vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-03 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
i sent transunion consumer solutions 29 pages explaining how XXXX XXXX XXXX XXXX refuse to remove the negative information/ inaccurate information i have been told week after week that they did not receive my information i paid for the letter to be sent and signed for on XX/XX/2021 but they continue to tell me that they have not recieved my information .i am sending u the information that i paid to have sent and to be signed for and the information from the postal service where i paid and the person that signed for my letter was the person that picks up transunion mail XXXX was also told by transunion that they dont care how much information i send that if XXXX XXXX XXXX XXXX dont remove the inaccurate information that they will not remove it so i am asking that cfpb please reopen my case aganist transunion and XXXX XXXX XXXX XXXX because both companies are lying and i have proof

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 2021-05-03 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: NJ

Complaint narrative:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 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: Block, Inc.
State: CA

Complaint narrative:
I can not login to my Cash App account to withdraw funds or access any documents. There is approximately {$700.00} in the account, and I was also informed that I have a Tax Document waiting for me ( " paperless delivery '' ). 

When I try to login, I get an error that I've " changed my $ Cashtag too many times '' and am told to " Contact Support ''. I first contacted support at least two months ago to try to resolve this issue XXXX received first response XX/XX/XXXX ). I keep getting generic, canned responses which do not resolve the issue. I have been contacted by at least six ( 6 ) different support representatives. One will contact me requesting information, I will provide that information, then wait a day or two, and a new representative will reach out and ask for the same information. Repeat. I've also tried telephone support, but they were unable to provide any help. 
They are holding my funds without reasonable access, and, more urgently, I am in need of my tax document so I can prepare my XXXX Tax Returns.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I received a XXXX loan went to make withdrawal and the bank froze my account ask for some documentation which I turned in and I still say they're investigating my my account I asked him to reverse the funds and they told me they couldn't do that until the investigation was over but I don't understand what are they investigating this was a government-funded loan that was approved for me for my business

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 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: MD

Complaint narrative:
I have been disputing two bankruptcies on my credit reports I reached out to the court and was told they haven't talked to any bureau and they sent me a letter saying so I've been trying for over a year to get them off and its causing me terrible hardship I reached out to the bureaus data provider XXXX because XXXX  told me to do so and they deleted one of them but the bureaus won't even after XXXX sent them letters but XXXX and the bureaus still need to delete the other one and they won't send me the information where they're saying they are verifying it from

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 2021-05-03 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: GA

Complaint narrative:
I sent in letter to dispute the following items to all 3 credit bureaus & have not received a response in the 30 day period. I sent my letter in XX/XX/XXXX it is now XX/XX/XXXX. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized FIRST XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I sent in letter to dispute the following items to all 3 credit bureaus & have not received a response in the 30 day period. I sent my letter in XX/XX/XXXX it is now XX/XX/XXXX. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I woke up on XX/XX/XXXX to two new inquiries on my XXXXExperian credit report, neither of which were initiated by me. One was from " XXXX '' and the other was from " XXXX '' on my XXXX XXXX credit monitoring ( interestingly, the second one showed up as XXXX XXXX XXXXXXXX '' on my XXXX  credit monitoring. ) I received a phone call from XXXX XXXX XXXX XXXX later that morning with a voicemail claiming to be XXXX XXXX checking in to verify the application, and asking me to call them back at that number. I called XXXX XXXX 's fraud number from their website instead, and learned that I did not have an open credit application with XXXX XXXX. Based on the link below, it seems like this may be a common scam to try to get me to reveal personal information on a phone call. 

https : XXXX I now have two hard inquiries on my account that are not valid, and it's been difficult to get them removed. I need a letter from the FTC noting that I did not initiate the hard inquiries, which I then need to mail or rail to the credit bureaus.

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 2021-05-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
On XX/XX/21, I contacted Customer Service for assistance since I was unable to pay my XXXX mortgage online. Based on at least two different explanations from representatives, and no response from the analyst handling my account XXXX XXXX XXXX XXXX, I was finally able to reach a manager ( XXXX ) to assist me. However, she hasn't been able to assist me further since she's gotten no response/follow-up from XXXX XXXX since XX/XX/21. I was informed by her the reason my account is locked because the partial payment documentation from HUD I signed sometime in XXXX last year didn't have a notary seal @! @! 

