vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-09 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: MD

Complaint narrative:
In spite of my requesting an investigation into this account there are still multiple inaccuracies reporting on my account and it's keeping me from obtaining a mortgage as per my mortgage lenders investigation in to my credit worthiness. I wont be approved due to this inaccurate information on my credit report. Why won't you investigate and save me from this pain???? XXXX XXXX  Experian XXXX  Acct # XXXX XXXX Date Last Active : Incorrect Date of Last Payment : Incorrect The name of the creditor is truncated and makes absolutely no sense. The account number is truncated so, I have no idea what the account number really is. The date of first delinquency is incorrect The payment history is extremely incorrect There was no notice of previous dispute There are so many things reporting incorrectly that there is no way that you could have done an investigation.

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 2021-08-09 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: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
Barclays Bank Delaware is reporting an account fraudulently obtained by another individual to my 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 2021-08-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
My current mortgage company, XXXX XXXX, transferred the servicing rights to SunTrust bank. However this company has not notified me of the transfer and I am trying to contact the mortgage department but I keep observing the phone is disconnected. I am submitting a complaint because I would like my loan servicer to be transferred to someone else or back to the original servicer.

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 2021-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
Experian factual base dispute here is the exact location of of XXXX XXXX XXXX federal court house in the city of XXXX totally different from what youre reporting please remove from my credit file immediately what youre reporting is Inaccurate in false Allegations see file for physical proof again removed from my credit report and please please send me an updated credit report with the deletion of that public record thank you so much Experian XXXX why in the XXXX do you think its ok to supply incorrect information? Remove this right now!

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 2021-08-09 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: Continental Finance Company, LLC
State: MN

Complaint narrative:
Name : XXXX XXXX Address : XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX, MN XXXX Ph # : XXXX Email : XXXX RE : XXXX XXXX  XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NY XXXX XXXX This letter is to inform you that I received today that you have resolved the incorrect reporting to my XXXX  report, that was now corrected after filling a complaint with consumer reporting. I now have attached documents to show that you are now reporting incorrectly for XXXX, I am now opening up another complaint, I dont know why you guys cant seem to report accurately that this account is closed down since XXXX. I now show that you have reported that I made an active payment in XXXX of XXXX. How can this be possible if the card has been closed since XXXX. I will now file a complaint with the creditor, the consumer complaint department, XXXX  ; until you also resolve this matter. I have attached a copy stating that it was an error on your end and the account wasnt closed down entirely which created the inaccurate payments to my credit report. I am requesting and demanding you also correct XXXX  as now my score has dropped due your oversight, and if the same things happen to my XXXX  report I will open up a dispute on that account as well. 

PLEASE REMOVE ALL PAYMENTS/ MISSED OR NON-MISS PAYMENTS FROM THE YEARS XXXX & XXXX. AS THIS ACCOUNT HAS BEEN CLOSED SINCE 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 2021-08-09 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: SC

Complaint narrative:
On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I have attached and account that is reporting inaccurately to all three of my credit bureaus, per the FCRA any information reported in my name to the three credit bureaus must be 100 % accurate. I have attached a picture of this account taken today wirh the inaccuracies highlighted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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: TX

Complaint narrative:
I reached out to the Credit Agencies on XX/XX/2021, and requested that they remove the account on my credit report because they are violating a United States Code. Upon speaking to multiple representatives, I was told that they are unable to remove this account. The reasons I was given is their need to contact the " original creditor '' in order to validate the debt. I informed the last representative that their company was in violation of a United States Code and was told that I needed to contact the individual companies to request removal. 

The company is a violation of the following United States Code : Title 15 USC 1681b - Permissible purpose of consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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: GA

Complaint narrative:
I previously disputed the inaccurate accounts that are in my credit report last XX/XX/2021 but to no avail the credit reporting agencies did not fix my problem nor did they investigated or gave me a response. On top of that, they did not verify if the accounts they are reporting are even right! I know that they should be reporting with maximum accuracy but they are clearly not and it's hurting my credit score big time. Please help me resolve this with them as I am losing my patience and I don't know what else to do.

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 2021-08-09 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:
I previously disputed the inaccurate accounts that are in my credit report last XX/XX/2021 but to no avail the credit reporting agencies did not fix my problem nor did they investigated or gave me a response. On top of that, they did not verify if the accounts they are reporting are even right! I know that they should be reporting with maximum accuracy but they are clearly not and it's hurting my credit score big time. Please help me resolve this with them as I am losing my patience and I don't know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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: TX

Complaint narrative:
On XX/XX/2021, I wrote to you requesting an investigation into items that I believed were inaccurate. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed I file a dispute in regard to incorrect items on my credit report it has been well over 30 days and I've not receive any investigation results.15 U.S. Code 1681i - Procedure in case of disputed accuracy

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 2021-08-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
Received a request to send money through XXXX. Payment was unauthorized and have tried to have it reversed to no avail. XXXX will no do anything and PNC will not do anything either.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On XX/XX/2021, I received a cancellation notice from my homeowner 's insurance company for non-payment of premium. I understood that my mortgage company, Wells Fargo, would be paying my annual homeowner 's insurance fee. My understanding of this was based on a written assurance from the agent who handled my refinance. Wells Fargo was my mortgage company both before and after the refinance. When I refinanced my mortgage in XXXX of 2021, I noticed that the closing documents set aside {$840.00} in escrow payments for the payment of property taxes but had {$0.00} set aside for paying homeowner 's insurance. As a result, I wrote to the agent who originated my refinanced loan, XXXX XXXX, to clarify and asked if the amount going to escrow every month would also be used to pay my homeowner 's insurance, as it had been during my previous mortgage with Wells Fargo. He replied that yes, my escrow would be used to pay both property taxes and homeowner 's insurance. On the strength of that assurance, made in writing, I understood that Wells Fargo would continue paying for my property taxes as well my homeowner 's insurance from the escrow account created through my $ XXXX  monthly payments. 

