vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-31 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: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 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: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND 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 explanation
Consumer complaint received 2020-07-31 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: GA

Complaint narrative:
I submitted all proper documentation in reference to my Identity Theft claim on XX/XX/2020 ... and nothing has been done per FCRA section 605B in regards to identity theft. I was a victim of Identity Theft, I submitted an ID THEFT AFFIDAVIT and POLICE REPORT in regards to the fraudulent accounts that have been listed in my name ... per Section 605B, these accounts should BE blocked and or removed during the investigation process, yet all 3 bureaus continue to report these items furthering the damage already done to my financial future.

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 2020-07-31 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Patenaude & Felix A Professional Corporation
State: MO

Complaint narrative:
XXXX  XXXX  keeps calling and writing about a debt they acknowledge in their written communications that they can no longer sue me for or report to a credit agency. If it is too old to collect, they need to stop contacting me. This is what they state " The law limits how long you can be sued on a debt. Because of the age of your debt, National Collegiate Student Loan Trust XXXX can not sue you for it and this debt can not be reported to any credit reporting agency. XXXX XXXX, XXXX can not sue you on this debt and XXXX XXXX, XXXX can not report this debt to any credit reporting agency. '' They need to stop contacting me. This is harassment. I am not stupid enough to start the clock all over again by sending them any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC.
State: GA

Complaint narrative:
I had an older internet service debt, estimated to be from XXXX. The collector completely removed it from my account and then re-aged the debt claiming it was from XXXX. This dropped my score quickly, as it was considered a " new debt ''. This practice could cost me my home mortgage loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: AES/PHEAA
State: FL

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX {$100.00}, {$100.00}, {$27.00}, {$9.00}, {$90.00}, {$51.00}, {$82.00}, {$42.00}, {$82.00}, {$140.00} XX/XX/XXXX {$100.00}, {$100.00}, {$27.00}, {$9.00}, {$90.00} {$51.00}, {$82.00}, {$42.00}, {$82.00}, {$140.00} FILED A DISPUTE OF FALSE INFORMATION BEING REPORTED AS TO PAYMENT HISTORY AND LATE PAYS NEVER BEEN LATE WITH PAYMENTS ACCOUNT REMAINS IN DEFERRMENT WHEN NOT WORKING OR WHEN IN SCHOOL FEDLOAN SERVICING XXXX {$570.00} XXXX {$4100.00} XXXX {$1500.00} XXXX {$1600.00} XXXX {$2300.00} XXXX {$9500.00} XXXX {$1200.00} FILED A DISPUTE OF FALSE INFORMATION BEING REPORTED AS TO PAYMENT HISTORY AND LATE PAYS NEVER BEEN LATE WITH PAYMENTS ACCOUNT REMAINS IN DEFERRMENT WHEN NOT WORKING OR WHEN IN SCHOOL SAME ISSUE WITH BOTH LOAN COMPANIES THEY ARE REPORTING INACCURATE INFORMATION ON MY CREDIT REPORT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-31 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: VA

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : US BKPT CT VA XXXX, U.S. Bankruptcy Court

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 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: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
On my credit report Toyota motors on 2014 put a late payment ... ..I would like this removed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX  and TransUnion credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts are not mine.

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 2020-07-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : US BKPT CT VA XXXX, U.S. Bankruptcy Court

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 2020-07-31 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: VA

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : US BKPT CT XXXX XXXX, U.S. Bankruptcy Court

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 2020-07-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Once again I am requesting Santander to provide me with a copy OF ALL DOCUMENTATION I signed when I bought the car. The request includes the CREDIT APPLICATION information used to approve the LOAN. 
The documents sent regarding the sale have only 5 pages. I need ALL PAPERS THAT I SIGNED! Especially the Credit Application. I tried to make this request over the phone with the attendant XXXX employee ID XXXX at XXXX XXXX IN XX/XX/2020, but he put me on hold and didn't answer my request. The call was recorded for 8 minutes and 57 seconds and ended by me for lack of communication. 
Remember that all my contacts are up to date on your system. Address, Telephone and E-MAIL, no customer service representative attempted to contact me as stated in the previous CFPB demand response. I would appreciate that if answer, replies would be send to my personal email. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
Our XXXX year-old son applied for a Marcus online savings account. He was denied. I recommended he call them to see why. Apparently, Marcus told my son they did not know why he was denied. After reading the CFPB website information this morning ( XXXX ), I called Marcus ( with whom I have an account ) and asked if their practice was to provide to someone denied an account the name of the third-party reporting agency Marcus used that resulted in the denied application. The Marcus supervisor told me that, for security reasons, they can not provide the third-party reporting agency to said person. I asked the supervisor how someone could remedy the situation if they can not contact the third-party reporting agency to verify report information. The supervisor could not help me. So, my question is, " Does Marcus by Goldman Sachs provide third-party reporting agency information to individuals denied an online savings account? '' Thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Payment Resolution Services
State: MD

Complaint narrative:
XXXX claims that they paid for two services ( XX/XX/XXXX, {$230.00} & XX/XX/XXXX, {$91.00} ) in excess of the maximum allowed by my plan and they are attempting to get these amounts back from me. 

I have spoken to XXXX representative on several instances ( in excess of 10 calls ) explaining why I shouldnt have to pay these amounts. On each instance, I have been repeatedly assured that yes, I dont need to pay the amount and that this issue has been resolved. I was also provided with a confirmation number of the issue being resolved ( XXXX common purpose ). But for some reason, XXXX through Payment Resolution Services ( PRS ) has been trying to collect on these amounts. I have also been on the phone with PRS on more than 3 occasions explaining the situation. I was initially informed that they have reached out to XXXX about the collection and that I dont have to worry about the collection notice. During my last call they said, XXXX has not responded and that i needed to call XXXX and ask for something in writing on their letter head. The XXXX customer representatives on the phone, however, do not have the authority to provide this in writing and they cant seem to get me to someone with the authority. 

At this point, I am having to deal with these collection notices every two months and having to take time out to sit through lengthy phone calls explaining the same story over and over again but no one seems to be able to help. While the amounts themselves are not high, after all the time I have spent trying to resolve this issue, i think it is unfair to have to finally succumb and pay this amount that I do not owe. XXXX and PRS have their own systems that are not communicating with each other and I am caught in between. This is highly frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 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: Santander Consumer USA Holdings Inc.
State: AL

Complaint narrative:
Attempting to have santander account remove due to recent law suit. No luck with XXXX and sayander keeps saying call attorney General. Sent info to XXXX with letter from attorney General and still reporting negative info. Info is supposed to be romped from report due to preditorial practices made by santander

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
I opened both a checking and savings account with Citizens Bank, XXXX Ohio XXXX on XX/XX/XXXX ... ... this year. This was the last day to take advantage of a promotional offer for a cash bonus. It was {$200.00} for the checking and {$300.00} for the savings, and a additional {$100.00} if all requirements met, after 3 months. {$600.00} total.The checking required {$500.00} Direct Deposit within 30 days and every month for 3 months. I had that in, within 1 month and every month thereafter. The savings was to deposit {$15000.00} and maintain that for 3 months, which I did as well. Also they wanted at least 1 random miscellaneous checking checking account deposit of any amount every month for 3 months as well. That was done by me as well. I had received a mail flyer about promotion months earlier, to my home address, however it was misdelivered ( not my name and address ) and then managed to misplace and lose it. I was interested in it so I stopped by the branch and inquired about my being able to participate with out invitation. The Relationship manager told me a code is needed to start application process. She said she could pull up unused codes locally and did so using one from my own street. The caveat was, ... .she said sometimes they are honored and sometimes not? The promotional period went by, I called in late XXXX. Officer said to do so if had not received by then. I was routed to call center offshore and and was told everything was in order by XXXX and it would be deposited by XX/XX/XXXX. That didn't happen, so in first week of XXXX I called again, and next guy at call center was giving me the run around and needed to connect me to some sort of account specialist. This gal from the states eventually told me she need to investigate further ... and would get back to me. She got back to me a few days later and said I would not be able to get promo reward because code was invalid ( It didn't ) match my address. My point is ... ... these codes are really a random aggregate of letters and numbers ... ... really for what? more importantly, I met all the stipulations and requirements put forth, and this Relationship manager told me others had gotten the reward after having applied this way! I feel VERY strongly that I deserve this money ... .and would like to have it. Needless to say, I have closed these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: IN

Complaint narrative:
The mortgage company Mr. Cooper has failed to pay my property taxes out of my escrow. The company failed to pay the taxes last year, and I literally had to argue with them to get the pay XXXX taxes paid, which didn't happen until XX/XX/XXXX. Now they've failed to pay the XXXX installment and again I am arguing with them to get taxes paid. I've had numerous phone conversations. A promise to have the delinquent taxes and late fees paid by XX/XX/XXXX was not met. I don't know where to turn to get help. Reading many comments online, it seems customers often run into this problem with Mr. Cooper.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 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: MD

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, U S DEPT OF EDXXXX, XXXX XXXX Company Inquiries : 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 2020-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: PR

Complaint narrative:
FOR THE STATEMENT OF XXXX ( XXXX TO XXXX ) I REALIZED THAT CITIBANK HAD REDUCED MY CREDIT FROM {$1500.00} To {$900.00}. I DID NO RECEIVE ANY NOTIFICATION AND BEFORE MAKING THIS COMPLAINT, CALL CUSTOMER SERVICES XXXX XXXX # EMPLOYEE # XXXX. THEY SAY THAT THEY DO NOT KNOW THE REASONS THAT A LETTER WAS SENT TO ME IN ANY WAY.THIS CITIBANK COMPANY HAS AFFECTED MY CREDIT IN UNUSUAL WAY. PAID MORE THAN THE MINIMUM REQUIRED AND NEVER HAD A PAYMENT IN ARREAR. THIS AFFECTED MY SCORE FROM XXXX TO XXXX AND THEREFORE MY CREDIT IS AFFECTED AND IT HAS DAMAGED ME, DAMAGE TO BUY A VEHICLE.THIS DECISION IS ALSO MADE BECAUSE I HAVE MORE CREDIT CARDS WITH CITIBANK AND THEY NEVER DID THE SAME WITH MY CREDIT CARD. CREDIT WITH THIS BANK HAVE EXCEED 50 % THE LIMIT. 

I WILL OPEN ANOTHER CASE WITH ANOTHER ACCOUNT FROM THIS SAME BANK. I ALREADY CONSIDER DISCRIMINATORY.

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 2020-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: AXOS FINANCIAL, INC.
State: CA

Complaint narrative:
XXXX # XXXX Applied to open account over 2 months ago prior to today 's date of XX/XX/20. Received a preliminary approval and have been signet for two months. They have my information and important documents, no call or email back and total lack of professionalism on their behalf. 


Axos Bank in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Source Receivables Management LLC
State: GA

Complaint narrative:
I paid a debt owed of {$280.00} however its still reporting negative on my credit report. Debt has already been paid

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Thaxton Investment Corporation
State: TN

Complaint narrative:
Im XXXX XXXX XXXX, and they contacted my mother out of state and told her what I owe and the full amount I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I want to link my account to invest in some stocks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 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: AR

Complaint narrative:
I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 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: AR

Complaint narrative:
I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.

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