vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
One of the three major credit bureaus, Experian, XXXX, or XXXX, maintains a wrong record of my date of birth. 
The wrong data of my identification made me being rejected in many situations. 

As a real case happened in XXXX, I was unable to get Internet service from XXXX. 
I first applied via phone calls, all agents failed, and suggested me to go to a solid store in person. I did so, but failed again. My problem was escalated a couple levels in my 3 hours waiting there. Even the store manager keyed in his own privileged code trying to surpass the blockage, their system wouldn't let him overwrite the mismatch between birth year XXXX on driving license vs. birth year XXXX from credit report. I asked which one of the 3 major credit companies provided that wrong data? The store manager replied it was confidential, they were not allowed to reveal it. 

I understand that your organization advises us to first try contacting directly involved company for resolution. 
But in my case, I really dont know which company to file complaint with. 

I wish you would be willing to offer help to me. 
Any help from you shall be highly appreciated.

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 2020-08-03 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: CO

Complaint narrative:
I received an unexpected US Bank Reliacard on XX/XX/XXXX. The accompanying information said " Colorado Department of Labor and Employment ( CDLE ) automatically issues a Reliacard to every claimant who files for and is approved to receive unemployment benefits. '' I am retired and have not filed for unemployment. 

My first action was to contact US Bank 's Cardholder Services at  XXXX. After 30 minutes on hold, XXXX informed me I had the wrong department and transferred me to XXXX who told me I had the wrong department and she transferred me again. After 45 minutes on hold I gave up! 

I called the CDLE on XX/XX/XXXX and was informed by XXXX a claim for unemployment had been submitted in my name but that no payments had been made and the claim was locked. He also said he is seeing many of these cases.

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 2020-08-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I have been attempting to close my account with PayPal for several months. Their system is broken and is not functioning as it used to.Their 100 % automated system will not allow me to access my money nor transfer my money. I've been through automated XXXX with them. I've followed all their prompts to mnno avil countless times and their only response ( automated, of course ) is to run me back through their useless system ad nauseam. I've called all their numbers and played their game. There is no possibility of speaking to anyone who can help. 
This has caused me a greatdeal of frustration and stress forthelast five months. 
I hope you can help me with this. 
XXXX Thanks. 
XXXX XXXX, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
Hello Manager ; Something is wrong with the way this is reporting. There is no way that these companies ( XXXX, XXXX, and XXXX ) investigated this student loan from NAVIENT. The same information continues to report on my credit. I honestly don't believe I that the information reported is correct on this student loan and I don't agree with the total balance that they are reporting on my credit, the fees that i been charged, the open date, and the monthly payment and inconsistent dates of last payment. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports different dates of last payment, date of last activity, and questionable balance, etc Also, Hows it possible that youve reported those inconsistencies and errors if those info are furnished by the same company? Wasn't Navient sued by Cfpb before for not applying payments to consumers accounts correctly?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am Florida XXXX with my paycheck being deposited to the account. Bank of America is charging maintenance fees to XXXX in a pandemic at the end of the summer. My balance was low because of a court case pending with covid court dates changing Bank of America was a. Part of this litigation. Knowing all of these factors : Pandemic, A Florida XXXX in summer months, and litigation pending Bank of America charged and took maintenance fees from my account. Please this can not be legal to do consumers, XXXX I am a. Single mom I have done everything I am supposed to do and now during a pandemic schools opening summer litigation they are taking a maintenance fee. Please review Bank of America policies please if its worthy of a class action suit please include me as a plaintiff.

