vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Citibank offered XXXX bonus for XXXX new money deposit earlier this year ( XX/XX/XXXX ). I deposited the XXXX and never received my bonus. I chatted with them back in XXXX and they said I would get it after 90 days. It has been more than 6 months and no bonus. They continue to offer bonus offers but never paid out mine. This appears to be misleading terms. I would like to be paid the XXXX bonus I was offered. The company called me today, XX/XX/XXXX, to say they have no record of my bonus and will not be paying me but they have had the XXXX in net new money in their hands for more than 6 months.

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 2021-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Westlake Services, LLC
State: CA

Complaint narrative:
They are not reporting my credit at all. They say I only will have credit. W them. Company I bean making payments in time n I still have XXXX credit. For XXXX year already .this company name. Westlake financial services ..they said they can't report. Because. I have itin #. No a ssc

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 2021-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am a victim of identity theft.. someone has a credit card in my name... Someone received an auto loan under my name .. they tried to open a bank account.. I have a XXXX XXXX in New Jersey and I have never been there

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 2021-12-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC
State: TX

Complaint narrative:
In late XXXX, requested loan to be put onto COVID CARES Act forbearance effective XX/XX/2021 due to financial impact in our household. As we were going to and had listed to the home for sale. We get notified in early XXXX of the account being reported late. Assuming this was an error or a delay in COVID processing, we called, restated that we were impacted and that we had also sold the home. They requested us to email them, which we did on XX/XX/2021. 

They are refusing to update the account to properly provide this account via the CARES Act protections, as now our account is fully paid and they do not want to backdate the protections and then update our credit reporting properly, as required by law. 

Here is a copy of my email to them on XX/XX/2021 also documenting my call on XX/XX/2021, since there is no documentation of my call in XXXX with them. 

XXXX XXXX : XXXX XX/XX/2021 - file completion XXXX Hi, I am writing after my phone call on XX/XX/2021 regarding my account and the credit delinquencies that are showing on our ( borrower and co-borrower ) credit with all three reporting agencies. 

As discussed, I, XXXX XXXX, the primary Borrower became financially impacted due to XXXX. This lead to a decision to list and sale the house, which closed on XX/XX/2021. However, when I called previously in XXXX, to let you know I had been financially impacted by XXXX, I also stopped my autopay payments, as I understood my account would be set up effective either XX/XX/2021 or XX/XX/2021 on a COVID CARES Act forbearance. This allowed me to retain the funds to do small repairs, etc. to list and ultimately sale my house, while going through this pandemic impacting my financial resources. 

Come to find out, both myself and my co-signer, who is also my father, XXXX XXXX XXXX, have had a 30 day roll reported, which drove me to call in on XX/XX/2021. Therefore, as requested, I am emailing to request that my account be setup on CARES Act effective XX/XX/2021 to remove the credit delinquencies from our credit reports, especially since my home closed on XX/XX/2021, and to report our loan current for all months. 

Your firm has always been great to work with and I am sure this is just an incidental oversight, given the impact the COVID pandemic has had on our world and those like us, struggling to get beyond this pandemic, driving unprecedented volumes into your call centers. 

Thank you for all youve done to service my loan and thank you in advance for getting our credit back to current to reduce a new 7 year impact on our credit at time, when financial stress is already high. 

Please let us know if you have any additional questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 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: PA

Complaint narrative:
After communicating with XXXX XXXX from XXXX XXXX  XXXX XXXX XXXX XXXX team XXXX days later. He sent me over a contract with the signature that is NOT mines also the address is incorrect. This erroneous contract did not have my apartment number on the contract the debt they claim I owe. I tried telling them that multiple times to delete this invalidate dept from my credit report neither creditor or XXXX, XXXX and TransUnion failed to comply. I wanted this account deleted my account immediately after I realize its on my credit report in addition of these agency is in violation of 15 USC 1692g.

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 2021-12-27 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: PA

Complaint narrative:
After communicating with XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX team XXXX  days later. He sent me over a contract with the signature that is NOT mines also the address is incorrect. This erroneous contract did not have my apartment number on the contract the debt they claim I owe. I tried telling them that multiple times to delete this invalidate dept from my credit report neither creditor or Experian, XXXX and XXXX failed to comply. I wanted this account deleted my account immediately after I realize its on my credit report in addition of these agency is in violation of 15 USC 1692g.

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 2021-12-27 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: FL

Complaint narrative:
Since XXXX of 2021, I started trying to fix this issue. There are accounts and personal information that are showing on my credit report that are not mine. Letters was sent to the XXXX credit bureaus, XXXX, Equifax and XXXX on XX/XX/2021 and XX/XX/2021 but nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 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: FL

Complaint narrative:
Since XXXX of 2021, I started trying to fix this issue. There are accounts and personal information that are showing on my credit report that are not mine. Letters was sent to the XXXX credit bureaus, Experian, XXXX and XXXX on XX/XX/2021 and XX/XX/2021 but nothing has been done.

