vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
I opened an account with Citizens Bank on XX/XX/XXXX with an account opening bonus of {$300.00} with a direct deposit of {$500.00} or more within the first 60 days of opening the account. I had a direct deposit of {$510.00} to the account on XX/XX/XXXX ( 38 days after account opening ) and never received the bonus. I called them on XX/XX/XXXX to enquire about bonus and why I hadn't received it. The customer service representative verified my information and told me he would check with the marketing department and put me on hold. When he came back from hold he hung up on me. When I called back immediately after I got a different customer service representative and after repeating what I told the previous customer service representative, the customer service representative told me my account had been closed because of a XXXX balance. The customer representative first said that the account could be closed if there was a XXXX  balance for 60 days. Then when I told him I hadn't had a XXXX  balance for 60 days he changed it to 35 days and then again changed it to 7 days. I never received any communication about this nor did I ever receive anything saying my account had been closed. Additionally less than 5 minutes before my second phone call, the previous customer representative had verified my account information and hadn't said my account was closed. The second customer representative also proceeded to hang up on me. I called a third time and was told I would be transferred to a 'bonus ' department that the previous customer services reps never mentioned. Instead I was transferred to the loan department and had to end the call. Every time I try calling their customer service representatives they hang up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: General Motors Financial Company, Inc.
State: MD

Complaint narrative:
I have an auto loan with GM Financial. The loan has a 15.75 % interest rate. I was approved for a refinance with XXXX XXXX for 8.6 %. 

When XXXX XXXX called to confirm the payoff and transfer the lien, GM Financial told XXXX XXXX my car was a part of a bankruptcy. My personal bankruptcy closed over a year ago. I kept my family car and have continued to make the payments to GM Financial. 

Today, I called GM Financial and asked to reaffirm my auto loan. I was told it is too late because my bankruptcy is closed. According to XXXX ( ID # XXXX ), reaffirmation paperwork was not sent to my attorney during the bankruptcy, even though my account indicates I intended to keep the car and make payments. 

Now, I am stuck in a high interest auto loan because GM Financial gave XXXX XXXX the wrong impression about the status of my car. Help me please!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
They keep putting names that I do not go by on my credit file and let people pull my report with names that are not mine they are to remove the name that i do not go by or be sued for false information contain in my credit file the report is to have accurate information the names are not accurate remove the names at 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 explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK
State: TX

Complaint narrative:
1. Discover FIN SVCS XXXX account opens on XX/XX/2021 with the balance of XXXX 2 XXXX XXXX account opens on XX/XX/2021 with the balance of XXXX I have no knowledge about these 2 accounts. 
I do not have the full statement of these accounts. These are all information I have from XXXX  credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 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: PA

Complaint narrative:
Ny name is XXXX XXXX I am writing to delete the following information in my file. The items i need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal trade commission and i have also enclosed copies of the federal trade commissions Identity theft affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: U.S. BANCORP
State: LA

Complaint narrative:
dear sir, the problem being that i submitter a payment from XXXX XXXX in XXXX, louisiana of XXXX to authuris this payment to XXXX/us bank , on about XXXX instead they were 2 seperate transferes on the same day within a short amount of time and another transfere of XXXX was transfered from my account @ XXXX, i want XXXX returned to my account, i only authorised one payment of XXXX.called XXXX for assistance and was turned over to someone i could not understand what the problemi is or how to fix it, ... ... ... because of this, there will probaly be checks that will bounce..please help out, i live on social security and every dollar counts, i am a old vetran trying to live in this world to see my grand child before i die. XXXX XXXX The name of the supervisor I am dealing with at US Bank is XXXX XXXX phone number 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 monetary relief
Consumer complaint received 2021-08-11 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: CA

Complaint narrative:
Help, Help, Help. 
Equifax Credit Bureau Company is ruining my credit score and having my credit report full of false information. XXXX  XXXX XXXX XXXX, XXXX, notified me today, on XX/XX/2021, that Equifax XX/XX/2021 had lowered my score and added a negative statement to my report. Equifax has lowered my score and ruined my report because the company received information from XXXX  ( The Mortgage Company ) that my account is delinquent. I do not have any delinquent accounts ; I repeat, I do not have any delinquent accounts. I am attaching all the official letters for the investigation. I worked hard all my life to maintain a good credit score and to have an excellent credit report. Equifax Company must stop building its decisions on false information. The company has to change back my score and report to where it used to be.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 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:
Sent a letter on XX/XX/2021 and sent another letter on XX/XX/2021 in regards to the first letter where I received no results or any certified copy of proof of debt.

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 2021-08-11 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: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
To Whom This May Concern, This my second reaching out to these company 's through your Company .Both of the accounts have been deemed closed by your Company. I demand for the company 's to reach out to the credit bureaus on removing the Closed accounts and updating my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 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: AL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 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 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: FL

Complaint narrative:
I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
A notice was sent out XX/XX/2021 for them to remove previous address, jobs, and missed spelled name to be updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 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: SC

Complaint narrative:
Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2021 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 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: TX

Complaint narrative:
FCRA and FTC Violation ... I have contacted Experian on two separte instances by certified mail ( XX/XX/XXXX and XX/XX/XXXX ) requesting their investigations into these two collection account that appears on my credit report ( XXXX XXXX XXXX XXXX Acct XXXX XXXX & XXXX XXXX XXXX  Acct XXXX XXXX. I have requested full validation of these two accounts and asked Experian to show my signature on the account. As of today I have not received anything back from the credit bureau. Since it has been more than 90 days of my request for validation of the collections, I am demanding the removal of these two collections from my report by Experian.

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 2021-08-11 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: ARVEST BANK GROUP, INC.
State: CA

Complaint narrative:
Help, Help, Help. 
Arvest Central Mortgage Company is ruining my credit score and having my credit report full of false information. My Credit Monitor Company, XXXX, notified me today, on XX/XX/2021, that Arvest informed XXXX that my account is past due, and I am not. XXXX  had lowered my score and added a negative statement to my report. XXXX  also reported that my account is delinquent. I do not have any delinquent accounts ; I repeat, I do not have any delinquent accounts. I am attaching all the official letters for the investigation. I worked hard all my life to maintain a good credit score and to have an excellent credit report. Arvest Central Mortgage Company must stop sending false information. The company has to change back my score and report to where it used to be.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
XXXX did not verify debt after multiple letters sent to them

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
To whom it may concern, My name is XXXX XXXX reside in the XXXX XXXX  Florida. I had open credit card with bank of america and was pain the credit card with good standing until i was let go from my employment in XXXX and i was still paying with good standing until XXXX and then the pendemic hit here in Florida and i missed to month of payment. I then called bank of america to withdrawal the money from my checking account to later get a letter from a collection company. I can't recall the collections company 's name but that's who i was making payment 's to. Bank of america closed the account on, XXXX, XXXX XXXX.I was in the impression that my payments where being withdrawal by bank of america but it was not so. Then I receive a letter from this company that calls them self XXXX XXXX  XXXX that they are an attorney at law firm representing bank of america. On XXXX, XXXX XXXX some papers where left for me regarding a lawsuit by cooling and winter for the amount of XXXX plus court feeds which totals to XXXX dollars that i can't afford to pay with everything that is going on today. I had a hearing today with the court and try to settle with the so-co attorney but he would not want to settle for the amount of {$3000.00} dollars which is more then what they pay for the account when they purchased. I now have a trial date for XXXX, XXXX XXXX and can't afford to pay for an attorney. This is really disturbing that am being sued by a company that i don't even know and the state is allowing it. Can someone please help 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 explanation
Consumer complaint received 2021-08-11 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: IL

Complaint narrative:
OnXXXX XXXXXXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should XXXX deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 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: Credit Bureau Services Association
State: TX

Complaint narrative:
CREDIT BUREAU SERVICES ASSOC is in violation of my privacy rights under HIPPA Law. I have continuously asked CREDIT BUREAU SERVICES ASSOC to provide me with a signed HIPPA release and they have continuously avoided my request but have sent private information about my injury and procedure. These accounts need to be removed from my credit file immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Numerous inquiries if unknown sources Late payment on student loans Student loans Reporting of Bankruptcy

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 2021-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Syncapay, Inc
State: FL

Complaint narrative:
Good afternoon, I received a prepaid reward card from XXXX for {$220.00}. It expired on XX/XX/2021. I wrote to XXXX to ask for the card to be re-activated, or have the account closed and a check sent to me, which could be done for a fee. I referenced the CFPB statement on expired prepaid cards and provided the link as well. I received a response ( see attached ) which directed me to the online redemption website to see if the card could be re-issued. I did that and was informed that the card was expired and could not be replaced ( see attachment ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Bureaus, Inc.
State: OH

Complaint narrative:
XXXX did not verify debt after multiple letters sent to them

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: CURO Intermediate Holdings
State: VA

Complaint narrative:
Speedycash.com claimed to have given me a loan that I have never applied for or received. Tried to dispute with them through XXXX XXXX, and no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 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: OH

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
In XXXX I secured a loan to finance my daughter 's education. In XXXX Sallie Mae XXXX now operating as Navient ) contacted me to refinance at a reduced interest rate with more favorable terms. The Navient caller assured me that a full accounting of past payments and charges would be submitted to me as soon as possible to reflect my new balance of {$20000.00} as of XX/XX/XXXX. To date this reconciliation has never been submitted to me I have made written requests, phone calls and pleaded for a response. I was told a letter had been sent and requested a copy of this letter. I even offered to pay for the cost of sending it by registered mail. To date - no receipt of such letter from Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 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:
Sent a letter on XX/XX/2021 and sent another letter on XX/XX/2021 in regards to the first letter where I received no results or any certified copy of proof of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 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:
Sent a letter on XX/XX/2021 and sent another letter on XX/XX/2021 in regards to the first letter where I received no results or any certified copy of proof of debt.

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