vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-03 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: IL

Complaint narrative:
I have been a consumer of XXXX XXXX for over 3 years. I have never been delinquent, and always in good standard. XXXX XXXX I became very ILL. I went to my doctor and was diagnosed with XXXX and Hospitalized through XXXX. During my Hospitalization I was fighting was my life and unable to handle my affairs. Once I recovered I contacted XXXX  and paid the account of XXXX XX/XX/2021 bringing it to XXXX bal, and they sent Me a paid balance in full letter, but reported Me to the Credit Bureau as delinquent. I wrote them a write letter and email them twice in their online message center regarding my battle with XXXX and being hospitalized. I requested from them due to such unfortunate situation being out of my control would they make a good will gesture on my behalf and bring my account current. They denied Me. This is affecting my livelihood, because I am trying to gain housing for myself and my XXXX XXXX XXXX son and this is the only account on my Bureau reflecting delinquent. They have shown Me No Compassion under the circumstances and I have all documents to prove my case. PLEASE HELP ME to ha e this delinquent reporting pulled from My Credit Bureau. 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 2021-06-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I got a Best Buy card in 2017, I was offered for a 0 % purchases for 18 months so I got 2 articles, since I was told that I was going to finish my payments on time to avoid any interest. I set up my monthly payment at that moment and 3 years after I found that Im paying interest charged not sure when since Im not able to access the statement. I was not able to get information or any details when I called, I spoke to a supervisor and no information was provided so I havent used the card, Ive never received any statement or call or letter and I have a debt of XXXX in interest

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 2021-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have an active XXXX account that has been in good standing for 13 years which was previously being reported but now its not. Ive contacted the credit bureaus as well as XXXX. But my issue has never been resolved its been about 2 years.

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 2021-06-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc.
State: WA

Complaint narrative:
Better Mortgage is offering something of value on this email contract and steering clients to apply. This is an illegal practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Fairway Independent Mortgage Corporation
State: SC

Complaint narrative:
BOUGHT HOME ON XX/XX/XXXX WITH XXXX XXXX. RETAILER OF HOME ISSUED WARRANTY OF ONE YEAR TO " FIX '' AND " FINISH '' THINIGS WITH THE HOME THAT COME UP OVER THE FIRST YEAR. 

CLOSING DOCUMENTS HAD THE HOME LISTED AS A XXXX MODEL HOME- THIS WAS SOMETHING THAT WAS VERY IMPORTANT WHEN CHOOSING A HOME THAT XXXX WOULD FINANCE. 

WHEN MOVING IN ON XX/XX/XXXX, AND RECEIVING OUR " WELCOME HOME '' PAPERWORK, WE WERE TROUBLED TO SEE THAT OUR HOME WAS NOT INFACT A XXXX MODEL BUT WAS A XXXX LOT MODEL. 

THIS DISCREPENCY MADE US WORRY THAT THERE WERE OTHER WAYS WE HAVE BEEN DUPED BY THIS RETAILER AND HAVE HAD MANY OTHER PROBLEMS WITH THEM SINCE THEN, NOT HONORING THE WARRANTY AND OTHER THINGS EFFECTING THE SAFETY AND STRUCTURE OF OUR HOME.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 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: T.S. Holdings
State: WA

