vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
I filed my second CFPB complaint # XXXX on XXXX21. This complaint is to update that filing. 
The company First National Bank of Omaha had responded to my first CFPB complaint that I was previoulsy informed re closing my account. However they did not begin to explain to me that even if I paid all my past due payments caused by the economic problems created by the Covid pandemic and become current with my account, that my credit card account would still remain closed. 
I am presently current on my account payments. 
Prior to the Covid pamdemic I had a perfect payment history. 
FNBO also detailed that I had the option to reapply for another card to create an active credit card account. No such option exists in reality! 
I went online today XXXX21 to www.fnbomaha.com and applied for a new card. I was told that I was not eligible for a card and a letter will be sent to me in ten days detailing why. 

If this new card is not an option for me, it means that have to continue to make my monthly payment without the rights and priviledges of owning this credit card. 

This is grossly unfair and prejudicial to 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 2021-10-06 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, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have reached out to Equifax Credit Bureau last XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. THE LATE ACCOUNTS ARE STILL FOUND AND NEED TO BE UPDATED COMPLETELY FROM MY CREDIT REPORT : XXXX/XXXX  XXXX Balance : {$720.00} XXXX  XXXX  XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Consumer Adjustment Company Incorporated
State: GA

Complaint narrative:
CONSUMER ADJUSTMENT CO. HAS FRAUDULENTLY PLACED A MEDICAL DEBT ON MY XXXX CREDIT REPORT Attention, you have illegally placed fraudulent information on my Credit Reports! You never contacted via mail or phone to attempt to determine if in fact this debt you have now fraudulently placed on my credit reports is mine! Im demanding that you immediately remove this fraudulent collection from my credit reports! Concerning the Alleged Creditor : XXXX XXXX XXXX XXXX, Alledged Creditor Account # XXXX -- -- -, Im acting in accordance with the Fair Debt Collection Practices Act ( 15 USC 1692g, Section 809b ) notifying you that your claim is Disputed and Validation is required! I am not requesting verification, rather I am requesting complete legal validation as per the referenced title and section of the law. Please provide me with the complete evidence you have stating that I am legally obligated to pay you. 

I request the following : Justification for the claimed amount, including invoices or receipts. 
Explanation of how you calculated the amount in question. 
Copies of any documents bearing my signature stating that I agreed to pay the claimed amount. 
The identity of the alleged original creditor. 
Proof that the alleged original creditor assigned the debt in question to you. 
Proof that the Statue of Limitations has not expired on this account.

Proof that you are licensed to collect debt in the state of Georgia.

Your licensed numbers and Registered Agent or Agent of Service.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I opened the account online on XX/XX/XXXX with an online bank transfer of XXXX . I received a XXXX deposit of {$800.00} on XX/XX/XXXX, and an ACH deposit of {$1400.00} on XX/XX/XXXX. I paid a credit card and sent money to my XXXX account at which point a hold was put on the account. On XX/XX/XXXX I tried to verify over the phone to clear the transfer, but was told I couldnt be verified. So I told them I would go to a branch, which I did on XX/XX/XXXX with multiple forms of ID, including a passport card, Drivers License, and credit cards. I went to the XXXX, FL branch and saw XXXX, he said he couldnt help me and the bank wasnt giving him any information and then let me talk to the person on the phone, who then said they could verify me through my Citibank App. I went in once again on XX/XX/XXXX and saw XXXX for the first time with my the same IDs and my Citibank card and the pin code. He told me there was no money in the account, and as of XX/XX/XXXX all of the funds were withdrawn from the account. He said he couldnt help me though, the account was still under back office review. I then left and called the fraud department, and they said that they were terminating our banking relationship so I expected to receive a check in the mail. I then received a letter telling me my account was being closed for identity theft on Monday XX/XX/XXXX. I called and eventually, after being told to call many different departments, was sent to the incident reporting unit, where I talked with XXXX. She said if I was to go into the branch just one more time they would be able to modify the account. I went to the branch that Friday, XX/XX/XXXX, with my IDs and my Citibank card and saw XXXX again at XXXX  instruction. XXXX called the incident reporting unit, asking to disburse the funds or turn the account on and was told I needed to send an email concerning the account details, which I did immediately. I was told to call in 1-2 days, which I did on Monday XX/XX/XXXX. I did not receive any responses from them. I called and was told I needed to fill out an identity theft affidavit, which they were sending. They didnt send immediately, so I called and they said the request was in. They didnt send it for a week, so I called and they sent it within the hour on XX/XX/XXXX. I immediately filled it out and sent it back. I called back today and he said he couldnt find any bank communications or the emails I have sent to XXXX. Ive called them more times than I can remember, Ive visited them three times with my identification, and this has been going on since 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 2021-10-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Security National Financial Corp
State: TX

