vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Atlantic Union Bankshares, Inc.
State: VA

Complaint narrative:
In XX/XX/2021, a payment in the amount {$13000.00} was to be paid towards the principal on loan # XXXX. The entire principal and interest at the time was {$13000.00}. I've just received a statement showing {$9000.00} for XX/XX/2021 statement and other charges not told to me by COLLECTIONS at the time I made the payment over the phone. THUS, My {$13000.00} was not applied to the principal loan amount.!!! 

In accordance with the loan agreement My MORTGAGE has been satisfied in full!

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 2021-01-27 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:
On XX/XX/20 I sent letters to each bureau. I have not received a response yet. I feel like I'm being taken advantage of and being ignored about my identity theft. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you have caused me. My information was also impacted by the XXXX data breach and has gotten into the hands of the wrong person. This lack of concern as a consumer is unsettling and disturbing as it is no fault that my information was exposed/stolen. I ask that this matter be corrected and updated immediately because I have sent in the required paper work as requested now I need you to enforce the laws here to protect the consumer.

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 2021-01-27 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This is a complaint regarding Experian. When I log into my Experian account, the web page shows that my credit report is unlocked. But when a mortgage refinance company attempts to check my Experian credit file, they get a message indicating that my credit file is locked. I have tried multiple phone numbers trying to reach a human to get a resolution without success. When calling the phone numbers available, I am directed to submit an affidavit to correct the problem- what problem? My credit file is shown as unlocked but evidently it is not. What do I submit? This is costing me $ XXXX/month because I can not refinance a VA loan as a Veteran. This is simply unacceptable. 

This is the second time I have run into this problem with Experian. Why not provide a number so I can reach a human and find out what is wrong????

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 2021-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: NC

Complaint narrative:
This company is violating my rights when it comes to the FCRA in N.C. It put a fraudulent collections account on all 3 of my credit reports I was told by a very nasty attitude rep from this company that they will not remove a fraudulent account even if its determined to be fraudulent when their company policy says that they will only remove fraud accounts reported or identity theft accounts theres a thousand responses on XXXX from the compliance officer saying they will delete those accounts but the rep I spoke with was very rude and condescending I was threatened that if didn't provide certain information to this rude woman that me wanting to speak with a manager or supervisor would not be granted and the she was just gon na hang up on me because she was tired of waiting on me I have the right to speak with a manager or supervisor when the rep is being unprofessional and I was denied that and hung up on I would like this company to remove this fraudulent account from my credit reports immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 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: AL

Complaint narrative:
I feel that these accounts are adversely affecting my credit report and its causing me unnecessary stress. This is not a regular dispute I have also filed a complaint with the better business bureau and federal trade commission because to my knowledge I do not recall any of these accounts. XXXX was not able to verify these accounts showing any of them belonging to me and they have deleted these accounts. I have attached a copy of the report showing where XXXX deleted such accounts. And according to the FDCRA unverfied inaccurate reporting is a Violation. So how is it that you are saying you verfied these accounts I do not believe anything has been done at this point. I need this problem fixed immediately and I should not have to wait another 50 days just to receive a response saying I'm not who I say I am because its clear you guys are just ignoring my request when you are suppose to assist me as a consumer. I demand these accounts be deleted immediately or I will have to file litigation for the stress you all have caused me. I read under Section 611 ( a ) it plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 50 days so they should be deleted promptly isnt that what the law states.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 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: CA

Complaint narrative:
In XXXX i submitted a credit dispute to experian credit agency. Regarding some items on my credit report. The investigation was done incomplete and the account XXXX XXXX XXXX Was not included in the investigation results. I wrote the credit bureau experian a second time notifying them of their violation of FCRA which states a FULL investigation must be done in 30 days and an account was missed. When i wrote them notifying them of this error they sent me a generic response notifying me of another 30day investigation being opened. 

