vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-01 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: TX

Complaint narrative:
on XXXX I sent in a letter to validate accounts on my credit report, they did not resond. I sent in a failure to respond letter on XXXX it's now past 45 days and by law it must be removed!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 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: SC

Complaint narrative:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 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: FIRST NATIONAL BANK OF OMAHA
State: TX

Complaint narrative:
I was disputing or correcting items on my XXXX credit report, when I accidently pressed the wrong item. There is no delete or edit button and therefore it goes through. 

I have had to call 33 times to ask to have this fixed and each time the credit reporting agency either hangs up, disconnects or tells me a mgr will call back. Either way this does not get done. 

Today XX/XX/2021 I called, XXXX answered, listened to me then hung up. I called back again for the 34th time. 

I just need the entry Disputes : XXXXXXXX XXXX XXXXXXXX dispute in progress ( added XX/XX/2021 ) to be deleted.

They were given my id, police report and the letter faxed in explaining the detail. Even the bank asked to have it off the report. 

They continue to keep it is dispute mode. FCRA 605b says to be deleted within 4 days, this started 3 weeks ago and was requested with the additional information over 9 days ago.

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 2021-02-01 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:
THE ACCOUNTS/INQURIES LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I HAVE MADE A CRIMINAL COMPLANIT TO FEDERAL AGENCIES I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRAs. On XX/XX/2020, I mailed XXXX, TransUnion anXXXX 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 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 2021-02-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Uplift, Inc
State: SC

Complaint narrative:
I reviewed my credit and there is a collection from Uplift Inc for {$280.00}. I had an account with Uplift that was resolved back on XXXX XXXX. I used Uplift in XX/XX/XXXX to finance a cruise for my honeymoon and unfortunately my fianc passed away on XX/XX/XXXX. I contacted them immediately and was advised the steps to take to file an insurance claim so that the cruise line could reimburse them and the account could be closed. I did exactly as directed and was told my account would be put in suspension mode until the death certificate processed. I received an email on XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX stating they received payment from the cruise line. This is the last correspondence I received from them on this account. I was never notified of an outstanding balance and I never received any correspondence from XXXX XXXX XXXX XXXX which is who I was recently told that the account had been turned over to. I have attempted to contact XXXX about this account but only get a recording that no one is available. I have done everything on my part that was required of me to resolve this account after filing the insurance and I do not agree that this debt is mine in anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 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 do not know these inquiries in my profile. I have never gave anybody permission for these inquires and I have never authorized something like this. I do not know the origins of them but this is error in my credit report. I am a victim of identity theft so please I ask you to delete them from my profile 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 2021-02-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: FIRST NATIONAL BANK OF OMAHA
State: TX

Complaint narrative:
I received a phone call from FIRST NATIONAL BANK OF OMAHA claiming that a credit agency reported that my card was blocked. 

Subsequently FIRST NATIONAL BANK OF OMAHA closed my account. 

They told me if I fixed the credit report they would re-instate the account. However after all the fixing they left the account closed a refused to work with me.

They insisted that I re-apply for a new account. I did and as of today I received a notice it was not approved.

The bank keeps telling me a mgr will call me to help correct this matter and I have never in over 3 weeks received a single call, email or letter.

Only the original phone call until today I got an email after I checked the portal and found out the application was declined, I got an email saying to check the portal for the status.

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 2021-02-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Social Finance, Inc.
State: IL

Complaint narrative:
I opened a personal loan with SoFi on XX/XX/XXXX and had it funded on XX/XX/XXXX. I opened the loan after receiving an offer from SoFi for a {$350.00} bonus for opening a personal loan. I contacted SoFi on XX/XX/XXXX to inquire about the bonus and they stated that they can not issue the bonus due to the loan being paid off early. After reviewing the terms and conditions of the promotion, there is nothing that discusses being ineligible for the bonus for paying off the loan early. I would not have paid off the loan early had I known SoFi wouldn't pay the bonus, nor would I have opened the loan without the bonus.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Requested credit report from all three credit agency 's already have filled out form requesting credit freeze : and credit report : When it comes to filling out form on line they ask for E-mail address then they want you to become a member which state u can receive a credit report @ no charge

