vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
THE ACCOUNTS THAT ARE LISTED ARE FRAUDULENT SOMEONE STOLE MY PHOTO ID AND SOCIAL SECURITY CARD AND USED MY IDENTITY TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE MADE A CRIMINAL COMPLAINT WITH FEDERAL AND LOCAL AGENCIES I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
THE ACCOUNTS THAT ARE LISTED ARE FRAUDULENT SOMEONE STOLE MY PHOTO ID AND SOCIAL SECURITY CARD AND USED MY IDENTITY TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE MADE A CRIMINAL COMPLAINT WITH FEDERAL AND LOCAL AGENCIES I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations 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 2021-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I filed a claim in XXXX with Bank of America due to fraud on my account. I have received half info from both the Claims department as well as the Risk department on the time frame of the claim. I was told 30 days, then 90 days, then 60 days. I reached out to the claims department on XX/XX/XXXX to get the claim expedited so that I can close the account. I was told on that day day that they will have it done within 72 hours. On XX/XX/2021 I contacted Bank of America 's claim department to check on the status of the expedited claim and was told at that time that there was no hold on my account and that I could go into the bank to withdraw the funds. Once I got to the branch, the bank manager could not complete the transaction and was giving a direct contact number to call. Mind you I was transferred four times between the Claims department and the Risk department prior to me going into the branch. The bank manager was on hold for almost 45 min. and then the call dropped as soon as someone picked up. I then contacted the Risk department again and was told that once the money posted to the account they would be able to assist me with going into the branch to receive the funds. I called the risk department on the morning of XX/XX/2021, this is when I learned that a request had to be submitted and it would take 3-5 business day before they get a respond to the request to get my funds released and that all request are not granted. 
The lack of communication between the departments, the half given information to the consumer and the fact that they will not close my account is unacceptable. I am over this bank, I'm over the repeated fraud attempts that someone is making on my account and they fact that they will allow money to be deposited, but not withdrawn is hard for me to understand.

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 2021-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting 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 2021-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation
State: VA

Complaint narrative:
Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 


XXXX XXXX Date Opened XX/XX/2014 Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Hi, I woke up on XXXX to my CITI mobile account saying " account closed '' I called CITI as I did not close my account and was told that there is a block on the account. FOUR hours after being on the phone and being told " we don't have a supervisor to help '' I have direct deposits coming into my account and absolutely no idea where my money is. I have gotten nowhere. Tried calling the Corporate office and was told that they will take 15 days to investigate. FIFTEEEN days? Where is my money. I work very hard for my money and trusted CITI with it and now I have no access to my money and have bills to pay. This is unacceptable.

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 2021-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

1. ) XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX Date Opened XX/XX/2015 Balance {$0.00} 2. ) CREDIT CONTROL CORP ( Original Creditor XXXX XXXX ) XXXX Date Opened XX/XX/2015 Balance {$0.00}

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Lendmark Financial Services
State: VA

Complaint narrative:
Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting XXXX, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 


1. ) XXXX XXXX XXXX XXXX Date Opened XX/XX/2013 Balance {$0.00} 2. ) XXXX XXXX XXXX XXXX Date Opened XX/XX/2013 Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Home Point Financial Corporation
State: NJ

Complaint narrative:
Called Homepoimtn Financial in XXXX regarding coming out of Forebearance and making a loan modification to start making regular mortgage payments again. Have called back several times to find out status and have been told to continue waiting for letter from company. We have never been able to smoothly make payments or work out agreeable situations and the customer service representatives are not helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: GA

Complaint narrative:
My fiance, initiated a XXXX transfer in his XXXX XXXX  app on Sunday, XX/XX/XXXX. I received a confirmation text message stating I had a XXXX transfer of {$1000.00} available. However, I never received the money. I called my bank, PNC, multiple times to determine where the transfer of fund was as I had never received the money. I did not document these calls. All representatives confirmed my XXXX account with PNC was set up correctly and to give it 10 days. 

After two weeks, I still had not received the funds. My fiance filed a transaction dispute with XXXX XXXX  received a provisional credit while they researched. 

On XX/XX/XXXX, the credit was removed from his account as XXXX XXXX  had determined the funds had been released to PNC. 

I then went to a branch of PNC ( XXXX XXXX, XXXX, GA XXXX ), twice on XX/XX/XXXX to rectify the issue. I called customer service, and they were no help and said the funds were not pending on my account. I also filed a dispute with the XXXX  for PNC and XXXX. 

My fiance went to a branch of XXXX XXXX  where they provided the transaction ID number, trace number, etc. 

We both went to the PNC branch on XX/XX/XXXX, ( XXXX XXXX, XXXX, GA XXXX ). We finally were able to get a hold of an upper level of triage who promised to research the issue more. 

On XX/XX/XXXX, I was contacted by PNC again regarding the XXXX  complaint I filed. I provided all information, and they promised to research. 