It should be noted both XXXX and XXXX did a proper investigation and the account in question was deleted. I encouraged them to review the first document sent to them in XXXX where the proper dispute proof was. Because of this generic response im uneasy about a proper investigation being done and because of experians blatant violation of FCRA LAWS.

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 2021-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ERC
State: CA

Complaint narrative:
OK here is the trouble : XXXX and XXXX subsidiaries trying to collect big bucks that were passed long ago of limitation back in XXXX when all collection attempts failed to collect because of no income in my part /unemployed /when the economy went under in YR XXXX. 
So why are they now trying to collect money a second time, that was way long past due and destroying my credit reputation as well. havent they ruin my life long enough, Then they decided to return and collect the fees a second time again and destroy my credit once more for something long ago! many years ago! ( XXXX ) and they're coming back to trouble me a second time they should be ashamed. 
I think this has been passed way its limitations in California regulation seven years I believe It's limitations to collect or report anything on your credit obviously they're probably breaking the law. I don't know that but obviously, they are abusing the system and it's not right. Shame on all three, XXXX XXXX and the third-party agency collecting. 
yeah, I read the disgusting letters when they arrive wanting to collect for a dept that was past its time many years ago! Then upon reading Increasing additional fees from original past due {$390.00} last I remember? to collection attempts in XXXX why! - Today it is increased by {$800.00} how can that be doubled the amount? then asking to settle the payment for {$440.00} and XXXX cents. we are in the year XXXX. 

We are living in critical times once more you're attempting to collect monies once more!!! when this should have fallen from its limitations years ago!! I am struggling to stay alive and make ends meet like so many Americans in dire times all over this pandemic you are a disgusting organization. sprint t-mobile ECR collection 's I believe this is already breaking the law attempts for money that was owed long ago! XXXX and XXXX you should be ashamed. Trying to ruin and tarnish my credit which took so many years to repair and recover after the economic smash in the yearXXXX when I was unable to establish or make my payment obligations. Now again they're attempting to come back and ruin and steal my life away once more. to attempt to collect something that was 16 years ago past its limitations for sure, this is wrong to ruin my credit status once more! and collecting! ( WTH ) by threatening to report to all three agencies is devasting to me! when it was due many years ago 16 years ago! CFBP please protect my rights, or advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
My credit was pulled without authorization by CBNAXXXX and there is no contact information available. Again, I did not authorize this action. 

Thank you!

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 2021-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
On XX/XX/XXXX, I opened an HSBC Advance Checking account with a welcome bonus offer of {$220.00} through a promotional link on HSBC 's website. 

Unfortunately, after meeting the terms of the offer by completing the direct deposit requirements, I did not receive the {$220.00} deposit bonus. I called HSBC customer service in XX/XX/XXXX to inquire about the missing bonus, after a 90 day waiting period. The customer service representative informed me that I was not entitled to the welcome bonus offer because they could not confirm that the offer was applied to my account. 

To resolve the problem, I would appreciate the {$220.00} bonus to be applied to my account. I fulfilled the terms of the new account offer, and HSBC should also fulfill their end of the agreement. Enclosed are copies of my records including a screenshot of the offer I received on HSBC 's website when opening my account. 

I look forward to your reply and a resolution to my problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have repeatedly called Equifax and fraudulent inquiries on my credit report. Equifax told me to submit my Drivers License, Social Security Card, Proof of Address and an FTC Report. I submitted the requested documentation 5 times as Equifax kept loosing my documentation further exposing my identity. Equifax finally receives the documentation and then ignores it and sends me the attached report stating " Inquiries are a matter of factual record '' This is not factual. Equifax released my credit information without my consent and now they will not correct their actions even though I jumped through all of the hoops they required of me 5 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CREDIT ACCEPTANCE CORPORATION
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

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 2021-01-27 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: FORD MOTOR CREDIT CO.
State: TX