Complaint narrative:
XX/XX/XXXX we closed on your new home. The initial loan amount with SecurityNational Mortgage Company was {>= $1,000,000}. On XX/XX/XXXX I made a {$1000.00} principal payment. SNMC sent me a monthly statement that shows this payment. In XXXX my loan was transferred to a new servicer for {>= $1,000,000}. The new servicer ( XXXX XXXX XXXX ) claims they can not post new payments on the account because SNMC has not forwarded them the previous payment. SNMC is therefore preventing me to pay off my loan early.

I reached out to SNMC multiple times. They first told me all the payments were forwarded. I called again today XX/XX/XXXX and they mentioned a request started XX/XX/XXXX to their accounting department and advised me it takes accounting 3 weeks for those payments to be transferred.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Any time I apply for any type of credit card I am always told I have insufficient activity and I am denied So their for I have never been able to get one When looking at purchasing a home with my husband of 25 plus years they said I had no history, but I purchased a vehicle, and to apply with card company that helps to establish credit, I WAS DENIED BY 5 card companies and still havent received any reason as to why

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 2021-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Any time I apply for any type of credit card I am always told I have insufficient activity and I am denied So their for I have never been able to get one When looking at purchasing a home with my husband of 25 plus years they said I had no history, but I purchased a vehicle, and to apply with card company that helps to establish credit, I WAS DENIED BY 5 card companies and still havent received any reason as to why

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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: MI

Complaint narrative:
I am filing a complaint against Transunion regarding an inaccurate credit reporting on my Transunion Credit Report. They are reporting a bankruptcy which was reported to them by XXXX. This was totally wrong and I contacted XXXX right away to get this corrected. As of XX/XX/2021 XXXX deleted this inaccurate bankruptcy from my records. After this was deleted I immediatley contacted Transunion and informed them that this bankruptcy was deleted by XXXX and that I want it now removed from my Transunion report as this was corrected by the data furnisher. Transunion AGAIN verified this fraudulent bankruptcy as accurate. This is my final complaint regarding this same issue before I file a lawsuit against transunion for violations of the fair credit reporting act. I need this bankruptcy number XXXX to be deleted from my Transunion 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 2021-10-06 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: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
I have five unauthorized hard inquiries on my credit report. I tried calling the companies directly who told me to call XXXX which directed me here. The dates are all from XX/XX/2020. Please help me proceed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SIMM Associates, Inc.
State: CA

Complaint narrative:
Since XXXX, I have received numerous calls ( 24 hours averaging every 3rd hour ) on a debt I did not create or have knowledge regarding a XXXX XXXX account. This account is over {$2000.00} and increases by a XXXX each month. 

a. I have requested verbally and by written letters ( XXXX, XXXX, XXXX first letter ) for definition of what a " Pal Pal account '' is. Is it a short-term loan, credit account with a commercial company or credit card account. 
b. I have asked when the account was created with request for copies of the original application, which should show who applied, how applied, what data/information was entered to establish its opening. 
c. I have also requested what was purchased and to where it was send/delivered/picked-up. 

To date, I have received no information other than a demand for payment, harassment and nuisance calls twenty-four hours a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: NC

