vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-02 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: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
Dear Sir / Madam, This Is For Your Kind Notice I Applied On XX/XX/XXXX XXXX Credit Card And Got Turn Down By One Of The Main Reasions That CITIZENS BANK AUTO LOAN Notified All Credit Agencies That I Am Participating In a Payment Relief or Deferral Program, Recieving Modified Terms, or Credit Counseling Service, On One or More Of My Account or Loan. 

When I File a Dispute As I Never Called or Requested Any such Type Of Relief Program Then XXXX New Accounts Review Department Came Of The Exect Words That CITIZENS BANK Notified On XX/XX/XXXX To XXXX Trade Line 5 That I Am Effected By Natural or Declair Digaster For Flood Related Relief Program Which Is Totally Unecceptable As I Bought A XXXX XXXX XXXX Through CITIZENS BANK AUTO LOAN And I Pay There Installement Always On Time or Before Time And I Dont Have Any Issue With Any Of The Creditors To Pay My Installement or Loan. 

I Always Paying My Credit Card Bills And Auto Loan On Time or Before Time.

Then I Contacted CITIZENS BANK AUTO LOAN Supervisor / Manager On XXXX XXXX, XXXX. To Look Into This Matter Which Is Effecting My Credintials With Creditors And My Personal And My Family Life Because Of There Negligance. Then Sai We Informed We Open The Case ( XXXX ) Reference ( XXXX ) For You And Forward It To Office Of The Chairman So You Will Get A Call From Them In 24-48 Hours But No Body Called the I Contacted Them Again And Again As No Body From Office Of theChairman Offcice Called Till Now I am Writing This Complaint Of Fraud On My Credit Report. XXXX EST On XX/XX/XXXX. 

So Please Look Into This Matter Which Is Effecting My Credintials To Creditors, My Personal And Family Life. 

Thanking You, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. 
XXXX, NY XXXX. 
XXXX : XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Statebridge Company
State: NJ

Complaint narrative:
We have been trying to get a modification from Statebridge Mortgage and they have been jerking us around. We have applied several times. The last time we applied, they denied us, with a reason that they required {$27000.00} for a modification. PLEASE NOTE, NO ONE TOLD US THAT {$27000.00} WAS REQUIRED, THE ONLY TIME WE KNEW THAT WAS IN THE DENIAL LETTER. HOW CAN THEY DENY FOR SOMETHING THEY NEVER ACTUALLY REQUESTED FROM US? 
Anyway, a sheriff sake date was set for XX/XX/XXXX, and we applied for an extension and was given adjournment till XX/XX/XXXX being the new sale date. We then sent in another modification request and they have totally ignored us. There is not even a response to the application we sent in, and when we call, the customer service person does not have any information, and the representative assigned to our file XXXX XXXX, has NEVER HAD A CONVERSATION WITH US, NEVER RESPONDED TO AN EMAIL, AND NEVER AVAILABLE TO TALK. We were told that she tried calling ONE TIME a few weeks ago, but didnt try to at least respond to any emails weve sent. 
STATEBRIDGE WANTS TO TAKE OUR HOUSE JUST BECAUSE WE OWE UNDER {$100000.00}, AND THE HOUSE IS WORTH OVER {>= $1,000,000}! THEY ARE TRYING TO HAVE US LOSE THE THOUSANDS WE HAVE WORKED HARD OVER THE MANY YEARS AND PAID ON OUR INVESTMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 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: TX

Complaint narrative:
I contacted Trans Union XX/XX/XXXX about disputing an amount on a debit that was incorrect. They said they verified it and I replied XX/XX/XXXX to dispute that again. And responded yet again XX/XX/XXXX when they reverified again. I still have it on my credit and was refused credit because of it

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 2021-11-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GreenSky, LLC
State: TX

Complaint narrative:
Green Sky XXXX  XXXX  XXXX  and XXXX  XXXX  XXXX, XXXX XXXX fraudulently opened a loan for {$7200.00} in my name. Green Sky XXXX XXXX XXXX  is colluding with XXXX  XXXX  XXXX, XXXX XXXX. XXXX XXXX promised to build a glass patio enclosure, in a contract executed XXXX XX/XX/2021. We thought XXXX XXXX would finance the project and we would repay XXXX XXXX within two years of finishing the project. XXXX XXXX accepted a personal check of {$15000.00} as down payment to begin work. On XXXX XXXX, 2021, XXXX XXXX contacted Green Sky and demanded {$7200.00} as *additional down payment*. We protested. We never authorized Green Sky or XXXX XXXX to charge {$7200.00} against a loan. XXXX XXXX never did any work- no demolition, no materials ordered, no construction, nothing. I say this again : XXXX  XXXX  DID NO WORK. XXXX XXXX stole {$15000.00}. GREEN SKY continues to add interest and late fees to the original *loan* for a non-existent glass patio enclosure, and sends monthly statements and threatening letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 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: FL