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 2021-12-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: ME

Complaint narrative:
I have XXXX in my paypal balance that has been there for over a year but they will not allow me to transfer, receive or do anything with the balance. I just receive a message that states I can not use paypal anymore and that my my balance will be help for 180 days. It has been over twice that waiting period and I have not received an email or have access to the funds

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2021, I used the bank ATM to deposit some checks into my checking account at the Chase Bank located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. The ATM gave me an error message and then printed out a number that I would need to call. I went inside and the bank teller informed me that they could not do anything and that I would need to call the provided number. When I was finally able to reach and agent they informed me that they would need XXXX weeks to resolve the issue. Once the XXXX weeks passed I called back and the agent on the phone said that they would need another XXXX days and that went on for another XXXX weeks. I went back to the actual bank and the teller that helped me on the day the incident occurred and she gave me a copy of a document that lists out all of the checks that the ATM technician removed to the machine that were not deposited into my account. I once again tried calling the customer service line and the agent told me that they were going to close the case as there was no proof of the incident, even though I have the missing check information with me. It has been more than a month there still is no clear resolution to this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-27 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: MS

Complaint narrative:
To Whom It May Concern : This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. While checking my most recent credit report, I noticed credit inquiries that I did not authorize. I am distressed that you have included the below information on my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. According to the FRCA, unauthorized inquiries should be removed immediately.

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 2021-12-27 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Genesys National Recovery, Inc.
State: PR

Complaint narrative:
I enrolled in the XXXX gym in XXXX. 
For XX/XX/XXXX, request by phone that I be unsubscribed from the membership. In XXXX I requested it again and they charged me nothing until XX/XX/XXXX without me going to the gym {$43.00} every month plus the membership of {$44.00}. Several times I called and to have the membership canceled and nothing. 
I closed the option in my account for debit and in XX/XX/XXXX, without sending a letter or anything, they call me from a Genesis Collection Agency and they tell me that they are going to seize me and damage my credit for not paying something that I have not used. I explained and requested the investigation of my case and nothing has continued calling without solving my request. I need help, They want me to go to the gym in times of pandemic and they want to force me and I don't want to go. 
Last week I got a call from the gym saying that if I sign a new 2 year contract, they will eliminate my debt at the collection agency. Please help me, I'm desperate. Thank I include a certified letter that I sent to the gym and the collection agency and never received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: FL

Complaint narrative:
On the XXXX of XXXX, I went to the XXXX gas station On XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX and tried to withdraw XXXX, from a PNC BANK ATM using my XXXX XXXX. I then realized I had to move my money out of my savings account to my checking first. So I canceled the transition. Using my cell phone, I moved the money out of savings into my checking account put the card back in the atm ask for the XXXX an waited! ( Nothing came out ) so I reopen my XXXX XXXX looked in my checking account to find the money was gone then looked back at the atm to see a statement saying Temporary out of service I took a picture and then called XXXX a investigating was started Hi XXXX XXXX, We have concluded our investigation of the following dispute : Transaction Details Case Number XXXX Amount {$200.00} Merchant ( XXXX ) PNC BANK We have completed our review and have determined that no credit is due. The transaction will remain on your account because : The ATM provider confirmed the funds were dispensed for the amount requested ; there is no error found in the amount of {$200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Conduent Incorporated
State: AL

Complaint narrative:
I received some past due unemployment benefits and I can't access my card anymore. And I've tried to call and speak with someone XXXX plus times and never get anyone to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: VA

Complaint narrative:
I received a letter at my home for an alleged debt owed to XXXX from 2004. I do not owe XXXX any money from 2004. I am currently a XXXX customer. They acknowledge in the letter that if I had owed the money ( which I never did ) that the statute of limitations has run as the alleged debt is very old. Convergent Outsourcing states that if I were to acknowledge this false debt they could then sue me, and if the false debt is not acknowledged they will report this false debt to the Credit Reporting Agencies. I will respond to them via certified letter but wanted you to know about these erroneous false debt collection practices and their duplicity. I have no idea what they are talking about, I have an 800+ credit score. These people are crooks trying to take advantage of people. It concerns me that they are trying to pass off some numbers as my former account number that I have no way to verify.

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 2021-12-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MI

Complaint narrative:
took payment out of checking they did not have authority to do. mortage was transferred from different lender. last lender paid taxes but current company also paid. changed payment amounts to pay escrow shortage been calling for 3 months got hung up on, and sat on hold for XXXX minutes. they know of over pay but will not change.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I am writing today in regards to my citi card account # XXXX I made all my payments on time it seems that some interest was added once the account was bought to a XXXX balance. I was unaware of this I was out of the country and since to my knowledge no balance remained I had no payments to make on this account. When I reached out to Citi they informed me that they will reverse the charges leaving me with a XXXX balance. Yet they failed to remove the derogatory indicators in XXXX and XXXX of 2021.

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 2021-12-27 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: NJ

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

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 2021-12-27 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: NJ

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

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 2021-12-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am a victim of identity theft. I recently received a copy of my credit report and upon review discovered the following account that was not opened or used by me : BANK OF AMERICA ; Date Opened XX/XX/2021 ; Balance {$8700.00} ; Account Number XXXX. I do not and have not ever lived at the address where this card was sent or used. This is not my account.

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 2021-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I wrote Equifax on XX/XX/2021, requesting removal of a written off XXXX XXXX account with a {$6.00} that is over XXXX XXXX XXXX, but I did not receive a written reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 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: SC

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

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