vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST CITIZENS BANCSHARES, INC.
State: TX

Complaint narrative:
First Citizens Bank was offering a checking bonus of up to {$500.00}. Earn {$500.00} when you open a new XXXX checking bundle and complete the following requirements : Maintain a combined Checking and Savings average deposit balance of {$15000.00} or more for 90 days ; Establish a direct deposit of at least {$4000.00} per month or make 10 debit card transactions within 90 days of account opening ; Open a  new savings account. The bonus should be posted within 120 days of meeting these terms. Detailed terms and conditions is attached here as well. I completed all the conditions on XX/XX/2020. More than 120 days passed, but no bonus was rewarded yet.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-25 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: CA

Complaint narrative:
There's a someone else 's XXXX  XXXX XXXX credit card account on my experian credit report. That account is shown with status charge-off, which drag my credit score down. I was trying to fix this with experian and XXXX  XXXX XXXX. I submitted dispute to experian twice to have that account removed, both rejected with reason : " The company that reported the information has certified to Experian that the information is accurate. '' Called them multiple times, they always ask me to dispute this with XXXX  XXXX XXXX. I called and disputed this to XXXX XXXX XXXX too and got a reply of " we have reported correctly to experian please dispute with experian ''. I discovered this error on my report one year ago, these two companies pass the buck to each other and the issue still not resolved.

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 2020-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
Over one month ago, XX/XX/XXXX approximately, I requested to have my transaction detail from XXXX forward emailed to me because I have a transaction on there where I sent money to a XXXX XXXX XXXX for a puppy. I now have to produce proof that I sent these funds. 
I have made numerous phone calls and requests to PayPal and they tell me they will send me the information, but they never do. I called them again today and the customer service person in collections said he can not help me, that I need to sign on to the Paypal site. I tried that more than once and my account is locked so I am not able to get help that way. This man kept saying I owe money when I do not and I alerted them a long time ago that there was fraud on my account. 
Paypal refuses to help me to give me the details of my tranactions from XX/XX/XXXX forward. They keep giving me the runaround. This is unfair and Illegal. I need help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: LoanCare, LLC
State: FL

Complaint narrative:
My mortgage company ( Loancare Servicing ) is reporting late payments starting in XXXX and XX/XX/2020 which I have uploaded proof that it was paid in time, also in XXXX when the pandemic hit us we applied for deferment and was approved until XX/XX/2020, and yet they have continued to report it as a late payment which I told them by law they should not be reporting, I have sent certified mail and also called to try to resolve this problem, when I contacted them I was rudely told that they are not reporting it as late and I must not know how to read my credit report because the problem is not on their end. I have included a screenshot of my XXXX XXXX which clearly shows the late payments of 90 days which made my credit score fall and has caused me to lose opportunities which I badly needed because of the pandemic.

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 2020-08-25 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: MD

Complaint narrative:
XXXX XXXX account was removed from my credit report in XXXX of 2020, and reappeared in XX/XX/2020. It showed 30 days late back in XXXX when I called to find out what was going on they advised I called to close the account. Ive never contacted XXXX  XXXX to close the account, that was the first line. I was unable to view the account online to even make a payment. The access was restricted. They sent me information to review my information to verify if this account is mine. I was locked out of my account for months, received no statements had no idea what was going on with the account. I finally was able to get access to account in XXXX after months of no assistance. I was denied access to my account, they removed the account from my credit report and added it back closed with a 30 day late that was originally XXXX they updated it to XXXX once in the beginning of XXXX before the payment was even due and towards XX/XX/XXXX. The reporting is inaccurate. The account has been closed since XXXX yet it was just updated this month XXXX as being closed. So XXXX XXXX reported my account being opened for months when it never was opened.

