vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Synovus Bank
State: LA

Complaint narrative:
I made a payment to First Progress by phone on XXXX/XXXX/2020. The only other way to pay is via XXXX  XXXX  or through my online banking. There is no way to pay directly online. This means that in order to prevent the payments from arriving late, I have to make the payment 2-3 weeks prior to the due date. That is not always possible for me because of cash availability and should not be a requirement. When I called to make the payment, I told the representative to collect the {$10.00} fee that they charge to make payments over the phone. I believe that {$10.00} to allow me to make a payment is excessive, but I didn't want to pay any late fees or have a late payment reported to my credit report. The representative did not take add the {$10.00} fee to the payment I made which left a {$10.00} balance that I was not aware of until I had a 30 late payment. I called to have the issue resolved, and they required me to send a letter. I sent a letter via us mail and they replied via us mail that the information is correct and they will not be making any changes to my account or to the reporting of my account. 

I don't understand why I am being punished for the error of the representative I paid {$10.00} to take my payment. I never checked because I believed I had a {$0.00} balance and had not used the card again. This inaccurate reporting is directly negatively impacting my quality of life. I talked to a friend of mine that told me a lot of people are suffering because of what first progress is reporting and the neglectful customer service we are receiving.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 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: NJ

Complaint narrative:
XXXX XXXX  / XXXX and Experian are reporting an account on the credit report that I have been trying to have updated or removed for specific reasons. My rights are important to me and understanding that they are deliberately ignored is not something that I am okay with. 
There is an account with XXXX  XXXX and this account has a lot of missing fields, inaccurate balance, payment amounts and payment months. I wrote to Experian so they can communicate with XXXX and all they did was confirm they received the dispute and leave the information reporting. I have a screenshot of the errors and have highlighted them problems. 
An investigation already should have taken place so the account should report accurate and up to date information. There should be no investigation happening now unless they lied about the previous investigations they said they had. Either one still violating the fcra that protects against type of abuse in reporting. This account needs to be removed promptly. I need a response from Experian and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: OR

Complaint narrative:
I received a notice on XX/XX/XXXX that I had won a sweepstakes along with a check for {$12000.00}. The notice included the contact number of a claims agent ( XXXX ) and instructions to call. I called the agent ( XXXX XXXX ) who told me to deposit the check on Monday  and call him for further instructions. I checked on the issuer of the check which was a legitimate insurance company. I deposited the check on Monday  and it cleared the bank in four hours. I then called XXXX XXXX, who told me to purchase {$7800.00} in money orders and overnight them via XXXX to XXXX XXXX, XXXX XXXX XXXX, XXXX IN XXXX ; he would call me upon receipt of funds. On XX/XX/XXXX I received no call and became suspicious, so I contacted the bank. They informed me that the check had cleared, but that I should " keep an eye '' on my account if I had any concerns. 

That evening I checked my account and discovered the check had been returned. This morning I called the bank, which informed me that the reason for the return was " return to maker ''. This of course means that I have lost {$7800.00} in my own personal funds. I am upset that the bank did not advise a hold on the check or provide some other verification as to the legitimacy of this check. This lapse in vigilance and security was just enough to provide a window for the scammers to bilk me out of {$7800.00}.

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 2020-12-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: VA

Complaint narrative:
I am a retired XXXX XXXX and I recently lost my husband to XXXX. As a result, I contacted our mortgage holder, US Bank to retitle and refinance my home. 

The outstanding loan balance is {$320000.00} and the new mortgage payment is expected to be approximately {$1900.00} a month for a 20-year mortgage. I am exempt from property taxes because my husband XXXX  from a XXXX XXXX  XXXX. 

I have regular monthly pension and veterans administration survivor benefits totaling approximately {$4300.00} a month, in addition to part-time income as a result of occasional work with the school system. 

I also have savings of approximately 6.6 times the mortgage balance. 

I completed the mortgage application on XX/XX/XXXX, and proceeded to work with XXXX XXXX and XXXX XXXX to pursue the application. 

US Bank ultimately rejected my application and kept my {$390.00} application fee. Additionally, all title work on the home was lost. 

During the process, I was asked for the same information over and over again. The process was opaque, and no one seemed to know whether my application would be approved or not. I was 'pre-approved ' and then 'almost final approved ' and then told my application was going to be cancelled. 

I found this to be extremely stressful. The first US Bank employee I contacted was rude, bordering on mean, and she either intentionally or accidentally disconnected our call. XXXX and XXXX were both polite, but when I expressed my frustration to them via email ( attached ), they were completely unresponsive and never even acknowledged my email, or my concerns. I often found myself nearing tears because of the experience. 

I was amazed by how poorly I was treated, and I can't imagine US Bank submitting other widows, like me, to the same abuse.

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 2020-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
A fraudulent checking account was opened online in Arizona on my name next to my business account in TD bank on XX/XX/XXXX. The bank tried to verify this account with a fake phone number provided. When they couldn't verify it, they froze my XXXX account and when my XXXX  complained about bouncing checks I found out that ther e was a problem in mid XXXX. Initially there was {$480.00} deposited on XX/XX/XXXX and then a check was written for {$430.00} on XX/XX/XXXX. then {$10.00} was paid on XX/XX/XXXX and the ending balance on XX/XX/XXXX was {$34.00}. 
The bank completed the investigation and closed the fraudulent and my XXXX  accounts. Gave me a case # and recommended to contact police for a report and websites dealing with identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 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:
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 also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
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 also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible

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 2020-12-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am writing in regards to my rights being violated with all three credit bureaus, XXXX, XXXX  and TransUnion. I have a inaccurate information on my report that I have tried on numerous of times to dispute with the three bureaus and they will send me back a report stating it was verified. Upon the letters claiming to be verified, I asked not to be verified by the e-Oscar system, that they need to provide me with the information verified from the creditor. Therefore I am writing to you to report the three bureaus have violated my rights and I would like for these unverified, and inaccurate items to be removed from my report. attached are the letters that were sent to the credit bureaus. I didn't receive a answer from some of the credit bureaus. I have sent many letters for them to delete these unverifiable and inaccurate information. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 2020-12-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I was charged by great value vacations XXXX on XX/XX/XXXX On XX/XX/XXXX they sent me an email that they canceled my trip due to covid. They wanted to give me a voucher but i want a refund. 

I wrote them that i wanted a refund on XX/XX/XXXX and they never responded Since they canceled the trip i should get the refund as I was ready to go in XXXX My other credit card XXXX XXXX disputed the amount for the portion i put on that card and that was for {$3800.00} and they were able to refund my money I can email my docs

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 2020-12-11 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I submitted CFPB complaint XXXX regarding my phone number. Experian responded to the complaint and said they would update my phone number. Experian updated my report with the wrong number. In the original complaint referenced above I confirmed my correct phone number which is XXXX. Experian added 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 non-monetary relief
Consumer complaint received 2020-12-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I was emailed by XXXX  yesterday about a change in credit score due to an outstanding debt that I have on my record. I found it odd, since I have never missed a payment on any of the debts that I owe. I checked and see that I have an outstanding debt balance of {$3800.00} originating from a company called ( I C SYSTEM INC ) that I do not recognize. 
I requested XXXX  to dispute this and see it was originated from XXXX XXXX XXXX. I have never used XXXX XXXX XXXX as a carrier before and have never received any type of documentation regarding this matter. 
It states this was opened in XXXX of this year, but XXXX XXXX was in a state of lockdown during that time, so I have no idea where or how this could have happened. As a result of this my credit score dropped from XXXX to XXXX ... 
This is a charge that I am completely unaware of and it is affecting me financially, especially during these hard times.

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 2020-12-11 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:
I reach out to XXXX XXXX  XXXX XXXX XXXX XXXX department as well as i made attempts to reach out to the credit bureaus to establish multiple dispute/good will letters, giving explanation of what happen to me in result of me falling behind on my auto payment but it hasnt been a very helpful process so im now reaching out to other agencies to get consumers resolution. 
In XXXX I was disanosed with XXXX XXXX few weeks later then was admitted to hospital out of work for 3 months this is the only reason why I feel behind I apologize for the inconvenience, and I know that this situation is no ones fault but my own. I have enjoyed our business relationship and have made a renewed commitment to paying all my bills on time moving forward. I was wondering if you would be willing to make a goodwill gesture and remove the late payment from my credit reports. XX/XX/XXXX, XX/XX/XXXX account # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 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:
I reach out to XXXX XXXX XXXX XXXX XXXX XXXX department as well as i made attempts to reach out to the credit bureaus to establish multiple dispute/good will letters, giving explanation of what happen to me in result of me falling behind on my auto payment but it hasnt been a very helpful process so im now reaching out to other agencies to get consumers resolution. 
In XXXX I was disanosed with XXXX  XXXX few weeks later then was admitted to hospital out of work for 3 months this is the only reason why I feel behind I apologize for the inconvenience, and I know that this situation is no ones fault but my own. I have enjoyed our business relationship and have made a renewed commitment to paying all my bills on time moving forward. I was wondering if you would be willing to make a goodwill gesture and remove the late payment from my credit reports. XX/XX/XXXX, XX/XX/XXXX account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 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:
I reach out to XXXX XXXX XXXX XXXX XXXX XXXX department as well as i made attempts to reach out to the credit bureaus to establish multiple dispute/good will letters, giving explanation of what happen to me in result of me falling behind on my auto payment but it hasnt been a very helpful process so im now reaching out to other agencies to get consumers resolution. 
In XXXX I was disanosed with XXXX  XXXX few weeks later then was admitted to hospital out of work for 3 months this is the only reason why I feel behind I apologize for the inconvenience, and I know that this situation is no ones fault but my own. I have enjoyed our business relationship and have made a renewed commitment to paying all my bills on time moving forward. I was wondering if you would be willing to make a goodwill gesture and remove the late payment from my credit reports. XX/XX/XXXX, XX/XX/XXXX account # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Dear Manager ; ***please see the attachment**** Im really shocked on what Im seeing right now! - If you see this negative account listed below on my credit report, you will noticed that there is no way that this account was indeed investigated truthfully through your organization. 

For example ; this XXXX XXXX # XXXX thats reporting on my credit report as a CHARGE-OFF / COLLECTION is claiming to have a 3 DIFFERENT HIGH BALANCED, 3 DIFFERENT DATES OF LAST ACTIVE, 3 DIFFERENT DATES OF LAST PAYMENT, REPORTED ETC. Also youre reporting the account closed but you have failed to report or list the closing date or date of 1st delinquency which determines when this account drops off my credit report.. As you know the aforementioned inaccuracies, misleading, and incomplete information is a violation of my rights as a consumer, and also clear indication that this information was never truthfully verified by your agency upon receiving several of my previous disputes. I have faith in your organization to be an outstanding company and protect the rights under the provisions of FCRA. As screenshot of my credit report below, please send me updated copy of my credit report with the above deletions reflected. Ive asked on several of my dispute that creditor was required to send me specific paperwork within a certain period of time regarding where it was sold and the balance on the account, because upon reviewing my credit, I have noticed so many discrepancies with the way it was reporting including questionable balance, questionable and inconsistencies of dates of last active, last payment, last reported, etc. 

Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

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