXX XXXX XXXX they are sending me a fraud in the mail .. and public service told me I don't own no XXXX like I said I don't own no XXXX -XXXX  to XXXX XXXX XXXX XXXX ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
date XX/XX/14 looking at my credit report you are reporting inaccurate information from XXXX. 1st you are listing this account as a CHARGE OFF not a repossession which is a violation. 2nd the high balance isnt the same balance. Experian/XXXX  is reporting {$27000.00} and XXXX  is reporting XXXX if you all are getting the information from the same collector why are the numbers different? 
this needs to be deleted off all 3 of my credit reports immediately. Also after numerous times of asking a representative they could never VALIDATE this inaccurate debt. 

plz see attachment below

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 2021-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: KY

Complaint narrative:
I recieved A collection notice from company called I.C. system on XX/XX/XXXX about a XXXX  past due account This is the 4th collection agency that has contacted me since XXXX. XXXX XXXX  complaint # XXXX XX/XX/XXXX and also XXXX XXXX XXXX complaint # XXXX and also # XXXX XXXX XXXX  XXXX/XXXX XXXX refused in the past and still refuses to respond or return calls on this matter I keep having to dispute. Short story was disconnected XX/XX/XXXX still billed me in error even though I had called and turned in equipment will not credit me the balance Recieved new service XX/XX/XXXX paid past due balance the told me I had to pay to get new service came back about a month later saying I owed them more I still have XXXX  at present time same address

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
date XX/XX/14 looking at my credit report you are reporting inaccurate information from XXXX. 1st you are listing this account as a CHARGE OFF not a repossession which is a violation. 2nd the high balance isnt the same balance. XXXX/XXXX  is reporting {$21000.00} and Equifax is reporting {$4600.00}. if you all are getting the information from the same collector why are the numbers different? 
this needs to be deleted off all 3 of my credit reports immediately. Also after numerous times of asking a representative they could never VALIDATE this inaccurate debt. 

plz see attachment below

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I received a check for the surplus funds from the sale of my late father 's house. The check was " Pay To The Order Of XXXX XXXX, affiant for the estate of XXXX XXXX XXXX ''. I was advised by my lawyer to deposit my check at a bank that I already bank with so I took it to my local Chase branch. I was able to open an estate account and deposit the check, a few days later the check cleared and showed up whenever I logged in to online banking. One day I received a letter from Chase and was told that my account would be closed. I called the banker who helped me open my estate account and was told that the back office for Chase said they needed my court paperwork resent to them, all the forms were immediately resent. A few days later I received a cashiers ' check from Chase and a letter that said that my account eas closed. This new check no longer has my name on it, the check now reads : " Pay To The Order Of Estate of XXXX XXXX XXXX ''. Since my new check doesn't have my name on it, I can not deposit it anywhere and just as Chase has said when I asked why my account is closed, I need a letter of authority or a letter of testimentary in order to open an account. The state of Missouri where my father passed away does not issue the court paperwork that every bank is asking for. I contacted banks in Missouri and I am able to deposit my new check there using the court paperwork I have but even those banks can not deposit the check unless my name is on it. I have called customer service several times and explained what was going on. They told me that any physical branch would be able to add my name back on my cashiers ' check but whenever I go into a branch I'm told that this isn't possible. I have visited 5 different branches in the surrounding cities where I live and I have been to an additional 4 banks to ask if anything could be done with my cashiers ' check, many banks said that if only my check was addressed similar to the original one they could deposit it in their banks but all Chase branches are asking for court issued paperwork I am not eligible for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 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: Remex, Inc.
State: NJ

Complaint narrative:
It has been over a year since I've tried to reach out to these companies about validating the information reporting on my credit report. Can you please help me resolve this issue. It has been interrupting my life and holding me back. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 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: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
It has been over a year since I've tried to reach out to these companies about validating the information reporting on my credit report. Can you please help me resolve this issue. It has been interrupting my life and holding me back. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
date XX/XX/14 looking at my credit report you are reporting inaccurate information from XXXX. 1st you are listing this account as a CHARGE OFF not a repossession which is a violation. 2nd the high balance isnt the same balance. XXXX/transunion is reporting {$21000.00} and XXXX  is reporting {$4600.00}. if you all are getting the information from the same collector why are the numbers different? 
this needs to be deleted off all 3 of my credit reports immediately. Also after numerous times of asking a representative they could never VALIDATE this inaccurate debt. 

plz see attachment below

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 2021-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
date XX/XX/14 looking at my credit report you are reporting inaccurate information from XXXX. 1st you are listing this account as a CHARGE OFF not a repossession which is a violation. 2nd the high balance isnt the same balance. Experian/XXXX  is reporting {$21000.00} and XXXX  is reporting {$4600.00}. if you all are getting the information from the same collector why are the numbers different? 
this needs to be deleted off all 3 of my credit reports immediately. Also after numerous times of asking a representative they could never VALIDATE this inaccurate debt. 

plz see attachment below

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 2021-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: ME

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX " Thank you

Company response to consumer: Closed with explanation