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 2021-02-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: KY

Complaint narrative:
THE CLOSING ATTORNEY DID NOT SEND THE COMPLETE PAYOFF ON MY FIRST LOAN, AND NOW I HAVE TWO LOANS TO PAY as the first one is still open and short of funds to terminate it ... ( this was a refi ) THEY WILL NOT ANSWER MY CALLS ( amerisave ) OR FIX THIS ... THE CLoSING ATTORNEY XXXX XXXX XXXX XXXX ) TOLD MY MORTGAGE COMPANY THEY WOULD SEND THE CORRECTED AMOUNT TWO WEEKS AGO ... XXXX XXXX XXXX FORMER MORTGAGE COMPANY ) NEVER RECD THE FUNDS ... TODAY I WAS ON HOLD 43 MINUTES AND THEN THE CLOSING ATTORNEY ( FIRST XXXX XXXX XXXX ) HUNG UP ON ME NO ONE IS RESPONDING ... THIS IS OVER A MONTH AND THIS COULD RUIN MY CREDIT ... THE PAYOFF WAS SHORTED AND I DO NOT KNOW WHYTHEY DID THAT ... WHAT I SENT THEM WAS CORRECT AS A PAYOFF, THEY PAID 2K LESS THAN WHAT WAS DUE THIS WHOLE EXPERIENCE WITH AMERISAVE HAS BEEN A NOGHTMARE RIGHT FROM THE START EVERYTHNING IS ELECTRONIC BUT THEY DONT ANSWER THE PHONE TO CLEAR UP ISSUES SO YOUR LEFT IN THE DARK OVER MOST THINGS ... NOW THIS, AND I DONT HAVE ENOUGH TO PAY TWO MORTGAGES AND IF I DONT MY CREDIT WILL BE RUINED I AM A SINGLE SENIOR XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 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: TX

Complaint narrative:
Transunion has blatantly disregarded my dispute letter from over 45 days ago. The fair Credit Reporting Act allows for a timely investigation of any disputed account on my consumer report. Your company has failed to adhere to federal law and has broken the law. The only way to avoid any more liability for your company is to take the requested action below.

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 2021-02-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I forgot to add my American Express XXXX card to my monthly budget sheet and therefore, forgot to make some payments. In XXXX, I began to receive phone calls that I did not recognize ( I'm still not sure if this was AmEx or not ). On XXXX, my brother in law texted me " I'm sure this is a scam, but just so you know, someone claiming to be from American Express keeps calling my number saying that you need to call them. I didn't even confirm that I know you because I'm pretty sure it's a scam but just so you know that they're doing that. You might need to warn other friends. '' Then on XXXX my sister in law sends me a text and a voicemail. In it the person says they are " looking for '' ( my full name, middle name included ). 
I have never given AmEx my family 's name or any of their phone numbers, which means they ( a ) cross referenced their database to find people I might know ( b ) called them and provide them with my full name ( c ) divulged my personal information. 
In short, they used their data base to divulge my personal information to other people ( aka, not a spouse ). I would like to file this complaint for the reasons I've listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 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:
THE ACCOUNTS/INQURIES LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I HAVE MADE A CRIMINAL COMPLANIT TO FEDERAL AGENCIES I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX CRAs. 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 2021-02-01 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Public record information inaccurate
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Yes my name is XXXX XXXX and I feel as if people has been getting loans in my name the people are XXXX XXXX and XXXX XXXX and 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 2021-02-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: TX

Complaint narrative:
Please see the attached transaction history. The transactions highlighted in red were not made by me. My Discover credit card was lost, and I didn't make any of those purchases nor did I go to those stores. All of my purchases were made online, so I didn't need a physical card with me, and I didn't realize that my card was missing. I reported those transactions to Discover as soon as I found out on XX/XX/XXXX. They sent me a new card a week later. Two months went by, I called Discover on XX/XX/XXXX to check on the status, and they told me that the fraud investigation had been closed, and they did not have a reason.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-01 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: FL

