vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-19 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: EQUIFAX, INC.
State: MI

Complaint narrative:
The list of inquiry is unknown and erroneous. The inquiry is pulled without my knowledge. Please be noted that I have sent out letters prior to this complaint to Equifax and to the companies for them to investigate. However, there was no response from either of the parties and this is terribly causing my credit. Have this account be removed accordingly. 
XXXX XXXXXXXX Inquired on XX/XX/ 2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I contacted TransUnion in XXXX of 2021 regarding the account XXXX being added to my credit file without notification. I was not contacted by XXXX with regards to this collection. I also contacted Trans Union with regards to the past due balance in the amount of {$440.00} listed on this collection account. A collection is by definition is past due. So how can you list a past due amount? Credit Bureaus are required to report only accurate information. Trans Union is clearly reporting inaccurate information.

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 2022-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: MD

Complaint narrative:
I am awaiting a response regarding my mortgage interest payment reported to IRS for XXXX XXXX XXXX and additional information regarding interest from XXXX XXXX  XXXX, A Division of XXXX, XXXX on behalf of note owner Bank of New York as of today, XX/XX/XXXX. I received two written letters dated XX/XX/XXXX, See Exhibit # 1 and XX/XX/XXXX, See Exhibit # 2, from XXXX XXXX XXXX, A Division of XXXX, XXXX of XXXX, XXXX on behalf of note owner Bank of New York. These two letters contradict a different set of two letters dated XX/XX/XXXX and XX/XX/XXXX from XXXX XXXX XXXX, A Division of XXXX, XXXX of XXXX, MI on behalf of Bank of New York, the noteholder, with both letters stating, " We are working to gather the requested information and will forward it to you as soon as possible. '' Therefore, this is XXXX and I am demanding the answers to the following questions in regard to XXXX # XXXX for property XXXX XXXX XXXX, XXXX, MD XXXX : XXXX. What date that XXXX XXXX XXXX sent the original IRS Form 1098 for XXXX to IRS? 
2. What date that XXXX XXXX  XXXX sent the corrected IRS Form 1098 for XXXX to IRS? 
3. What date that XXXX XXXX XXXX sent the original IRS Form 1099-INT for XXXX to IRS? 
4. Where is the Escrow Analysis for the period XX/XX/XXXX to XX/XX/XXXX with all consecutive months? 
5. Where are the copies of the IRS Form 4506, IRS Form 4506-T that XXXX XXXX XXXX has on record for me with XXXX, XXXX as the third-party requestor ; XXXX. Where are the copies of the IRS Form 4506, IRS Form 4506-T that XXXX XXXX XXXX has on record for me with XXXX XXXX XXXX as the third-party requestor? 
7. What is the name of the contact person at XXXX XXXX  XXXX and XXXX, XXXX for the IRS Form 2624-Consent for Third Party Contact that I am preparing to submit to the IRS? 
8. What is the name of the contact person at Bank of New York, the note owner of my mortgage loan for the IRS Form 2624-Consent for Third Party Contact that I am preparing to submit to the IRS? 
9. Where are the copies of any documents with SXXXX XXXX XXXX XXXX XXXX XXXX that I signed giving them the authorization or written consent to release my NPI ( Non-Public Information ), as defined by GLBA, Gramm Lilley Beach Act, to third parties?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Today at XXXX XXXX, Yesterday at XXXX XXXX Every day. yet another phone call about a debt collection. The company is Portfolio Recovery XXXX. I answered and asked politely to not be contacted through my phone number anymore months ago. My phone number is on the do not call registery. I would like compensation from lawsuit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
The list of inquiries is unknown and erroneous. The inquiries were pulled without my knowledge. Please be noted that I have sent out letters prior to this complaint to TransUnion and to the companies for them to investigate. However, there was no response from either of the parties and this is terribly causing my credit. Have these following accounts removed accordingly. 
XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX Inquired on XX/XX/2021 XXXXXXXX XXXX Inquired on XX/XX/2021 XXXX Inquired on XX/XX/2021 XXXX XXXX Inquired on XX/XX/2021 XXXX Inquired on XX/XX/2021 2021

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 2022-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Today at XXXX XXXX, Yesterday at XXXX XXXX, Every day. yet another phone call about a debt collection. The company is XXXX XXXX XXXX. I answered and asked politely to not be contacted through my phone number anymore months ago. My phone number is on the do not call registery. I would like compensation from lawsuit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
Synchrony Bank/Lowe 's has repeatedly failed/refused to credit a {$100.00} telephone payment made on account XXXX despite three faxes providing checking account verification of payment made to Lowe 's and debited from my checking account. 

Recently Synchrony also erroneously added another {$100.00} owed to my balance claiming that it did so because it was " reversing '' a credit ( that in fact they never credited ) to my account after " completing '' their " investigation '' and being unable to locate the payment ( of XXXX ) Faxes sent from my bank to Synchrony on : XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX Numerous ngoing phone calls to Synchrony from me, from consumer banker XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, and from Lowe 's

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 2022-02-19 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructio
ns

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 2022-02-19 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: CA

Complaint narrative:
My credit score with Transunion has been lowered XXXX points from XX/XX/XXXX to XX/XX/XXXX. I I applied for an upgrade card and was approved XX/XX/XXXX. I received a spirit card XXXX XXXX, XXXX. I received a XXXX  XXXX card XX/XX/XXXX that was opened with no hard pull according to XXXX XXXX. XX/XX/XXXX I was approved for an XXXX  card. And I was added as an authorized user on a XXXX account in XXXX of XXXX which should not be a hard inquiry. So before these actions my credit score was a XXXX. I was docked points for the inquiries and then again when the counts were listed as opened. My limits are no higher than 15 % on any credit card. Then even though I had already had points removed for a hard inquiry for the upgrade card on XXXX XXXX XXXX they docked me XXXX points when the one card became opened. I was of the understanding your score could be adjusted a few point for inquiries but XXXX points for one card after having my score lowered on the same account is double jeopardy. I am in the market for a refi on my home but with the score the way it is its not allowing me the APR I deserve and is going to cost me thousands of dollars just because Transunion scoring system that is self serving. I attempted to call Transunion on XX/XX/XXXX to try to resolve this issue but was basically told by a miss XXXX she could only answer general questions. And seemed clueless. Not only would I like my score adjusted in a fair and unbiassed way I want to know what rules they go by for taking points off some ones credit report. All the proof of the scoring is in the their credit reports.

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 2022-02-19 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: MI

Complaint narrative:
The list of inquiries is unknown and erroneous. The inquiries were pulled without my knowledge. Please be noted that I have sent out letters prior to this complaint to Experian and to the companies for them to investigate. However, there was no response from either of the parties and this is terribly causing my credit. Have these following accounts removed accordingly.

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 2022-02-19 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
For months now I have been trying to get Experian to remove and acknowledge their derogatory comments on my credit file. Experian wants consumers in debt. Prior to my paying off my auto loan and paying down my credit cards these comments were never displayed on my file. " All of a sudden '' as I have paid off nearly all debt, my score has dropped from XXXX with debt to XXXX with no debt. Experian continues to ignore my request to justify why they are reporting such things. They also fail to amend my old statement add my new consumer statement to my file as requested. Balances on my file are also incorrect but my statement needs to be added seeing Experian fails to explain their 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 2022-02-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIZENS FINANCIAL GROUP, INC.
State: MN

Complaint narrative:
- I had a checking account and savings account from XXXX Bank. Sometime in XXXX, XXXX announced that it will no longer serve me and that my accounts will be transferred to Citizens Bank. I did not want to have an account with Citizens Banks, so I called XXXX and let them know. The XXXX representative responding my call ensured that my accounts will not be transferred, as long as I close those accounts before the transfer in XX/XX/XXXX. - I closed both my checking and savings account with XXXX on XX/XX/XXXX, and double-checked with the XXXX representative whether my accounts are closed for sure, and whether I should worry about my account information being transferred to Citizens Bank XXXX The representative ensured that my accounts are closed, and that the account transfers to Citizens bank will not happen. Yet, I received a credit card and a debit card from Citizens bank by mail in XX/XX/XXXX. I called multiple times to XXXX in XX/XX/XXXX to complain : the XXXX representative still insisted that, because my accounts are closed, Citizens can not open my account, and that I should contact Citizens bank because my problem is with Citizens bank. I protested that it is XXXXXXXX 's fault because XXXX sent my information without my consent, but all XXXX representatives I talked to repeated a similar line of answers and refused to issue any written confirmation of what they were saying to me over the phone. I now seek what I can do against this unauthorized transfer of my account information and the opening of accounts. - When I closed my checking and savings account with XXXX on XX/XX/XXXX, I attempted to close my credit card account with XXXX. The representative said the credit card account will not be a part of the transition to Citizens Bank, so I told the representative I will keep the credit card. Now, because I was unhappy with what XXXX and Citizens were doing with my personal information, I decided to close my credit card account with XXXX. When I called XXXX on XX/XX/XXXX, to close the credit card account, the XXXX representative said, unlike what the XXXX rep told me on XXXX call, my credit card was to be transferred to Citizens Bank from the beginning, and now XXXX can not close my credit card account because it is now transferred to Citizens. I demanded that XXXX check their record of my call with the representative on XX/XX/XXXX, the representative answering my call on XX/XX/XXXX, stated she does not have the authority to check the recording nor has the phone number to call to check. - I have made recordings with XXXX customer representatives, which can be provided upon request ( did not attach due to size )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
In XXXX of 2021 NCA was added to my credit file. I was not notified of this collection. The first time I heard of this account was when I seen it on my credit file in XX/XX/2021. I have contacted NCA with regards to removing this collection from my file or sending me validation of this account and as of today, I have not received anything in writing from NCA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 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: FIFTH THIRD FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have a mortgage with Fifth Third Bank and was in good standing until I got a forebearance in XX/XX/XXXX after the pandemic began. I was given XXXX months of grace. In XXXX of XXXX, I applied for a loan modification as XXXX of my options for how to come out of the forebearance. They said the review process would generate a new loan agreement with a new monthly amount due. 
They started the paperwork and told me I would have a new mortgage payment deal set up in XXXX weeks. 
In XXXX, when I had not heard back, I called in and was told that they were backed up and that it would take another XXXX weeks. 
In XXXX, they told me my loan was still under review and that I would be receiving papers in the mail. 
In XXXX of XXXX, I called again, and again I was told my loan was under review, but this time, I was also directed to the XXXX XXXX XXXX where I could track my case. 
I saw no evidence of this on the site, but their representatives confirmed AGAIN in XXXX that they were reviewing my case. 
XX/XX/XXXX, I asked again for a response and was told that my case was still under review. 
Today ( XX/XX/XXXX ) I learned that I have been reported as being XXXX days late on my payments! 
I have screenshots of this exchange. I have asked over and over again if I ought to make any payments and was told that this would complicate the review process. I have constantly asked if this review process was going to negatively affect me and they ALL confirmed that my records clearly show that I am in process for a mortgage adjustment plan. Now, my credit score has dropped XXXX points and I have been marked for delinquent payments!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 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: FL

Complaint narrative:
When i called the credit bureau ask can i have a copy of my credit File ( not my report ). I was told it would be sent to me and i never receive it. This was over XXXX days ago. I would like to know why i havent received it. If this suppose to be my credit FILE why I cant have a copy of my FILE. This goes against my consumer right.

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 2022-02-19 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: UT

Complaint narrative:
XX/XX/XXXX XXXX XXXX i only had liablity Auto Insurance Account # XXXX, {$170.00} usd.They i gave them 30day Notice Cancelation of Auto Insurance i was being over charge never got credit for being XXXX over XXXX XXXX.Furthermore they stolen money out off my credit card, XXXX  got me $ XXXXcredit to my account.XXXX XXXX is my insurance companyXXXX XXXX  kept emailine Harassing me, Threating, over an over.I Block, Spam them over and over and they keep sending me email to pay.I made complaint last year to ftc, than they stop untill XXXXThey sent me to Collection : Credit Collection Services XXXX XXXX XXXX XXXX XXXX, MA.XXXX www.ccspayment.com I donot owe them anything and Progressive is Harassment on me, iam XXXX XXXX XXXX for over 2years loss our home, autos, got hurt at XXXX XX/XX/XXXX and their workmans comp never paid me my cent.We both fell down got hurt cause us to loose our home an autos to make payments.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
For months now I have been trying to get XXXX to remove and acknowledge their derogatory comments on my credit file. XXXX wants consumers in debt. Prior to my paying off my auto loan and paying down my credit cards these comments were never displayed on my file. " All of a sudden '' as I have paid off nearly all debt, my score has dropped from XXXX with debt to XXXX with no debt. XXXX continues to ignore my request to justify why they are reporting such things. They also fail to amend my old statement add my new consumer statement to my file as requested. Balances on my file are also incorrect but my statement needs to be added seeing XXXX fails to explain their 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 non-monetary relief
Consumer complaint received 2022-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIZENS FINANCIAL GROUP, INC.
State: MN

Complaint narrative:
Citizens opened an account and sent a debit card and checkbooks without my authorization. 
- I had a checking account and savings account from XXXX Bank. Sometime in XXXX, XXXX announced that it will no longer serve me and that my accounts will be transferred to Citizens Bank. I did not want to have an account with Citizens Banks, so I called XXXX and let them know. The XXXX representative responding my call ensured that my accounts will not be transferred, as long as I close those accounts before the transfer in XX/XX/XXXX. 
- I closed both my checking and savings account with XXXX on XX/XX/XXXX. 
- The XXXX representatives have told me several times that my accounts are closed, and that my accounts are not transferred to Citizens bank - Yet, I received a credit card and a debit card from Citizensbank by mail in XX/XX/XXXX. Citizens noted in its mails to me that I can communicate with them only after certain dates in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I have submitted several disputes and even reached out to the CEO of Equifax XXXX XXXX regarding XXXX accounts listed on my credit report. I was a victim of identity theft, filed a ftc identity theft report and faxed it to Equifax only ro be told the ftc report is invalid. Equifax refuses to tell me how the ftc report is invalid and refuses to remive the XXXX accounts. I have sought legal help but also need these accounts remived because they are ruining my life and credit file. Equifax also are reporting the incorrect court for these accounts.

Company response to consumer: Closed with explanation