vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-07 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: TN

Complaint narrative:
The credit bureaus deleted XXXX XXXX XXXX XXXX Account then allowed the to but a charge off back on my account that was XXXX   balanced that should have never been there the first place. 

XXXX XXXX has not reported a XXXX balance account with XXXX XXXX and XXXX   will not delete the account. The account has not been updated in 5 years and should not have been on there in the first place. 
In addition, I have disputed inquiries by mail with XXXX and they have not updated in 60 days. XXXX  in particular is not following the law in regards to XXXX XXXX who can not verify a bankruptcy for me in the XXXX District of Kentucky and continues to ruin my credit.

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 2020-08-07 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: TN

Complaint narrative:
The credit bureaus deleted XXXX XXXX XXXX XXXX Account then allowed the to but a charge off back on my account that was XXXX   balanced that should have never been there the first place. 

XXXX XXXX has not reported a XXXX balance account with XXXX XXXX and XXXX   will not delete the account. The account has not been updated in 5 years and should not have been on there in the first place. 
In addition, I have disputed inquiries by mail with XXXX and they have not updated in 60 days. XXXX  in particular is not following the law in regards to XXXX XXXX who can not verify a bankruptcy for me in the XXXX District of Kentucky and continues to ruin my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
The basis of my dispute is that my dad file for BK but because we share the same name and the SSN # is off by 1 digit, my credit was mixed and credit were notified that I file for BK. Once that occurred ; the company would no longer communicate with me or accept payments which caused the delinquencies of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 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: GA

Complaint narrative:
I did not give written permission to have my credit check XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 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: MO

Complaint narrative:
On XX/XX/2020 I filed a dispute with XXXX & EQUIFAX regarding a collection account listed as XXXX XXXX. The account was sold to another company called XXXX XXXX XXXX  XXXX. This account was paid in full - as noted by the letter I received from XXXX XXXX, and should NOT be still listed as a collection account. 

XXXX sent me the results of their investigation dated XX/XX/XXXX, XXXX in which they indicated that the account was removed from my credit file. As of XX/XX/2020 the account is STILL showing up as a collection account. This is a violation of the Fair Credit Reporting Act and should not be tolerated by this credit reporting agency. 

XXXX  needs to honor their statement in the investigation results they sent me and REMOVE this account from collections IMMEDIATELY!! 

I've spoken to several people by phone who only files more disputes, which is totally and absolutely incompetent and wrong!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: V.I.P. MORTGAGE, INC.
State: AZ

Complaint narrative:
On XX/XX/2020 I was contacted by XXXX XXXX and was told I should consider refinancing my condominium in XXXX, AZ. XXXX is : Loan Officer V.I.P. Mortgage, Inc. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX XXXX XXXX XXXX Some three years earlier, I had used XXXX to originally finance my newly purchased unit and she was now offering refinance terms. 

Over the course of a few weeks, I received requests from XXXX and her staff for documents and to sign online documents. On XX/XX/XXXX I met with a notary provided by VIP and signed numerous documents required by various concerned interests. At each point of contact, I immediately responded with the requested documents or signatures and I was congratulated by XXXX for my promptness. On XX/XX/XXXX, I received an email from XXXX stating that my mortgage was approved and funded. I expected to be contacted shortly thereafter with account and payment information. 

Over the following weeks up to today, I have repeatedly contacted XXXX and her staff asking for accounting information and instruction. Each time XXXX would say that her job as loan officer did not include follow up or loan processing. She would say that she would inquire on my behalf, but never gave me a person to contact. 

On XX/XX/XXXX, I received the attached letter ( XXXX - XXXX Notice of Transf ). The contents and instructions were not clear to me. In response to my emailed concerns, XXXX had a colleague, XXXX, call me and she told me to send {$1100.00} to VIP Mortgage c/o XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX. She said further instructions would be coming soon. A check for {$1100.00} was mailed on XX/XX/XXXX. 

On XX/XX/XXXX, I was phoned by XXXX. I told her I was disappointed in her and her companys poor service. I asked if I was being impatient by asking for where my mortgage account was being held and being contacted with payment instructions. XXXX assumed me that waiting over a month from funding was too long and that she would contact the necessary people to get me the details I deserve. 

