vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: DISCOVER BANK
State: VA

Complaint narrative:
I received an invitation from Discover card to apply for a personal loan. I applied over the phone and gave them all the information they asked for. After a few days I called to inquire about the loan and was told that my loan request had been rejected. I was informed they could not give me a reason why at the time and I would have to wait on a letter from them. I received the letter on XXXX XX/XX/2020. It was dated XXXX XX/XX/2020. As stated in the letter, the reason they were unable to approve the loan was " unable to verify credit references ". After she couldn't explain that to me, she changed it to not being able to verify my identity. Mind you they had my social number, bank account, etc. By the way, my credit is perfect. On the XXXX of XXXX my FICO score was XXXX. Although I was persistent in her telling me the reason my identity could not be verified she would not relent. I think the real reason is my age, which is XXXX years old ... .. and would not that be age discrimination, which I thought was against the law? My reference number with Discover is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX Company Inquiries : US SM BUS ADMIN XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am an authorized user on the XXXX   XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these 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 non-monetary relief
Consumer complaint received 2020-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
XX/XX/XXXX : Opened Citibank checking account after getting an offer for {$700.00} if I deposit $ XXXX and leave it there for at least XXXX mo XX/XX/XXXX Call to close my account. I ask agent if it's possible to get my funds electronically, he says no, it's sent by mail. Account is closed. 
XX/XX/XXXX : Call to inquire where my money is. They say it can take XXXX days. 
XX/XX/XXXX : I call back, give up after ridiculously long hold times. 
XX/XX/XXXX : I call back, it's escalated to Manager XXXX, who says, " XXXX business days '' so I should have it by XX/XX/XXXX. He promises to call me at noon on XX/XX/XXXX. I get no call. 
XXXX : I call Citi to complain again. Supervisor tell me it takes XXXX business days plus XXXX more business days for USPS to get it to me. I ask what happens if I still don't have it. He tells me the only option is the start the XXXX process all over again. I ask him to escalate to someone who can either transfer it to me electronically or at least mail it with postal tracking. He says it's not possible. 

I feel I have no recourse. They continue to earn interest on my money and there's no guarantee as to when I'll ever get my money 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 2020-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: MI

Complaint narrative:
Unable to connect my digit app account to my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Newrez/Shellpoint has a loss draft escrow account for my property for an insurance repair. The repair is recently completed and all documents needed for the final disbursement from this account were submitted and acknowledged by them on XX/XX/XXXX. I've made multiple calls inquiring as to the status of the disbursement and the funds have not been released as of XX/XX/XXXX. Customer service states that they can not have someone contact me, can not expedite the process, and their process is to submit the request to the back office, whereby I have to wait and call back and check the status in XXXX business days. Subsequent calls after XXXX days result in repeat of previous ( submit a request, call back in XXXX   days ) which results in no action. Multiple times have been told by customer service that the request has been submitted to release the remaining repair escrow funds. Call with customer service on XX/XX/XXXX stated that Newrez/Shellpoint would send the check out within XXXX hours and to call back for the status. Call on XX/XX/XXXX Newrez/Shellpoint stated that the check was not sent out, I requested that it be sent out that day and overnighted, company said to call back the next day for the tracking number. Call today ( XX/XX/XXXX ) customer rep says that check has not been sent out and is still being processed. 

Multiple calls to try to resolve this : XX/XX/XXXX, XXXX XXXX Each time Newrez/Shellpoint indicates a check will be issued, but fails to do so. At this point due to their delays I run the risk of financial penalties due to the delayed release of funds from the escrow account. It is now XXXX weeks after they have received the paperwork needed for them to process the disbursement.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 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: EQUIFAX, INC.
State: MI

Complaint narrative:
Equifax ; XXXX and XXXX are reporting incorrectly that I was late in XXXX, XXXX, XXXX, XXXX and XXXX, XXXX on the XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report along with a copy of my Drivers License and Utility Bill for identification purposes. ) I was dealing with significant health issues and contacted XXXX XXXX and spoke to an account manager and they agreed to lower my APR to 4 % and set-up my monthly payments on auto-pay. ( I have also attached statements for XXXX, XXXX and XXXX for reference. ) We negotiated this payment plan starting in XXXX. I had never missed any payments. I was told that with this payment agreement, no lates would be applied to my account. Unfortunately, XXXX XXXX did not honor our agreement and continued to report this account late. This false reporting of lates is seriously harming my credit score and these line items need to be removed and/or updated to report no late payments. I have contacted XXXX XXXX as well as the bureaus to fix my credit report however, I have not been successful.

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

Complaint narrative:
XXXX equifax and XXXX showing inquires not known to me FTC violations ally cowboy motor company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 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: CITIBANK, N.A.
State: MA

Complaint narrative:
How are you doing? Can you please help me? During this Covid-19 I been reviewing my credit report, and I was shocked when I reviewed my credit report and found late payment on the date below XX/XX/2017. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on 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 2020-07-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX  ; XXXX  and Transunion are reporting incorrectly that I was late in XXXX, XXXX, XXXX, XXXX and XXXX, XXXX on the XXXX XXXX  partial account number XXXX. ( Please see pages attached from my credit report along with a copy of my Drivers License and Utility Bill for identification purposes. ) I was dealing with significant health issues and contacted XXXX XXXX  and spoke to an account manager and they agreed to lower my APR to 4 % and set-up my monthly payments on auto-pay. ( I have also attached statements for XXXX, XXXX and XXXX for reference. ) We negotiated this payment plan starting in XXXX. I had never missed any payments. I was told that with this payment agreement, no lates would be applied to my account. Unfortunately, XXXX XXXX did not honor our agreement and continued to report this account late. This false reporting of lates is seriously harming my credit score and these line items need to be removed and/or updated to report no late payments. I have contacted XXXX XXXX as well as the bureaus to fix my credit report 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 2020-07-07 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX ; Experian and XXXX  are reporting incorrectly that I was late in XXXX, XXXX, XXXX, XXXX and XXXX, XXXX on the XXXX XXXX  partial account number XXXX. ( Please see pages attached from my credit report along with a copy of my Drivers License and Utility Bill for identification purposes. ) I was dealing with significant health issues and contacted XXXX XXXX  and spoke to an account manager and they agreed to lower my APR to 4 % and set-up my monthly payments on auto-pay. ( I have also attached statements for XXXX, XXXX and XXXX for reference. ) We negotiated this payment plan starting in XXXX. I had never missed any payments. I was told that with this payment agreement, no lates would be applied to my account. Unfortunately, XXXX XXXX  did not honor our agreement and continued to report this account late. This false reporting of lates is seriously harming my credit score and these line items need to be removed and/or updated to report no late payments. I have contacted XXXX XXXX  as well as the bureaus to fix my credit report 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 2020-07-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Hello Digit, LLC
State: NC

Complaint narrative:
I have a Digit account that helps me save money & you guys are blocking access. The app is a great account Ive been using since 2018. Please fix that service.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I ordered something from XXXX  back in XX/XX/2020. Did not get anything until XX/XX/2020 .... 

Opened the box that came from XXXX and it was not the item I ordered from XXXX. I reached out to XXXX to tell them what happened. And they told me the item does not qualify for a return/refund ... But i told them that this is not what i ordered. So I went to the post office and requested, return to sender. Dropped off the pacakge at the post office. Then i followed by disputing with AMEX. Everything was ok until last month. AMEX decided to charge me for the item again. I thought all this was taken care of. So here I am trying to get my money back. I have called AMEX customer service multiple times and I dont get anywhere.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-07 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: EQUIFAX, INC.
State: MI

Complaint narrative:
Equifax ; XXXX  and XXXX  are reporting incorrectly that was late in XXXX, XXXX and XXXX, XXXX on XXXX partial account number XXXX. ( Please see pages attached from my credit report along with a copy of my Drivers License and Utility Bill for identification purposes. ) This account was consolidated in XXXX and should not be reporting any lates. This false reporting of lates 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 response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 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: GA

Complaint narrative:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX  XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX

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 2020-07-07 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX  XXXX  XXXX  XXXX XXXX XXXX XXXX  XXXX

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 2020-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: MO

Complaint narrative:
According to Radius Global a short term loand was opened with my information - all correct except spelling of first name, bank and email. The original account was oppend with XXXX XXXX who never contacted me. My first contact regarding this fraudulent account was from Radius in XX/XX/2020. 

During my first conversation with Radius I was told that it was an XXXX account and any dispute had to be addressed with them. On XX/XX/2020 I contacted XXXX who informed me that the account was no longer their 's but instead was sold to Radius. Any dispute needed to be filed with Radius. All further attempts to contact Radius went to dead phone lines. 

On XX/XX/2020 I recieved written communication from Radius stating that they investigated and determined the account was valid and that I now owed XXXX plus an additional late fee for XXXX. 

On XX/XX/2020 I spoke with a Radius employee who informed me I needed to file a police report and return with the letter ( which will be done today, XX/XX/2020 ). The Radius employee also informed me they are simply collecting the debt for XXXX and that the account is not a Radius account. This contradicted the information provided by XXXX on XX/XX/2020.

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 2020-07-07 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: PA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX  XXXX ) I have sent 4 challenge letters to XXXX  XXXX XXXX  XXXX and equifax  XXXX Each time they say that the account has been verified ... How can they verify that this account is reporting 100 % accurate if they are all reporting different information? they have not conducted full and proper investigations is the answer ... .I am attaching a copy of my report so that you can see all of the inaccuracies in the reporting ... first off the account # includes the letter L which in reading is a metro 2 violation. equifax is not reporting terms and the other 2 are. account status are different, high credit is different, the comments are way different ... 2 of the bureaus do not even have the comment that it is in dispute which is a clear violation. date of last active are all different, date of last payment are all different and the 2 year payment history is totally different ... equifax is reporting ok, XXXX  is reporting a new charge off every month which is killing my score and XXXX  is reporting nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX  XXXX XXXX  XXXX ) I have sent 4 challenge letters to XXXX  , experian , and XXXX  . Each time they say that the account has been verified ... How can they verify that this account is reporting 100 % accurate if they are all reporting different information? they have not conducted full and proper investigations is the answer ... .I am attaching a copy of my report so that you can see all of the inaccuracies in the reporting ... first off the account # includes the letter L which in reading is a metro 2 violation. XXXX  is not reporting terms and the other 2 are. account status are different, high credit is different, the comments are way different ... 2 of the bureaus do not even have the comment that it is in dispute which is a clear violation. date of last active are all different, date of last payment are all different and the 2 year payment history is totally different ... XXXX  is reporting ok, experian is reporting a new charge off every month which is killing my score and XXXX  is reporting nothing

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 2020-07-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX  ; XXXX  and Transunion are reporting incorrectly that was late in XXXX, XXXX and XXXX, XXXX on XXXX partial account number XXXX. ( Please see pages attached from my credit report along with a copy of my Drivers License and Utility Bill for identification purposes. ) This account was consolidated in XXXX and should not be reporting any lates. This false reporting of lates 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