vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-24 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: IN

Complaint narrative:
I tried to dispute the inaccurate information that's negatively impacted my credit score and the results came back as the negative items remaining on my credit score

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 2020-10-24 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: Synovus Bank
State: IN

Complaint narrative:
I called XXXX  and I went over my credit report with them showing them about the charge offs on credit cards that were closed display and accurate information and negatively impacting my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I paid XXXX  and I pay them monthly this is for XXXX  for which I'm paying

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/XXXX XXXX, and everyone else I spoke to that day, they refuse to give me their names. And other Bank of America, discriminate against as a XXXX members they made me wait excessive wait times and hung up on me multiple times. 
Filed a complaint that she submitted with out reading to me. Refused to file my complaint as stated and wouldnt tell me the next steps.

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 2020-10-24 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: IN

Complaint narrative:
I called XXXX and I went over my credit report with them showing them about the charge offs on credit cards that were closed display and accurate information and negatively impacting my credit score

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 2020-10-24 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: IN

Complaint narrative:
I called XXXX  and I went over my credit report with them showing them about the charge offs on credit cards that were closed display and accurate information and negatively impacting my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24 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: IN

Complaint narrative:
I called Experian and I went over my credit report with them showing them about the charge offs on credit cards that were closed display and accurate information and negatively impacting my credit score

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 2020-10-24 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: EQUIFAX, INC.
State: WA

Complaint narrative:
Because I worked on a XXXX XXXX, my information ( and my wife 's and kid 's ) was compromised in the Equifax breach. As a result, I froze all three credit bureaus. 

Recently, my wife and I decided to purchase some property and so needed to unfreeze our accounts. Unfreezing our accounts with XXXX XXXX and XXXX  was simple. But Equifax would not let me log in with my password and unfortunately I do not have any record of the PIN that claimed they sent me at the time. 

So I tried calling to unfreeze my credit. I have called three times and in every instance they were " unable to verify my credit '' due to what are clearly communication issues with the people on the phone ( for whom English was not their first language. ) Their verification process consisted of multiple choice questions that were difficult to hear and understand. I don't use a lot of credit, so the questions especially didn't make sense. Most recently, they said they could only help me if I could tell them the exact month that I froze the account ( years ago ).

As a result of failing whatever their protocol was, I was told I had to physically mail in documents to verify my identity in order to request the freeze be removed, which I did. Twice. The first time, I temporarily unfroze it. The second time, I unfroze it permanently. I also asked them in my correspondence to please restore my online access so I could manage my own account. I received two letters from them saying my credit had been unfrozen. But despite my requests, I have received nothing about how to restore and access my account online. 

Today, at the bank I learned that my account is still frozen, so I can not access my credit. What's more, they have not restored my online access nor given me a way to do so, despite me sending them overwhelming proof of my identity. They are now jeopardizing our ability to access credit. And I am left with no alternative but to call them again. 

I have spent hours on hold and then talking with these people without satisfaction and there is no other alternative. I don't know if they have inaccurate information in my file or if I am just not understanding them or if what they are asking for is just so obscure that I don't know what they are talking about. But either way, they are holding my credit XXXX. It is absurd that they have that kind of power and the consumer can't do anything about it. 

I have paid my bills on-time my entire life. Yet, despite having substantial assets and a high credit rating, my wife and I are unable to access credit because of the the incompetency of Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24 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: PA

Complaint narrative:
This account with XXXX  XXXX  was disputed with Transunion and creditor and closed on XX/XX/20 but is still showing on my report when is was supposed to be deleted, this account has also been deleted from my report before but keeps appearing back on my credit report which is a violation of the law

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 2020-10-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I contacted several lawyers in XXXX to close on my XXXX XXXX XXXX XXXX, N.J. house. All of the lawyers told me that I couldn't buy the house for one reason or another and that the house belong to a pool of homes that could not be sold. After calling just about every real estate attorney in the area I received a call from XXXX XXXX XXXX who told me that he could close on the house. Many documents that were signed by the sellers and the closing Attorney show that the property being sold was XXXX XXXX XXXX. I contacted XXXX several times and he convinced me that this was no problem. I have been trying to close on the house for years now and the deals fall through for one reason or another, the bottom line is that XXXX XXXX XXXX XXXX who bought XXXX XXXX XXXX XXXX  has no proof of the mortgage. At first I was told that I would have it in 7-10 business days then it changed to 4-6 weeks. XXXX XXXX XXXX XXXX  has no proof of the mortgage. I refinanced with XXXX XXXX in XXXX and XXXX XXXX has no proof of the mortgage being paid off with the refinancing and have no discharge records what so ever. XXXX  XXXX has been requested about 10 times to produce a copy of the cancelled check paid to XXXX XXXX XXXX XXXX  and the discharge records. I continue to get a heap of papers and never get the requested information. I NEED TO GET A COPY OF THE CHECK PAID TO XXXX XXXX XXXX XXXX  AND THE DISCHARGE RECORDS. ALL I HAVE RECEIVED IS A PILE OF PAPERS THAT DON'T INCLUDE THE SPECIFICALLY REQUESTED CANCELLED CHECK AND DISCHARGE RECORD.

