vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-14 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:
The creditor XXXX as you can see in the attached letter is unable to validate the debt so if they are unable to validate the debt how are the bureaus stating they have verified and validated the debt? this is false information and a direct violation of my consumer right. I demand you delete this information from my consumer report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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: Collins Asset Group, LLC
State: NY

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 375 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
i XXXX XXXX entered into a consumer credit transaction with XXXX several years ago. A consumer transaction that i never gave any written consent to report anything on my consumer 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 2021-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
hi I went to the XXXXXXXX XXXXXXXX XXXX XXXX branch on XX/XX/XXXX and opened the business checking account with promotion of deposit the {$50000.00} for 60 days and get {$1000.00} bonus. I signed theW-9 forms and deposit the check on XX/XX/XXXX and move the money out on XXXX XXXX, but until today XX/XX/XXXX, i still did not get the bonus as promised. i have emailed the banker since XXXX, XXXX, and she opened the case for me, but still no result. i have emailed and called several times asking for the bonus, not result.. which is very upset

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 2021-07-14 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: AZ

Complaint narrative:
I have tryed many times applying for XXXX XXXX and each time I'm told it can not be done because in XXXX this modification was extended to 40yrs int at 4.5 with rates at there lowest now I don't understand lm 13 payments behind I have exhausted trying over and over with this investor with a modification I can get on track stay current and refinance my problem started with my husband who passed XX/XX/XXXX it was the covid his medical state and side work being unable to make side cash I have a I'll daughter and XXXX grandkids who live with me also my social security was cut due to my husbands death we will be homeless can you help pls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE
State: IN

Complaint narrative:
In XXXX of XXXX my payment went up from XXXX a month to XXXX a month. I called and they said my local county tax office reported the wrong taxes for XXXX and they paid a shortage from my escrow to cover the taxes. I contacted my county office and they had not reported incorrectly, and reported exactly what they should had. They sent me the documents for my home. And told me to call Huntington Bank back and work out the issue with them as it is not their issue. I have been calling Huntington for the last 5 months and it still has not been explained to me why they are taking an extra XXXX dollars a month from me. If it was for back taxes that by the way they pay for me. My annual tax bill is XXXX ( not exact but around XXXX, XXXX ) the XXXX a month they have already took, is more then enough to cover they debt they say I owe, even though they are the ones that is suppose to be keeping this on track and correct. They have another XXXX scheduled for XXXX and I need a detailed explaination, and documentation proof of this increase, and a date when this shortcoming will be finished. I can't and won't pay this for the house I have, its not worth being broke for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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: TX

Complaint narrative:
On XX/XX/XXXX I made a phone call to Transunion customer service first regarding a collection account still showing on my account that was paid off, they put a dispute in & werent really much help. 

Also during the call I requested that inquiries that were added back to my report be removed & the representative asked me to dispute the information again. Ive been disputing this for months & Transunion hasnt removed a thing from my report. Its almost as if they want to keep me in a cycle of bad credit. Here is a list of the inquiries I need removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 explanation
Consumer complaint received 2021-07-14 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: LEXISNEXIS
State: VA

Complaint narrative:
I filed disputes with Lexis nexis on XX/XX/XXXX and XX/XX/XXXX of this year and after 30 days they did not resolves the issue. 
When I call I was given a run around. They keep reporting inaccurate information to my credit report without proof that it is 100 percent my record. This is FCRA violation. These multiple violation go unpunished because Lexis Nexis think they are above the law and do not have to abide by the laws. 
the method of investigation under fair credit reporting act ( FCRA ) section 611 ( a ) ( 7 ) for the bankruptcy record ( USBK COURT XXXX XXXX  ) on my Credit report which was furnish and verified by Lexis Nexis. Under FCRA 611 ( a ) ( 7 ), the law afford me a right to accurate and complete investigation. I have a doubt that complete and accurate investigation was done since some of the investigation took only less than 24 hours after disputing with credits bureaus. The FCRA afford me a right to accurate and complete report. If the record is not 100 percent match the furnisher must immediately delete according to FCRA regulation. I do believe that Lexis Nexis mixed up my files with somebody with similar names. Lexis Nexis should furnish me with 100 percent proof that whatever being furnish to XXXX  is 100 percent accurate by matching my information with whatever is in those files. Above is my information including my Names, Address ( 17 years at the above address ) and my social with DOB. Under the FCRA 1681e ( b ), furnisher must follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Matching only the last four digits of my social is not a maximum accuracy and it therefore violates FCRA and recent 11th Appeal court decision. Therefore, I am requesting the method of verification within 15 days stated under FCRA 611 ( a ) ( 7 ). I am also requesting that Lexis nexis furnish verifiable proof that this record belong to me. Most important FCRA is very clear about the time frame of investigation. Anything not verifiable within 30 days must be delete from my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
I WANT MY MONEY BACK I HAVE BEEN WAITING 5 MONTHS I HAVE MADE POLICE REPORTS BUT THE WAY THE CAMERA WAS POINTED DID CATCH THE THIEF.SO THEY COULD NOT CHARGE NOBODY.

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 2021-07-14 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: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I have a creditor named Santander that I had a vehicle with over 7 years ago. I have disputed the accuracy of last payment date which is inaccurate, and is severely hurting my credit score. The account still shows on XXXX  and refuses to be removed even after the 7 year statue. XXXX is not helping to actually investigate this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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: FIRST MIDWEST BANCORP, INC.
State: IL

Complaint narrative:
A checking account that was supposed to be closed, was not closed. As a result, I was charged fees for account maintenance. The monthly fee took the account into an overdraft status. The account was charged off. 

When I later went to open an account with the same bank, I was advised that I had a delinquent account. The management reversed fees. I agreed to pay half. They agreed to remove the reporting from XXXX consumer report. It also should be noted that the account was reported XXXX on my XXXX as well. So not only should the account not have been reported at all, but it should not have been reported twice.

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 2021-07-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I have numerous exchanges documented about this ongoing issue -- which is the point of this complaint. Paypal is refusing to cancel my account after many exchanges by phone email and app messaging, citing policies that allow it to wait 180 days ( 180 days -- not a typo ) to close an account that has " ongoing transactions '' -- which in my case are fabricated by PayPal, as the vendor they cited as having a hold on my account had stated in writing is not the case -- which Paypal reps are simply flatly ignoring and attempting to gloss over with their typical compliment/apology/empathy " writing style '' eg " We understand how frustrating it must be. '' REALLY. No, they must not or they would cancel my account as I do not wish to do business with a company that is technically emotionally abusive. 

My complaint is specific to the ( again : fabricated ) obstacles PayPal imposes to closing an account. I am demanding that my account be closed BECAUSE of this kind of obfuscation and complete lack of transparency by PayPal, which obviously is what they train their " customer service '' staff to uphold. Responses in their help-message dump reflect this and are all but incoherent as well as inaccurate and irrelevant to a customer 's questions -- deliberately. It has to be deliberate, because the alternative to not mislead is so simple to accomplish.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
hi I went to the XXXX XXXX new york branch on XX/XX/XXXX and opened the business checking account with promotion of deposit the {$50000.00} for 60 days and get {$1000.00} bonus.my business checking account ( XXXX ), money market account ( XXXX ) I signed XXXX forms and deposit the check on XX/XX/XXXX and move the money out on XXXX XXXX, but until today XX/XX/XXXX, i still did not get the bonus as promised. i have emailed the banker since XXXX, XXXX, and she opened the case for me, but still no result. i have emailed and called several times asking for the bonus, no result in the end.. which is very upset

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 2021-07-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX was paid and it is supposed to be deleted from 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 2021-07-14 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX was paid and it is supposed to be deleted from 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 2021-07-14 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: NJ

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 375 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

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 2021-07-14 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: AZ

Complaint narrative:
My XXXX card is appearing on my credit report but not on the " Personel Finances '' section of my Experian membership. 
I called and a XXXXr named XXXX said I had the wrong information on my credit card. I asked him to hold while I confirmed on my XXXX account that the information was correct. He sounded frustrated and like he wanted to go ... then he hung up on me. I had been on the phone for about XXXX an hour before I finally was able to get a supervisor. 
He never called back. 
When I opened my profile on the XXXX account, my information was correct. So why is it now showing on my finances section? 
I tried to " Connect '' the account manually but the experian system does not recognize XXXX ... the bank for XXXX cards.

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 2021-07-14 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: EQUIFAX, INC.
State: IL

Complaint narrative:
i XXXX XXXX entered into a consumer credit transaction with XXXX several years ago. A consumer transaction that i never gave any written consent to report anything on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ASSOCIATED BANC-CORP
State: WI

Complaint narrative:
I noticed money was taken out of my bank account for associated Bank in XXXX Wisconsin. I reported it they did not stop my card within XXXX XXXX business days I went to see why I have not received my new card they told me I had not stopped it I checked my account again and more money was taken out. They investigated it and told me that I was the one that took it out and I didn't take it out I know the culprits I reported to the police the police have done nothing matter of fact I told him XXXX separate times of what happened and I have not got my money 's returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: KS

Complaint narrative:
On XXXX XXXX, 2021 I was alerted by XXXX that IC Systems Inc reported a collections account XXXX for {$350.00}. This is not my account and IC Systems Inc has never contacted me about this fraudulent account. I am a victim of identity theft. IC Systems Inc has had this account since XXXX 2021 and has never contacted me about account. Their tactics clearly violates my consumer rights to contest this fraudulent 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 2021-07-14 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: CA

Complaint narrative:
I have a creditor named XXXX that I had a vehicle with over 7 years ago. I have disputed the accuracy of last payment date which is inaccurate, and is severely hurting my credit score. The account still shows on Equifax and refuses to be removed even after the 7 year statue. Equifax is not helping to actually investigate this issue.

Company response to consumer: Closed with explanation