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 2020-08-25 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: MD

Complaint narrative:
XXXX XXXX account was removed from my credit report in XXXX of 2020, and reappeared in XX/XX/2020. It showed 30 days late back in XXXX when I called to find out what was going on they advised I called to close the account. Ive never contacted XXXX XXXX to close the account, that was the first line. I was unable to view the account online to even make a payment. The access was restricted. They sent me information to review my information to verify if this account is mine. I was locked out of my account for months, received no statements had no idea what was going on with the account. I finally was able to get access to account in XXXX after months of no assistance. I was denied access to my account, they removed the account from my credit report and added it back closed with a 30 day late that was originally XXXX they updated it to XXXX once in the beginning of XXXX before the payment was even due and towards XX/XX/XXXX. The reporting is inaccurate. The account has been closed since XXXX yet it was just updated this month XXXX as being closed. So XXXX XXXX reported my account being opened for months when it never was opened.

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 2020-08-25 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: SC

Complaint narrative:
Collection Agency keeps reporting a 6 year old debt as a new delinquency. The Date of First delinquency is XX/XX/XXXX. It has been investigated, corrected and then shows up again as a new debt. 

Collection account is below : Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor Name XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$7300.00} Amount {$7300.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor Classification BANKING Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact 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 2020-08-25 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: SC

Complaint narrative:
Collection Agency keeps reporting a 6 year old debt as a new delinquency. The Date of First delinquency is XX/XX/XXXX. It has been investigated, corrected and then shows up again as a new debt. 

Collection account is below : Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor Name XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$7300.00} Amount {$7300.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # XXXX Creditor Classification BANKING Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact 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 2020-08-25 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: GA

Complaint narrative:
The item on my credit report, XXXX XXXX XXXX, which is a revolving credit account that has been closed, is inaccurate because the current balance of {$300.00} should now be updated to {$0.00} balance, due to a settlement agreement ( please see attached copy of settlement agreement and terms ) which I have complied with all stated requirements in agreement. The settlement agreement states that I am to pay {$250.00} on or before XX/XX/2020, to collection agency XXXX XXXX XXXX , XXXX . who represents XXXX XXXX XXXX for the debt owed. Additionally, I was to sign and return original settlement agreement to collection agency XXXX XXXX XXXX XXXX XXXX XXXX 
I made payment for {$250.00} on XX/XX/2020, ( please see attached proof of payment with date ) and have signed and returned original settlement agreement to address listed on paid postage envelope provided by collection agency XXXX XXXX XXXX , XXXX . that represents XXXX XXXX XXXX XXXX please see attached settlement agreement copy that I have provided for record ). 

I have been unsuccessful with disputing and having the balance updated to reflect {$0.00} with all three credit bureaus ; Equifax, XXXX and XXXX. I have also reached out to XXXX over several months and they still have not corrected what has been reported to credit bureaus. They show my payment I made but have not complied with the settlement agreement with collection agency representing them. I have included the settlement agreement and letters sent to credit bureaus, this after several attempts to dispute remaining balance on my credit reports and reaching out to XXXX   over several months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 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: GA

Complaint narrative:
The item on my credit report, XXXX XXXX XXXX, which is a revolving credit account that has been closed, is inaccurate because the current balance of {$300.00} should now be updated to {$0.00} balance, due to a settlement agreement ( please see attached copy of settlement agreement and terms ) which I have complied with all stated requirements in agreement. The settlement agreement states that I am to pay {$250.00} on or before XX/XX/2020, to collection agency XXXX XXXX XXXX , XXXX . who represents XXXX XXXX XXXX for the debt owed. Additionally, I was to sign and return original settlement agreement to collection agency XXXX XXXX XXXX , XXXX . 
I made payment for {$250.00} on XX/XX/2020, ( please see attached proof of payment with date ) and have signed and returned original settlement agreement to address listed on paid postage envelope provided by collection agency XXXX XXXX XXXX , XXXX . that represents XXXX XXXX XXXX ( please see attached settlement agreement copy that I have provided for record ). 

I have been unsuccessful with disputing and having the balance updated to reflect {$0.00} with all three credit bureaus ; XXXX, Experian and XXXX. I have also reached out to XXXX  over several months and they still have not corrected what has been reported to credit bureaus. They show my payment I made but have not complied with the settlement agreement with collection agency representing them. I have included the settlement agreement and letters sent to credit bureaus, this after several attempts to dispute remaining balance on my credit reports and reaching out to XXXX  over several months.

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 2020-08-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
This is for a XXXX XXXX account that I do not have any knowledge of. I've contacted them on numerous occasions over the years to have this account deleted. I've provided vehicle and address proof in which they could not locate my file. It was placed in 2015 and I provided a list of the vehicles I've owned during that time period. Please help to get this situation resolved.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Owed American Express the payment was on time was not late was advsed by a Representative that the payment was not received when it fact it had been. Called my bank they cofirmed the payment to be recieved by American Express. Spoke with another Representative at American Express and was advised that the account would be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I was scammed for {$3400.00} on XX/XX/2020 from my checking account. I received a text message that day from XXXX saying that someone was buying an XXXX for {$760.00} on my account to call customer service immediately, so I call the number provided # XXXX. I told the customer service guy the situation and we had gotten disconnected. He called me back from # XXXX and said he was going to fix the problem. He had me go to my XXXX and download an app called XXXX XXXX. He was able to take control of my phone and had me go to my XXXX then had me go to my banking app. He assured me these were the steps to take to get my money refunded. He went to my XXXX and ended up sending 4 transactions in a matter of minutes. Three were for {$760.00} and one for {$1200.00} sent to the name XXXX XXXX with the email XXXX. I've used XXXX maybe 4 times and never in huge amounts of money like that. When I realized I was being scammed I immediately hung up on him, uninstalled the app and went on my Bank of America app and froze my debit card. Then I called the fraud dept at Bank of America and told them exactly what happened. I filed a fraud claim and they assured me I'd get my money refunded within 10-45 days. They froze my checking account, I cancelled my debit card and  changed my login info ( username and password ). I opened a new checking account. On XX/XX/XXXX the scammer wrote a check for {$6900.00} to XXXX XXXX XXXX with my name and address and forged my signature. I called the Bank of America fraud dept and notified them of this and they just said since it's from my frozen account he won't be able to get that money. On XX/XX/XXXX the scammer wrote 2 more checks with my name and address on them to the same place XXXX XXXX XXXX for {$2800.00} and {$3100.00}. I called the fraud dept again and filed another claim. They just said he can't cash them since the account is frozen. I've never had checks since I've been a member of BOA and I've never spent any amount of money close to those high amount 's. On XX/XX/XXXX I received an email from BOA saying my claim was denied because my phone device that I use for online banking was used, even though I told them he took control of my phone. I've never scammed before or in a situation like this. I thought this guy was with XXXX customer service and helping 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 2020-08-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: FL

Complaint narrative:
Elan Financial Services has placed an account on my 3 credit bureaus that is not mine. I am a victim of identity theft. This account is not mine. A hacker stole my personal information from the dark net because of the XXXX Data Breach

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 2020-08-25 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: TN

Complaint narrative:
I disputed negative and inaccurate and incomplete information on my credit report with all three bureas XXXX, Equifax XXXX on XXXX, XX/XX/20, XX/XX/20 and they have yet to respond to any of my letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: U.S. BANCORP
State: TX

Complaint narrative:
Kroger-US Bank has been sent letters following my husband 's death on XX/XX/2020 asking them to close the account. On the XXXX statement, I contacted the two entities on the statement, XXXX XXXX ( XXXX XXXX XXXX XXXX for {$7.00} and White pages for {$5.00} ) and asked them to cancel services and paid the statement to US Bank but contacted US bank by letter and asked them to close the account. Yet I received another statement from US Bank at the end of XXXX and again in XXXX with the same recurring charge for XXXX XXXX XXXX XXXX, which had they closed the account as requested could not have posted and resulted in yet another charge on the Kroger-US Bank account. I sent letters in fact aon XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and also responded to their letters telling me in essence that I had no authority to dispute any charges and though they received a certified copy of his death certificate and a copy of the will registered as a legal document here in XXXX Texas, they continue to this day to send letters addressed to my dead husband requesting that he call them to discuss. I have spoken to representatives in several areas at US Bank and have received no resolution. I would like for them to close the account and stop permitting XXXX XXXX submit charges for XXXX XXXX XXXX XXXX. I have contacted XXXX XXXX but have received nothing more than a phone message directing me to their website and to date they have not responded to the message I have left on their website.

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