Complaint narrative:
I have reached out to transunion, XXXX, and XXXX 5 or 6 times questioning the reporting of this unknown account XXXX ( Original Creditor : XXXX  XXXX  XXXX XXXX ) each time it comes back verified ... I have no idea what this account is ... .i am writing this complaint not only because i have no idea what this is but they are reporting the account on my report twice... they are double dipping which is a violation of my consumer rights...... the bureaus should be held accountable for the pencil whipping they do... I need these accounts removed from my reports immediately ... i have included and attachment

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 2021-11-02 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am XXXX XXXX XXXX I am submitting this complaint myself and there is no third party involve.My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX  XXXX XXXX. XXXX Date Opened : XX/XX/XXXX {$5.00} XXXX/XXXX  XXXX Date Opened : XX/XX/XXXX {$0.00} XXXX  XXXX XXXX Date Opened : XX/XX/XXXX {$490.00} XXXX  XXXX XXXX Date Opened : XX/XX/XXXX {$160.00} XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX {$0.00} XXXX  XXXX Date Opened : XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX {$410.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have reached out to XXXX, XXXX, and equifax 5 or 6 times questioning the reporting of this unknown account XXXX ( Original Creditor : XXXX  XXXX  XXXX XXXX ) each time it comes back verified ... I have no idea what this account is ... .i am writing this complaint not only because i have no idea what this is but they are reporting the account on my report twice... they are double dipping which is a violation of my consumer rights...... the bureaus should be held accountable for the pencil whipping they do... I need these accounts removed from my reports immediately ... i have included and attachment

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 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: FL

Complaint narrative:
I have reached out to XXXX, experian, and XXXX 5 or 6 times questioning the reporting of this unknown account XXXX ( Original Creditor : XXXX  XXXX  XXXX XXXX ) each time it comes back verified ... I have no idea what this account is ... .i am writing this complaint not only because i have no idea what this is but they are reporting the account on my report twice... they are double dipping which is a violation of my consumer rights...... the bureaus should be held accountable for the pencil whipping they do... I need these accounts removed from my reports immediately ... i have included and attachment

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 2021-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
double practice issue on overdraft protection that the argee went the account open over nine year ago

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Executive Financial Consultants, Inc
State: MO

Complaint narrative:
I have been receiving numerous letters threatening action on accounts that have been discharged in my Chapter XXXX bankruptcy that I have been paying monthly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Hello, About a week ago I signed up for Experian with my email address to check my credit. I found some errors that my X-wife had not rectified and corrected those. About a week later I received an email from Experian advising me that my email address had changed. It gave me a link to click to resolve the issue. I could not access my account because my X-wife had changed the email to hers. I tried to recover my username/ password using my SS # and DOB XXXX but again, this information is being sent to my X-wife 's email address. Needless to say I have zero contact with my X. 

I contacted three different phone numbers for Experian, but all were the same phone maze that would not connect me with a live person, but directed me back to the website to repeat the action noted above. I have had several email exchanges with Experian, but they keep sending me back to the website to repeat the same action noted above. 

I added fraud alert to my Experian account and gave them my money, but not sure that helped. I tried to add a freeze to my credit, but again, I don't know if that has been activated. 

I have also advised my lawyer. 

I just need someone from Experian to call me or actually help me recover 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 2021-11-02 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
In the beginning of XXXX, while sitting in my den at the front of my house, I saw a car drive by and someone was taking pictures. I thought nothing of it. In the beginning of XXXX, XXXX, I received a letter dated XXXX XXXX, XXXX, from a lawyer 's office, XXXX XXXX XXXX, P.A., XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Az, telling me my house was in foreclosure. I had no idea why. I called the lawyers and received no response ; I called the mortgage company and didn't get any cogent answer either. 