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 2020-10-24 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: CITIBANK, N.A.
State: CA

Complaint narrative:
In XXXX I made 2 deposits on a cruise scheduled for XX/XX/XXXX. There were 2 payments totaling XXXX. The cruise was canceled on XX/XX/XXXX due to Covid. The cruise line has stated they will be returning funds in full in 90 days. XX/XX/XXXX was 90 days. I have asked Citibank twice to assist me in obtaining the funds. Twice they have refused citing the fact that the deposits were made in XXXX. They also said they contacted the company and the company is going to declare bankruptcy. This has been refuted by the travel agent and I have no confirmation of this. This is a rather large sum of money and I would like it returned to me. Citibank is not interested in helping with this.

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 2020-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: PA

Complaint narrative:
I have called a dozen times, sometimes waiting on the line for up to 2 hours. Spoke to numberous reps and even escalated to supervisors 3 times. Every time they say they have released my funds for a card to bank transfer. Every time it does not work. I have my funds being deposited automatically from PA pandemic unemployment to the US Bank Reliacard. I did not choose this. They mandated this procedure. I want to transfer the funds to my regular bank checking account XXXX XXXX XXXX ). I have not been able to access my funds for approx. 6 weeks. They admit they have received my license id which I uploaded twice to their bank using their document upload process. They say there is no reason for a hold yet I can not access over {$2800.00} in funds.

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 2020-10-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Account Resolution Corporation
State: MO

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with XXXX, XXXX, in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 


Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24 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: NY

Complaint narrative:
I went to XXXX XXXX in XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX to buy a car. When I came into the store I had already applied doe a loan with XXXX with a remarkable rate. Because of this I did not want my credit run with XXXX XXXX. The sales associate asked several times if he could run my credit to search for better deals, and that it would be a soft pull. I explained that I did not want my credit pulled because I was already frustrated with the i professionalism of my car buying experience. Although I specifically asked for my credit not to be run, the associate ran my credit with 4 different companies and they were all hard inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: I.C. System, Inc.
State: MO

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit XXXX XXXX XXXX XXXX XXXX of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with XXXX, XXXX, in accordance with basel 3 accord and XXXX  Conventions. 


Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE

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 2020-10-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XXXX XXXX I requested a validation of debt from synchrony bank for a {$1700.00} charge-off I requested the following be included : 1. Who was the original creditor on this account, and what was the account number?

2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor.

3. Please provide me documentation that indicates that I agreed to pay someone this sum of money.

4. What was the original date of delinquency for this account?

5. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment.

6. What did you pay for this account, and how did you calculate the current amount owed? 
They received the letter XXXX XXXX via certified mail. On XXXX XXXX I received a collection notice from XXXX. On XXXX XXXX I reached out to XXXX requesting validation of debt again. On XXXX XXXX I was told there would be an investigation and that my validation of debt will be sent to me. On XXXX XXXX I received a letter from synchrony bank that included three billing statements .Nowhere in this letter did they provide proof the debt was mine, where I agreed to pay, What was paid, nor did they provide right to dispute or that it was an attempt to collect a debt. I also didnt recieve any contact information other than the address it was from. I requested documentation twice from two different points of representation and have yet to receive it.

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 2020-10-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: PNC Bank N.A.
State: NY

Complaint narrative:
Very nasty and rude representative I called them to tell them I lost my card customer service told me not to worry and their were charges I didnt recognize they said they shut it down and will send me a new one then a nasty department claims to be Pnc they didnt even know I already spoke to someone about it and said to me they want to go over suspicious activity on my account they claimed to be account takeover then it gets disconnected I call back and they tell me I cant use any of my accounts and their is a review this is ridiculous and rude I feel dosdinisted against what did I do wrong I called them to report it and then they do this to me how can they this is not fair I am very upset

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NJ LENDERS CORP
State: NJ

Complaint narrative:
I have requested that NJ LENDERS produce anything to show that the paid off my original XXXX purchase mortgage when I " refinanced '' in XXXX I have also requested that NJ LENDERS provide proof of discharge of the mortgage. I have requested this information about 10 times and get a heap of papers that does NOT include what I requested. 
The deed and title insurance location are no where close. The closing attorney XXXX XXXX XXXX refuses to cooperate with anything. The sellers closed with Power of Attorney and the signed certified records show that the sellers sold me XXXX XXXX XXXX XXXX NJ and NOT XXXX XXXX XXXX XXXX, N.J. XXXX XXXX XXXX XXXX  who bought XXXX XXXX XXXX XXXX has no record of the mortgage. NJ XXXX HAS NO RECORD OF PAYING OFF MY ORIGINAL XXXX PURCHASE MORTGAGE WHEN I " REFINANCED '' WITH NJ LENDERS IN XXXX AND THEIR IS NO DISCHARGE RECORD. 
I HAVE REQUESTED A COPY OF THE CANCELLED CHECK PAID TO XXXX XXXX XXXX   AND A COPY OF THE DISCHARGE ABOUT 10 TIMES AND NJ LENDERS CONTINUES TO SEND ME A HEAP OF PAPERS THAT DO NOT INCLUDE ANY PROOF OF PAYMENT OR THE DISCHARGE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24 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: GA

Complaint narrative:
I disputed a collections account with Experian for XXXX XXXX. I spoke to the collection agency and they sent a deletion request to Experian. I've uploaded a copy of the deletion to them. They have failed to remove the collections account and I am not able to reach them by phone.

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