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 2020-08-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I'm trying to get a state to state transfer of my vehicles title from TD Auto Finance. I purchased the car on XX/XX/2020 I was told that the process takes about 30 days. I followed up with emails and phone calls on XX/XX/XXXX, XXXX, XXXX. I was told that TD bank hasn't received the title yet from Arizona. I was later told that they had received it and they would fax it as well as mail a copy of it to me. I never received the fax, but I did get a Title and Registration Application in the mail. My title agent said she needs a  certified copy of the title, not the registration application. She even spoke with them directly. My agent and I spoke with XXXX XXXX a TD bank customer service supervisor on XX/XX/2020. She assured us that she would mail a certified copy of the original title that day to my title company and to expect a 5-6 day delivery time. It never arrived. XX/XX/2020 I spoke with the finance department at XXXX XXXX, ( dealership where I purchased the vehicle ) to see if they could help me, they said they would contact TD bank the next day. I followed up with TD Auto Finance customer service on XX/XX/2020 and spoke with XXXX XXXX and he advised me that they still don't have a copy of the title and nothing was sent on XX/XX/XXXX. I called back today, XX/XX/XXXX, and was told that TD Auto just received the title this morning and will have it sent out in a couple of days and expect a 5-6 day delivery time once it is sent. I have my doubts that this will happen, but I remain hopeful. Meanwhile, my temporary tags have been expired for a couple of weeks and I can no longer drive my car legally because I can't register my car in Florida without a copy of the title. I have been more than patient and accomidating but I can't seem to get a straight answer from them. This really shouldn't be this difficult. I'm hoping this complaint will motivate them to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 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: FL

Complaint narrative:
I asked equifax to verify information on my credit report. they never reply

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 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: IL

Complaint narrative:
In XX/XX/2020, XXXX reported me as deceased to credit bureaus. I disputed with XXXX and credit bureaus. Equifax is refusing to remove account status as close due to consumer deceased. I have submitted 3 disputes. Dispute dates XX/XX/2020 resulted in Equifax stating the deceased comments would be removed. Then Equifax sent a letter stating the deceased information was verified and updated. I am not deceased and the account never closed. XXXX said all information has been corrected yet current report for XXXX and Equifax shows this account as closed due to consumer deceased. XXXX has updated and corrected data. Creditors and bureaus are violating my rights under FCRA. No agency is reporting me deceased. The account is active and Ive received a credit limit increase. Ive checked with SSA. I have spent money submitted documentation to these bureaus and creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 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: CA

Complaint narrative:
I have not received credit reports within the 30 days. I sent dispute letters XX/XX/2020 and XX/XX/2020. XXXX and transunion have yet to respond and this is really hurting my credit. Will you please make them respond to 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 2020-08-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
I contacted Ally Bank regarding a 90-day extension request attached herein. I have previously disputed the late payments reported by ALLY Bank and feel like they are retaliating for my complaints. The value to debt ratio is inverted and the title is prejudiced due to fraud on the part of the selling agency. I have been told by the XXXX XXXX that they can not take the car in on trade, even though XXXX XXXX  XXXX XXXX authorized the vehicle for resale after replacing defective parts. XXXX is now calling the vehicle a lemon and telling me I am just stuck with the auto. I owe {$13000.00} the value is @ {$9000.00}, which is well below value due to the lemon identifier. Further, the XXXX reports prevent the vehicle from being sold. When the vehicle was sold to us, we were provided a fake XXXX Report indicating the airbag recall was the only issue with the car. That is not the case. I took the vehicle to XXXX XXXX in XXXX Georgia who performed all warranty work and on three separate occasions the sales managers contacted me to buy the vehicle due to its condition and maintenance record. When I finally became interested in trading for a new vehicle, it was sprung on me that the vehicle could not be accepted by the dealership. This responsibility falls upon XXXX XXXX   XXXX XXXX. During the interim, Ally Bank should honor the 90-day extension request.

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 2020-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
I am being contacted by XXXX XXXX who is a debt collector. They are saying that I owe a certain debt from American Express. What they are going off is solely the information that is given to them from the company where the debt supposedly is coming from. I have asked on a number of occasions for them to provide proof of this debt via an original contract. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), XXXX XXXX  is required by federal law to verify - through the physical verification of the original signed consumer contract. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I have demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) that they have on file. Their failure to positively verify this account has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed if they are unable to provide me a copy of verifiable proof, they must remove the account listed below. This is not the first complaint I have filed- XXXX does not change their tactics and I am still having the same issue. **The CFPB has not helped either even though this has not been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 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: Insikt, Inc.
State: CA

Complaint narrative:
I have filed a compliant with the three credit bureau 's and the investigation took well over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 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: MD

Complaint narrative:
At my previous house, I used XXXX as my alarm system. When I moved to my current house, I wanted to use XXXX  again ( which I currently am ), and they said it is easiest to transfer my old account to the people moving into the house so they can pay off the equipment. They currently use XXXX and are paying for the equipment monthly. I received debt collector calls saying I owe XXXX {$2200.00}. I tried to call XXXX and they are saying this has already been turned to a debt collector because the people who moved into my old house have their own account separate. This is just insane, because they are using XXXX paying for it, I currently use XXXX for my security, and if they would listen to my past calls with them, they would hear them tell me that my old account was being transferred to the new user.

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 2020-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: AZ

Complaint narrative:
I saw a NEW collection account to a company I do not owe in regards to an XXXX XXXX XXXX account I no longer own as i returned their devise. I filed a dispute with the XXXX and the company ( Sunrise Credit Services ) has continually " flagged '' my account as collections numerous times causing my score to drop by continuously drop they filed on XX/XX/2020 the next day my score decreased by 19pts they flagged it again on XX/XX/2020 and my score decreased now by 10pts. 

Right now i am in the middle of credit repair to purchase a home and the constant unnecessary reporting is retaliation for my dispute while also damaging my credit in a an attempt to prevent me from obtaining credit.

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 2020-08-03 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 2020-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
This complaint is for all three credit bureaus, not removing information from my credit file and TransUnion requesting information that has already been provided as proof of my identity regarding a dispute. 

XXXX XXXX should be removed from all three credit reports. **Per written document included with this complaint-

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 2020-08-03 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: Credit Adjustments Inc
State: NC

Complaint narrative:
I have made multiple attempts to try and have this company remove inaccurate information from the credit bureau. They continue to refuse. I have written information from the department of education stating I would not be reported for late payments.

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 2020-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Hello I have tried to dispute this debt for some time now my identity was stolen after a horrible car accident I was involved in my car blew up on impact and I was XXXX lifted to the hospital along with my XXXX year old daughter at the time. This is one of those accounts that was opened under my name. The first dispute was a little over a year ago and it came back verified accurate and resolved in 3 days the company says the reviewed everything and that the debt is mine. I tried to dispute this again a week ago and they finally removed it from my credit report it dropped my report down by 23 points for removing the negative remark. I check my credit report again and this same debt shows up on my report dropping it another 7 points because of the negative remark. Im not sure what game this company is playing but its hurting my credit really bad I just got denied a rental home because of the issues caused by this company and my credit dropping so many points to just have this incorrect debt added back on my report causing more harm this is horrible and seems illegal I would like help resolving this matter thank you very much for 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 2020-08-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: CA

Complaint narrative:
This is in reference to complaint # XXXX. The company 's response is incorrect ( copied attached ). I continued to make my payments because when I initially requested financial assistance for my account in XX/XX/2020, it was XXXX XXXX that I originally spoke with. XXXX stated that XXXX XXXX would be contacting me to provide me with more information and get me started. I didn't hear from XXXX until XX/XX/2020 after leaving several messages. After speaking with XXXX XXXX on XX/XX/2020, regarding the forbearance and filing the initial complaint, I received a call from a BSI Customer Service Representative named - XXXX on Monday, XX/XX/XXXX between XXXX - XXXX PST. She stated " after their investigation if they remove the forbearance reporting from the credit reports, our XX/XX/2020 mortgage will report as 30-days late, " so I responded " leave it '', she confirmed " so you want us to leave it '' and I responded " yes ''. Since then I have spoken to two different customer service representatives and requested the tape be pulled from my conversation with " XXXX '' on Monday, XX/XX/XXXX. In addition, I received an email from XXXX XXXX ( attached ) stating that our XXXX, XXXX, and XX/XX/2020 payments were all paid as agreed within the grace period and the forbearance status has been removed from the account. Nowhere in that letter does it say " your account will be reported 30-days late for XX/XX/2020 if the forbearance status is removed ''. In addition, our mortgage was paid in full ( documentation attached ) on XX/XX/2020, not XX/XX/2020, therefore, there should be no interest accrued on this loan past XX/XX/2020. As far as the call from XX/XX/2020, it was not communicated why those funds were not drafted only that it was not processed. I took responsibility for that because I was in the hospital at the time I made our XX/XX/2020 payment and during that call on XX/XX/2020, XXXX XXXX offered to waive the {$25.00} dollar fee for that reversal that was never waived. It was paid by me.

Company response to consumer: Closed with explanation