vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-15 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: VA

Complaint narrative:
XXXX  XXXX XXXX XXXX and TransUnion XXXX XXXX continue to allow my credit report to reflect an credit card account from XXXX  XXXX XXXX. This account is fraud due to the fact it was established in 1994 and I was XXXX  at the time. I could not possible co-sign for a credit card at this time. I have attempted to dispute this issue as fraud with XXXX  and TransUnion several times but the companies choose to just validate that the account is real. The companies need to conduct a fraud investigation and remove the credit card account 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 2020-07-15 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: VA

Complaint narrative:
Equifax Information Services LLC and XXXX  XXXX XXXX continue to allow my credit report to reflect an credit card account from XXXX  XXXX XXXX. This account is fraud due to the fact it was established in 1994 and I was XXXX  at the time. I could not possible co-sign for a credit card at this time. I have attempted to dispute this issue as fraud with Equifax and XXXX  several times but the companies choose to just validate that the account is real. The companies need to conduct a fraud investigation and remove the credit card account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 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: NY

Complaint narrative:
Hello, I had sent a letter to Equifax regarding some inaccurate information on my credit report and for them to remove and fix the accounts on XX/XX/2020. I sent them a follow up letter on XX/XX/2020 and still no reply. From my understanding they are in violation of section 611 ( a ) of the fair credit reporting act. I have attached the two letters for your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I pulled my credit report to work on and clean up my credit and I noticed inquiries that were on my report that I didnt authorize. I contacted TransUnion credit bureau and I told them that I would like these items removed off of my credit report, they then told me that I had to call each company to have them send a letter for deletion. I had to XXXX the numbers based off the name of the company found on my credit report i called each company and they couldnt find a record of my name or anything because I didnt have an account with them. I called transunion back to let them know that and they still said they couldnt delete the inquiries. Some of these inquiries were for the same name on the same dates. Duplicates. 
1. XXXX  XXXX  Date of inquiry : XX/XX/2019 2. XXXX XXXX Date of inquiry : XX/XX/2019 3. XXXX  XXXX Date of inquiry : XX/XX/2019 4. XXXX Date of inquiry : XX/XX/2019 5. XXXX XXXX  date of inquiry : XX/XX/2019 6. XXXX Date of inquiry : XX/XX/2019 7. XXXX  XXXX  Date of inquiry : XX/XX/2019 8. XXXX  Date of inquiry : XX/XX/2019 9. XXXX  Date of inquiry : XX/XX/2019 10.XXXX  XXXX  Date of inquiry : XX/XX/2019

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 2020-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
this notice is my demand to cease and desist collection activities prior to validation of purported debt and you must validate the collections claim of an alleged debt. You must provide verification that an actual debt really exists now or ever existed.

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 2020-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened an account with Citibank on XX/XX/XXXX because I wanted a bigger name bank for my SBA loan advance. The account was opened and the advance was deposited fine on XX/XX/XXXX. On XX/XX/XXXX my account was closed and flagged fraud with no notice, no verifications, and I had just gone into a branch earlier that day to get a copy of my card. Now my funds are being held and nobody will tell me the reason for my account closure. I have called numerous times, to no avail. There were no fraud transactions on my account and Id like access to my money because that was all I had.

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 2020-07-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I had my account on auto draft for 71 payments. I did not know that the 72nd payment needed to be sent in by check. I received 0 calls, texts, emails, or mail about my last payment being late. I found out through my credit reporting. This showed me as being 30 days late on my last payment. I have 20 years of never missing a payment and now it is ruined. I disputed this and the company would not remedy the problem and left the late charge on my credit report. How am I supposed to remember that the late payment 6 years later was supposed to be by check?!?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-15 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: MI

Complaint narrative:
I have requested this be investigated w/ Experian over THREE times. They have continued to list ALL of my Student loans as " PAID ''. They were NEVER paid. They were never due. They were never late. They were never past due. 
Before being due, they were MEDICALLY DISCHARGED. They do not belong on my Credit Report. Again, they were never paid on, therefore they're NOT a credit report item. 

Yet they keep on lying and saying they've " verified '' this. 

No, XXXX already told them it was medically discharged. 

Never " paid '' on, never late, never due. Doesn't belong on my CR.

