vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX TransUnion hasnt responded to disputes, and it has been well over 30 days, have not corrected errors on my credit report. I have filed a complaint with CFPB, and response has nothing to do with complaint issue.

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 2021-03-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: WA

Complaint narrative:
Nelnet has been down and unable to receive payments for well over a month -- I want all interest accrued during this process through no fault of my own to be waived. 

This is unacceptable customer service, and I do not want to have my credit damaged or interest to accrue Seek immediate guidance and a record.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX is reporting an account on my credit. report that i do not recognize ... I ve sent 4 letters to all of. the bureau to verify/validate this account, XXXX was not able to verify/validate this debt and deleted it from my credit report ... .How have transunion and XXXX been. able to verify/validate this account if XXXX could not? they. have yet to send me a signed copy of this so called contract ... .Arent XXXX and transunion supposed to follow suite as this can not be verified/validated? i need this deleted immediately or i will be contacting the state attorney as well as a cfpb attorney

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 2021-03-25 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: IA

Complaint narrative:
XXXX and equifax have kept this negative nasty collection/closed account but have changed the status just to hide it on my credit report. XXXX had deleted the collection account for some months now. I request a swift deletion from the other two bureaus as experian also is showing it as a charge off and equifax shows it as a closed account which is innacurate and needs to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I began disputing a charge-off that I don't believe to be accurate as well as a collection that is being wrongfully reported. After the bureaus didn't respond to my dispute request, I sent another dispute on XX/XX/XXXX. But again, the bureaus have not responded and it's now been 4 months of this!

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 2021-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
Hello Awa collections is trying to collect a debt that is not mine and this is not the first time this happens. 

I called the company and they told me that this is for a auto insurance policy. I don't have a car let alone a driver 's license. I have never engaged in business with this company and I have no knowledge of any insurance nor have I ever had one. 

This is affecting my ability to purchase a home I just recently move to the united states of america from abroad and have no business with insurances or collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GUARANTEED RATE INC.
State: NJ

Complaint narrative:
On Wednesday, XX/XX/2021, I applied for a mortgage using with Guraranteed Rate. Currently they are having a technical difficulty where I can not link my accounts to their system allowing them to see my current account balances. Instead of addressing this issue, my mortgage application was denied today, XX/XX/2021, on the basis of having insufficient assets although I have more than enough assets to qualify for the mortgage I applied for. It is illegal for them to exclude my assets on this basis.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America has been abusive in a hold on funds of {$3500.00}. from XXXXXXXX XXXX Draft from Business Checking ending in {$6300.00}, which were swiftly collected from XXXX after Bank of America ATM deposit on XX/XX/XXXX. 

The funds did not credit to the Bank of America Personal Checking account ending in XXXX, for XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX. The Branch has contended that they do not have the funds and that the Clearing House that they use has put a hold on the money and they are powerless to do anything about it. 

Meanwhile, today is 8th day, and they can not do anything to help me, even though I have a high rated Checking Account since XXXX ( XXXX XXXX ) with no history of overdrafts or fraud. 

Bank of America Branch, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX. 

XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, CA XXXX. 
Phone : 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 2021-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am an attorney first licensed to practice law in California on XX/XX/XXXX. 

On XX/XX/XXXX, I opened multiple bank accounts with Citibank, including a personal checking account ( Citigold which is now CitiPriority ), a money market account, a business checking account ( CitiBusiness ), and an attorney trust account ( CE CONTROL IOLTA ). All accounts were opened with the assistance of Citibank account officer XXXX XXXX at my local Citibank branch : Citibank, XXXX XXXX XXXX, XXXX XXXX, California XXXX. 

Before and at the time I opened my accounts, I was promised ( a ) by Citibank account officer XXXX XXXX and ( b ) by the Citibank web page titled " Business Solutions for Legal Professionals '' that I would receive " No monthly maintenance fees on CitiEscrow or standalone IXXXX  ... Waived monthly service fee on a checking account ... No monthly maintenance fee on business checking account ''. The " Business Solutions for Legal Professionals '' web page can be accessed on Citibank 's web site by visiting this online address : XXXX XXXX XXXX XXXX. This web page still exists and still makes the same no-fee representations and promises it made in XXXX. 

Citibank waived fees for my accounts ' first month. However, thereafter, Citibank has charged me {$30.00} per month as a monthly service fee on the checking account, despite their oral and written promises not to do so. 

I have had a checking account with Citibank for the past 61 months. I have been charged a monthly service fee of {$30.00} per month for the past 60 months ( because the fee was not charged the first month ). {$30.00} per month x 60 months = {$1800.00}. 

Citibank must be required to ( a ) honor its repeated promises to me, representations to me, and continuous advertising of " Waived monthly service fee on a checking account '' by repaying me the {$1800.00} it has taken from me and ( b ) never charge me another monthly service fee on my checking account ever again. Citibank 's dishonesty, false advertising, and unfair business practices must be corrected. 

NOTE : If necessary, I can provide all bank statements since account opening that reflect the monthly service fees.

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 2021-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: CA

Complaint narrative:
So i called Professional Bureau of Collections of maryland and tried to see if we could settle an over due account. I spoke to XXXX XXXX at ext XXXX and then asked to speak to her manager, XXXX XXXX. she not only handled her job unprofessional and was disgustingly rude, she also prior to end of call on purposely hung up on me. 
I called back in to file a formal complaint against her and was transferred to XXXX XXXX and he was and claimed to be operations manager for the company. I spoke to him and tried to settle and work with the company to settle an old account. I reported my situation to him which he stated he couldnt speak on because he " didnt know of what happened. '' we could not get to settle anything and feel that this company has some beyond rude managers and have no respect for XXXX veterans! 
my outcome is that I would like the company to accept my settle amount for the inconvenient actions that the " manager '' XXXX XXXX took, by deliberately hanging up on me. i also would like a phone call back with an apology for her unprofessionalism!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On the 3rd week of XXXX, I sent a letter to the bureaus disputing errors on my credit report and have not received any response within 30 days which is stated in the FCRA. I sent them another letter on the XXXX of XXXX to complain about it and still up to this date they ignore my dispute. This highly affects my scores and opportunities and it is against my rights to have them report inaccurate information on my credit report, and not responding to my disputed within the time stated by the LAW. Legal actions will be taken if this was not resolved as soon as possible.