On XX/XX/XXXX, I was contacted by a XXXX from XXXX XXXX. She said that VIP sent the loan documents on XX/XX/XXXX and that XXXX XXXX had mailed me account/payment instructions on XX/XX/XXXX. I have not received that letter as of XX/XX/XXXX. 

On XX/XX/XXXX, I was contacted by a XXXX from XXXX XXXX. He stated the conversation by telling me that my payment was due on XX/XX/XXXX and they had not received it. He went on to say that I had a 15 day grace period before late charges apply. I asked him to have a manager contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 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:
XXXX XXXX XXXX XXXX STARTED REPORTING A {$710.00} COLLECTION AMOUNT THAT IS NOT OWED TO THEM. I BOUGHT A CAR THROUGH THEM AND COMPLETELY PAID THE LOAN IN FULL AND THEY HAVE NEVER SENT ME A NOTICE ABOUT OWING {$710.00} DOLLARS AND I WOULD LIKE TO HAVE THE ACCOUNT REMOVED FOR INACCURATE INFORMATION Installment Installment Account Number : XXXX Payment Responsibility : Individual Individual Date Opened : XX/XX/XXXX XX/XX/XXXX Balance Date : XX/XX/XXXX XX/XX/XXXX Balance Amount : {$710.00} $ XXXX   Monthly Payment : Collection Collection Past Due Amount : {$710.00} {$710.00} Comments : LAST REPORTED DELINQUENCIES : XX/XX/XXXX=I5,XX/XX/XXXX=I4,XX/XX/XXXX=I4 CHARGED OFF ACCOUNT AUTO ACCOUNT CHARGED TO PROFIT AND LOSS

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 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:
My identity has been compromised. I found out because credit karma sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX   XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: UT

Complaint narrative:
During the week of XXXX I attempted to add my wife as a joint tenant owner of my already-existing HSBC checking account XXXX. Did this while calling XXXX. The phone agent asked for my wife 's social security number and phone number. The phone agent tried to send my wife a code to her phone, but that process failed for unknown reasons. One agent said that my wife would need I needed to speak with credit reporting agency XXXX. A supervisor man who I spoke with on XXXX as called from XXXX said that there was No remote route to having a joint tenant added if their phone & social security number entry process failed. But no agent can tell us why the process is failing. A person can go into a branch, but there's no HSBC branches near me and my wife. 

HSBC utterly and absolutely refuses, to add my wife as a joint tenant owner of my checking account XXXX. 

HSBC refuses to accept mailed-in identification verification of my wife. A phone agent supervisor told me today that mailed in info on this front, will not sufficient and will be rejected. 

HSBC can not tell my family why my wife 's phone number can not be transmitted to verification-wise. 

HSBC is a highly unfriendly, and hostile bank. Hostile to married couples. Hostile to families. Hostile, in general. And unhelpful. And rude. Iron fisted, and a brick wall.

Attached is a letter I have mailed to the CEO of HSBC North America. However I doubt this letter shall have any effect, but a phone supervisor already told me that mailed in info on these fronts will go nowhere and have no effect. 

HSBC refuses to add wives as joint tenants to checking accounts. 

When the adding process doesn't work, they have no workarounds, or even explanations as to why things don't work. They offer nothing but obfuscation and a brick wall.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 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: FL

Complaint narrative:
FOR THREE YEARS I HAVE BEEN DEALING WITH XXXX XXXX XXXX ABOUT A CARD THAT WAS OPENED FRAUDULENTLY OR IDENTITY TFoTHREE YEARS I HAVE CONTACTED THEM AND ASKED FOR PROOF THAT I OPENED THE CARD AS IT WAS NOT ME. THEY CONTINUE TO REPORT IT TO THE CREDIT BUREAU. THEY HAVENT SENT ME SIGNED CONTRACTS TO PROVE IT WAS MINE AND IRONICALLY THEY KEEP EMAILING ME OFFERS TO HAVE A CARD WITH THEM. THEY ARE RUINING MY CREDIT THAT I HAVE WORKED VERY HARD ON. EVERY TIME I CALL, WRITE OR DISPUTE WITH THE CREDIT BUREAUS THEY JUST LEAVE THE SAME THING BUT NO ONE HAS SHOWN ME ANY PROOF I HAVE ASKED FOR account NameXXXX XXXX XXXX Account NumberXXXXXXXXXXXXXX Account TypeCredit card ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusAccount charged off. {$11000.00} written off. {$11000.00} past due as of XX/XX/XXXX. Status UpdatedXX/XX/XXXXE.

