vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-17 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: CITIBANK, N.A.
State: FL

Complaint narrative:
THESE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE STOLE MY INFORMATION TO OPEN THESE FRAUDULENTS ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, XXXX and XXXX   CRAS. On XX/XX/2020, I mailed XXXX, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have spoken repeatedly on numerous occasions with various representatives of TRANSUNION regarding old, outdated or unauthorized inquiries into my file with them and they have failed to delete them as requested. Specifically, XXXXXXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, DEPARTMENT OF EDUCATION on XX/XX/XXXX and XXXXXXXX XXXX on XX/XX/XXXX each made inquires which I wish deleted 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 2020-08-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
They refused to give me my money back they made me pay it back and I did not do that my account was compromised and the fraudster withdrawal money on me from a bogus account from another member this happened on XX/XX/20 2 transactions {$1.00} and the other one for {$480.00} and I do not know this person

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Fairway Independent Mortgage Corporation
State: FL

Complaint narrative:
Been trying to work with XXXX since XX/XX/20 to start a loan process. Several emails and phone calls have been made to him to start the process of a possible $ XXXX {$75.00} mortgage we discussed back in the beginning of XXXX. He needs " documentation '' and was to send a list of what he needed last month. I have yet to get this and have left two voice mails and several cyber messages and a text. I have yet to get a response. It has been three months. The house I rent is willing to sell and keeps asking. I even have DPA ALREADY approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: NV

Complaint narrative:
I received a notification dated XX/XX/20 from Flagstar Bank that my homeowner hazard insurance had expired and that they would force place insurance unless I provided proof of insurance. 
Their statement is inaccurate as I have continuously had insurance from the origination of this loan through XXXXXXXX/XXXX. Further, the mortgage servicer has been paying the insurance premiums through escrow.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 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:
THESE ACCOUNTS LISTED WERE OPEN FRAUDULENTLY THEY DO NOT BELONG TO ME SOMEONE STOL MT INFORMATION TO OPEN THESE ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA & # 39 ; s. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 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: AZ

Complaint narrative:
I have tried to correct this problem with Experian and I do not feel they have look or helped me. I am a victim of identity theft and have already filed several reports with identitytheft.gov. I have mailed all letters to all credit bureaus and had contacted local PD who have also instructed me to proceed in this manner. 

My name is XXXX XXXX and over the two years, my information and identity has been compromised including unauthorized transactions/activity on my XXXX XXXX XXXXXXXX accounts. This has caused XXXX XXXX XXXX to freeze all of the money I had during a National pandemic restricting all access to funds. With my accounts being compromised I was not able to make payments to any of my bills as I was not able to open another account when all of my funds were in all of my accounts with XXXX XXXX XXXXXXXX. XXXX XXXX XXXX has reported to credit agencies which has severely impacted my credit and score and ability to open another bank account. Since this has happened, other personal information has been used of mine for government benefits and attempted business loans. I was instructed by Experian and FTC to report what I can in efforts to repair damages done by Identify Theft. Please let me know what additional information is needed to repair damages and repair credit as all of this has caused a lot of financial stress, inability to open another bank account, increased anxiety, restricting funds to provide for our family and limitations on what I am able to do now that my social security number and all personal information has been compromised. 
My Son also had his paychecks from XXXX going into his account and the money that was in the account ending in XXXX was all used to pay back unauthorized transactions from government benefit deposits that I did not initiate of make use of. Prior to this he had a balance of XXXX. Now he also had to start over as is money are parts of our savings were used to pay back funds we did not authorize in or out. Out of mine and my wifes savings XXXX was not recovered Our bank account had been compromised XXXX XXXX XXXXXXXX has treated us like criminals and very rude to us since all of this has happened. At no point helping us or providing any helpful 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 explanation
Consumer complaint received 2020-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I opened a Bank XXXX America checking account earlier this year. When I saw online advertisement in my area for XXXX dollar checking account promotion I wanted to open a an account. I opened that account and satisfy all requirements, and the bank has Repeatedly agreed that I met all requirments to receive promotion. 

Through my many efforts and phone calls I have not received my credit due. I logged a complaint with the bank, but no one followed up.

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 monetary relief
Consumer complaint received 2020-08-17 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: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
Customer service would not help and take care of the negative inquiries reporting to my credit report. 

XXXX inquiry date XXXX XXXX  XXXX inquiry date XXXX SYNCB/PAYPAL inquiry date XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To Whom it may concern, I recently challenged the validity of XXXX XXXX XXXX account thats being reported on my most recent credit report. Upon challenging this, XXXX  deleted the account based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging this account with your company you have verified this same account. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true I am requesting the information you used to verify this account in writing. If such documents can not be produced please eliminate this account from my credit report immediately -they failed to so. Proof of collection validation, method of collection verification, furnish immediately the signed contract or remove this account immediately. Collector did not verify, proof of collection validation, " The collector ignored my dispute letter, did not send me anything to verify this and by not responding, agreed that this is an unverifiable account! ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I've been trying to stop the employee 's of this company to stop committing fraud they are all thieves. Yes I'm 100 % sure if they are stealing from me they are doing it to others credit card account I called them 3 weeks ago to close and send me a new account number I speak to one of them I give them my account number 5 minutes later they give me a Different number they can't even be honest liar after liar they can manipulate and change forms papers lie and more. I paid most of my last account money and they added 3 times more debt on top of it instead of amount going lower it went higher how good questions to ask them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 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: IL