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 2020-07-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
In XX/XX/XXXX, I applied for a loss mitigation package. After filling out all the paperwork, I just received notification XX/XX/XXXX, I was denied. In XXXX, I refinanced my mortgage. Two weeks later Hurricane Sandy hit and my home was damaged. A year later I lost my job. I managed to keep my mortgage current until these past few months. I have 8 years left and owe approximately {$140000.00}. I would like to extend the term so my payments would be easier to manage. Santander told me my income is too low to do that. Obviously that is the reason I am doing this. XXXX XXXX NMLS MLO # XXXX, is my loss mitigation specialist. I explained I can increase my income and he said to resubmit the loss mitigation package and it will be rejected again. He told me to plan my exit strategy. As it is only a matter of time before the house is in foreclosure and people will be like birds pecking all over me. He told me no one will make an exception for 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 2020-07-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The CMI Group, Inc.
State: TX

Complaint narrative:
I just received notice that Credit Management LP ( Collection Agency ) has been added to my report report and it has damage my credit rating. In reviewing the information on all three credit report, I discover that Credit Management LP is allegeing that I owe {$450.00} to XXXX XXXX - XXXX. 

Back On XX/XX/2020. I had submitted a request to CFPD in regards to this matter. CFPB reference no : XXXX. It was determined that the information was unable to be validated and the it would had been removed from my credit report. I checked my Credit report in XXXX and the information was removed. 

Credit Managment LP is trying to collect an account that has already been disputed. 

I really need the help of the CFPB, Credit Management LP is re-polluting the information on my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-15 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: NY

Complaint narrative:
Hello, I had sent a letter to Experian regarding some inaccurate information on my credit report and for them to remove and fix the accounts on XX/XX/2020. I sent them a follow up letter on XX/XX/2020 and still no reply. From my understanding they are in violation of section 611 ( a ) of the fair credit reporting act. I have attached the two letters for your investigation.

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 2020-07-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH

Complaint narrative:
I have 2 credit cards with Citizens bank. Ive been a long time customer of theirs. 

I had several hundred dollars worth of cash rewards on both cards. 

I called in at the beginning of this month, asking if I could use the cash rewards to make my payments for each respective card, money is tight as my wife is out of work. 

In both cases the representatives said that was perfectly fine, I verbally gave them permission and assumed I was all set until next month. 

Today I found out that in both cases the Payment from cash rewards did not actually count as a payment, it just reduced my balance and this was not communicated to me. 

So both of my cards are overdrawn now, with late fees that invalidated the cash rewards. If I had taken the reward as a check, and then paid with that money it would have counted as a payment. 

This seems incredibly shady, the fact that two different representatives never thought to mention that a payment wasnt actually a payment for 2 separate cards on their due dates is troubling. 

I called them, spoke to several people but they would not help. 

I work for another bank, we have to keep perfect credit and up until now I had that.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Certegy Holdings, LLC
State: CA

Complaint narrative:
On XX/XX/2020 I went to try to cash a check for XXXX and my transaction wasn't authorized I received a letter saying that I have an outstanding Item which may have been reported to XXXX XXXX , XXXX but there's no information on what was reported.

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 2020-07-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: TX

Complaint narrative:
I received a sum of money ( {$4300.00} ) on my account, right before cashing it out, my financial institution closed up my account, I complained and mailed but no help and Im seriously i need of funds These all happened on Monday XX/XX/2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: U.S. BANCORP
State: ID

Complaint narrative:
I purchased a used XXXX XXXX XXXX from an out-of-state dealership ( XXXX XXXX in XXXX UT ) on XXXX XX/XX/XXXX. The loan was financed through US Bank. 

On XX/XX/XXXX, I was involved in a accident in which the car was deemed totaled by my insurance company. On XX/XX/XXXX, I sent my insurance company all of the paperwork to finalize the settlement - which would pay off the loan in it's entirety. 

On XX/XX/XXXX, I was informed by my insurance company that US Bank would not issue a " Letter of Guarantee '' ( allowing the loan payoff ) as US Bank required a perfected title from the dealership. During a subsequent call to US Bank I was led to believe that they had been in contact with the dealership in order to expedite the process. However, on XX/XX/XXXX, another US Bank representative stated that they have not contacted the dealership and that they had no intention of contacting the dealership as this " wasn't their process ''. 

I have had issues with the dealership with post-sales issues and now they are not responding to my calls. 

My issue and complaint is the US Bank has notified me that the loan will continue to accrue interest and I will continue to be responsible for payments until the loan is paid off. This seems unreasonable as all parties understand and acknowledge that the vehicle is totaled and is pending a full payoff. 

US Bank has notified me that I will be responsible for

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 2020-07-15 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: CA

Complaint narrative:
I called to get my account unfrozen by Equifax but I was not able to do so. The representative wanted me to send documents to have my account temporary unfrozen. I am in the middle of applying for a loan and need it done immediately but they refused to temporarily open the account. The woman stated that I didn't answer something on my credit correctly. But I answered it correctly. I have never given permission to Equifax to gather my personal and confidential financial information. This is information they have stolen and now they make money off of my information and have not kept it secure so their breach put my information out in the public which is why the freeze in on my account in the first place. I demand my account to be temporarily unfrozen when I need it done and that Equifax stop trying to extort more information through my confidential documents to access my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MS

Complaint narrative:
I request assistance due to the COVID-19 pandemic from Carrington Mortgage Services on XXXX XXXX. I was approved for a 90 day forbearance and was given notice of by email on XXXX XXXX. When I called to discuss the terms of what it would be on XXXX XXXX, as in a deferment, balloon note or spread out over " X '' number months, I was told it would be determined in 90 days. The company would not give any determination of it until the 90 days was over. You could apply for the deferment just before the 90 days ended but if disapproved you were stuck with one of the other two options which you would not know which until the 90 days ended. The lady on the phone even questioned why I was asking for it since my house note was not behind. This company bought the mortgage from XXXX. How can someone determine if this will help them if you don't know the plan until you went 90 days without paying the note then you are left to whatever they decide. You can't make a decision base on hopes. Then to question why I asking for help before I'm behind.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 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: Home Loan Center, Inc.
State: CA

Complaint narrative:
I requested LendingTree to match me with lenders. This should be done based on my credit profile, instead my credit report was shot gunned which resulted in numerous inquiries. I did not authorize any of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 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: NY

Complaint narrative:
Hello, I had sent a letter to Transunion regarding some inaccurate information on my credit report and for them to remove and fix the accounts on XX/XX/2020. I sent them a follow up letter on XX/XX/2020 and still no reply. From my understanding they are in violation of section 611 ( a ) of the fair credit reporting act. I have attached the two letters for your investigation.

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 2020-07-15 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: TX

Complaint narrative:
On XX/XX/2020 I mailed a format letter to Experian requesting that they PROVIDE me with all relevant information validating debt on the XXXX/XXXX Account # XXXX being reported on my account. As of XX/XX/2020 I had not received the requested documentation validating the debt so I mailed another format letter out requesting this information. As of today XX/XX/2020, I submitted a dispute with CFPB regarding Experian and a case was opened. 
On XX/XX/2020 Experian responded to CFPB claiming I am not who I say I am therefore the case is closed. I demand that Experian delete this XXXX   account from my credit report immediately due to ILLEGAL STALL TACTICS!

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 2020-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
Regions Bank website says they will assist victims of Covid-19 With " Bank Fee Waivers '' Regions Bank does not assist with Covid-19 Victims. I was charged two {$72.00} FEES EACH. Again in my Deposit agreement it says for standard overdraft it's only {$36.00} However Regions is Charging well over that by charging {$72.00} per item. I did call regions for assistance explaining that I am victim of the corona virus and that these fees for {$60.00} in transactions has now put the balance at XXXX I am not paying XXXX Dollars in Fees. The Account is opted out of overdraft. I tried reaching a manager because regions lies online to their customers on their own website. Regions.com explaining that they will assist with Bank Fee Waivers and they do not. The Manager told me they assisted me on the XX/XX/XXXX for a Different fee and they will not be assisting me with anymore fee 's even though my account is opted out of Overdraft to  begin with and they are charging a fee greater than what is legally allowed by the FDIC. Regions never assisted me with payment assistance neither, Regions continues to lie on their own website and does not care about their customers. There Managers are HORRIBLE at customer service, the lady was screaming on the phone, she wouldn't escalate it to the Executive office and told me she doesn't care about customers of the bank.

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 2020-07-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
My XXXX  XXXX XXXX was totaled and I had gap coverage through the dealership. When it came time to get the paper from progressive to ensure that gap paid the remaining balance that progress didnt cover I couldnt get the information. I called the claim adjuster who was assigned to me as well as emailed him and I got no response. I went to the office and received no help. Now the balance is in collections on my credit with interest.

Company response to consumer: Closed with explanation