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 2020-08-07 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: DISCOVER BANK
State: FL

Complaint narrative:
The basis of my dispute is that my dad file for BK but because we share the same name and the SSN # is off by 1 digit, my credit was mixed and credit were notified that I file for BK. Once that occurred ; the company would no longer communicate with me or accept payments which caused the delinquencies of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 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:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
On XX/XX/XXXX attempted to lift my credit freeze. Equifax website locks me out. Calling customer service ( automated ) does not resolve issue. 

On XX/XX/XXXX After attempting to lift freeze, I was ASSURED problem was resolved and would not have issues again in the future. I was on phone for TWO hours at that time, attempting to lift freeze. 

On or about XX/XX/XXXX After attempting to lift freeze, I was ASSURED problem was resolved and would not have issues again in the future. I was on phone for FOUR hours over course of 3 days hours at that time, attempting to lift freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
I have an account with Wells Fargo Auto. Wells Fargo Auto merged with Wells Fargo and have made all consumers to login or re-enroll with Wells Fargo. 

WellsFargo.com will not take my information as an existing or new user. After several hours on the phone and being transferred to 4 separate representatives, I was advised that the system did not and would not recognize me because there are two profiles. I had a personal banking account over 10 years ago under my maiden name. Because of that WellsFargo is not a allowing me to log in using my current login info and they are not able to merge my account unless I personally go into a branch by appointment or mail them documents ( proof of marriage, name change, etc ).

I do not want a personal bank account ( just auto loan ) with WellsFargo and nor do I want to provide the bank with documents they should not need. I was fine logging into my auto loan account and making payments until this merge. I should not be forced to go into a branch by appointment during the pandemic to provide them with documents of my name change or mail them the documents.

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 2020-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I requested a payoff of my husband 's ( XXXX XXXX ) vehicle from Citibank Credit card company to XXXX on XX/XX/2020 in the amount of XXXX. I check from CitiBank was mailed to XXXX on XX/XX/2020. The transaction cleared my account on XX/XX/2020. On XX/XX/2020 I received a call from XXXX that the check had not cleared and that it returned. I was then asked to pay the total balance of {$7100.00} in which I refused due to me actively making payments on that same amount with my Credit card company. With XXXX on the line, I called Citibank rep who stated check had been cleared and cashed already, XXXX rep stated the check returned and a new one would need to be submitted. Citibank did not agree so they did not resend payment, but they did mail me a copy of the check that was sent out to XXXX. XXXX also mailed me a copy of the returned check letter that they received from XXXX XXXX XXXX. When speaking with both companies as well as XXXX XXXX XXXX, no one can seem to account for the missing funds. In the meantime I have been responsible for paying both Citibank credit card AND XXXX, in which I can not afford to do. It has been 3 months now and no one can tell me where the money has gone. I have been battling with both companies to help me resolve this issue and it has yet to have a proper resolution. There is no way neither Citibank, XXXX, nor XXXX XXXX XXXX  can tell me where the money is. I need to fix this asap as this will start to affect my husband and I credit reports, because if I don't pay Citibank they will report and If I don't pay XXXX they also will report. I am literally stuck between to companies who should be able to easily remedy this but has not.

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 2020-08-07 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
The basis of my dispute is that my dad file for BK but because we share the same name and the SSN # is off by 1 digit, my credit was mixed and credit were notified that I file for BK. Once that occurred ; the company would no longer communicate with me or accept payments which caused the delinquencies of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Block, Inc.
State: OH

Complaint narrative:
Cash app locked my account and told me I had to open a real bank account and link my debit card. XXXX at XXXX XXXX OH told me that it can be done for sure so I opened the account at XXXX!!! And tried to connect my Debit card to cash app and its saying XXXX has changed this feat and I need my funds to be transferred from cash App to XXXX PLEASE FIX THIS XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX ; XXXX  and Transunion should not be reporting that I am ( 120-180 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report as well as a copy of my Drivers License and SSN card for identification purposes to proceed with the investigation of my complaint. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this 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 2020-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX ; Experian and XXXX should not be reporting that I am ( 120-180 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report as well as a copy of my Drivers License and SSN card for identification purposes to proceed with the investigation of my complaint. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this 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