Complaint narrative:
On XX/XX/XXXX my dispute was received by Ford Motor Credit, In the dispute, I pointed out many errors on the alleged charged-off account XXXX including but not limited to there being a past due balance on an alleged charged-off account, or the alleged Date of last activity not being furnished on my credit reports. I still did not receive a proper investigation or any response from this alleged creditor When I check the current credit reports the alleged charged-off account still has a balance and past due balance and the same inaccurate payment grids for each bureau that I pointed out in the dispute. This creditor is being insubordinate and I do not want them furnishing data on my report any longer Below I attached the certified mailed dispute that was ignored by the alleged creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
I received a phishing text from BECU stating that there was an issue with my account. I was asked to provide personal information. I have had numerous hacking attempts recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 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: NY

Complaint narrative:
Equifax, XXXX  and XXXX  have consistently abused their assumed position of being consumer reporting agencies. The misuse and unauthorized reporting, validating debt and other actions without my consent is noted according to Congress Law in the attached letters that I've previously sent via certified mail. These " credit bureaus '' are not operating with in the boundaries of FCRA and FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 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: TN

Complaint narrative:
I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have also filed a complaint with the better business bureau and federal trade commission because to my knowledge I do not recall any of these accounts. I need this problem fixed immediately and I should not have to wait another 60 days just to receive a response because is clear you guys are just ignoring my request when you are suppose to assist me as a consumer. I demand these accounts be deleted immediately or I will have to file litigation for the stress you all have caused me. I read under Section 611 ( a ) it plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly isnt that what the law states so I dont understand whats going on please help me understand these companies are not being help to comply and I dont need XXXX  and XXXX  to keep asking me to send in correct identification because that is clearly a stall tactic my information is correct and valid identity

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 2021-01-27 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 feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have also filed a complaint with the XXXX XXXX XXXX  and federal trade commission because to my knowledge I do not recall any of these accounts. I need this problem fixed immediately and I should not have to wait another 60 days just to receive a response because is clear you guys are just ignoring my request when you are suppose to assist me as a consumer. I demand these accounts be deleted immediately or I will have to file litigation for the stress you all have caused me. I read under Section 611 ( a ) it plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly isnt that what the law states so I dont understand whats going on please help me understand these companies are not being help to comply and I dont need XXXX  and Equifax to keep asking me to send in correct identification because that is clearly a stall tactic my information is correct and valid identity

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make these charges or open the accounts that are on file. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I would appreciate it if you deleted these items as soon as possible as it is hinder me from moving forward in my life. It is my aim as the head of the household to get a house for my family in the near future and continue to lead as an example for my loved ones.

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 2021-01-27 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:
These incorrect reporting accounts are adversely affecting my credit report and costing me tons of unnecessary interest every year, This is not a regular dispute I have also filed a complaint with the XXXX XXXX XXXX and federal trade commission because to my knowledge I do not recall any of these accounts. I need this problem addressed immediately and I should not have to wait another moment especially when it has already been 60 days just to receive a response because is clear you guys are just ignoring my request when you are suppose to assist me as a consumer. I demand these accounts be deleted immediately or I will have to file litigation for the stress you all have caused me. I read under Section 611 ( a ) it plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly isnt that what the law states.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION
State: TX

Complaint narrative:
In XXXX, I co-signed a student loan for my daughter. Toward the end of XXXX, I made an additional payment of XXXX dollars to be paid directly to the principal balance of the account. When I called in to make this payment I requested this. The next month, I received a statement saying that no payment was due. When I called in about this ; I was informed that they considered the payment to be a pay head and that no payment would be due until the extra payment of XXXX was used up. I advised I didnt want that and needed it paid directly to the balance. So the specialist claim to apply it to the balance, so statements will show an amount due. However this is not happening. This company is still holding onto my payment and using it as a pay ahead payment and still charging interest, as if this payment was not made. I would like someone from this company to fix this, so that the payment is applied toward the balance and not considered payed ahead. I want statements That show an amount that is owed each month. I would like to point out that there is a huge difference between paid ahead and an extra payment toward the principal.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation