vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: WI

Complaint narrative:
I received a letter from XXXX telling me that the payments should be sent to them starting XX/XX/XXXX and that my new servicer XXXX XXXX starts XX/XX/XXXX - I sent the payment to XXXX on XX/XX/XXXX. I got the payment back from XXXX telling me that I should have sent it to XXXX. I then sent it to XXXX and they sent it back saying they don't know the servicer and changed the name from Flagstar bank to XXXX and that the account is unknown. I didn't send the payment for XXXX until they tell me where I'm supposed to be sending 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 2021-11-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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: CA

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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: GA

Complaint narrative:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. I can still see those items that affects my accounts. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please REMOVE the account completely from my Credit Reports : XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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: MD

Complaint narrative:
On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: MD

Complaint narrative:
On XX/XX/XXXX I saw I had an account on my credit report that I was unsure of for XXXX XXXX in West Virginia. I never lived in West Virginia as an adult so I contacted them. They told me the service for utilities was provided to XXXX XXXX XXXX, XXXX, West Virginia from XXXX of XXXX through approx. XXXX of XXXX. On XX/XX/XXXX, I provided pay stubs and W-2 for that time period that showed my address in XXXX. They refused to take the debt out of my name and asked for payment. I contacted the collection agency IC Systems at XXXX and spoke with XXXX, on XX/XX/XXXX, who told me in order to classify this debt as fraud I needed a police report from my state. I contacted Northern District in XXXX XXXX XXXX, Maryland and they directed my to this website to file my report, on XX/XX/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 2021-11-19 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: CITIBANK, N.A.
State: PA

Complaint narrative:
On XXXX XXXX we entered XXXX XXXX, enticed by their outdoor CLEARANCE notices. After two hours of viewing furniture with salesman XXXX XXXX. ( none of the XXXX employees disclose their last names ), we used our CITICARD ending XXXX to pay {$7400.00} for XXXX large pieces of furniture ( sales detail attached ). XXXX XXXX and XXXX XXXX clearly understood the furniture was intended for an, under construction, vacation home located at XXXX XXXX XXXX XXXX in XXXX XXXX XXXX XXXX, Ohio. and delivery would not be possible till XXXX or XXXX. The very next day, XX/XX/XXXX, XXXX tried to schedule delivery. Under the XXXX hour cancellation, we tried to cancel the transaction. 
From XX/XX/XXXX to XX/XX/XXXX through numerous voice and written contacts with CITIARD BILLING DISPUTES ( XXXX ). CITICARD denied cancellation. 
Requiring us to pay them {$7400.00} for the XXXX pieces of furniture. 
During the 4 months no " CITICARD INVESTIGATOR '' contacted us, and apparently accepted the absolute false statement by XXXX XXXX, mgr of XXXX, that this XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX wife XXXX XXXX, walked from the store with all XXXX pieces of furniture on XX/XX/XXXX. 
NONE OF THE FURNITURE WAS TAKEN OR LATER DELIVERED TO US. 
Yet CITICARD demands payment.

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 2021-11-19 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 recently applied for an auto loan and it was DENIED because they went to Transunion and they incorrectly reported me as having recent late payments for an account that was closed 6 years ago. Ive had XXXX missed payments on anything for 6 years! Ive pleaded with Transunion to fix for months with no success.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
Hello, On XX/XX/XXXX, I received a promotional email HSBC regarding my checking account ( see attached PDF. In short, during the 6 months ( starting XX/XX/XXXX and ending XX/XX/XXXX ), customers would earn {$180.00} for performing specific actions -- " Earn {$15.00} per month when youMake 10 new purchases per month using your eligible HSBC Mastercard card ( s ) earn {$15.00} per month for 3 bill pays per moth ''. 

Although I faithfully followed the terms, it has been very difficult to get HSBC to properly credit my account as per above. After many interactions with customer service, they've finally credited me {$90.00} ( {$15.00} x 6 months ) for the " bill pay '' portion of the promotion. 

They're not crediting my account the additional {$90.00} ( {$15.00} x 6 months ) for the " using card '' portion of the promotion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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:
I have submitted documents stating that the information on my credit report regarding an account from XXXX consumer is reported inaccurately and must be removed from my credit report to remedy the situation. Experian has yet to appropriately fix the error on their credit reporting.

