vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I opened a Citizens bank account in XXXX. According to the bank 's policy, I should be rewarded with a {$400.00} bonus. But the bank only gave me a reward of a {$300.00} bonus.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-25 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I disputed a {$650.00} transaction to American Express in XXXX of 2020 for a transaction that occurred in XX/XX/2020. American Express has continued to close, reopen, close, reopen my case multiple times with no resolution. They continuously tell me that they will have it resolved in 15-60 days but it never happens. The last time I went through this they wanted me to upload a document to their website. However, their website does not allow videos ( it was a voice recording at night where you can hear the bats that are still in my house ). I called back in again explaining and they said oh yes that's just the way it works. I asked for a manager to call me back. They promised one would and then never followed through. It is not right that I am having to dispute this EIGHT months after I originally disputed it. They have not listened to what I have stated multiple times - there was a one year warranty - not on the quarterly pest control services ( they continuously have gotten this mixed up with the {$80.00} dispute I filed at the same time ) - on removal of the bats. It states, " When requested by the customer or deemed necessary by the company additional treatments for wildlife services covered under this agreement will be promptly rendered between regularly scheduled services at no extra charge ... '' I called the company about 5 times between XXXX and XXXX because the bats did not go away. They came out each time - until the last - when they stopped coming or calling. ( A separate part of the company in charge of quarterly pest control called about coming by for their service but never about the wildlife program. That one call and one text which I have proof of were related specifically to pest control - NOT wildlife. ) Please make American Express do the right thing. I have spent in excess of 40 hours trying to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25 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: TX

Complaint narrative:
Hello I sent a letter regarding inaccurate and unknown things on my credit report to this day over 75 days ago on XX/XX/2021. I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Being it has been so long without a response I would like for the items to be removed from my credit report. These accounts are adversely affecting my credit report and costing me thousands of dollars in interest every day and it has been over 75 days so they should be deleted promptly. The accounts, credit reporting and items in question are inaccurate and incorrect and should not be on my credit report because they are not accurate and do not reflect the correct information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25 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: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
I had a Walmart Credit card some years ago with Creditor SYNCB/Walmart. This account was closed a couple of years ago. They reported me living at an incorrect address of XXXX XXXX XXXX XXXX XXXX, NY XXXX and I have never lived in New York. When I googled this address, this is showing as the address to a company called XXXX XXXX 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 2021-07-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I made a monthly Payment of principal, interest, and additional principle prior to the monthly due date. Instead of applying the additional amount as additional principal to reduce the loan balance, the bank held the funds overnight and applied the additional sum paid as an extra monthly payment. As this was misclassified as an additional payment instead of additional principal, the bank charged me interest for the night they held the funds. I have attempted to resolve this with XXXX XXXX, a supervisor at Bank of America, and he has refused to address my concerns.

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 2021-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: PA

Complaint narrative:
Bank assessed several Insufficent funds fee for several transactions that the funds where available for but the system started charging wrongful ODF! Representing found problem but was only able to refund two fees out of several!

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 2021-07-25 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: LEXISNEXIS
State: OK

Complaint narrative:
Please remove all fraudulent bankruptcies 1. They stole the info and didn't have a permisseable purpose to report it. I Wrote the bankruptcy court requesting them to tell you if they reported it to bureaus, they did not, I did not consent to it pursuant to 1681b. ( 2 ) .. I want all of the bankruptcies removed ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
Fifth Third Bank denied loan application for an Equity Flexline of credit. 
The loan was denied after more than 60 days of processing, which included ordering credit reports, requesting proof of cash reserves, a completed appraisal of property, tax returns, proof of income, etc ... 

