vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: WV

Complaint narrative:
I don't really know where to begin. I checked the closed account option but I wish you could have selected multiples because ever since I've opened this account with Citibank it has been nothing but troublesome and total lack of professionalism. I opened the checking account ending in XXXX on XX/XX/2021. I deposited a check and then whenever the funds came available I went to transfer some of the money to my XXXX XXXX account using the XXXX application that is provided by Citibank. Immediately after trying to transfer I get a notice that says suspicious activity. It blows my mind what is so suspicious about transferring money from your new account I mean it makes XXXX sense. But that's just the tip of the iceberg. After trying unsuccessfully five or six times to speak to someone to take care of this problem, I finally get a hold of someone that I verified the transaction and my identity with and was told that I will be able to login to my account at least within 24 hours but should be immediately. A week later and still no access to my online account, I can not transfer any money to or out of the account, and the debit card that was told that I would have in 5 to 7 days has still failed to come in after 3 weeks. So I make me another Citibank account thinking that I'll be able to link my other account with this one but lo and behold what do I come to find out that my original account had been closed. Before I even received a debit card or anything they closed my account after I deposit a check into it. Trying to get any information from their so-called Representatives that act like robots is like pulling wisdom teeth. I don't have very much money in my account but it's my money and I want access to it.

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 2021-08-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I contacted the credit reporting bureaus, '' XXXX XXXX, and Transunion '' on XX/XX/2021 regarding unauthorized use of personal credit information and I was told my file was unable to be found despite of me sending all required information needed for the action of request.

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 2021-08-10 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: GA

Complaint narrative:
I contacted the credit reporting bureaus, '' XXXX, Equifax, and XXXX '' on XX/XX/2021 regarding unauthorized use of personal credit information and I was told my file was unable to be found despite of me sending all required information needed for the action of request.

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: 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: CA

Complaint narrative:
I just noticed that there have been several inquires that have been added but someone that have stolen my information. THIS IS FRAUD

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 2021-08-10 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: CA

Complaint narrative:
I just noticed that there have been several inquires that have been added but someone that have stolen my information. THIS IS FRAUD

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NORTHWEST BANCSHARES INC
State: IN

Complaint narrative:
NORTHWEST BANK ARE NOT WORKING WITH ME TO KEEP MY HOME I HAD TO FIGHT FOR SO LONG TO GET AN FORBEARANCE. THE NORTHWEST BANK COMPANY FINALLY ALLOWED ME TO HAVE THE FORBEARANCE AFTER MUCH FIGHTING & PLEADING, BUT SOON AFTER IT WAS OVER THEY ANNOUNCED I MUST PAY THE ENTIRE FORBEARANCE BACK OR FACE FORECLOSURE. THE OTHER OPTION IS TO FILL AN APPLICATION IF APPROVE MY OPTIONS ARE : REINSTATEMENT : LUMP SUM PAYMENT REPAYMENT PLAN : MODIFICATION : MUST HAVE AT LEAST 12 PAYMENTS-MUST HAVE ABILITY AT MOD SHORT SALE : DEED IN LIEU OF FORECLOSURE : WHAT IM TOLD I COULD GET BY ONLINE SOURCES FOR FORBEARANCE REPAYMENT OPTIONS FOR CONVENTIONAL MORTGAGE HOLDERS ARE THE FOLLOWING : LENGTHEN YOUR LOAN TERM : and pay off the missed amount at the end of the extended loan term, via additional mortgage payments PAYMENT DEFERRAL : This option lets you pay off the missed amount when. The home is sold or refinanced THEY GIVE ME LESS THAN A MONTH BEFORE THEY FORECLOSE AND MY FORBEARANCE ENDED IN XXXX - IS THIS LEGAL AND ACCEPTABLE DURING AN PANDEMIC? IM CONFUSED AND SCARED I APOLOGIZE FOR THE CAPS PLZ FOR FORGIVE

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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax Insists On Keeping My, Credit Card Account 's, That I Paid OFF On My Credit Report, With Their Own Unpaid Amounts. They Enjoy Keeping People 's Credit Score 's Down. Everyone Of The Credit Card Account 's, That I Have Listed, Is Paid OFF : # 1.XXXXXXXX XXXX {$2000.00}, # 2. XXXX XXXX XXXX # 3. XXXX XXXX, # 4. XXXX XXXX {$820.00}, # 5. XXXX XXXX {$15.00}. I Contacted All 3 Credit Bureaus. I Filled A Complaint With Each Bureau And They Refused To Resolve The Problem. What Kind Of " GENIUSES '' Work At These Companies? By The Way, I Filled Complaints With XXXX And XXXX, Because They Show The Exact Credit Cards, That I Paid Off, With Balances. Can You Please Help Me With This Mess? Thank-You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Can't access account or cads

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 2021-08-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
On XX/XX/XXXX, my loan servicer was changed from the money source to Mr. Cooper and this complaint is against Nationstar Mortgage dba Mr. Cooper. XX/XX/XXXX is when my first payment was due and I promptly made a billpay payment on XX/XX/XXXX from my ally bank account to Mr. Cooper. The issue is amount is debited from my bank account but the payment is not being reflected on my mortgage account. I have provided Mr. Cooper with credit trace number of transaction, my bank account statement, bill pay account payee proof but they dont seem to care about all these and havent resolved my issue. I have even filed a dispute with my bank and they are also backup I guess and dont want to resolve the issue. I am at a loss of {$1700.00} because of this and I want you to intervene and resolve the matter for me. I read online and I learnt that mortgage companies are notorious in not reflecting correct payments especially after new servicer takes over. This needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
I am a person who values my credit highly and my rights as a consumer. I am very meticulous about anything related to my credit and credit in general. I monitor my credit very closely sometimes daily.On XX/XX/XXXX I logged into one of my credit monitoring accounts and noticed that my score had dropped XXXX points with no explanation. when there is a change to my credit I am alerted immediately, this day I was not. My report was showing a new collections account for {$1900.00} from '' XXXX XXXX XXXX XXXX XXXX '' that I have no knowledge of. There was also a late payment added to my XXXX report by the same company showing the collection account. To receive a late payment you have to be late/delinquent on an open account " from my knowledge ''. I have never received any communications from said company. " Radius Global Solutions ''. My Credit reports shows Radius Global Solutions LLC out of XXXX Florida placing a inquiry on my credit file in XXXX. My report shows Radius Global Solutions out of XXXX MN trying to collect the debt. I have reached out to both companies by Certified Mail with a Debt Validation letter, " Radius Global in XXXX Florida '' and " Radius Global in XXXX Minnesota ''. No response has been received. 
This is not the first time I have dealt with this kind of negligence. Last year during the first week of XXXX a different company " XXXX XXXX XXXXXXXX '' illegally reported the same account that Radius Global Is reporting now. In XXXX when XXXX XXXX XXXX reported the same account I reached out to them immediately and told them the account did not belong to me and that I would report them. XXXX XXXX XXXX  removed the account from my report. Now seven months later I am dealing with the same issue but from Radius Global Solutions this time. I have no knowledge of this debt that is being reported and would like for these companies to stop reporting this false 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 2021-08-10 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 — Investigation took more than 30 days
Company: Verisk Analytics Inc
State: NY

Complaint narrative:
In XXXX of XXXX I noticed that Bankruptcies ( 3 ) were being reported on my credit reports. I contacted each crediting agency and disputed these incorrect negative items that XXXX - XXXX XXXX XXXX XXXX and other credit reporting bureaus were reporting on their accounts that they held under my name & social security number. I was informed of that this information of these 3 negative items was being reported to these credit reporting bureaus by this company called LCI Consumer Center whom is owned or affiliated with Verisk Analytics / XXXX XXXX LCI . I was told that I could contact them for my report that they held, to get a credit report freeze & to dispute all incorrect negative information they had on me under my social security number. I sent a Certified USPS Postal Service letter to dispute these incorrect negative items from US BANKRUPTCY COURTXXXX of Bankruptcies ( Dated XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX ) that they were reporting on me to these credit bureaus on XX/XX/XXXX USPS Tracking # XXXX & a LCI Consumer Center Repersentative Signed for the letter on XX/XX/XXXX XXXX XXXX. After that I didnt not receive any response to my letter what so ever or my phone calls to there contact number ( XXXX ) where I left more messages than I could count to no response what so ever. I wrote a second letter on XX/XX/XXXX USPS Tracking # XXXX after more than 30 days had pass & even more tha 45 days had passed with NO reply to any thing ( My Calls or My Letter )!

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: NJ

Complaint narrative:
XXXX Insists On Keeping My, Credit Card Account 's, That I Paid OFF On My Credit Report, With Their Own Unpaid Amounts. They Enjoy Keeping People 's Credit Score 's Down. Everyone Of The Credit Card Account 's, That I Have Listed, Is Paid OFF : # 1XXXXXXXX XXXX- {$2000.00}, # 2. XXXX XXXX XXXX # 3XXXX XXXX XXXX, # 4. XXXX XXXX {$820.00}, # 5. XXXX XXXX {$15.00}. I Contacted All 3 Credit Bureaus. I Filled A Complaint With Each Bureau And They Refused To Resolve The Problem. What Kind Of " GENIUSES '' Work At These Companies? By The Way, I Filled Complaints With XXXX And Transunion, Because They Show The Exact Credit Cards, That I Paid Off, With Balances. Can You Please Help Me With This Mess? Thank-You, XXXX 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 2021-08-10 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX Insists On Keeping My, Credit Card Account 's, That I Paid OFF On My Credit Report, With Their Own Unpaid Amounts. They Enjoy Keeping People 's Credit Score 's Down. Everyone Of The Credit Card Account 's, That I Have Listed, Is Paid OFF : # 1XXXXXXXX XXXX- {$2000.00}, # 2. XXXX XXXX XXXX # 3. XXXX XXXX # 4. XXXX XXXX {$820.00}, # 5. XXXX XXXX {$15.00}. I Contacted All 3 Credit Bureaus. I Filled A Complaint With Each Bureau And They Refused To Resolve The Problem. What Kind Of " GENIUSES '' Work At These Companies? By The Way, I Filled Complaints With Experian And XXXX Because They Show The Exact Credit Cards, That I Paid Off, With Balances. Can You Please Help Me With This Mess? Thank-You, XXXX 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 2021-08-10 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 — Investigation took more than 30 days
Company: Verisk Analytics Inc
State: NY