Complaint narrative:
From XXXX, I made several disputes on my credit report to report accuracy and validate the debts on my report. There is an account with the name IQ Data International in the amount of {$3200.00} that is being reported incorrectly on my report. It states on my report that the date of last payment was XX/XX/XXXX and I never made a payment to them on this date. In addition, the date of first delinquency is in not in XXXX of XXXX. I have attached the statement and email conversation from the original creditor accounts receivables manager who stated that the account was already sent to the credit bureau but she was going to allow me to take care of the balance to have it removed. No payment was ever sent in by me. The last date of delinquency is XX/XX/XXXX and this is not reflected properly. This account should be removed and report correctly and will also expire from my report in XXXX not XXXX. I have sent a settlement offer to the creditor to settle this account, in which I have yet to get a response on, however this is being accurately reported on my all of my reports. This is a violation of my rights according to the FCRA, IQ DATA INTERNATIONAL and these 3 credit bureaus have violated these rights of mine as a consumer. I also never received anything showing validation after my initial dispute in XXXX with the credit bureau, I had to do lots of research on my end to locate this statement in my email inbox. No proof of contract or communication was sent to actually validate and ensure it was correct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
In XXXX my ex-H and I got a HELOC. We made interest-only payments some in the {$1000.00} amounts per month. My ex-H lost his job and I worked overtime to make payments until the overtime stopped. We went through a divorce and I tried to work with RBC ( now PNC XXXX to do a loan modification but they could not help me. The account eventually went to collections. We were unable to come to a resolution. When the Collections representative contacted me last he said the Statute of Limitations has run and could no longer collect. PNC Bank charged off the loan in XXXX so based on the Collections Rep 's statement about the XXXX and the Bank writing off the loan I thought the matter was finished. Now I'm closing on my house tomorrow and have been trying to work with someone at PNC to release the lien that was recorded against my property but to no avail. The Note and Mortgage are no longer in effect based on the Statute of Limitations but they won't release the lien until the account is paid in full. I believe the Bank lost it's right to collect as they never filed suit, etc. and the XXXX has run. If this issue had be dealt with before my ex-H would have been responsible for XXXX this loan but now I am being forced to pay the {$150000.00} from the sale of my house in order to close on XX/XX/XXXX. How can a Note and Mortgage not be valid and the bank still collect? I need assistance getting the {$150000.00} back from the bank that was unfairly collected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/21, I tried to log into TransUnion to check my credit, I was not able to log in unless I provide a credit card. After my credit card was provided, the website log down for maintenance. I did not subscribe to any subscription but a few hours later, I saw a charge of {$24.00} to my credit card. I called XXXX and spoke to XXXX. I told her I did NOT subscript to there services and ask for {$24.00} to be refunded, and cancel my account. She refused to refund {$24.00}. TransUnion website is FRAUD! 
I want to be refunded for {$24.00}. Please SHUT DOWN their ILLEGAL ACTIVITIES STEALING CREDIT CARD NUMBER FROM PEOPLE TRYING TO LOG INTO TransUnion. 
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 2021-06-03 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I recently had a very frustrating and extremely damaging experience with XXXX XXXX  XXXX  Reporting affiliated with XXXX XXXX XXXX XXXX Card. I feel that I am owed the quick removal of the unjustified derogatory credit reporting information to restore my flawless payment history and loss of XXXX points. 
On XX/XX/2021, I received an email notification from XXXX that my credit score had dropped XXXX points. Startled, I log in to find out what had happened. After looking through the reports I found XXXX XXXX had reported that my XXXX XXXX XXXX card was over 30 days past due. Given that I have this payment set up automatically, I thought this was impossible. You can review my payment record and verify all payments have been delivered on time until XX/XX/2021 when the automatic payment failed. I immediately went online and brought the account current. 
Communication is a two way process. My issue is that despite being signed up for full automatic email notification as my preferred communication channel, XXXX did not notify me timely about the first missed payment in XXXX. Had XXXX notified me timely that there was a problem with the automatic payment in XXXX, I could have quickly made a payment and restored the automatic payment function and avoided the same issue in XXXX leading to the derogatory report and loss of XXXX FICA points. 
Moreover, XXXX can see that my payment record is flawless except for your unnecessary report. 
I called three different dispute numbers listed on the XXXX website and my card. All these numbers connected my to telephone agents in the XXXX who could not assist me except to advise I mail a complaint. I did send a complaint letter on XX/XX/2021 certified return receipt. I attempted to follow-up through several XXXX numbers but no one had any updates nor could they tell me who to call to get an update. Again, the XXXX Help calls were directed to agents in the XXXX who had absolutely no information nor latitude to assist 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 2021-06-03 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I recently had a very frustrating and extremely damaging experience with XXXX XXXX  Credit Reporting affiliated with XXXX XXXX XXXX XXXX Card. I feel that I am owed the quick removal of the unjustified derogatory credit reporting information to restore my flawless payment history and loss of XXXX points. 
On XX/XX/2021, I received an email notification from XXXX  that my credit score had dropped XXXX points. Startled, I log in to find out what had happened. After looking through the reports I found XXXX XXXX had reported that my XXXX XXXX XXXX card was over 30 days past due. Given that I have this payment set up automatically, I thought this was impossible. You can review my payment record and verify all payments have been delivered on time until XX/XX/2021 when the automatic payment failed. I immediately went online and brought the account current. 
Communication is a two way process. My issue is that despite being signed up for full automatic email notification as my preferred communication channel, XXXX did not notify me timely about the first missed payment in XXXX. Had XXXX notified me timely that there was a problem with the automatic payment in XXXX, I could have quickly made a payment and restored the automatic payment function and avoided the same issue in XXXX leading to the derogatory report and loss of XXXX FICA points. 
Moreover, XXXX can see that my payment record is flawless except for your unnecessary report. 
I called three different dispute numbers listed on the XXXX website and my card. All these numbers connected my to telephone agents in the XXXX who could not assist me except to advise I mail a complaint. I did send a complaint letter on XX/XX/2021 certified return receipt. I attempted to follow-up through several 800 numbers but no one had any updates nor could they tell me who to call to get an update. Again, the XXXX Help calls were directed to agents in the XXXX who had absolutely no information nor latitude to assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
I opened a Citi Gold checking and savings account package on XX/XX/2021 and started to make multiple deposits to the savings account. The total of the money after the deposits is XXXX as of XX/XX/2021. Couple of days later, I started to realize that the fund in the account was being held up. It did not allow me to make any use of the fund. I previously made a complaint about this matter. They explained in the response that " a thorough examination of Citibanks records and the circumstances surrounding our decision to close your banking relationship was completed '' and " account will be closed within 60 business days from XX/XX/2021 ''. 

