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: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I moved out of my apartment at XXXX at XXXX XXXX in 2016. I made all final payments and the management company at the time, XXXX XXXX, claimed that I owed move out fees and costs. The management company then entered a judgement against me in the amount of {$4300.00}. I appeared in court on XX/XX/2016 and the plaintiff 's claim for rent and fees, was dismissed. This debt was then sold to the collection agency, XXXX XXXX XXXX. XXXX XXXX XXXX has been reporting this debt on all XXXX of my credit reports, since XX/XX/2016, after the case was dismissed. I attempted to dispute this inaccurate debt, with all 3 credit bureaus and the collection agency. All parties claim to have verified this debt as accurate and continue to report this untrue debt. I called XXXX XXXX XXXX and was told by a very rude rep named XXXX, that my case dismissal was only to stop an active eviction. I advised the rep that I was never evicted and this case has been dismissed in 2016 under the court of law. The rep then told me that I in fact owed this debt, without even providing proper proof of said debt. In addition, to me not legally owing this debt - there are several reporting errors found, such as date opened and date of last activity, just to name a few. I am demanding a PROPER and COMPLETE 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: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST CITIZENS BANCSHARES, INC.
State: FL

Complaint narrative:
Hello, I opened an account with First Citizens Bank through a promotional offer that was advertised to me. The promotional offer was : Earn {$300.00} when you open a Free checking account bundle and complete the following requirements : 1 ) Establish a direct deposit of at least {$1000.00} per month OR make 10 debit card transactions within 90 days of account opening. 2 ) Enroll in eStatements. 3 ) Open a new savings account. 

I opened the account on XX/XX/2020. I enrolled in eStatements, and opened a new savings account at the same time. I completed the 10 debit card transactions on XX/XX/2020, which was within 90 days of account opening. 

Per the terms of the bonus, the bonus should be paid within 120 days of completing the requirements, which I completed on XX/XX/2020. It has now been 120 days and there is still no {$300.00} bonus to my account. 

Thank you for your help! 

XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Receivables Performance Management, LLC
State: OH

Complaint narrative:
XX/XX/XXXX XXXX unknown ( private number ) V.m left stating her name is XXXX XXXX an a case has been presented to her for my location and gives me a case number, then preseeds to say my legal right has been forfeited an she will contact previous employers/addresses. Numer to call back was XXXX ) XXXX. 

Called again XX/XX/2020 and left same message. 

XXXX XXXX letter coming in mail from undeliverable address only -XXXX , MI ( which is RPM LLC )

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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Trans Union Has old and outdated info on my report. I can not call them as they do NOT answer telephone. I want my CREDIT REPORT UPDATED ... .. 2x I have requested.

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 — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Consumer Asset Management (Texas)
State: OH

Complaint narrative:
keep getting phones calls and they change numbers all the time,. XXXX, this is not a solicitation call this is the final attempt to offer you an opportunity to prevent court filing a tax you name if you like to speak to one of representative to discuss your case please call. 

please make them stop, call all the time and call family and work. and tell them about it. I am stressing about this and it is embossing. Said I owe XXXX XXXX money and I called them and i do not.

Company response to consumer: Untimely response
Consumer complaint received 2020-08-17 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated
State: PA

Complaint narrative:
Eppicard denied a dispute in the amount of {$7300.00} on my account without telling me the reason. My account was hacked on XX/XX/2020. I received an email notification at XXXX on XX/XX/2020 that my pin had been changed. I called to check the status of this alert and discovered my debit card had been fraudulently used to withdraw {$7300.00} from six different transactions in Maryland. I called Eppi Customer Service around XXXX to report this suspicious activity and close my debit card. I have not used my debit card since XX/XX/XXXX ( XXXX ) at XXXX XXXX. My PA Eppi debit card was in my wallet the entire time during these fraudulent withdrawals and still in my possession. 

I immediately opened a police report on XX/XX/2020 with the Police Department reporting the theft of my money. 