When I called Wells Fargo to sort out the matter today, I was told that the closing documents indicated that money was only for paying property taxes and that there was no arrangement to pay for my homeowner 's insurance. The mortgage company, rather than acting in good faith to carry out the arrangement that I was assured in writing existed now and in the future, simply said that they could add paying homeowner 's insurance in the future if I paid extra money towards the escrow account. 

I was misled the company, and I believe it is their duty to carry out what I understood to be the terms of the agreement : I would pay {$840.00} a month towards escrow, and that amount would be used to pay for both my property taxes and my homeowner 's insurance. That would be the honorable course of action for them to take. Their false assurances have led to a lapse in my homeowner 's insurance coverage. They are responsible for the problem, and they should take responsibility for a fair solution that acknowledges and accounts for the role their misleading communications played in the problem.

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 2021-08-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
On Monday XX/XX/2021, I received an e-mail from Coinbase stating my account was closed. They stated that I can transfer all of my balances to external wallet. I logged in to transfer my balances but noticed that my XXXX balance of nearly XXXX coins XXXX or around {$130000.00} at the time of this message ) was not shown. I attached screenshots of the same. 

I have contacted the Coinbase Support on same day via Case # XXXX and got unhelpful responses ( see attached e-mail exchange ). I have reached to Coinbase via XXXX and XXXX as well, without any replies. I've made USD to NU trades on XX/XX/2021 and XX/XX/2021 for a total of about XXXX coins

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have attached various accounts that are violating the FCRA and reporting inaccurate information to all three of my credit bureaus. I have attached the accounts and highlighted all the inaccuracies. I would like to have these accounts deleted from all three of my credit bureaus.

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 2021-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have attached and account that is reporting inaccurately to all three of my credit bureaus, per the FCRA any information reported in my name to the three credit bureaus must be 100 % accurate. I have attached a picture of this account taken today wirh the inaccuracies highlighted.

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 2021-08-09 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: TN

Complaint narrative:
I have attached an account reporting to my credit that is not my card, this account belongs to someone else and I was an authorized user not responsible for the card. Delete this account from my credit asap.

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 2021-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CITIBANK, N.A.
State: PR

Complaint narrative:
On XX/XX/2021 I made a purchase from XXXX for the amount of {$72.00} at the time of the initial purchase that amount was taken from my account. On XX/XX/2021 XXXX withdrew from my account {$41.00}. Then on XX/XX/2021 XXXX withdrew {$7.00} and {$24.00}. I noticed those amount totaled my original purchase of {$72.00}. Meaning {$72.00} was taken from my checking account two times for a total of {$140.00}. Upon calling XXXX they stated they needed a fax number or email from Citibank to send a notice of release for the overcharged amount of {$72.00}. Citi bank states its normal for a company to hold funds more than once for the same transaction. I asked if I bounce any checks due to this who would be responsible and Citi bank supervisor XXXX ID # XXXX simply stated well dont pay more than whats in the bank. I asked if I make a {$500.00} purchase would it be acceptable that the merchant held {$1000.00} from my account and he said it happens sometimes. That is totally unacceptable that a financial institution I trust and expect to keep my funds safe thinks this is acceptable when technically thats a fraudulent transaction being that I only authorized it one time. Im filing this complaint with the hopes that the bank will have to change this policy not allowing a merchant to hold the amount of the purchase more than once. Also, if the bank allows it and the bank customer bounces a check due to this that the bank not be allowed to charge overdraft fees and to pay any fees due to the companies to whom the checks bounced. Its my money and I have a right to say who withdraw funds from my account and the amount. Unfortunately the merchant would have been able to send a fax or email to have the bank release the hold on the overcharges but Citi bank does not provide that option causing me to wait 7 business days for the funds to return to my account. I hereby request action be taken to ensure Citibank customers dont have to go through this. 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 2021-08-09 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: FL

Complaint narrative:
I would like to confirm that I am victim of identity theft. Someone just used my information and put the items that are not mine. I kindly ask you to remove this items as soon as possible from my profile after the investigation.

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 2021-08-09 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: FL

Complaint narrative:
I would like to confirm that I am victim of identity theft. Someone just used my information and put the items that are not mine. I kindly ask you to remove this items as soon as possible from my profile after the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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: NC

Complaint narrative:
My home was burglarized and my personal information was stolen along with other items from my home. I recently took a closer look at my credit report and noticed that a lot of applications has been created using my personal information that I was not aware of. I contacted Equifax and was told this information would be deleted but it has not been. The letter I received was a computer generated letter and my concerns were not addressed.

Company response to consumer: Closed with explanation