I had to hire a lawyer to find out what was happening and why. As I have a reverse mortgage on my home, I couldn't have been late in any payments. What the lawyer discovered upon speaking to the complaining lawyers, was that when that car drove by taking pictures, the people taking the pictures didn't see a car in the driveway and surmised that no one was living in the house which is a violation of my reverse mortgage. Had the come to the door, I would have answered it. My car was in the garage where it belonged. I just as easily could have been running errands, at an appointment, etc. There is an illegal foreclosure sale set for XX/XX/XXXX. Copies of letters and Notice of Trustee 's sale are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 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 am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX XXXX. 
Enclosures : Social, ID, Identity Theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 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: DISCOVER BANK
State: FL

Complaint narrative:
I have a complaint with discover I have been a card holder for XXXX years currently with a line of credit of {$7500.00} with a balance of {$450.00} outstanding payment history recently I received a notification requesting documents from irs of proof of income in which I provided prior to accepting card first year of having. There is nothing in there disclosure that warrants these actions and speaking to two XXXX co workers whom stated they have never went through this I feel discriminated against totally and Im filing a complaint toward this company if this was a regular process why isnt it disclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: FL

Complaint narrative:
western union : - XXXX recording date : - XX/XX/2021 amount in USD : - XXXX amount and currency to be delivered : XXXX rupees I have sent this money to XXXX to my family member bank account he never received the money till today i have tried to contact western union several times and they are saying that i have to ask that XXXX XXXX  how can i ask them i have did this transfer with western union so i have to ask them from last 2 months they never helped me to get my refund back or to make money available to the receiver they are keep on sending email to the XXXX XXXX  and the XXXX XXXX  is keep on saying that the money is already deposited in the receiver 's account and that6 guy never receive the money

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: CA

Complaint narrative:
XXXX recently merged with PNC. I had a mortgage with XXXX, which transferred over to PNC in XXXX. PNC then created a virtual wallet account without my consent and started a monthly auto draft from this virtual wallet to pay the mortgage, which I also did not consent to. This auto draft could not be seen or managed on the PNC website. I paid my mortgage on XX/XX/2021 via ACH withdrawal from XXXX XXXX ( {$8400.00} ). Even though the payment went through just fine, PNC still withdrew the full mortgage payment amount from the PNC virtual wallet on XX/XX/2021. They then sent me an email saying that the wallet was now in overwithdrawal and demanded that I deposit over {$8000.00} within XXXX hours or get a overwithdrawal penalty - even though I did not authorize this extra payment on the mortgage. 

I called customer service, who said that they could not stop the payment. They said that I would be penalized with overwithdrawal fees if I did not deposit {$8000.00} within 24 hours. They also said that they were unable to stop future auto drafts from the virtual wallet on their end- they would have to forward the request to another department, which would take approximately 3 days to cancel FUTURE payments. They are FULLY aware that customers can not see or manage this auto draft on the website.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian, XXXX, XXXX. 

I am about to file a law suit against all 3 credit reporting bureaus for misrepresentation, false reporting, consumer abuse and racial disrimination. 

The credit bureaus all work together to discriminate against minorities and people whos credit appears to get better but then when achieved, they concoct a way to hit you with big point reductions when they only give you small increments of a raise in score at a time. 

Very lopsided way of holding a person back.

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 2021-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
received notice that someone ordered a credit report. it was bank of america. someone applied for and opened a credit card in my name. it has been closed and a fraud statement issued, bank of america said i could be told how that application was made but after 7 phone transfers i do not have that info. i NEED to know if it was an online application, phone request or mail in so i can determine the extent of this fraud.

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 2021-11-02 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:
my information was exposed in a data breach and company is reporting false information to my consumer report please delete immediately as the accounts are fraudulent

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 2021-11-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Upstart Holdings, Inc.
State: GA

Complaint narrative:
I called Upstart and wanted to inform that Im Enlisting in the United States XXXX XXXX and will be shipping out to XXXX XXXX on XX/XX/XXXX and need to defer my payments due to me not being able to be present and make payments and is listed in in my SCRA benefits. They told me they couldnt defer my payments and will put negative reports on my credit score which is entirely against the specifications of SCRA Protection laws

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The inquiry listed below is still reporting on my Credit Reports : XXXX XXXX-Date of Inquiry : XX/XX/2021 2021

Company response to consumer: Closed with explanation