vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The credit bureaus are reporting inaccurate information on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The credit bureaus are reporting inaccurate information on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: First National Collection Bureau, Inc.

Complaint narrative:
company called after XXXX which violates FDCPA & they sent a text message ( I have snapshots with the time they sent the text message they sent me )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The credit bureau 's are reporting inaccurate items on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
this is the never ending saga with santander consumer usa ' i now want a full copy of the recorded hone calls they say they have from previous complaints the laws says that if im recorded i have a right to have copies i am formally requesting them i am going thru the cfpb because dealing with santander has been nothing but and outright nightmare thats why they settled a car loan class action lawsuit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ATLANTIC BAY MORTGAGE GROUP LLC
State: NC

Complaint narrative:
Atlantic Bay is breaking the law by making their website inaccessible to me and continuing to charge me PMI even though I asserted my right under law to have the PMI removed, and Atlantic Bay is legally required to do so since I have perfect payment history and my property has appreciated in value. As a person of XXXX is a historically disadvantaged part of town, I hope Atlantic Bay is not engaging in redlining.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST CITIZENS BANCSHARES, INC.
State: CA

Complaint narrative:
First Citizens bank ran a promotion back in XX/XX/XXXX for new customers to qualify for a {$300.00} bonus upon meeting certain requirements detailed below Earn {$300.00} when you open a Free checking account bundle and complete the following requirements : - Establish a direct deposit of at least {$1000.00} per month or make 10 debit card transactions within 90 days of account opening - Enroll in eStatements - Open a new savings account I opened both checking and a savings account with them on XXXX XXXX and have met the requirements to qualify for the bonus by receiving deposits of {$1000.00} through direct deposit from my employer. After following up with the bank a few times about the bonus, they have not yet credited the bonus and denied it. 

I am entitled to receiving the bonus based on the terms listed and need your help in this regard.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: COLLECTIONS UNLIMITED OF TEXAS INC
State: TX

Complaint narrative:
Collections Unlimited has reported a collection account to my XXXX   credit file. I do not owe this alleged debt. If Collections Unlimited has the right to collect this debt in accordance with the FDCPA I am asking for validation of this account via contractual documents stating and proving that I agreed to and that I am responsiblefor this account. Collections Unlimitedhas no legal right to attempt to collect a debt. Collections Unlimited has not validated this debt nor sent me a notice of collection. Collections Unlimited is in violation of the FCRA and the FCDPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Equifax continues to report fraudulent information on my credit report. Upon talking to XXXX supervisor XXXX  XXXX officer of consumer, I explained the original creditor XXXX XXXX XXXX was reporting two different amounts, on two different credit reports for the same services, but using false information as the original creditor, which was XXXX and XXXX XXXX XXXX, XXXX. They also used two different amounts for the same services, which was removed from my XXXX and XXXX report. Since the disputes have been removed from those two reports, they have recently sold the account again to XXXX XXXX, which they decided not to follow through with the account. Documentation and proof of false information being reported by XXXX XXXX XXXX and XXXX XXXX XXXX has been attached. XXXX XXXX also violated my HIPAA rights by providing XXXX XXXX XXXX an itemized bill with personal information on there with services that were not provided to me ( which is attached ). XXXX XXXX XXXX were not able to provide me a HIPAA release that released my medical information to them. The itemized bill listed fraudulent services.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC
State: WA

Complaint narrative:
We have been in the process of refinancing our mortgage since XXXX. Part of this process involved obtaining a payoff statement from Loancare. It took several attempts to contact customer service, and nearly two weeks, but the first time I requested one, they did eventually provide one. They claimed the delay was because they didn't know how to calculate the payoff balance for our second mortgage because the interest rate is 0 %. 

The paperwork from the bank we're refinancing with ended up taking a little longer than expected to process, so we need to obtain a new payoff statement with a later payoff date. I electronically submitted a request to Loancare via their own website around XX/XX/XXXX for an updated payoff statement. On XX/XX/XXXX I received an email stating that my request had been received and forwarded to " the team of specialists experienced in resolving your issue. '' I have heard nothing from them since then, and have been hung up on by their customer service phone number several times. 

Our escrow and mortgage agents working on the refinancing process have also contacted Loancare to request the payoff statement, as it is the only thing we need to finalize our refinance, and their requests have been ignored as well. Our mortgage agent told me she's never seen anything like this. 

It is my belief that Loancare is deliberately refusing to provide a payoff statement so they can continue to collect interest from us at a rate significantly higher than the one we are refinancing to. This is costing us a significant amount of extra money every month in interest, potentially tens of thousands of dollars over the remainder of the mortgage.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On ( XX/XX/2020 ) I wrote to XXXX, XXXX and Equifax about inaccurate accounts on my credit report and still haven't received any investigation results back. Today XX/XX/2020 makes a full 30 days and from what I know they have 30 days to do an investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On ( XX/XX/2020 ) I wrote to Experian, XXXX and XXXX about inaccurate accounts on my credit report and still haven't received any investigation results back. Today XX/XX/2020 makes a full 30 days and from what I know they have 30 days to do an investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The credit bureau 's are reporting inaccurate items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The credit bureau 's are reporting inaccurate items on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1200.00} I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OTHER ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/2011 with a balance of {$1200.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: VT