On XX/XX/XXXX, I was contacted by PNC stating that my fiance had used the incorrect phone number, and the funds were deposited into someone else 's account, and there was nothing else they could do unless we knew where the funds were deposited. My fiance did not use the incorrect phone number. I have documents and screenshots from his bank showing what phone number was used, and it was correct. I also received a confirmation text immediately after he sent the XXXX transfer, so that excuse does not make sense. At this point, I am unsure if some kind of fraud at the banking level or someone used my phone number fraudulently. I am able to provide phone records that I have had the same phone number since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Hello, Too long didn't read version : Citizens bank turned off my auto pay on a car loan without telling me- charged interest while my payment didn't process and would've charged a late fee if I hadn't noticed the payment didn't process. 

I had a five year loan with citizens bank for a car purchased in XXXX the loan was expected to be completely paid off on XX/XX/2020. When initially setting up payments for the loan I was given the option to turn on auto pay. I had turned on auto pay and everything was working fine for 4 years and 11 months ( one payment left to go ). Usually my payment goes through around the XXXX of the month- for whatever reason the payment didn't hit. Hmm weird, I'll give it a few days. I waited three days and then tried to log into my account with my loan details I saw that I didn't have an account ... weird again as I had turned on auto pay 5ish years ago using an online system. I gave them a call and they confirmed that there was no online account for me. However, they were also perplexed about how I was able to pay for the past 4 years and 11 months. After a few hours on the phone I finally got someone to admit that they had deleted my account ( not my loan ). There was no rhyme or reason to the deletion and I was not notified of it being deleted- they had my email address/ physical address on file and did not contact me. 
Furthermore when asking about my final payment I had been charged interest because the auto pay didn't hit. ( I was charged interest for those 6 or so days between the XXXX and the XXXX - when I finally was able to hear that I needed to set up a new account and pay ). Luckily I was also able to catch this in time - I noticed my payment didn't process, if I wasn't able to catch this I was informed that I would've been charged a late fee / my credit would have been dinged. I was given no apology - it was one of the slimiest conversations I've ever had with a bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
I bought my home from XXXX  XXXX XXXX in XXXX @ XXXX and when the market collapse I was given no Modification or reduction in payment and my Mortgage was sold to another Lender and Sold to Shellpoint Mortgage Servicing Loan # XXXXI lost 15 % of my salary due to cuts and lay offs and plant Closures etc ; I asked if the Forbearance could be? put two payments at end of loan and they said NO! i could skip payments for 90 days but ALL payments will be due after that period XXXX. so I noticed that after over a decade of house payments my loan is ONLY XXXX  { $ XXXX } below the original purchase and tells me I have been defrauded all the way from XXXX  to now. I was notified that Shell Point has now Sold it but will continue to make collections for now. I am asking for an Independent Fraud investigation and ALL details to why I only have XXXX  paid towards my Mortgage after 15 years of $ XXXX minimum Mortgage Payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX  XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX {$0.00}

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 2021-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
Hello! 

I tried to freeze my credit with Experian. I went to : https : //www.experian.com/ncaconline/freeze # registration I have tried the process several times. After entering all the correct responses, I get a page that says We are unable to honor your request at this time. They want me to snail mail sensitive information to an address. So, I called them at XXXX XXXX XXXX XXXX. It took me through a phone menu for Credit Freeze. At the end of the menu, it says to please go their website. 

I have Frozen my credit with XXXX  and XXXX  with no problems. It was quick, simple, and painless. I am asking for Experian to do the same. I have spent countless hours trying to resolve this. No one at Experian will talk to me. Please 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 2021-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Despite the multiple previous written requests, the incorrect items listed below still remain on my credit report in violation of XXXX XXXX. They failed to comply with air XXXX XXXX XXXX, XXXX XXXX sections XXXX within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Google Compare Credit Cards Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX XXXX took 2 unauthorized payment from my checking account both in the amount of {$500.00}. I tried to call them and you cant talk to a live person so I made the complaint online later that day they sent me an email saying they werent refunding the XXXX. Thats all I got from them. I wanted to know why that was their decision, I didnt get answer. Hackers got into my checking account that morning and made several withdrawals this XXXX withdrawal was just one of several. The hackers opened 3 accounts in my name and used these accounts to take money from my checking account. The 3 accounts were XXXX XXXX, XXXX and XXXX I have never had any of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY

Complaint narrative:
Since you could not find my account in Fifth Third Bank to check possible payment error. For further study of this issue, I provide the following information to the Bank : Fifth Third Bank account number and screenshot from annual report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Despite the multiple previous written requests, the incorrect items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

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

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 2021-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CBC Companies, Inc.
State: FL

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, FACTUAL DATA add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, XXXX, FACTUAL DATA add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On 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 response to consumer: Closed with explanation