The decision noted for the decline was " Ineligible property type for second lien mortgage ''. 
First, when asked " property type '' the answer was clear, concise and unambiguous ; 2 unit building. The discussion regarding the purpose of the loan and the property type were well noted. Especially since the property 's current home equity loan is with and to be replaced by Fifth Third Bank. Why would we the owner of the property provide misinformation about the property type knowing that Fifth Third has current loans ( 1st & 2nd ) and can easily verify accuracy? Doesn't make sense! With that said, why did Fifth Third Bank lead us to believe that we were applying for the appropriate loan, all the requirements were met, awaiting limits of credit and a closing date. Therefore, to get this type of reason for a decline appears to be less than honest, collaborative and deceptive lending practice by Fifth Third Bank. In closing, Fifth Third just simply decline ; offered no suggestions, no alternatives and no explanation of how this unthinkable mistake could happen. Why? Perhaps, this type of practice is normal. However, we will not accept this type of treatment. We will work diligently to make our case to all appropriate agencies or bodies until results are equitable regarding this matter!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25 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: MS

Complaint narrative:
I had a XXXX XXXX XXXX some years ago with Creditor XXXX/XXXX. This account was closed a couple of years ago. They reported me living at an incorrect address of XXXX XXXX XXXX XXXX XXXX, NY XXXX and I have never lived in New York. When I googled this address, this is showing as the address to a company called XXXX XXXX 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 2021-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: KY

Complaint narrative:
USAA Bank has notified members they will be 'retiring ' their remote deposit service known as Deposit @ home that allows members to scan a check and submit it for deposit via a computer. They now say we must use a mobile phone or USPS mail neither of which is as secure as the current method. They also say we can use an ATM, but there are few that accept deposits and those are not convenient. 

The Deposit @ Home program must NOT be dropped.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25 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: TX

Complaint narrative:
Hello I sent a letter regarding inaccurate and unknown things on my credit report to this day over 70 days ago on XX/XX/2021. I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Being it has been so long without a response I would like for the items to be removed from my credit report. These accounts are adversely affecting my credit report and costing me thousands of dollars in interest every day and it has been over 70 days so they should be deleted promptly. The accounts, credit reporting and items in question are inaccurate and incorrect and should not be on my credit report because they are not accurate and do not reflect the correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
On XX/XX/2021 someone opened a bank account in person at Santander Bank XXXX XXXX XXXX, XXXX pa XXXX with my I.D but the person looks nothing like me. When I spoke to the branch manager whom opened the account I felt like he was taking up for the person whom opened the account in my name instead of having remorse for me. 
I found it hard to believe a branch manager is that irresponsible to let someone open an account with an ID that looks nothing like them. We trust these banks with our hard earn money beliving we are protected. I feel like he was in on this fraud account and he '' s apart of a scam ring. Because he is the bank manager, he is the ring leader. He wound not give mew any information and was very rude. He almost got into a fight with my husband. I didnt know banks hire thugs. Please if someone can 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 2021-07-25 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: NJ

Complaint narrative:
Back in XXXX my wallet was stolen and I recently in XXXX noticed things on my credit report that are not mine. My wallet at the time had a debit card, social security card, and Identification Card. I filed a police report lately after noticing these accounts because I was purchasing my first mortgage. I have reached out to all three credit bureaus and nothing has been done at this point. I have also filed a FTC report as well. I have done all the necessary steps to get this resolve and need your help.

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 2021-07-25 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: NJ

Complaint narrative:
Back in XXXX my wallet was stolen and I recently in XXXX noticed things on my credit report that are not mine. My wallet at the time had a debit card, social security card, and Identification Card. I filed a police report lately after noticing these accounts because I was purchasing my first mortgage. I have reached out to all three credit bureaus and nothing has been done at this point. I have also filed a FTC report as well. I have done all the necessary steps to get this resolve and need your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25 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: TX

Complaint narrative:
Hello I sent a letter regarding inaccurate and unknown things on my credit report to this day over 70 days ago on XX/XX/2021. I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Being it has been so long without a response I would like for the items to be removed from my credit report. These accounts are adversely affecting my credit report and costing me thousands of dollars in interest every day and it has been over 70 days so they should be deleted promptly. The accounts, credit reporting and items in question are inaccurate and incorrect and should not be on my credit report because they are not accurate and do not reflect the correct information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25 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: NJ