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 2021-03-25 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: GA

Complaint narrative:
On the 3rd week of XXXX, I sent a letter to the bureaus disputing errors on my credit report and have not received any response within 30 days which is stated in the FCRA. I sent them another letter on the XXXX of XXXX to complain about it and still up to this date they ignore my dispute. This highly affects my scores and opportunities and it is against my rights to have them report inaccurate information on my credit report, and not responding to my disputed within the time stated by the LAW. Legal actions will be taken if this was not resolved as soon as possible.

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 2021-03-25 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Experian allowed someone to create a fraudulent account on their website using my identity information and a fraudulent email address. Apparently, that account had been active for a number of years. 

When, by chance, I discovered the breach a little over a month ago, I called Experians customer service and they put an immediate alert and a credit freeze on my credit file and locked all access to the website.

I was able to submit the necessary paperwork to Experians Fraud group through their online upload to enable them to reinstate me as the rightful owner of my credit file. I then discovered that my website access was still locked.

Although Experians " Fraud '' group had the necessary paperwork to correct the ownership issue, their Online group was not permitted access to that paperwork and I was forced to submit that same paperwork again, this time, by postal mail.

So, I submitted the paperwork to the Online group through certified mail. It has been close to three weeks since they received the paperwork and I have yet to be contacted by their online customer service as I requested.

I requested that they contact me because of the impossibility of reaching a customer service representative through their phone answering or email systems. Apparently, there are no actual human beings at Experian -- only PBXs and mail servers.

I have tried every possible means that I could find via phone or email to reach a real live customer service representative but I have yet to have any success. I have been working at this for close to three weeks and absolutely nothing.

Experian has received my identity verification and contact information twice and yet I can not get the website lock removed simply because I am unable to penetrate their security barriers to speak with a human being who can actually help me.

This problem is of Experians own making. They enabled a fraudulent breach of my credit file and now they are making it impossible for me to fully correct the problem due to their own draconian contact security structure. Its just simply amazing

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 2021-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Bankers  keep putting in charges incorrectly. Im no banker but seems money order charges go under a different fee schedule then with drawls. Attached is evidence of a banker named XXXX who sold me a money order and labeled the fee as a withdrawal. I never signed the withdraw form so Im interested to see if she took XXXX $ from my account anyways. They are blocking me from using my online portal. When I asked for the fee to be waived XXXX lied to her manager stating she asked me to take off my sunglasses and I refused. This is not true. Several of the bankers will make up lies like this to make it look like your being difficult. I was happy to take my glasses off. Nothing to hide. The manager was then rude to me. I notified her of the bank misreporting my funds and she acted like I was trying to get a free money order. 

I explained to her that if I cant trust the bank with my money I needed free money orders to pay my bill. She did not care at all that I reported loss money in my account. One of the rudest woman that doesnt deserve to manage a bank! So she set me up with an appointment to work with XXXX at XXXX on Monday. XXXXll be interested to see if theres an actual XXXX by the way I was treated by rude manager!

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 2021-03-25 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: PNC Bank N.A.
State: PA

Complaint narrative:
I disputed 2 secure prepaid cards and my credit score dropped 30 points for 1 of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I recently saw on my credit report that my credit card is reporting 30 days late in XX/XX/2021 and 60 days late in XX/XX/2021. I am on a special COVID repayment plan with Capital One and was told they would not report me as late!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I began disputing a charge-off that I don't believe to be accurate as well as a collection that is being wrongfully reported. After the bureaus didn't respond to my dispute request, I sent another dispute on XX/XX/XXXX. But again, the bureaus have not responded and it's now been 4 months of this!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: CA

Complaint narrative:
On XX/XX/XXXX I began disputing a charge-off that I don't believe to be accurate as well as a collection that is being wrongfully reported. After the bureaus didn't respond to my dispute request, I sent another dispute on XX/XX/XXXX. But again, the bureaus have not responded and it's now been 4 months of this!

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 2021-03-25 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: Early Warning Services, LLC
State: NY

Complaint narrative:
There is a fraudulent bank account that is reporting on my EWS and XXXX XXXXeports. I have viewed my reports and I have never opened this fraudulent account. This account has destroyed my ability to create relationships with new banks and is hurting me in ways unimaginable. It is extremely unfair that I have to deal with this when the fault is not my own. As a consumer reporting agency, you too fall under the laws of the Fair Credit Reporting Act. I am enacting my consumer rights by disputing this fraudulent information. According to section 605 B of the Fair credit reporting act, this account must be removed from my consumer report immediately. Failure to comply will be seen as an illegal act under FEDERAL LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Date is XX/XX/2019. This Forever 21 account was a {$15.00} charge that the company billed us double. We paid the amount owing in a timely fashion and they indicated it would be fixed. They never notified us to let us know the account was not corrected. They also never took the proper measures to let us know that they were reporting me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Navy Federal Credit Union suspended my account from receiving debit cards today, XX/XX/2021. I would see a reason if my claims were illegitimate, but not giving me a card all of a sudden is illegal and unfair without warning or providing some documentation as to what I did wrong. I requested an executive escalation to force you to provide a reason as to why they decided to discriminate against me, today, XX/XX/2021. This is just plain unfair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation