vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-24 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: FL

Complaint narrative:
NOTICED ACCOUNTS DISPLAYING ON MY CONSUMER REPORT THAT ARE A VIOLATION TO MY RIGHTS AS A FEDERALLY PROTECTED CONSUMER. I DEMAND THESE ACCOUNTS REMOVED FROM MY CREDIT REPORT IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
To whom it may concern on XX/XX/2021 I received several alerts on my email that an inquiry was added to my consumer report. I have no knowledge of this inquiry. 
XXXX XXXX  XXXX : XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To whom it may concern on XX/XX/2021 I received several alerts on my email that an inquiry was added to my consumer report. I have no knowledge of this inquiry. 
XXXX XXXX  XXXX : XX/XX/2021.

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 2021-08-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capital One. 

Due to Covid last year, I was unable to make payments and they told me that it was OK to defer payments for a period of time. So I did and I got finacially back on my feet within the time frame they wanted. I began to pay the minimum payments and have been below my credit line. 

It has been restricted however, and I called them and they said it was permament?! What gives? Following what they told me to do and now not allowing my access?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: TN

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: PNC Bank N.A.
State: NJ

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. I has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
CITIZENS BANK - Continues to steel consumer money and trying to get away with sticking me the consumer with a collection agencies fine for an accounting error that they causes. This is related to CFPB complain - XXXX-XXXX that was closed without proper resolution. 

The letter we received from Citizens does not contain the correct account of what happened and we are still missing money. In XX/XX/XXXX, XXXX was paid out from our escrow account to the school district. The school district never received that payment and therefore we were turned into a collection agency. On XX/XX/XXXX, a personal check was sent to the collection agency for the amount of XXXX, which was XXXX in face tax and XXXX in penalties, costs, and commissions. That is XXXX of extra fees that never should have incurred because the original amount of XXXX was lost either by the school district or Citizens. On XX/XX/XXXX, we received a refund from Citizens in the amount of XXXX, with no explanation to why this wasn't covering the full amount we paid in XX/XX/XXXX of XXXX. I did not receive a letter from citizens until today XX/XX/XXXX in the mail, which has incorrect information as I stated above. We are missing XXXX in reimbursement from the personal check we sent in XX/XX/XXXX. In addition, we need to be refunded XXXX for the penalties that we paid for late taxes because either Citizens or the school district lost the original payment. Citizens customer service on this matter have been sorely lacking. We have been dealing with this issue since XX/XX/XXXX and everytime we spoke to someone, we were told XXXX thing only for citizens to do something else. We should have never had to pay the tax collection agency as we had been in contact with citizens for the prior 2 months, trying to explain that we had a bill. 

Documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

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 2021-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: REGIONS FINANCIAL CORPORATION
State: AR

Complaint narrative:
On XXXX I had received an email from Regions that my account had been accessed from another device. I called XXXX the next day and was told I would need to go to a branch with my identification ( I waited on hold for one hour and 20 minutes ). The next day, Tuesday XX/XX/XXXX I went to the XXXX branch and asked for help by the branch manager. She said she was expecting someone and to have a seat and XXXX XXXX would help me shortly. After XXXX got off the phone I asked her if she could help me, she said sit down, I told her I would rather stand due to back problems. She then said very loudly, well if you want the whole branch to hear your information then go ahead. I walked out at that point. I tried calling the branch back and she answered and said if you are waiting on an apology thats not going to happen. I tried talking but she kept yelling. I hung up. Three days later I received a letter from that branch that they were closing my account in 2 weeks! I called and left messages but nothing! Something needs to be done about the rude employee at Regions Bank on XXXX XXXX in XXXX XXXX, AR.

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 2021-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
On XXXX XXXX Id have disputed this creditor before and it was removed ( deleted ) from my XXXX. Now they put it back on my credit months later

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-24 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: GA

Complaint narrative:
An utility account with XXXX was fraudulently opened in my name in XXXX of XXXX. At the time, I was enrolled in credit monitoring services and contacted XXXX immediately. XXXX verified my social security number was attached to an order scheduled for an installment in XXXX. I was not a customer or a resident of PA at any time, nor had I provided my information for the purposes of obtaining credit to anyone. XXXX canceled the installation delivery, but refused to provide details of the name on the order. In XXXX of XXXX, they sent me to collections for {$750.00}. I have called XXXX several times about this matter and have disputed this with the credit bureaus. TransUnion states the account meets its requirements.

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 2021-08-24 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: PA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: TN

Complaint narrative:
Back in XXXX, I noticed on my TransUnion consumer report that they were illegally reporting a bankruptcy on my profile. I reached out to the U.S. bankruptcy court and they shared that they did not give information to credit reporting companies. So, on XX/XX/XXXX I sent TransUnion my first letter asking them to permanently delete this information from my credit profile as this was a Fair Credit Reporting Act violation. 

TransUnion responded with a letter dated XX/XX/2021 saying that they " verified '' the information as accurate and that need more documented proof for the investigation. I then sent the U.S. bankruptcy court a letter asking them to present any information they gave the credit reporting agencies to " verify '' my identity without my permission. They responded with a letter stating that they do not provide any information to third party companies ( attached below ), so it is impossible for TransUnion to properly " verify '' anything. This is also a violation of 15 USC 1681b1 ( 2 ). 