Complaint narrative:
XX/XX/XXXX I went into Citizens Bank to close out an account of my dead mothers I was on. I asked to close it out and transfer whatever money was in there to my personal account with Citizens Bank, I was told it was {$580.00}. I was given the {$500.00} line of credit associated with that account on accident rather than just the money that I was owed. I realized a couple weeks later and called to try and sort it out but was told they couldn't help and I would have to go into the branch even though we were on stay at home orders. On XX/XX/XXXX, I called the debt branch of Citizens Bank and talked to them. I was told I owed the {$500.00} as I should never have received it and if I paid it then, they would waive the fees. I paid over the phone {$500.00} and was told the account would be closed this time. XXXX XX/XX/XXXX I requested a credit report and saw that I had a negative from Citizens Bank. I immediately looked on the app and it says the account is a zero balance. I then called to try and sort it out. I first spoke to XXXX about it and she connected us with XXXX. They informed me the XX/XX/XXXX person gave me the wrong amount owed and that I had to pay them more money to close out the account. The reception was so poor that I was struggling to understand what they said and I kept being put on hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
CFPB Case # XXXX was successfully resolved in my favor over three months ago, but the incompetent XXXX at Trans Union continue to report the inaccurate outdated information that is no longer in dispute. 

They tell me that it's been updated in their system, but I've now received FOUR reports from them that continue to reflect the inaccurate information, listing that I had a high balance of {$14000.00} from " XX/XX/2020 to XX/XX/2020 '' when the actual creditor, XXXX XXXX XXXX, has clearly and correctly updated that amount to {$0.00}, as indicated in their response to me in the above referenced report. 

I have also attached three of those four reports documenting this inaccuracy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To whom it may concern, I have made multiple attempts to reach out toTransunion to dispute several accounts that are inaccurate and unverifiable. I've attached the dispute letter which has received no response for over 60 days. Due to this delay and neglect, Transunion has failed to follow federal laws as outlined by the FCRA. These negative accounts have caused me much personal grief and I have attached my demand to comply letter which has also been ignored. I have proof of my letters being delivered on time through USPS certified mail. There is absolutely no valid excuse as to why Transunion has refused to respond. I would appreciate your help in resolving this issue and making Transunion comply with the federal laws made to protect consumers such as myself. 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 2020-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
I currently have a legal team working with me to improve my credit standing. LVNV Funding LLC has placed negative, uncharacteristic remarks on my credit reports which is affecting my financial goals. The XXXX XXXX Account is on a regular payment plan and pursuance of this credit card debt is being handled by local law office here in AZ. The payments to clear this outstanding debt are consistent and in good standing. My team of paralegals have sent an escalation regarding negative reporting to the bureaus and I received a letter on XX/XX/2020 from LVNV Funding LLC/ Resurgent Capital Services stating they will not investigate the dispute as it is frivolous and irrelevant. There clearly is no integrity involved and this company will dismiss your right to dispute the information on the credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax has refused to comply with my request to unfreeze my credit in online, phone, and mail contact. I am unable to login to my online myEquifax account and upon further contact with customer service via phone they told me that they can not help me with my account until I verify my identity. When I ask how I can verify my identity over phone they tell me I must login to my online account and answer the online automated security questions. 

When I reiterate that my inability to login to my account to is the nature of my call to begin with, they reply that they are sorry and this is the only means of authentication they permit. If I needed to continue my request to unfreeze I must mail them with outlined identification documents. I have had this call with three separate representatives to confirm that this is not just miscommunication. 

I then mailed them with photocopies of my California driver 's license, Social Security Card, and written letter formally requesting my credit unfreeze. They then sent me back a letter saying that I did not submit them the proper documents and that they can not unfreeze my credit. I am out of options, patience, and sanity. I will try to send them the documents again via mail with a transmittal of documents via registered letter. 

Please look into this I believe that this is a deliberate obfuscation of essential financial services and it is actively preventing me from purchasing a home. Also I would like to highlight that both XXXX   and XXXX allowed to unfreeze my credit same-day in under five minutes online.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I dispute and requesting the Experian credit bureau permanently delete the collection account for XXXX since it was over 7 years old and because information is being reported by collection agency was illegal re-aging. 
I also submitted 3 copies of past due notices from original creditor that shows that first DOFD was in XX/XX/XXXX and up to XX/XX/XXXX, however credit bureau just would sent dispute to collection agency and leave comment that collection agency reported back it is accurate.. Clerk from Experian wants me to provide him my history payment statement from the date account was opened, which is impossible to get. I called collection agency and they wouldn't do it and the original creditor wouldn't give me any due to account is placed for collection.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: U.S. BANCORP
State: DC

Complaint narrative:
I got this card and it havent been credited .... I was told its an unemployment benefits card and after I got the card I wasnt credited with any benefits

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1200.00} I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OTHER ACCOUNT 1.  XXXX XXXX with ACCT # XXXX opened on XX/XX/2011 with a balance of {$1200.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 00:00:00
Product: Credit 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1200.00} I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OTHER ACCOUNT 1.  XXXX XXXX with ACCT # XXXX opened on XX/XX/2011 with a balance of {$1200.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: AFNI INC.
State: CA

Complaint narrative:
Harrassed me on multiple occasions during sleeping hours with no solid explanation of claim.

Company response to consumer: Closed with explanation