vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
After reviewing my credit report I noticed that an account with target cred/Td bank was added to my credit report I have never authorized a credit card to be opened with this company nor have a I have anyone permission to open an account. This account is fraudulent and I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: INVESTORS BANK
State: TX

Complaint narrative:
I opened a checking account with {$250.00} promotion bonus last year. In case, I confirmed the promotion details with customer service on XX/XX/20 and received response " The account is eligible for the {$250.00} reward and the conditions you confirmed are correct ''. So I just completed the monthly requirements but never received the bonus. Then I was told " The first month from you opening the account allows you to establish one of the conditions. So as long as you have the conditions on your account you will see the reward starting in XXXX '' from them. Surprisingly I didn't received the monthly reward In XXXX and received the response " We do apologize for the delay in following up on this situation. In completing further research, the account is not eligible for the reward due to the opening date. The account was opened on XX/XX/XXXX and we did not begin the promotion until XX/XX/XXXX. I could provide the screenshots to confirm I did see the promotion in XXXX last year but it never mentioned the period ( please see the link also https : //www.investorseaccess.com/Checking? utm_source=InvestorsBank & utm_medium=email & utm_campaign=eAccess % 20Checking % 20Launch # FAQs ). I confirmed twice with the promotion but they said I was not eligible for this bonus after completeing the requirements? It was actually a fraud and wasted my time and money during such a hard time. 

The promotion details : Bonus is up to {$250.00}, {$25.00} per month for 10 months. To be eligible to receive monthly bonus you must maintain a monthly average balance of {$1000.00} or more AND satisfy one ( 1 ) of the following transaction activity requirements : you have an ACH deposit ( s ) totaling {$500.00} or more during your statement cycle ; OR, you have Mobile Check Deposit ( s ) totaling {$500.00} or more during your statement cycle ; OR, complete 10 Point-of-Sale ( POS ) transactions during your statement cycle

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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: TX

Complaint narrative:
I have disputed several accounts that reports errors in my credit report with XXXX, Transunion and XXXX. All I want is for them to remove it completely from my credit report and establish my credit to have a better financial status. It has been seven months but they did nothing! I am very distressed and I hope you can help me to have them fix this issue. 

First Letter was XX/XX/2020 the second letter was on XX/XX/2020 the Third letter was XX/XX/2020 and the last letter was XX/XX/2020.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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: BYL Collection Services
State: TX

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 investigations results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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:
I have been trying to dispute the inaccuracies found on my credit report. I have made multiple attempts to have this incorrect and incomplete information removed in its entirety from my report by way of the bureaus and the original creditor. No one had responded, no investigation has been conducted, and nothing has been removed! From what i understand from FCRA regulations, by law they are required to respond. I have even tried to update my personal information and still no response. I will include all of the letters I have sent out by mail on the following dates : XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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:
Equifax has failed to respond to my numerous disputes in the time the FCRA requires, I demand these accounts be removed immediately as this is a violation of my consumer rights. I am attaching the previous letters sent to this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
Tried to purchase a XXXX  XXXX XXXX on XXXX. It was pad by PayPal. The purpose was {$96.00} then {$300.00} came out of her account. The credit card transaction was PayPal XXXX. PayPal said they have no record of this transaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MA

Complaint narrative:
I paid the balance of my home mortgage in XX/XX/2020 and have not received a satisfaction of mortgage letter from the lender, XXXX XXXX. I have phoned the lender numerous times starting in XX/XX/2020 and they continue to respond by stating they are placing the request for the letter but they will not allow me to speak with anyone from the department responsible for creating the satisfaction letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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: CITIBANK, N.A.
State: CA

Complaint narrative:
My credit score keeps going down due to accounts I do not have I called XXXX and Home Depot to fix the issue because I never opened accounts with them and it still shows that those accounts are delinquent these delinquent accounts are really affecting my credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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: Mountain Land Collections, Inc.
State: UT

Complaint narrative:
Mountain Land Collections is reporting a collection on my credit file that is inaccurate and must be removed. I recently checked my credit and noticed this debt reporting. I tried calling and nobody could give me any information about this debt. Well apparently it is medical debt. I never signed or gave Mountain Land Collections a HIPPA patient release form allowing them to report on this medical debt. That is a HIPPA violation and this is unlawful. This collection must be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem extending the lease
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CT

Complaint narrative:
Dear XXXX 
I have paid my monthly bill every month due to corona, doctors app. etc. 
I have not received from niissan statements, email or other ... ... ... ... 
I need this lease. Please help.They are not easy to work with, very short, just in for the money not the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/XXXX at XXXX I returned a call to an attorney named XXXX at XXXX and he stated he was being hired by a company called XXXX alleging they own Citii Bank and that they were trying to get ahold of me about a Vehicle repossession from XXXX. I informed him of the Texas Statute of Limitations on a car loan is 4 years and he said they will go after me for fraud instead. Then he ( XXXX ) informed me that they have gained permission from a federal court to freeze my bank account in 72 hours if I don't comply and told me even after everything is done I wouldn't be able to get another bank account for min 6 months and up to 2 years. I consulted my attorney and he said they are trying to bully me into paying a 12 year old debt and to report them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Bureaus, Inc.
State: TX