In my Eppicard Agreement it states : Your Liability. Tell us AT ONCE if you believe your Card or PIN has been lost or stolen or your PIN has been compromised or you believe a transaction has been made without your permission using information from your Card account. Contacting us by telephone at the number listed on the back of your card, is the best way to minimize your possible losses. Or write us at Customer Account Services, XXXX. XXXX XXXX, XXXX XXXX, Texas XXXX as soon as you can. You could lose all the money in your Card account. If you tell us within two ( 2 ) business days, after you learn of the loss or theft of your Card or PIN you can lose no more than {$50.00} if someone used your Card or PIN without your permission. If you do not tell us within two ( 2 ) business days after you learn of the loss or theft of your Card or PIN, and we can prove that we could have stopped someone from using your Card or PIN without your permission if you had told us, you could lose as much as {$500.00}. 

My card was compromised on XX/XX/2020 and I called the Customer Service the same day XX/XX/2020 to report my card being used fraudulently and my card was closed and another issued. I also opened a police report on XX/XX/2020 reporting this theft. 


Also, there is a daily limit of {$500.00} but somehow someone was able to take {$7000.00} in two hours. 

This is really looking like an inside job and a disgrace that government agencies are trusting Eppicard/XXXX XXXX.

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: Bay Equity LLC
State: CT

Complaint narrative:
I signed closing paperwork to refinance my mortgage on XX/XX/2020 with my first payment being due on XX/XX/2020 through Bay Equity LLC. ON XX/XX/2020 I mailed out my first payment with coupon that was in my closing paperwork to the Bay Equity address listed. The check cleared my bank account on XX/XX/2020 in the amount of {$2200.00}. On XX/XX/2020 I received a statement from XXXX XXXX saying they now service my loan and first payment is due. I called XXXX and was told no payment from Bay Equity was ever forwarded to them. I then received a letter on XX/XX/2020 from Bay Equity dated XX/XX/2020 and postmarked XX/XX/2020 stating the loan will now be serviced through XXXX. I called the number immediately and spoke to XXXX XXXX ( Bay Equity ) at XXXX EST and told there was no payment showing in their system and he wouls look into and get back to me in the am. I then left voice mail for XXXX the next day XXXX XX/XX/2020 XXXX at XXXX XXXX with no call back. On XX/XX/2020 at XXXX ESTI finally reached XXXX and told no check was ever received per the accounting department. XXXX also informed me that his manager would look into and for me to email a copy of canceled check which I complied immediately after conversation. I then contacted XXXX XXXX from my local Bay Equity via email ( XXXX ) who is also looking into lost payment. Then on XX/XX/2020 at XXXX XXXX finally responded back to me and said " Yes the funds have been located and I am working with management to have these funds wired to your new servicer before the end of the day ''. As of today XX/XX/2020 XXXX EST funds still have not showed up in new account. I had to make another payment on XX/XX/2020 for {$2200.00} in order not to go in default since the grace period was over on XXXX. 
I can forward all emails if needed. 

Thank you, XXXX XXXX

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 is missing that should be on the report
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting stolen and is see a list of derogatory items that are not mine including bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and his information on my report is very incorrect. CHAPTERXXXXBANKRUPTCYDISMISSED XXXX CHAPTERXXXXBANKRUPTCYDISMISSED XXXX XXXX   XXXX {$8000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: MN

Complaint narrative:
I contacted XXXX about incorrect information on my credit report and they have not answered. They are still reporting incorrect information.

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:
While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. XXXX XXXX {$2600.00} XXXX XXXX {$120.00}

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 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:
While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. XXXX XXXX {$2600.00} XXXX XXXX {$120.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 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: CITIBANK, N.A.
State: WA

Complaint narrative:
I received an email stated that my credit card account was closed by the Citi Bank due to inactivity on XX/XX/XXXX. The last time I used my Citi credit card was in XXXX XXXX, CA, on XX/XX/XXXX, which is shorter than the 24 months time frame they defined as " inactivity ''. I then started to contacted Citi Bank on XXXX, one day between XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, a total of 8 times, to request to reopen my account due to the incorrect accusation on inactivity and to place the dispute that Citi Bank did not report my credit history at all ( XXXX ) to the Credit Reporting Bureau ( XX/XX/XXXX ) , which was one of the reason that they declined my previous request to reopen my credit cad account as they stated that I had no enough credit history ( Of course, because Citi Bank did not automatically report any of my  credit card activities to the Bureau as they should have ) . All of these requests and interactions were documented on their internal portal as well. However, as of today, the manager at Citi Bank still told me that they can not reopen my credit card account because Citi Bank has made the decision not to do so. I was told that, despite the status of my credit card was not in inactivity as they originally stated, Citi Bank has the right to close my credit account but no valid reason was given to me to explain about this result. My closed credit card account will be shown on my credit report as a negative record for 10 years until XXXX and I lost the access to my Citi credit card. It harms my credit score and the eligibility of my chance to get approval for credit cards in the near future.

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 status incorrect
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Wayfair/Comenity Bank is reporting 3 missed payments. This is incorrect. I have made all my payments and have paid extra. 

They are reporting XXXX, XXXX & XXXX as missed to all three credit companies. Plus I thought that during a Covid 19 they were not allowed to report anything bad on your credit anyway so the one in XXXX is breaking the law as well. 

I made a {$100.00} payment in XXXX, a {$65.00} payment in XXXX, {$74.00} payment in XXXX & {$37.00} in XXXX. That is a total amount of {$270.00} dollars. at my min payment of {$37.00} a month I have overpaid this year so far {$17.00} dollars.

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: PA

Complaint narrative:
I moved out of my apartment at XXXX XXXX XXXX XXXX in  2016. I made all final payments and the management company at the time, XXXX XXXX, claimed that I owed move out fees and costs. The management company then entered a judgement against me in the amount of {$4300.00}. I appeared in court on XX/XX/2016 and the plaintiff 's claim for rent and fees, was dismissed. This debt was then sold to the collection agency, XXXX XXXX XXXX. XXXX XXXX XXXX has been reporting this debt on all 3 of my credit reports, since XX/XX/2016, after the case was dismissed. I attempted to dispute this inaccurate debt, with all 3 credit bureaus and the collection agency. All parties claim to have verified this debt as accurate and continue to report this untrue debt. I called XXXX XXXX XXXX and was told by a very rude rep named XXXX, that my case dismissal was only to stop an active eviction. I advised the rep that I was never evicted and this case has been dismissed in 2016 under the court of law. The rep then told me that I in fact owed this debt, without even providing proper proof of said debt. In addition, to me not legally owing this debt - there are several reporting errors found, such as date opened and date of last activity, just to name a few. I am demanding a PROPER and COMPLETE investigation.

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 — You told them to stop contacting you, but they keep trying
Company: Harris & Harris, Ltd.
State: MD

Complaint narrative:
I received a phone call saying that I owed a debt. I wrote to the company requesting written documentation of the items in question. I also wrote to them and asked the not to contact me by phone but only by mail. I used the CFPB template letters for these purposes. 

I continue to receive daily calls and i have yet to receive any written documention as to any alleged debt.

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 is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting stolen and is see a list of derogatory items that are not mine including bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and his information on my report is very incorrect. CHAPTERXXXXBANKRUPTCYDISMISSED XXXX   CHAPTERXXXXBANKRUPTCYDISMISSED XXXX XXXX   XXXX {$8000.00}

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

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting stolen and is see a list of derogatory items that are not mine including bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and his information on my report is very incorrect. CHAPTERXXXXBANKRUPTCYDISMISSED XXXX CHAPTERXXXXBANKRUPTCYDISMISSED XXXX XXXX   XXXX {$8000.00}

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 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:
While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. XXXX XXXX {$2600.00} XXXX XXXX {$120.00}

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 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: AR

Complaint narrative:
My mom informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
On XX/XX/2020 - Loancare paid out of our escrow account - {$1000.00} to XXXX XXXX XXXX - we contacted them immediately, as this is NOT our insurance company, our insurance was NOT due and it was only {$510.00}. After many phone calls - they finally admitted that it was paid for a XXXX XXXX in XXXX XXXX, IA. 

A complete MISTAKE made by them! 

We were called on XX/XX/2020 and told it would be resolved within 7 days. On XX/XX/2020 - this was not fixed so we called to speak to a supervisor. She informed us that it was a mistake and they were working on it - but humans make mistakes. Then told me she would be in contact daily with updates. We received a call on XX/XX/2020. Nothing since and it has not been resolved! They are showing us with a negative escrow balance of {$730.00} and increased our monthly mortgage payment because of it! Our payment has gone from {$600.00} to now {$730.00}! As of today our escrow balance should not be negative but have a positive balance of {$340.00}!

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