Complaint narrative:
Back in XXXX my wallet was stolen and I recently in XXXX noticed things on my credit report that are not mine. My wallet at the time had a debit card, social security card, and Identification Card. I filed a police report lately after noticing these accounts because I was purchasing my first mortgage. I have reached out to all three credit bureaus and nothing has been done at this point. I have also filed a FTC report as well. I have done all the necessary steps to get this resolve and need your help.

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 2021-07-25 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: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
Wrote company asking for VALIDATION not VERIFICATION no response over the 30 days required to respond under FTC LAWS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25 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: TX

Complaint narrative:
Hello I sent a letter regarding inaccurate and unknown things on my credit report to this day over 75 days ago on XX/XX/2021. I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Being it has been so long without a response I would like for the items to be removed from my credit report. These accounts are adversely affecting my credit report and costing me thousands of dollars in interest every day and it has been over 75 days so they should be deleted promptly. The accounts, credit reporting and items in question are inaccurate and incorrect and should not be on my credit report because they are not accurate and do not reflect the correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25 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: DISCOVER BANK
State: NJ

Complaint narrative:
I have a student loans from XXXX unfortunately i have a permanent XXXX and therefore my student loans was discharged by bank, i have received from Discovery Bank a proof of a letter that loans was discharged and no obligation to repay the loans. But unfortunately all three credit companies ( XXXX XXXX  and XXXX ) keeps an amount of {$26000.00} and {$25000.00} on my Credit Reports as a Balance. i was trying to Dispute on their websites a few times on XX/XX/XXXX but always appear a message " '' We encountered an error when trying to access your credit history report '' '' '' '' Because loans was discharged the balance on my credit report account has to be XXXX and account should be closed. with out this my credit report in very low level, i am unable to rent any apartment for living.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I recently received a copy of my credit report which showed several unauthorized and fraudulent inquiries and accounts on my credit report that were not opened by me ( See attached Affidavit, and Police Report ) .after a short vacation in XXXX XXXX XXXX Florida XXXX I don't have any knowledge of these accounts being open, and any contract bearing my physical WET signature is fraudulent and was not signed by me. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it. I requested proof from the creditor, and they were unable to provide me with any proof otherwise.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act. According to the FCRA Section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify, through the physical verification proof of the original signed consumer contract ( i.e. an original consumer contract with my signature on it ) any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. Furthermore, I requested proof from the creditor, they were unable to provide me with any proof otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25 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: AL

Complaint narrative:
I have contacted Equifax in the past explaining that the information on this identity theft report was not done by me & I don't know who did. I have never gotten any merchandise from them or nothing that they were selling. Please delete these items from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: TX

Complaint narrative:
This is my 4th sending dispute request to Experian with no responses.. Can you all please look into this matter asap ... I want these items deleted immediately. 

XXXX XXXXXXXX NO CONTRACT-DELETE IMMEDIATELY XXXX XXXX -NO CONTRACT- DELETE IMMEDIATELY XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, TEXAS XXXX XX/XX/1972

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 2021-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have a student loans from XXXX unfortunately i have a permanent XXXX and therefore my student loans was discharged by bank, i have received from XXXXXXXX XXXX a proof of a letter that loans was discharged and no obligation to repay the loans. But unfortunately all three credit companies ( XXXX XXXX and Experian ) keeps an amount of {$26000.00} and {$25000.00} on my Credit Reports as a Balance. i was trying to Dispute on their websites a few times on XX/XX/XXXX but always appear a message " '' We encountered an error when trying to access your credit history report '' '' '' '' Because loans was discharged the balance on my credit report account has to be XXXX and account should be closed. with out this my credit report in very low level, i am unable to rent any apartment for living.

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