Complaint narrative:
THE BUREAUS have illegally purchased and reported and fraudulent account that was resulted from Identity Theft..They have failed to contact me as required by the FDCPA, They have also violated the FCBA and multiple other reporting violations by falsely reporting this account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I submitted complaint number XXXX. The company has never called me to resolve this, however when I called in they state they did everything correctly. That is just ridiculous as between XXXX and Nationstar they reported to the XXXX  that I received interest on my escrow account in the amount of {$64.00}, when in reality, Nationstar mis-stated the amount THEY paid by including what XXXX paid when the loan was transferred. I only made {$35.00} in interest. Now I must file my taxes for 2020 and the return will give the impression I received more interest income than I actually did. This is easy to understand, Nationstar is just too stupid to understand it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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 — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
After using other financial services online which would normally include access to my transunion report, my account is being blocked. I can not login to my own account, I can not review the information on my transunion report. There is nowhere that they respond when an email is sent to the credit reporting agency. I have no rights to my own credit report at all.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: TX

Complaint narrative:
On XX/XX/2020 i purchased a XXXX XXXX XXXX ticket to the value of {$1000.00}, and an extra {$280.00} through a 3rd party merchant called XXXX. Because of covid 19 the flights ended up being cancelled and we could not fly. XXXX XXXX will not offer refunds as the purchase was not done directly but through a 3rd party. XXXX has since stopped taking my calls regarding the refund. I have opened disputes with Discover but they keep putting the charges back as valid. I need my money back please assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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: Portfolio Recovery Associates, LLC
State: TX

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 investigations results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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: Southern Management Systems Inc.
State: TX

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 investigations results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
This complaint is about Synchrony Bank DBA PayPal Credit. This is the " line of credit you esteblish when you open a PayPal account. I have had a PayPal account since XXXX, and have ALWAYS made either payments on time or paid off the full amount each month. I recently ( around the middle of XXXX XXXX requested AND RECEIVED a credit line increase to {$4000.00}. At the end of XXXX, i had a security issue with one of the cards attached to paypal credit ( nothing to do with paypal ) and i deleted that card. I also paid XXXX of my account off with the XXXX payment and had intended to pay it off in XXXX. When i was doing my taxes, i tried to use paypal to pay intuit. got an error message. when i logged into PayPal credit, i fund that my account had been closed!!! no notice! I called and talked to the customer rep ( who could do nothing except quote company policy ) and actually talked to some " account " rep at Synchrony bank whio said the same thing ... company policy. Today ( XX/XX/XXXX ) i get a letter XXXX dated XX/XX/XXXX ) that gives this reason. " activity on account with Synchrony Bank indicative of high risk of failure to pay ''.!!!!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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: BYL Collection Services
State: TX

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. 30 days has now passed and no updates for my investigation results have been received by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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: LEXISNEXIS
State: OH

Complaint narrative:
I have had some issues with someone accessing my credit file and using my personal information and at this time I would like to request a credit freeze/ Block all access to my file and contact me directly at my phone XXXX or email me at XXXX. I need a PIN for all my credit reports asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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: VA

Complaint narrative:
I contacted XXXX Credit back in XXXX trying to explain to them that my Credit Builder account on my Experian was posting a Credit Limit and Credit Utilization in which they clearly stated on there website would not be reported. I also, have there advertised " Safer Credit Building '' feature turned on so it should never be a balance on my account. This is a prepaid Credit Card I can only spend what I put on the card so how do I have a balance and a utilization they are reporting of 738 %. 

I have reached out to XXXX  several times as well as trying to dispute with the credit bureau only to have XXXX say the information given was correct when that is not the case. This has been stressful for me and has halted my goal of getting a mortgage for myself and children.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2018 a credit card was opened without my authorization or permission for anyone to open a credit card with my information. Upon reviewing my credit report I found this information. The account is a result of identity theft and this account does not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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:
On XX/XX/2020 I sent a letter regarding inaccurate inquiries and other items on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being ignored, and this is taking a toll on my financial freedom. Section 611 ( a ) states that a failure to investigate items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted immediately. I insist these accounts be deleted immediately or I will file for litigation due to the unnecessary stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX has incorrectly reported three ( 3 ) 90-day late payments on my credit report during a federally mandated suspension of all student loan repayments. When I contacted them to correct this error in their reporting, they refused to correct it. 

According to Section 3513 ( d ) of the CARES Act ( Public Law 116-136 ), federal student loan repayment suspensions were supposed to be reported to consumer reporting agencies positively ( i.e., as if the borrower has been making regular payments. In relevant part subsection ( d ) reads : During the period in which the Secretary suspends payments on a loan under subsection ( a ), the Secretary shall ensure that, for the purpose of reporting information about the loan to a consumer reporting agency, any payment that has been suspended is treated as if it were a regularly scheduled payment made by a borrower. 

CARES Act suspension of federal student loan repayment was extended until XX/XX/2021. 

XXXX has completely disregarded federal law and has ruined my credit. Given that they have made this fatal error in their reporting, I am respectfully requesting that this error be corrected and XXXX reflect the appropriate positive payment history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: FIRST INTERSTATE BANCSYSTEM, INC.
State: MT

Complaint narrative:
I like a car at XXXX XXXX Im XXXX Montana. They told me I needed a co signer. Found one and they set us up with first interstate bank. That was XX/XX/ 2018. My co signer who is now the main borrower stole the car. I found out my signature is forged on the banks contracts. All of them. And they confirmed it. Now Im out XXXX $ and no car? XXXX XXXX manager told me hes having dinner tonight with the president of first interstate bank and that I need to watch my back .... XXXX with first interstate bank says its XXXX. I know I didnt sign any documents that first interstate bank has. I was a check for XXXX at first interstate bank and they can take their forged documents and do what ever. Bank took my money says clearly on the contract voided is voided which my signature is voided due to forgery! XXXX is my number. XXXX first interstate bank

Company response to consumer: Closed with explanation