vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
During the closing of escrow on my house, a payment of {$720.00} was sent to Shell Mastercard by XXXX XXXX XXXX XXXX XXXX. The check was sent on XX/XX/XXXX and documents show that it cleared on XX/XX/XXXX. The payment never posted to my account. 

I called XXXX on XX/XX/XXXX and spoke to a representative who told me I needed to file a case for a lost payment. I gave this person all of the information : check number, account number, routing number, date cleared, institution information, etc. They told me the case was filed and that I would get results within 30 days. 

I called XXXX on XX/XX/XXXX to follow up on this dispute. The representative told me that the first dispute I filed " failed '' and that the only way she can help me is just to file a case with her. I asked her why the first case " failed '' and why no one alerted me. She continued to repeat that the only way she could help was to file a case with her. I asked her how I would know that the case was actually being investigated given the fact that I was under the impression the investigation had been taking place over the course of over 30 days. I asked for her to escalate my case or to provide me a credit as they investigate given that they " failed '' and had lost my money in the first place. She said she was unable to do anything but file a case. 

I do not believe a case has been filed even still. These people have the money -- the check has cleared, I have photo documentation. I can get no one in Customer Service at Shell Mastercard to help me or investigate what is now money they have stolen from me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-17 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: National Credit Adjusters, LLC
State: NY

Complaint narrative:
This account was closed, charged off, and sold. Due to them selling the account they can not list a balance and can not be reported on my report due to NO LEGAL CONTRACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: CL Holdings LLC
State: NY

Complaint narrative:
This account was closed, charged off, and sold. Due to them selling the account they can not list a balance and can not be reported on my report due to NO LEGAL CONTRACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I demand this CRA to send me a copy of my credit file pursuant to 15 USC 1681a ( a ) ( g ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
In Violation of 12 CFR & 1026 ( c ) ( 2 ) Capitol One reported an amount in dispute as delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: TN

Complaint narrative:
upon checking my XXXX credit report i notice i have a fraudulent account on report i reach out to XXXX and they have not fixed the problem

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 2022-02-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
I closed on refinancing the mortgage ( with Citizens Bank ) on my home on XX/XX/2022. The original mortgage was also with Citizens Bank. Payments for the original mortgage were made by auto-pay from my Citizens Bank checking account. During the application process the Citizens loan officer neglected to provide the document to stop auto-pay on the original mortgage. On XX/XX/2022 a payment was deducted from my checking account for the original mortgage which had already been paid off at closing. 
I notified the loan officer, customer service ( several times ) and visited a branch. All except the loan officer insured me that the payment would be refunded. I wrote a letter to customer service explaining the problem. A representative contacted me and promised to intercede and call me back with an update. When he failed to call back, I called him and he insured me that the reimbursement check was mailed on XX/XX/2022. That contradicted information that I had received from customer service saying the payment was mailed on XX/XX/2022. It appears that Citizens Bank does not have a process or procedure in place to resolve my concern and they aren't working uniformly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I demand this CRA to send me a copy of my credit file pursuant to 15 USC 1681a ( a ) ( g ).

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 2022-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I demand this CRA to send me a copy of my credit file pursuant to 15 USC 1681a ( a ) ( g ).

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 2022-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXXr PLEASE HELP ME PLEASE

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 2022-02-17 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: PA

Complaint narrative:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian, XXXX and XXXX Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$130.00} XXXX  XXXX XXXX {$470.00} XXXX XXXX XXXX XXXX {$5200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX {$220.00}

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 non-monetary relief
Consumer complaint received 2022-02-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX and Transunion Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$130.00} XXXX  XXXX XXXX {$470.00} XXXX XXXX XXXX XXXXXXXX {$5200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX {$220.00}

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 non-monetary relief
Consumer complaint received 2022-02-17 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, Equifax and XXXX Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$130.00} XXXX  XXXX XXXX {$470.00} XXXX  XXXX XXXX  XXXX {$5200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX {$220.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate. 
XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once

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 2022-02-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: PRESTIGE FINANCIAL SERVICES INC
State: MS

Complaint narrative:
I lost my job due to COVID and feel on hard times. I had money saved and offered a settlement. I was told if paid the account for a full year the would negotiate the settlement for less the balance was paid down a good bit. The car was not was not work and Prestige was aware of this. However I did my best. The gave them every dime I had because I was told they would do a settlement next year. When that time came the denied a settlement and wanted the remaining balance for a nonfunctional car that I paid for twice. I have corresponding emails that verify these communications. I was taken advantage of financially and emotionally. COVID was a stressful time for me. I gave Prestige all the money I had and was lied to for them to get it. Prestige had no intent to settle nor allow me to keep the car. The loan is subprime and they are practicing predatory lending during a crisis. They have breached their agreement to settle for a reasonable amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I purchased my dog on XX/XX/XXXX from XXXX Bank since then I have been paying my monthly statements on time and in full. As of yesterday, XX/XX/XXXX I received a credit monitoring alert stating I was over my credit limit by {$260.00} with above creditor and reported to XXXX. My credit plunged by XXXX points. I immediately called the creditor and they advised I was on a " promotion plan '' and if the account was not paid in full by XX/XX/XXXX I would be charged additional interest. They increased my account from {$4700.00} to now {$6500.00}. There was a small box stating my plan would expire and be charged if not paid in full. I was unaware of any of these charges and how what the amount would be. When I called yesterday the Agent said there was nothing they could do since it was on my statement. 
I called in XXXX about this little box and the Agent advised I would be charged an additional max of {$70.00} to XXXX per month. NOT total interest for a year of {$1800.00}. 
As a consumer I feel this should have been explained to me back in XXXX or XXXX so I could have other options. I paid the {$260.00} today, although not due until XX/XX/XXXX. 
I feel a detailed letter should have been sent prior to the creditor reporting my account over the limit. Unjustified.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-17 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: AZ

Complaint narrative:
I opened an Experian dispute for my XXXX account balance not being reported correctly. The creditor was not honest during the dispute investigation and has refused to update my account balance with Experian for over XXXX days. The creditor has been reporting the wrong account balance for several months since the loan was awarded in late XX/XX/XXXX. According to my online account information, I have a zero balance. Because, of the last payment received by the creditor in late XX/XX/XXXX in the amount of {$3500.00}.

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 2022-02-17 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these inquiry deleted or updated. These are the items I demanding to be deleted immediately : 1. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. Identity Theft XXXXN Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: CA

Complaint narrative:
Us bank has failed to respond to my transaction disputes I have submitted and ignored my disputes making my balance over drawn my accounts. US BANK also is failing to investigate properly My disputes. For example there's a transaction that was denied after merchant clearly stated I returned purchase same day. Which credit was promised by merchant and never received. Merchant sents documents of a returned transaction and us bank dies not see that informing me I received benefit which I did not. Also my account has several transactions which were made by someone without my permission and us bank ignores my disputes without even investigating. Also there's another merchant that denied giving me any information due to transaction. Being made by someone else besides me and us bank denied my disputed transactions. They took over 90 days to investigate one disputed transaction which is after the time permitted to finds its resolution.

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 2022-02-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX XXXX Date of inquiry XX/XX/2020 XXXX Date of inquiry XX/XX/2020 XXXX XXXX Date of inquiry XX/XX/2020 XXXX Date of inquiry XX/XX/2020 XXXX Date of inquiry XX/XX/2020

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 2022-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I have asked Transunion for a validation of the creditor, I have requested for all paperwork from the original creditor to be sent to me. Section 609 states that I have a right to ask for this information that was received by the bureau Transunion has yet to send me this information.

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 2022-02-17 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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