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 2021-11-19 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: NY

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 2021-11-19 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 been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed 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 lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: IL

Complaint narrative:
On XX/XX/21 I noticed that my debit card kept declining. It was the evening time when I logged into my online account and noticed it said my debit card had been closed. The next morning I called and customer service gave me another number because they didn't understand what was going on but continued to tell me that on XX/XX/21 they were closing my account completely. I was in shock and she could not tell me why they were closing the account but gave me this statement that was given to me by everyone I spoke to on today, XX/XX/21. I called the number and they said oh we don't know but PNC doesn't have to tell you why we are closing your account. I have several bills that come out of that account as well as my direct deposit. I have been a customer of PNC Bank for almost 15 years so the least they can do is tell me why they're closing my account. I am disgusted that they would treat a long time customer like this. I also went into thE branch and the lady looked through my account and said she seen no suspicious activity so she was just as confused as me. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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: Nelnet, Inc.
State: FL

Complaint narrative:
Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

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 2021-11-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MI

Complaint narrative:
My mortgage company Mr Cooper  formally known as Natiostar has an forced escrow account on my mortage account claiming that their paying my insurance and taxes which is untrue and charging my account I has been paying my own insurance and taxes for the last two years in full on time .I contacted Mr Cooper and explained this to the agent that I spoke with on two different occasions first on XXXX and was told the escrow account was submitted for removal and I would receive a confirmation letter by mail .that confirmation letter never came so again I reached out to Mr Cooper  again on another call and was told by a different agent the removal was denied due to delinquent payments in the previous 12 months. I had no Delinquent or missed payment in the Las 12 months which was verified by the first agent I spoke with .now the second agent on XXXX which also verified that there was no Delinquent or missed payment and stated she will be resubmitting the removal and I would be receiving a resolution letter in the mail by XXXX I never received that letter also. on XXXX again I reached out to Mr Cooper on XXXX and inquired about the escrow account that was resubmitted for removal the agent told me the escrow was not being removed because of late payments

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Social Finance, Inc.
State: TX

Complaint narrative:
My debit card number was compromised and on XX/XX/XXXX and XXXX I had XXXX debit withdrawals from XXXX that totaled {$3500.00}. That pretty much drained my bank account. I called Sofi and they filed the fraud complaint but they told me it could be up to 90 days before I can receive my money back. This was obviously fraud and I think it should have been caught after a few debits but it wasn't. I called the Member Security Office but they don't answer the phone so I left messages and no one has called me back. I asked for a provisional credit but it has not happened. I am XXXX XXXX XXXX and it is very difficult not having my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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: DISCOVER BANK
State: NY

Complaint narrative:
These accounts don't belong to me. Please remove them from all XXXX credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

add it to my report. Your cooperation would be GREATLY appreciated. 

1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXXXXXX Account Number : XXXX This is not mine. 

3. Identity Theft DISCOVER FIN SVCS LLC Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
These accounts don't belong to me. Please remove them from all XXXX credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

add it to my report. Your cooperation would be GREATLY appreciated. 

1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX LLC Account Number : XXXX This is not mine. 

4. Identity Theft SUNTRUST BANK Account Number : XXXX This is not mine.

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 2021-11-19 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: IL

Complaint narrative:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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:
Re : Requesting a Method of Verification Letter I recently received an answer to a dispute which state that the accounts XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, and XXXX XXXX XXXX XXXX XXXX were verified according to the information that you have on file. Very Respectfully, I am sure there was an error in the outcome of your decision. I am requesting the Method of Verification for the following disputed accounts : XXXX XXXX, XXXX BANK, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, and XXXX XXXX XXXX XXXX XXXX. This is in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ). This is a request under FCRA 611 ( a ) ( 7 ) Description of reinvestigation procedure by your bureau in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ). A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Please reply within 15 days or delete the items, as originally requested.

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 2021-11-19 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: GA

Complaint narrative:
I called XXXX XXXX XXXX who is XXXX Visa I tried to do a credit increase they said my report told them my usuage on this card is too high My issue with this credit company they have not reported my card Since XXXX of XXXX I have also ask of them to remove the late from XXXX because it was covid I need them XXXX XXXX ans transunion to rescore my credit I lost XXXX points with this company I have paid this card off several times in the past 3 months that has not been reported.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation