vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Confusing or missing disclosures
Company: BANK OF THE WEST
State: CA

Complaint narrative:
I have been a joint customer with my mom at Bank of the West for over 15 years. On XXXX XXXX, 2020, I opened a money market account under the existing name ( married name ) on the account. There was no problem opening the account. My mom (  XXXX years old ) is a senior and from time to time she lives with other family members. Earlier this year we had a family issue that compromised my moms account and we had to change her banking information. It took us approximately 3 weeks to make her account secure as they were notified that there was missing checks to my moms account. The same day we changed the account information, a Social Services representative came to my house wanting to speak with my mom to verify I had not  committed XXXX XXXX to her. Since my mom does not pay me rent and the funds continued to grow and she continues to live with other family members, we decided to move some of the funds to a money market account. There was no problem opening the account, however, I received a letter dated XXXX XXXX, 2020, from the bank requesting verification of my identify due to the IRS involvement. I had no problem with bringing them the verification. The letter stated that I had a deadline to provide the verification. I sent them a letter requesting they provide me with documentation from the IRS prior to the deadline. They failed to send me the IRS contact information and told me during the personal visit that the bank has no such documents for presenting these sensitive documents. On XX/XX/2020, I walked into the XXXX, Ca branch bank to provide verification and was denied because they wanted to make a photocopy of the verification ( social security card ) without providing me a form from the IRS requesting this information be forwarded to them. The environment was an unsecure open environment and I was publicly ridiculed by the manager for all bank participants to hear and see during the conversation and as I walked away from her. I went home discouraged by her and move the money back into the account in which I was charged a fee for the transfer. The same day after notifying a complaint contact number for the bank I was told the Regional Manager would contact me, as of this date I have not heard from any representatives from Bank of the West.

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 2020-10-22 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: Ascension Point Recovery Services, LLC
State: MD

Complaint narrative:
Ascension Point Recovery has called me three times looking for the person in charge of XXXX XXXX estate  financial matters in order to collect a debt. I don't know a XXXX XXXX, not have I ever heard of her. My maiden name is XXXX and I guess they are calling all XXXX   fishing. I believe I called them back and left a message that I didn't know who she was but was called again. 

Please fine these parasites so that stop harassing innocent people or people who have lost a loved one. 

Respectfully, XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
I attempted to dispute late payments a multiple times prior to making this complaint. However, I send the company a goodwill letter explaining that I was effective by the COVID 19 pandemic.

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 2020-10-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My husband I applied for credit card and the credit card company denied because too many inquiries according to Transunion credit company. We had contacted Transunion to find out and were told that due to too many hard inquires and they also informed us how to resolve the problems. 

We were told to contact the companies to request " Deletion of Inquires '' and need to submit to them and then they will delete the those hard inquiries. The most of inquiries from mortgage companies because we were trying to find the lowest mortgage rate to buy a house. Transunion understood we were searching for lowest mortgage rate but they can't delete the mortgage companies from the hard inquires list based on what we told them. According to Transunion, they have to receive the deletion of inquiries form from the companies We have contacted the mortgage companies and are told that they never heard of deletion of inquires and its legitimate inquires by any mortgage companies to check their clients ' credit history. 

We are caught between two companies and neither of them would not do anything to help us. I don't understand why the Transnion raise red flag to their customers when they are searching for lowest mortgage rate? 

All the companies told us they can't send us the deletion of inquires verbally when we contacted them. 

We would appreciate if you can convey our frustrations to the Transunion.

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 2020-10-22 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: KY

Complaint narrative:
It is totally frustrating to see TransUnion XXXX XXXX, reports wrong information on my credit report and they do not have proper address to be reached. It really heats my credit and my time and money is unnecessarily wasted following up with this erroneous account information with TransUnion and they keep verifying the account without reasonable investigation being done.please take this incident seriously and delete it immediately Account Under Dispute : XXXX, XXXX XXXX - NOT DELIVERABLE ADDRESS - previously this account was verified that information is correct but when I went and write a letter to the debt collector they where not at the address that listed on my credit dispute response communication mail. You need to DELETE it 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 2020-10-22 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: TX

Complaint narrative:
HELLO, MY NAME IS XXXX XXXX AMD I AM A VICTIM OF ID THEFT. SOMEONE STOLE MY ID AND SOCIAL AND LATER USED MY PERSOANL INFORMATION TO FRAUDULENTLY OPEN ACCOUNTS IN MY NAME.

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 2020-10-22 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Greeting Issue with Amazon prime account that I do not open. 
Balance : {$240.00} XXXX # XXXX SYNC/AMAZ XXXX XXXX XXXX, XXXX XXXX TX XXXX Tel : XXXX In XX/XX/2020 I received a bill from Amazon let me know I have past due account {$240.00}. I called Amazon, they told me sine XXXX that Prime membership fee and late fee add up. I told them I do not open this membership, if I order amazon I have my credit card online to pay, I dont even know what prime membership I ask them to close, they said they will close and I should not worry ( XX/XX/2020 XXXX. I don't even know until lately. 
We are offer to buy a home in XXXX California in early XX/XX/2020, the mortgage company run the credit and XXXX show that the account is closed but still have balance and past due, my credit score is low and the bank don't accept for the home loan. I called amazon so many time and talked to 6 people and present my case, if I have known the details of closing meaning I should have clear everything in XX/XX/2020. They said the fraudulent department will put this case in dispute XX/XX/2020, and dispute letter will mail to me in next 7 to 10 days and the investigation will take 30 to 60 days to remove my name from the TRADE LINE so my score can go up. 
Please help me in your authority our loan in the process I have XXXX weeks to close the loan to buy the house that what we need right now I can't wait for 30 days. Please help us AS Soon As you can. 
Regards, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have sent a lot of letters to the credit bureau, because the errors are affecting my credit score a lot, but they don't respond my letters. Please investigate about my case and remove every error on it. I paid accounts with charge-off, and is still appering on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 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: GA

Complaint narrative:
I have disputed the inaccurate reportings with XXXX, XXXX, and Equifax several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I never paid the following accounts late, XXXX : XXXX is reporting a payment status of 90 days late, XXXX  is reporting no late payments and Equifax is not reporting this account. XXXX XXXX XXXX : XXXX is reporting a payment status of 30 days late, XXXX  is reporting a status of 30 days late, Equifax is reporting a status of 30 days late. The following accounts do not belong to me and should be removed from my credit file, XXXX XXXX Account Number XXXX XXXX is reporting an open date of XX/XX/2019, XXXX  and Equifax are not reporting this account. I have reached out to the credit bureaus to help me in getting this matter resolved. Is XXXX, XXXX  and Equifax considered to be furnishers? These accounts either do not belong to me or were not paid late and XXXX, XXXX  and Equifax have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 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: GA

Complaint narrative:
I have disputed the inaccurate reportings with XXXX, Experian, and XXXX  several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I never paid the following accounts late, XXXX : XXXX  is reporting a payment status of 90 days late, Experian is reporting no late payments and XXXX  is not reporting this account. XXXX XXXX XXXX : XXXX  is reporting a payment status of 30 days late, Experian is reporting a status of 30 days late, XXXX  is reporting a status of 30 days late. The following accounts do not belong to me and should be removed from my credit file, XXXX XXXX Account Number XXXX XXXX is reporting an open date of XX/XX/2019, Experian and XXXX  are not reporting this account. I have reached out to the credit bureaus to help me in getting this matter resolved. Is XXXX, Experian and XXXX  considered to be furnishers? These accounts either do not belong to me or were not paid late and XXXX, Experian and XXXX  have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.

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 2020-10-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have sent a lot of letters to the credit bureau, because the errors are affecting my credit score a lot, but they don't respond my letters. Please investigate about my case and remove every error on it. I paid accounts with charge-off, and is still appering on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 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: FL

Complaint narrative:
I have sent a lot of letters to the credit bureau, because the errors are affecting my credit score a lot, but they don't respond my letters. Please investigate about my case and remove every error on it. I paid accounts with charge-off, and is still appering on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 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: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
On XX/XX/2020 I received an offer from Chase XXXX XXXX for 5 % Unlimited cash back on travel purchased through Chase Ultimate Rewards. On XX/XX/2020, I charged a cruise deposit of {$600.00} on my Chase XXXX XXXX  Rewards Card. On my XX/XX/2020 statement, my reward on this travel was only 1.5 %. When I contacted Chase and spoke to XXXX and then XXXX, a manager, they informed me that I needed to go to the Chase Rewards website to book the travel in order to get the reward. No where does the XX/XX/2020 email say anything about a website only that " ... travel purchases booked using your card through the Ultimate Rewards program ... '' would receive the 5 %. My card statement clearly indicates on the statement " CHASE XXXX UNLIMITED REWARDS, '' leading me to believe using the card qualified me for the 5 %. Chase 's advertising is at best misleading, and at worst fraudulent. Thus, Chase successfully convinced me to use their card over a competitor 's card then ripped me off {$21.00}, offered but not awarded. I can not not trust their advertising in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 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: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
In XXXX I used my Apple Card to buy an XXXX. I had to cancel because I wanted to update the specs and ever since then I've been having problems. The card will not let me pay off the balance shown in my digital wallet. They say there is some thing pending but no one can find it and it's been almost XXXX weeks and I haven't heard anything. If I call Apple Card they say my balance is XXXX with {$170.00} pending, that pending has been around since XXXX. Can you please help this is so frustrating. No one had an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
HELLO, MY NAME IS XXXX XXXX AMD I AM A VICTIM OF ID THEFT. SOMEONE STOLE MY ID AND SOCIAL AND LATER USED MY PERSOANL INFORMATION TO FRAUDULENTLY OPEN ACCOUNTS IN MY NAME.

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 2020-10-22 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: TX

Complaint narrative:
HELLO, MY NAME IS XXXX XXXX AMD I AM A VICTIM OF ID THEFT. SOMEONE STOLE MY ID AND SOCIAL AND LATER USED MY PERSOANL INFORMATION TO FRAUDULENTLY OPEN ACCOUNTS IN MY NAME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I attempted to dispute late payments a multiple times prior to making this complaint. However, I send the company a goodwill letter explaining that I was effective by the COVID 19 pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I attempted to dispute late payments a multiple times prior to making this complaint. However, I send the company a goodwill letter explaining that I was effective by the COVID 19 pandemic.

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 2020-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I attempted to resolve this issues with creditors and company. I explained to the company that I was going through a divorce in XXXX prior to that I had an excellent payment record. 

1 ) XXXX XXXX - late payments in XXXX, XXXX, XXXX, XXXX & XXXX of XXXX : 2 ) Late payments in XXXX, I was affected by COVID 19. 
In XXXX, I experienced a very difficult year, as my ex-husband and I was going through a divorce. Prior to our separation, we live jointly in the home and it was a mutual agreement that we would split all expenses 50/50 however, my ex-husband fail to meet his financial agreement. I was required to pay all expenses in full which was a huge adjustment for me at that time.

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 2020-10-22 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: National Credit Systems,Inc.
State: TX

Complaint narrative:
I have sent a debt validation letter and XXXX XXXX dispute letters explaining to the creditor that the fees assessed are incorrectly reported on my credit report. Please see attachment for the original lease agreement, security deposit deductions, and final account statement. These charges have been invalidated and are in accurate. Not only has the creditor failed to provide proof of the alleged damages, the charges do not match with the security deposit deductions provided with the original lease. Please also note that the reletting fee listed on the original lease does not match the final account statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
Paypal had a discrepancy between their records and what we were being told by Paypal 's representatives ( including the XXXX office ). The records were in direct conflict with the what were being told on three major points. We asked Paypal to explain this. After six months of avoiding our questions, ( the usual practice was to ask their own question in the response and then answer their own question ), Paypal decided to take action. They suspended our account for asking them to explain a problem we discovered. That was our great sin. 
Paypal feels that they are so big they don't have to explain anything, or they have something serious to hide. Either way, there needs to be an investigation into their practices. 

We am including an example of the question we asked. 
It concerns our account XXXX XXXX

Company response to consumer: Closed with explanation