Complaint narrative:
XXXX XXXX XXXXs reporting incorrectly to all three of my credit bureaus. If all of the information comes from the same source why is it reporting differently on all three bureaus. On Experian and XXXX  it has an open date of XX/XX/2019 and on XXXX  its XX/XX/2019. It also shows a credit limit of XXXX on XXXX  and Experian but XXXX  credit limit on XXXX. Being that all of the information reporting isn't correct this needs to be deleted from all three credit bureaus 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 2021-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: WI

Complaint narrative:
PNC Bank performed an external transfer of funds from my XXXX XXXX account to a PNC account that had been closed for over two weeks. The banker that closed my account should have made sure that any transfers were cancelled before closing the account, since I obviously wouldn't want the account receiving money weeks after it was closed. 

I made an appointment for a banker to call me and they never called.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: TRANSWORLD SYSTEMS INC
State: NC

Complaint narrative:
I have received a letter from Transworld Systems Inc. from XXXX Ohio in regard with an account with XXXX XXXX XXXX XXXX. 
I called the number on the bill XXXX. The call was answered on a line with bad reception. The person did not identified himself. When I asked, he gave me his first name and after several attempts his last name : XXXX XXXX. I explained to him that I intend to make a statement in regard with the collection, then I asked for his license number or any other information that will help me identify the person taking my statement. 
Mr XXXX XXXX did not have a debt collection license which is required by the state of North Carolina where I reside. He refused to transfer me to a licensed representative and rudely hang up on me. 
I am asking for protection from Transworld Systems as their collection practices seem to be unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: NH

Complaint narrative:
I enrolled in an offer that stated I would receive 5 % back on online purchases made between XX/XX/2020 and XX/XX/2020. On XX/XX/2020 I purchased {$500.00} on XXXX. I expected to receive 5 % of {$500.00} which is {$25.00} but I only received {$7.00}. I have attempted to contact Citi regarding this issue. The customer service representative has reviewed my account and confirmed the discrepancy. The issue was escalated but I received a letter stating that no action was taken to resolve the discrepancy. I would like to receive a credit for the remainder in the amount of {$17.00}.

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 2021-02-01 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:
XXXX XXXX is reporting incorrectly to all three of my credit bureaus. If all of the information comes from the same source why is it reporting differently on all three bureaus. On XXXX  and XXXX it has an open date of XX/XX/2019 and on Transunion its XX/XX/2019. It also shows a credit limit of XXXX on Transunion and XXXX but XXXX credit limit on XXXX. Being that all of the information reporting isn't correct this needs to be deleted from all three credit bureaus 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 2021-02-01 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: FL

Complaint narrative:
XXXX XXXXXXXX is reporting incorrectly to all three of my credit bureaus. If all of the information comes from the same source why is it reporting differently on all three bureaus. On XXXX and Equifax it has an open date of XX/XX/2019 and on XXXX its XX/XX/2019. It also shows a credit limit of XXXX on XXXX and XXXX but XXXX credit limit on Equifax. Being that all of the information reporting isn't correct this needs to be deleted from all three credit bureaus ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Reviewed my credit report and noticed my student loans are not reporting correctly for 2020 and my loans are deferred at the moment but its showing my loan payments are late and its affecting my credit score and holding up the process of me purchasing a home. 

account # : US DEPT OF EDUCATION # 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 2021-02-01 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: EQUIFAX, INC.
State: OH

Complaint narrative:
Reviewed my credit report and noticed my student loans are not reporting correctly for 2020 and my loans are deferred at the moment but its showing my loan payments are late and its affecting my credit score and holding up the process of me purchasing a home. 

account # : US DEPT OF EDUCATION # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 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: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
This information is on my credit report without the agency having any info or record of the origin of the debt. I contacted Portfolio recovery onXX/XX/XXXX to inquiry about my contact. They didn't have any record of my account, the account number and any information associated with my account. They didn't have any account information associated with this debt on file.

Company response to consumer: Closed with explanation