vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-08 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:
I searched my Transunion credit reports and found. that the CRA Transunion LLC just refuses to follow guidelines of FDCPA and the FCRA and perform a proper and complete investigation of my account # XXXX with XXXX XXXX XXXX First of all, the acct # XXXX ... 
should never have been closed & charged off and I will show the illegal reporting down below : 1. ) Transunion reports ( 3 ) three different amounts as the amount owed to XXXX XXXX XXXX!! That is impossible and the reporting of this acct # XXXX needs to be Deleted immediately!!! It's impossible to owe '' XXXX XXXX XXXX '' an amount of {$1000.00} when the max credit limit on the credit card was {$500.00}!! This acct # XXXX ... needs to be Deleted because of this inaccurate unverifiable reporting! Transunion & '' XXXX '' also list a third amount of {$490.00} as the figure owed to " XXXX  '' This amount is inaccurate also!! These are all violations of the FDCPA and the FCRA and the whole account # XXXX ... should be Deleted immediately!! 
2. ) Additionally, Transunion and " XXXX XXXX XXXX '' also illegally reports a " '' past due '' amount on my credit report regarding this chargedoff collection acct # XXXX..That 's also a violation of the FDCPA and the FCRA because it exponentially & unfairly harms my credit even more!!! This acct. # XXXX ... should be Deleted immediately!! 
3. ) Additionally Transunion and XXXX XXXX XXXX disrespects the FDCPA & FCRA even further by not properly investigating and properly categorizing their findings as prescribed by law!! The term of " NOT SPECIFIED '' being placed on my credit report is flagrant disrespect and wreckless disregard for the FDCPA & FCRA and an insult!!! The law is clear & Both parties refuse to tell the truth and Delete this account # XXXX. Please help me with these huge bullies!! 
They don't even bother to render an official opinion of the facts regarding my Acct # XXXX as demanded by law!! They both should be punished!. I have disputed these reporting issues with them both for over ( 2 ) two years and they have ignored me as if they think they are above the LAW!!! PLEASE HELP 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 2020-12-08 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 2020-12-08 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: 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 2020-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
I have 2 accounts with U.S. Bank. A business and a personal account. I have had the business account for over 2 years now without any issue. A few days ago ( XX/XX/2020 ) I logged on to check the account and noticed it was missing completely from the app. I called and found out that the Branch manager at a specific bank closed the account without listing any reason. I had over XXXX in the account so it wasn't due to overdraft. I also completed a transfer weeks before that so it was being used regularly. I called the branch manager XXXX XXXX at the XXXX XXXX in XXXX XXXX California. She told me she closed the account personally, but did not give me a reason. She stated that if I transferred money to my personal from business and vice versa then that may be the reason but didnt confirm. She kept saying sorry but no reason was given for my business account being closed. I never received prior notice or even a phone call. I am a XXXX and XXXX XXXX, no fraud or other issues have ever been done. I still have my personal account and a credit card with them, those accounts were untouched. I am going to be cancelling these accounts and taking my business to a 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 2020-12-08 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: KY

Complaint narrative:
XXXX XXXX reports 3 different dates under date of last activity even after their verification, XXXX XX/XX/XXXX, Experian XX/XX/XXXX, XXXX  XXXX is this account accurate when date of last activity shows 3 different dates? which is years apart from each other? 

I notified that I have never made payments for all the months of the year XXXX and I have have requested for the documentation that prove that my last payment was made on XX/XX/XXXX. But you have never furnished any bank records and transaction documentation due to the fact that you are required to have this documentation to determine accuracy of your report. 

You are in violation of FCRA by continuing to report this inaccurate and erroneous account on my credit report. Remove this account for failure to perform proper 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 2020-12-08 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: 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 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 2020-12-08 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: FL

Complaint narrative:
There are numerous accounts listed on my credit report that I have no knowledge of. This was a result of malpractice or an error.

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 2020-12-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ACIMA CREDIT, LLC
State: AZ

Complaint narrative:
I've applied multiple times for a lease with Acima credit. I continue to get declined because they can not verify my identity. I've called multiple times and have offered to submit proof of my identity. Their resolution is for me to continue to apply. Additionally, I was told to contact the credit bureaus when Acima is the one making the decision to decline my application. Why would I continue to apply when I they continue to decline me for the same reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 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: NY

Complaint narrative:
On my credit report I have the following account reporting XXXX XXXX  Account # XXXX. I have no idea what this may be. I have reached out to XXXX XXXX to which they never responded with any documentation showing what this is and more details on this 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 2020-12-08 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: NY

Complaint narrative:
On my credit report I have the following account reporting XXXX XXXX Account # XXXX. I have no idea what this may be. I have reached out to XXXX XXXX to which they never responded with any documentation showing what this is and more details on this 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 2020-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FIRST HORIZON BANK
State: TN

Complaint narrative:
I had a checking and Savings account with First Horizon bank that I wanted to close. I went to their XXXX XXXX branch today XX/XX/2020 at approx XXXX XXXX  and was told by the teller to speak to XXXX the lady who was sitting at a desk. I explained why I wanted to close and she verified my Drivers License, then she got up and said I will be back and just left. I waited for over 15 minutes and no one came back so I went to the teller and said I needed to leave as I had another appointment as the lady was not around. She too just said " Fine I will tell her you left when she comes back ''. I cane back home and then called the toll free number and got a gentleman to close the accounts and will hopefully get a check in 7-10 days. When I asked about the process of filing a report or complaint about the treatment at the branch he said I would have to go back to the branch and make a complaint. I asked what if that lady was the manager and he said the only option is to complain about her to her. That is the most ridiculous thing I have ever heard. I am appalled at the lack of any service at branch or telephone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 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: TX

Complaint narrative:
I have made several fair an honest attempts to get Equifax to erase these unathorized inquires and update my personal address info to no avail. I have always included copies of my utility bills, drivers license, passport, and or other pertinent info that CLEARLY identifies me. 

Equifax continues to respond to my complaints by saying that inquiries are factual matters. There have been NO investigations into the accuracy of these inquiries. Neither have Equifax updated my correct address info to remove an apartment number that is not mine. 

I have stated that there is no apartment number, but they continue to report this. 

I have stated that the listed inquiries were not authorized in anyway by me, and they are saying inquires are factual data. They do not list how they verified this to be accurate and have not offered a resolution. 

I am attaching my THIRD letter to them that i wrote today and have mailed out for further help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SIERRA PACIFIC MORTGAGE
State: CA

Complaint narrative:
I am trying to obtain a forbearance on my mortgage servicer, Sierra Pacific Mortgage. I am current on my payments and my mortgage is owned by XXXX XXXX so I qualify for the program. However, I requested this 50+ days ago, and have contacted my servicer several times they still have not returned my calls or gotten back to me. Two payment cycles have passed and I am struggling and have had to liquidate retirement funds to pay my bills.

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 2020-12-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Flagstar Bank, N.A.
State: TX

Complaint narrative:
The insured property address is XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXXXXXX. We are Flagstar Bank Loan # XXXX. 

The fire settlement check came in from XXXX and was overnighted via USPS Priority Mailed 1-day Express on XXXX to Flagstar Bank ( XXXX, XX/XX/XXXX ) to deliver XXXX ( Not sure their XXXX work day schedule ). I conformed to Flagstar instructions on the mailed signed/dated Letter of Intent. 

As I followed-up ( please see the attached emails ), I was told they didn't need anything else from me. 

In further following-up, the story changed. I have talked to many of their customer service staff, as shown on the attached correspondence and handwritten notes. 

I am currently awaiting a supervisor to call me back re : expediting payment processing. I have attempted to consult their legal team, to no avail. 
Our team has contacted the Federal Reserve Consumers Helpline XXXX twice, and I have informed Flagstar of that. XXXX at XXXX told me to contact you as the Flagstar Bank Regulator. Today, I called CFPB ( you ) contact center at XXXX, spoke to XXXX who told me online was faster. 
The Flagstar story is that a 2nd duplicate signed/dated Letter of Intent was required. As of this morning about noon CST, XXXX, the Flagstar customer service contact XXXX # XXXX told me they haven't scanned the 2nd LOI yet, and then the 15-30 days clock starts again. I have also spoken this morning with XXXX ( XXXX ), # XXXX in an attempt to reach a supervisor or legal representative. XXXX has been the best one there, so she gets a gold star for concise info. 

Part of our tenacity on this matter is that we aren't the only ones probably that Flagstar is pulling this on. Flagstar also charged me another mortgage payment on XXXX for the loan that they received on XXXX the XXXX settlement-in-full check. 

We have another loan awaiting the proceeds to pay off, and business expenses ongoing for this investment property. 

I am an educator in the world of learning differences, so this property is an investment diversification for me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 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:
I've been sending the requested information to the credit bureaus regarding my identity theft case but i'm not getting any help.

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 2020-12-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have been a Citibank Diamond Preferred Card member since XXXX Recently noticed a monthly charge of {$48.00} for " Payment Safeguard '' on my card and called. 
I was told it is for disaster assistance and it has been charged to my account since XXXX. 
I told them I do not have any recollection of agreeing to the charge and asked if they can prove it to me. 
They claim it may be that I signed a flyer. 
I never signed anything nor did I agree to anything by phone. 
I asked for proof of the flyer, but nothing yet.

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 2020-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The accounts below are reporting incorrectly please investigate these : Bankruptcy Decree Chapter XXXX Account # Case # XXXX Child Support Account # Case ID # XXXX XXXX XXXX XXXX. Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX. Account # XXXX XXXX  Account # XXXX XXXX. Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
My lease was scheduled to end on XX/XX/2020. On XX/XX/XXXX, I called and spoke to an Ally representative regarding my intention to pay the balance due in order to purchase the vehicle. I was advised that I would need to overnight the check to Ally, which I did on XX/XX/XXXX. The check was received by Ally and my account has shown as being paid in full since XX/XX/XXXX. Around XX/XX/XXXX I contacted Ally to inquire as to the status of the title and was told that someone would be contacting me. Only then did I receive the odometer statement from XXXX, with no indication that it had come from Ally. Several days later I was able to determine that this was not spam and responded on XX/XX/XXXX. Since then, I have contacted Ally several times requesting the title and have not been successful as of XX/XX/XXXX. I do not understand why this would not be an automatic process. I have requested several call backs and have not received any. I can see on the Ally Customer Support XXXX that I am not the only person that is having this same experience and runaround regarding obtaining the title for paid off leases.

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 2020-12-08 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: CO

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, XXXX, CBNA add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, XXXX, CITIBANK NA., BEST B add a hard inquiry on my credit report per XXXX  . No contact information has been reported by this creditor. 
On XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2020-12-08 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: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/XXXX, XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, XXXX XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX . No contact information has been reported by this creditor. 
On XX/XX/XXXX, WELLS FARGO XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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