Complaint narrative:
In XXXX of XXXX I noticed that Bankruptcies ( 3 ) were being reported on my credit reports. I contacted each crediting agency and disputed these incorrect negative items that XXXX - XXXX XXXX XXXX XXXX and other credit reporting bureaus were reporting on their accounts that they held under my name & social security number. I was informed of that this information of these 3 negative items was being reported to these credit reporting bureaus by this company called LCI Consumer Center whom is owned or affiliated with Verisk Analytics / Verisk Financial/ LCI . I was told that I could contact them for my report that they held, to get a credit report freeze & to dispute all incorrect negative information they had on me under my social security number. I sent a Certified USPS Postal Service letter to dispute these incorrect negative items from US BANKRUPTCY COURTBROOKLYN of Bankruptcies ( Dated XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX ) that they were reporting on me to these credit bureaus on XX/XX/XXXX USPS Tracking # XXXX & a LCI Consumer Center Repersentative Signed for the letter on XX/XX/XXXX XXXX XXXX. After that I didnt not receive any response to my letter what so ever or my phone calls to there contact number ( XXXX ) where I left more messages than I could count to no response what so ever. I wrote a second letter on XX/XX/XXXX USPS Tracking # XXXX after more than 30 days had pass & even more tha 45 days had passed with NO reply to any thing ( My Calls or My Letter )!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
Debt is not mine and I have no idea why they are reporting on my credit report.

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: 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:
Hello : I would like to know why is my credit score so low on my Exqufax report vs the other 2, i have filed many complaints against this company about there reporting practices, i really don't trust the accuracy of Equifax reporting looking at the fact of how they botched so many people credit report a couple years back my credit score has never been consistent with the other two bureaus ever since I have been following my credit report my score never rises versus the other two credit bureaus is something very off with Equifax and I really don't trust them

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: PA

Complaint narrative:
I am so tired of this, every single time I log in to look at my credit someone is doing something deragatory. I have paid off over XXXX in my outstanding debt, part of that was a small loan, to get rid of some cards and consolodate debt at a lower, fixed rate. 
They never increse my score accordingly, however when I got One loan for XXXX they decreased my score. I feel they are targeting me, perhaps because I keep complaining which is in itself DISCRIMINATION. 
This is completely unfair practice. you will see in the snapshot I was decreased XXXX points for a XXXX loan, in my past complaints they ALSO DECREASED MY SCORE WHEN I PAID DEBT DOWN. there is clearly an issue, and I am trying to secure a new place to live this is detrimental to me, they are going to cause and issue and I will sue if this practice continues

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 2021-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Credit Karma, LLC
State: MI

Complaint narrative:
hello. i opened a credit karma spend account well over a month ago. in this time ive added in XXXX $ increments XXXX to the savings and XXXX to the spend account. i tried to use the card and it was denied and has been everytime we try to use it. we cant internally transfer anything either. its locked. i called credit karma and asked for a supervisor numerous times. every time they say they cant help n have no support team for me to talk to everything HAS to be done on their time and through e mail. i read on there website that they used XXXX XXXX  XXXX so i called them. they also cant help and said she would send a email on my behalf. there website says all over it its fdic insured and use mvb banking. they refuse to help after 50 emails i have that prove everything ive done n everything said back to me. every reply is telling me i didnt respond. i have 4 kids n NEED my money. this card and entire process is insane. further into reading reviews it seems like anyone who has had this account opened is having issues. every card is locked and no one can get to their money. credit karma is holding on to sooooo many peoples money and wont give a reply or our money back. they claim to have a support team but at the same time there is zero contact information they will give you. they tell you its all emails. something HAS to be done about this. they stole XXXX $ from me as well as ALL of my information at this time. i thought i was doing something good and adulting and they definitely ruined that for tons of people in the US. i will never use credit karma again for anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: NJ

Complaint narrative:
Improper late payment report for lateness on XX/XX/2020.

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 — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have a mortgage that is serviced by XXXX/XXXX XXXX. In XXXX of 2020 I got buried with major home repairs and some minor medical bills and got behind on my mortgage. I was able to bring everything current and on time by XXXX of 2020 and have been perfect since. My Experian credit report says " XX/XX/2020 Foreclosure Started '' but uses no language to indicate that the process was terminated or otherwise stopped when the mortgage was brought current. I am selling the house and the buyers mortgage company is concerned that there is a looming legal process clouding the deed and title, and I am unable to secure a mortgage to buy my next home because of the failure or refusal to adjust the Experian credit file. The payment schedule clearly shows the months when the payment was late, the written statement about foreclosure procedure starting is in addition to that schedule. They should add language " foreclosure proceedings aborted or ended '' or remove the the written language about it starting. It is a problem and it is costly to both me and the buyer of my home. I may lose this sale.

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