On XX/XX/2021 I sent a second letter to TransUnion showing them proof that the U.S. bankruptcy court did not verify any information with them, so TransUnion is illegally obtaining my private information without my consent. They then responded on XX/XX/XXXX, stating that this information is verified as accurate again. This is a pure violation of my consumer rights. I did not and still do not consent for TransUnion to use the E-Oscar system to " verify '' information, which is what they are doing.

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 2021-08-24 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

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 2021-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: SD

Complaint narrative:
Monday morning XX/XX/XXXX, I changed my password to access my accounts online. There was a fraud alert placed on my account and they locked me out of it. I was told that it would take 24 hours to determine if there was fraud or not. I asked to speak to a supervisor as I'm running a business and need to access my accounts. A supervisor hung up on me after being extremely pissy. Called back and asked how they were going to determine if it was fraud or not if they didn't call me, text me or email me. They said they didn't know and had no way of getting in touch with the fraud department except by email. I was promised that a supervisor would work on it and that someone would call me. Tuesday morning, XX/XX/XXXX, I called again, no notes were on my account, the account was still locked and no one still knows what's going on.

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 2021-08-24 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. I has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: DISCOVER BANK
State: NJ

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. I has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: NAVY FEDERAL CREDIT UNION
State: MA

Complaint narrative:
I purchased a treadmill from XXXX XXXX XXXX on XX/XX/2020. The cost of the item was XXXX. When I received the treadmill it was damaged. I tried to return it and reported the issue the first day it arrived. On the website the company lists that there is a 30 day guarantee return policy. I attempted to return the product for an entire year and for some reason my return was never accepted and even when I disputed the transaction I lost the dispute. When I asked why, I was told by my bank that the information about the 30 day return policy was a new discovery but it was too late to dispute the purchase by the time it was discovered. Due to False Advertising and Poor Clerical Work I was robbed out of my money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: GA

Complaint narrative:
My name is XXXX XXXX I have starting back in XXXX send multiple documents to trans union about a bankruptcy case XXXX that was opened on XX/XX/XXXX and closed on XX/XX/XXXX Transunion states that they get there information from XXXX I then contacted XXXX XX/XX/XXXX who did an investigation and found the information to be in error, I have tried with XXXX and credit pros to assist in getting the erroneous information removed and as of the documents sent to Transunion and received by them on XX/XX/XXXX still refusing to remove information even though the date of birth and year of birth doesnt match mine. I contacted a supervisor with Transunion who once again said it was a third party, when pressed on the issues as who I was once again told XXXX. I then on XX/XX/XXXX contacted XXXX who stated they are not providing this information and my records with them are clear. My understanding that if ANY of the information being given is erroneous it MUST be removed. Transunion seems to think this does not pertain to them or how they obtain there finding. Also when asked how this information is being given to them they only say a third party and have not disclosed it in writing which still violates my rights as a consumer. I am asking that Transunion be held accountable for the violation of my consumer rights and not conforming to the fare credit act and remove and update my information immediately.

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 2021-08-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
I was completely in the dark about why my loan forgiveness was denied multiple times. I spoke to numerous customer service reps at Navient who kept telling me something about a loan before XX/XX/XXXXwas consolidated and not paid off. I was never told by any reps of the steps that I needed to do to be able to receive loan forgiveness. I was never told not to consolidate the loan from before XX/XX/XXXXin order to qualify for the forgiveness. Now, over XXXX payments later, I found out that I had to move my loans to another servicer and start from payment number 1 again. Navient told me nothing! They made an insane amount of money off of me which cost me another 10 years of my life paying off loans that should have already been forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: TX

Complaint narrative:
Ive disputed these accounts with Equifax and they have yet to be deleted. They are not my accounts and there is no proof with my signatures

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My name is XXXX XXXX. I used to have a Chase bank account which was closed by Chase with without providing any reason. To be honest I was in a bad marriage where I found that my wife was hiding a drug addiction and I believe she was writing bad checks in my name. Chase never took money from my account actually they sent me a check when they closed the account for the amount I had in the bank at the time. Its been several years I am no longer with my wife ... I have worked extremely hard to clear up all the damage she did and raised my credit score from a low XXXX to being in or near the XXXX now. I tried to open an account again with Chase as it is just convenient as their locations are everywhere. Everything went through and I actually received the debit card a week later. They then again closed the account. I went to the bank and contacted their customer service and they told me that I am permanently banned. I explained the whole situation and said if there is anything that can be done to fix my name with their bank. They told me I do not owe any money but there was nothing that can be done I am just banned for life. No reason as to what was done using my name that I did not even do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: Flagstar Bank, N.A.
State: LA

Complaint narrative:
I was trying to refinance and I had to get off of forbearance so I can close. Flagstar bank put a negative credit on the credit report so I couldnt close. I have to get on forbearance do too COVID-19. I have a attachment stating what they did. Thanks, 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 2021-08-24 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: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I have a late payment on my credit report that is showing after multiple years.

Company response to consumer: Closed with explanation