Once again, this is totally unacceptable for a customer to experience a lack of follow-up on a resolution that appears to be relatively easy to resolve. I hope that you're able to assist me in finding out what needs to be done and completed so that I can once again access my online account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: SC

Complaint narrative:
This is my second time to report all three credit bureau 's .I have disputed these items over many times already and they still remain. so I'm reaching out because I tried formally disputing inaccurate and incorrect information that was reporting on my personal credit file. I feel like I'm being taken advantage of and being ignored of my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: SC

Complaint narrative:
Hello, please be advised this is my second time disputing this inaccurate information taking up my time to do so with no accurate resolution. None of the accounts disputed had accurate information and was not reporting correctly. This has ruined my life and affected my chances of getting a mortgage so i can move my parents to a better and safe home and it is important mostly of this pandemic. i don't want them to catch the virus so please hear me out. A few days passed and I still did not hear anything back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
XX/XX/XXXX I opened a checking and savings account and deposited {$50000.00} into savings in order to get the bonus described below : Citi XXXX Account Package https : XXXX? XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX From a 3rd party source ( different promotion period ) : {$700.00} bonus Open new eligible checking and savings accounts in the Citi XXXX Account Package during the offer period XX/XX/XXXX to XX/XX/XXXX. 
Within 30 days of opening your account, deposit {$50000.00} in XXXX-Citibank funds between the new checking and savings accounts. 
Maintain a minimum balance of {$50000.00} between the checking and savings accounts for 60 consecutive calendar days. 

XX/XX/XXXX I called and talked to a rep XXXX and transferred {$10.00} as I received an email stating that the checking acct would be closed. 

He told me that the bonus would be posted no later than XX/XX/XXXX, as he explained 60 days after account opening,. ( 60 days + 90 days to maintain the fund in the accounts XXXX XX/XX/XXXX I called and talked to a rep XXXX, then XXXX as the bonus was not yet posted. XXXX said that he would escalate my inquiry and check back within a week or so. 

XX/XX/XXXX I called and talked to a rep XXXX, who apologetically told me that the case had not been resolved yet and asked me to wait a couple more days. 

XX/XX/XXXX I contacted through chat and talked to a rep XXXX XXXX copy attached XXXX. He told me that it had been resolved and a snail letter was sent out. 
I asked why the bonus was not posted, he told me that he could not check the result and I would need to wait for the letter. Or, I could call again. 

XX/XX/XXXX Called again and talked to a rep, explained the whole thing, and clearly stated as follows : > why such a long wait? 
> searched for Citi XXXX XXXX XXXX on the web and found many cases XXXX XXXX XXXX XXXX  XXXX > unless it is solved right away, will file a complaint to the Consumer Financial Protection Bureau While I was on hold, somehow I was cut off. So, I am filing this complaint After this many phone calls, no bonus. I would find out what kind of craziest reason they say I was disqualified for the promotion although all the reps looked into my account activities and kept telling me to wait for the bonus to eventually show up. I believe that they do this, hoping customers get frustrated and give up.

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 2021-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP
State: CA

Complaint narrative:
To Whom it May Concern : My son found an old gift card ( MasterCard ) with an expiration date of XX/XX/XXXX. I have been unable to get any information on the card. The customer service No. is ( XXXX ) XXXX and the site is : XXXX I was unable to get a hold of anyone. The system does not recognize my card and it places you in a loop to report it " lost or stolen '' or alternatively enter the account number again. 

I can't tell if the card has been used. I can't get a transaction history. From what I understand from my son, he cleaned his room and found the card. I don't believe that he ever used it, but I can not verify. 

I know that in California, Cal. Civil Code 1749.5 Expiration date is prohibited.