Complaint narrative:
On XX/XX/2020 I sent a request to Experian for verification on information reported in my consumer credit report pursuant to the Fair Credit Reporting Act ( " FCRA '' ) by providing me with a copy of the original agreement with my signature for both ( 1 ) XXXX XXXX XXXX with a balance of {$780.00} and, ( 2 ) XXXX XXXX collection accounts. However, it has been more than thirty ( 30 ) days since my request and I have not received the results,  requested documents, an updated credit report, or a confirmation that the request was received. I called Experian today and, per my phone call they have yet to verify XXXX XXXX and allegedly sent the results for the investigation on XX/XX/2020 but, I have not received any correspondence from Experian whatsoever.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
I opened Checking and Savings accounts with Citizens Bank per the {$600.00} promotion sent to me via US mail. The promotion is structured as follows : Receive {$300.00} for the checking account, {$200.00} for the savings account and {$100.00} bonus for both. 

I've followed all terms and conditions, yet Citizens Bank refuses to honor the Savings and Bonus portions of the promotion as the " deposit was not made in a timely manner ''. I attempted to open the account on XX/XX/20, the account was opened on XX/XX/20 after I sent identity verification materials and fully funded, after linking an external account, on XX/XX/20. 

I received the Checking bonus on XX/XX/20, which aligns with the promotion 's terms. After not receiving either the Savings or Bonus promotional dollars, I sent a message requesting the status. I was subsequently told that the " deposit was not made in a timely manner '' per the firm 's " Marketing Department ''. Upon review of the attached promotional flyer and terms and conditions, there is no indication of the amount of time one has to deposit the required amount into the Savings account. Further, by Citizens Bank 's delay in opening of the account, I lost the ability to deposit the required {$15000.00} at the time of opening.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: WV

Complaint narrative:
My wife and I are both XXXX  XXXX veterans. While working on my XXXX XXXX, she became severely ill and I had to quit my program to care for her and our XXXX children. I have always been in contact with the creditors. Since leaving my program several years ago, it has been an un-nerving maze with parts of my loans being bought and sold. She is a XXXX female XXXX veteran with an acquired illness during an injury in XXXX. I need to move our family closer to medical facilities to prolong her life. 

Im on an income-based pay system with the loans and with almost no income, have no payments at this time. Multiple reports on all credit bureaus have my loans in collections, late, and other negative reportings. These are all untrue and are keeping my credit score too low to apply for a home near treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
I have gotten numerous pre approved solicitations from Marcus XXXX XXXX Per their website and XXXX XXXX, I meet all the requirements for approval ( credit score and income ). I applied for a personal loan to consolidate my credit cards on XX/XX/20. Their website states that you will have a response or request for additional information in 1-2 business days. I had to log into their website and check my profile every day to see an update. I had to continuously call for updates and was told that it would be 1-2 business days for a response. By XX/XX/20 I asked for my file to be escalated. I was told they would reach out to me. I called again on XX/XX/20 and was told that a letter was mailed to me and there was nothing they could tell me. Basically my file was declined as soon as I complained. They said they were not able to tell me why it was declined and that I had to read the letter whenever I finally got it. Today I have gotten more emails with pre approvals from Marcus. This to me is false advertising and I feel they declined my application based on my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: MD

Complaint narrative:
My mortgage is with Specialized Loan Servicing. SLS I have had ongoing problems getting them to apply monthly mortgage funds to my account. They are showing as unapplied and unidentified fund? Numerous emails have been sent through their server with responses that make no sence and are unrelated. Also they automatically put my loan in forbearance a second time during covid without my permission or signature and when I wrote them about this they send it was no longer in forbearance. What???? Log back into account still showing forbearance. I am getting no where with them and do not like what they are doing with our money. I have take numerous screen shots as for some reason they company I am unable to print these pages to show proof of what they are doing. I also can not get thru on phone I have taken pictures of wait times. 45 minutes and over an hour with no pick up. I email also and ask for a call back with nothing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 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: FL

Complaint narrative:
Dear XXXX, In response to my complaint XXXX you have advised me that " We have reviewed and considered the information you have supplied through the CFPB and directly to Experian. In your complaint, you state that you have sent letters asking to have incorrect information removed. You request Experian have it removed from your report, but you did not mention which items you are referring to. We were unable to process your complaint based on the limited amount of information regarding your dispute. '' The following are the accounts that should be deleted asap : 1. XXXX XXXX Account XXXX XXXX. XXXX XXXX Account XXXX A copy of my complaint to FTC is attached.

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 2020-08-17 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:
THESE ACCOUNTS LISTED WERE OPEN FRAUDULENTLY THEY DO NOT BELONG TO ME SOMEONE STOL MT INFORMATION TO OPEN THESE ACCOUNTS I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA & # 39 ; s. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
THESE ACCOUNTS LISTED WERE OPEN FRAUDULENTLY THEY DO NOT BELONG TO ME SOMEONE STOL MT INFORMATION TO OPEN THESE ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA & # 39 ; s. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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