I contacted my lawyer to thoroughly go over the Client Manual for Consumer Accounts that they enclosed in the previous response. There is no place in the document that indicates Citibank is allowed to hold the money for up to 60 business days. 

So my questions are : 1. There is a contradiction in the response they sent out. They said the " decision to close the account is completed '' however, later they said " the account will be closed in 60 business days ''. 
So is the account still open as of today or is it already closed? 
2. If the account is still open, why my money is being held up? 
3. If the account is closed, where is my check for the fund? 
4. Where in the Client Manual for Consumer Accounts allow Citibank to hold the customer 's fund for 60 business days? 

I will continue to work with my lawyer about this matter until I get a fair resolution.

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 2021-06-03 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: UT

Complaint narrative:
I am a victim of identity fraud from my sister XXXX XXXX. I have filed an FTC report and disputed these debts multiple times. Originally they will be deleted and then the company just adds them back even knowing they are fraudulent. Please help 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 2021-06-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
I refinanced my home back in XXXX. I left freedom mortgage. I am waiting for an escrow payment refund and I never received it. Then they told me that everything matched right to XXXX and I am not entitled to any escrow payment. There is no way it came to exactly 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 2021-06-03 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: IL

Complaint narrative:
My Name Is XXXX XXXX I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Experian does not acknowledge my disputes and it is impossible to get on the phone with someone to get this resolved. Their disputes team does not do anything about this and the online dispute never works. They continue to report " XXXX XXXX account # XXXX '' as potentially negative, when this account is now XXXX XXXX XXXX and should no longer be on my report. Additionally, this was a PAID IN FULL charge-off. 

They are doing the same thing for " XXXX XXXX  account # XXXX '', this was a PAID charge-off that is also XXXX XXXX XXXX and should no longer be on my credit report. Both of these are negatively affecting my scores still and need to be removed.

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 2021-06-03 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: UT

Complaint narrative:
I am a victim of identity fraud from my sister XXXX XXXX. I have filed an FTC report and disputed these debts multiple times. Originally they will be deleted and then the company just adds them back even knowing they are fraudulent. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 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: UT

Complaint narrative:
I am a victim of identity fraud from my sister XXXX XXXX. I have filed an FTC report and disputed these debts multiple times. Originally they will be deleted and then the company just adds them back even knowing they are fraudulent. Please help 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 2021-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/XXXX approx XXXX I received a text from my friend at my home watching my dogs while I was gone starting a man came by to serve papers to me. My friend said I wasnt home he went on to look at the papers say that I was being sued by Bank of America ... gave my personal information to a third party. Please help me with this matter as my rights have been violated.

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 2021-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica
State: KS

Complaint narrative:
I couldnt report my card stolen cause I was on hold three hours Before being disconnected. After yall disconnected with me I tried and tried to call and after Id enter the card # it said well transfer you only to get disconnected over and over. I tried to enter my SS # and got the same result. I borrowed my roommates phone to call and I finally got through to a representative to find my card had an alert and also had to call social security to validate my identity and I got no security questions but I was told I would receive a letter to be completed and returned but could not understand the representative because her accent was so thick. Help me get my money back please

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 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: Avant Holding Company, Inc.
State: NC

Complaint narrative:
In XXXX of 2021 Avant card closed my credit card with an explanation of " they felt I would not pay my balance '' at which time I was not DELINQUENT, or late. Nor had I been. My monthly payments had ALWAYS been way more than the monthly minimum. I have made several calls to company, they say I have to send emails to XXXX ... that they have no answers. I have sent NUMEROUS emails which have just been ignored. I have had card for going on two years. This closure has NO basis and has adversely affected my credit. It's clear looking at my history and credit this account has always been paid.

Company response to consumer: Closed with explanation