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 2021-05-03 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 just recently submitted a complaint by the CFPB to Transunion on an account by XXXX XXXX Transunion was beyond the 30 day limit for validation of this account under the Fair Credit Reporting Act and have decided to open a new Investigation beyond the allotted time to verify this account, I have sent them numerous documents in the past including a XXXX Police Report for Identity theft and FTC Identity Theft Report but TRANSUNION just keeps verifying this account despite all STATE AND FEDERL LAWS, they have elected to ignore all FDCPA and FCRA laws and have not shown any methods used to verify this account including to whom they spoke with, time an Dates, and what documents used to substantiate they're claim. I am uploading the previously sent documents to Transunion as it pertains to this old matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 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: IN

Complaint narrative:
In XXXX I went through a mortgage modification. The modification was a FHA-HAMP modification agreement. Under this agreement, HAMP states that lenders are supposed to report all payments as on time and paid in full. XXXX XXXX  honored that until XX/XX/XXXX. 
I fulfilled all requirements satisfactorily. My trial agreement was from XX/XX/XXXX until XX/XX/XXXX and no payment in XX/XX/XXXX. XX/XX/XXXX the modification would be effective. 
In XX/XX/XXXX I reached out to XXXX XXXX about this issue. I received a call from the underwriter that there is an error and it would be corrected. A week later I received a letter in the mail stating that their reporting is accurate and they will not update my payments to on time and paid in full, including some new payments made on time after my modification was effective. They have breached the HAMP modification reporting and also have breached the notarized contract that was signed. Currently they are reporting to Transunion and XXXX 12 missed or late payments.

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 2021-05-03 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: IN

Complaint narrative:
In XXXX I went through a mortgage modification. The modification was a FHA-HAMP modification agreement. Under this agreement, HAMP states that lenders are supposed to report all payments as on time and paid in full. XXXX XXXX honored that until XX/XX/XXXX. 
I fulfilled all requirements satisfactorily. My trial agreement was from XX/XX/XXXX until XX/XX/XXXX and no payment in XX/XX/XXXX. XX/XX/XXXX the modification would be effective. 
In XX/XX/XXXX I reached out to XXXX XXXX about this issue. I received a call from the underwriter that there is an error and it would be corrected. A week later I received a letter in the mail stating that their reporting is accurate and they will not update my payments to on time and paid in full, including some new payments made on time after my modification was effective. They have breached the HAMP modification reporting and also have breached the notarized contract that was signed. Currently they are reporting to XXXX and Experian 12 missed or late payments.

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 2021-05-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
Roughly about two weeks ago, I received a call from a representative, from Freedom Mortgage, to set up my closing date. The representative provided the closing numbers, Rate : 2.25 %, Loan Amount : {$440000.00}, Monthly Payment : {$2700.00}, and next payment date of XX/XX/2021. The closing date was scheduled for XX/XX/2021, at XXXX XXXX 

I called Freedom Mortgage on XX/XX/2021, to obtain a copy of the closing statement in preparation of the closing date on the XXXX. The representative XXXX XXXX XXXX emailed me a copy of the closing statement. The closing statement had different numbers than what was presented to me by the representative scheduling my closing date. The Loan Amount had changed to from {$440000.00} to {$450000.00} and the Monthly Payment from {$2700.00} to {$2700.00}. I asked XXXX to look into the issue ; she said she would escalate the problem up her chain-of-command. 

After carefully reviewing the documents, it is clear that Freedom Mortgage is not deducting the previous escrow balance of {$5300.00}, from the Loan Amount or the Pay-off balance. Freedom Mortgage is currently servicing the original loan/mortgage and they hold the escrow balance of {$5300.00}, which is not credited in the closing statement attached. With the escrow balance credited XXXX {$5300.00} XXXX, than the total loan amount is about $ XXXX, as presented by the representative scheduling the closing date. The closing date is tomorrow. I've emailed XXXX and XXXX a couple of times with not resolution. As a matter of fact, XXXX send me the same closing statement earlier today with no changes.

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 2021-05-03 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: AK

Complaint narrative:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 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: MD

Complaint narrative:
I have been disputing two bankruptcies on my credit reports I reached out to the court and was told they haven't talked to any bureau and they sent me a letter saying so I've been trying for over a year to get them off and its causing me terrible hardship I reached out to the XXXX XXXX provider XXXX because XXXX  told me to do so and they deleted XXXX XXXX them but the bureaus won't even after XXXX sent them letters but XXXX and the bureaus still need to delete the other one and they won't send me the information where they're saying they are verifying it from

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