Complaint narrative:
Sunrise Credit Services continued to call me several weeks ago even though I had asked the company to stop calling me on my phone. It was only after mentioning XXXX XXXX XXXX that the calls stopped. 
A letter was sent to my address but my name is not " XXXX XXXX XXXX '' ; thus, legally this is not my bill even though my address was used. 
I do not owe XXXX XXXX. This matter had been presented to North Carolina Attorney General and the agreement was that the balance of {$100.00} would be credited by XXXX in lieu that I would not take further action against this party. XXXX was going to take the EBB funds for internet services and still charge me an additional {$50.00} ; the customer service agents were not consistent with what had been advised to me from the corporate office of XXXX. After calling several times to XXXX and being told that I did not have a balance, I believed the agreement had been honored. This collection bill is a surprise and it forfeits the original agreement with XXXX who had been reported to the proper agency for investigation. I have faithfully been a on time paying customer of XXXX XXXX until behaviors that appears to reflect discriminations and incongruent customer service as well as what appeared to be big corporate attempting to take advantage of a XXXX on XXXX, did I notify XXXX  that I would no longer use the services, sent back all of the equipment, and agreed to the credit of {$100.00} in exchange for no further action against XXXX and no further communications to the Executive Office. I no longer received any bills from XXXX and each time I called prior to XX/XX/21 I was told that I had a " zero balance ''.

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 2021-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have " XXXX XXXX '' on my XXXX  account. 
It allows me access to information concerning me and this information is provided by Experian. 
Under addressed this is what is listed. 

Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXXXXXX XXXX AZ XXXX The first line is correct. 
The second line:XXXX XXXX XXXX XXXX XXXX AZ XXXX is not. 
I called the number that is given on the page to have it removed and spent an hour on the phone with the automated system trying to get a live person! Could not get a live person to save my life!

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 2021-10-06 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: Southwest Recovery Services, Inc.
State: FL

Complaint narrative:
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 
Collection Creditor : SOUTHWEST RECOVERY SER

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 2021-10-06 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: IN

Complaint narrative:
I have sent letters to each XXXX, XXXX, and Equifax on three different occasions and have yet to receive a response from any of them. The exact dates I sent the letters were on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I believe I am getting ignored and the credit bureau 's are infringing on my rights under the FCRA. 

It has been over 120 days with no response from the bureaus so I would like the negative information being reported on my credit profile to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Bank of America I have been fighting with their your fraud department for weeks and no one can figure out what is going on Bank of America Took a credit card application from someone that stole my identity in early XXXX of 2021 On XX/XX/XXXX, I faxed over the request for the application because I am in the mortgage process and need this resolved On XX/XX/XXXX, I called the fraud department and they admitted they made a mistake and instead of mailing it to my address on the request form, they sent it to the person that stole my identity address and put my personal information out there again On XX/XX/XXXX, I called again and the Fraud Department because I didnt get it and I am about to be declined for a mortgage because of this XX/XX/XXXX - Received a call from XXXX XXXX XXXX Bank of American corporate office after I emailed the CEO about the issue. He assured me I would get the information XX/XX/XXXX I received a call from Bank of America Executive Resolution Office that I would get the credit card application and things would be fixed XX/XX/XXXX I get a call from XXXX in the fraud unit stating they didnt have any requests from me and that I needed my police department to call to XX/XX/XXXX - I spoke to Executive Resolution Office ( XXXX XXXX XXXX telling me they had the request and try to get the report from fraud department XX/XX/XXXX - A call from Executive Resolution Office ( XXXX XXXX XXXX asking for a copy of the report I submitted and the fax receipt and I sent it to her XX/XX/XXXX - I received a partial application the identity theft person submitted for a credit card, but it was incomplete and Bank of America violated by right by not providing a complete report and by accessing my credit report without a full and complete application ( I think the have it and are just not providing it ) Bank of America was in the wrong, they violated my rights and still have not complied in full to send me the information that they must have received to run my credit for the pepatrator Please help me get this resovled 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 2021-10-06 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: MD

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$240.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have five unauthorized hard inquiries on my credit report. I tried calling the companies directly who told me to call XXXX which directed me here. The dates are all from XX/XX/2020. Please help me proceed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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: BMO BANK NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have five unauthorized hard inquiries on my credit report. I tried calling the companies directly who told me to call XXXX which directed me here. The dates are all from XX/XX/2020. Please help me proceed.

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 2021-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have reached out to Equifax Credit Bureau last XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. THE FOLLOWING ACCOUNTS ARE STILL FOUND AND NEED TO BE REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX/XXXX  XXXX Balance : {$4600.00} XXXX XXXX Balance : {$89.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Balance : {$790.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$350.00} XXXX XXXX Balance : {$220.00}

Company response to consumer: Closed with explanation