vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2021 I attempted to unfreeze my credit report from www.transunion.com. On the customer log-in screen there is now five different options to log-in or create an account. Two of the five options charge the consumer. Those two options are " Credit Monitoring '' and TransUnion Plus. There is no indication at this log-in screen that two of those options are going to cost money. It is extremely misleading to the consumer and the fact that every American must have access to their consumer credit report. This is incredibly confusing and designed this way on purpose to generate money. There is no supervisor available during two calls where I tried to contact them. My reference number with TransUnion is 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 2021-02-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
I became unemployed due to the COVID Pandemic since XX/XX/XXXX thru XX/XX/XXXX. Due that, on XX/XX/XXXX I completed the request of a Moratorium for my FHA Mortgage for the time period XX/XX/XXXX to XX/XX/XXXX with the XXXX XXXX. During that time period, the XXXX XXXX became to be part of XXXXXX/XX/XXXX. When I started to work again I want to know about my Mortgage Moratory status, and XXXXXX/XX/XXXXnotified me that although if I qualified for it, XXXX XXXX did not complete the approval process of my case. ( I sent a letter making a claim to XX/XX/XXXX on XX/XX/XXXX. ) XXXX XX/XX/XXXXdid not want to accept the moratorium submitted under the XXXX XXXX and reported the my account as overdue without first contacting us to explain the situation that was happening. The bank sent me a letter indicating that my mortgage was on due since three months. Due that my credit score as well as the credit score of the account co-debtor was affected by this mistake made by the bank. 
After that I made the payment requested by XXXX XX/XX/XXXX for the three months ( Paid on XX/XX/XXXX XXXX, and I asked XX/XX/XXXXto correct the mark on the credit that XXXX gave me since it was not my fault. XXXX XX/XX/XXXXdid not want to remove the mark made on the credit saying that this mark should be removed by XXXX XXXX, however XXXX XXXX does not have a mortgage area since became part of XXXXXX/XX/XXXX. 
Then, as per XXXXXX/XX/XXXX XXXX XXXX XXXX letter XXXX, the Credit Agency are whose have to delete the mark to the credit, since on its system the mentioned mark does not appear. 
During the process, a total of two ( 2 ) letters ( on XX/XX/XXXX, and XX/XX/XXXX ) were sent to the Disputes area of credit agency TransUnion asking to delete the credit mark made by XXXX XXXX and TransUnion indicates that the mark to the credit should be deleted by the mortgage area of XXXX XXXX XXXX Which does not exist ). 
I need my credit score as well as that of the co-debtor to be corrected.

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 2021-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I have a checking account at TD Bank. This is in MA. Yesterday morning everything was fine. Last night I could not access the account online. It just basically acts like no account exists. I called multiple times today, and no one could tell me what was happening. There is {$1100.00} in the account and it isn't showing up online and no one can help me. I don't have access to the money and I have no idea how to get the money or what is going on, or why it was closed ( the last person I talked to said it showed as closed ). I haven't done anything wrong with the money or account and there is {$1100.00} in there they are holding from me without any update as to what is happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Phoenix Financial Services LLC
State: OH

Complaint narrative:
Im being pursued by Phoenix Financial for {$690.00} Creditor XXXX XXXX XXXX XXXX XXXX XXXX originated in Texas - XXXX after ( XXXX ) years This debt rolled off my credit report XX/XX/XXXX and then XXXX passed-off the debt to Phoenix Financial Service to continue hot pursuit. 
XXXX REMOVED XXXX unfair reporting and deleted them from my credit file because they were entering derogatory remarks TWICE per month? Now XXXX unscrupulous service has passed dead debt on to Phoenix Financial to continue with unfair reporting practices. 
Dear CFPB, Im contacting YOU as their big brother, please drown this alligator once and for all and lay this debt to rest with prejudice. I'd also like to file a formal complaint against XXXX for harassment. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I have a checking account and credit card from Citizen 's Bank. I had to unfortunately close my account because I am moving and this bank is not in my new area. I informed the bank that I want to close my account and paid literally hundreds of dollars in overdraft fees and other optional fees to the bank. I found out that later on that the fees continued even after I asked for my account to close. I had to pay another {$270.00} or so in fees to this bank again. 

In these times, banks such as Citizens Bank shouldn't double dip and charge a {$37.00} fee and then a {$30.00} fee because those fees literally allow them to charge me more!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 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: GA

Complaint narrative:
On XXXX, and XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. to this day 90 days later. I have not received a response yet. I feel like I am being taken advantage of and my disputes are being ignored and not taken seriously. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report i has been 30 days so these items should be deleted. Ive been patient and Ive sent multiple letters giving them time to respond.I demand these accounts be deleted immediately or I will file for litigation due to the stress I have been caused. Also, my information was also impacted by the Eqifax data breach and may have gotten into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 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: GA

Complaint narrative:
I received a copy of my credit report and I notice good amount of inquiries I did not authorized. I did not consent to, authorize, nor benefit from any of the following inquiries. block and removed them immediately Under 15 U.S. Code 1681c-2. Under 15 U.S. Code 1681 its ruining my reputation because there are inaccurate inquiries reporting on my credit report.

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 2021-02-24 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I received a copy of my credit report and I notice good amount of inquiries I did not authorized. I did not consent to, authorize, nor benefit from any of the following inquiries. block and removed them immediately Under 15 U.S. Code 1681c-2. Under 15 U.S. Code 1681 its ruining my reputation because there are inaccurate inquiries reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BOK FINANCIAL CORP
State: ID

Complaint narrative:
I received a letter in XX/XX/2020, stating that my mortgage company BOK had me pay more than needed into my escrow account and that they would be sending me a check in the next 30 days. 
It is now XX/XX/XXXX and I have still not received a check. 
I have phoned twice and both time was told the check was in the mail

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
WF/ XXXX  is claiming an account on my credit that is not mine. The account number is XXXX, this account was opened on XX/XX/2014

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 2021-02-24 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: NV

Complaint narrative:
I turned XXXX on XX/XX/2020. I should not have a credit profile. If Experian, XXXX, and XXXX would have done their jobs properly and verified information and not reported fraudulent information. I would not be a fraud victim to begin with. I contacted Experian, XXXX, and XXXX about the fraudulent information on my credit profile and it seemed like a simple fix so as I was told to do. I sent Experian, XXXX, and XXXX a copy of my birth certificate, drivers license, social security card, Federal Trade Commission Identity Theft Report, and a bank statement. Experian, XXXX, and XXXX still hasnt removed all these fraudulent items off my credit profile. Most off the accounts were opened when I was a XXXX XXXX XXXX child. Experian, XXXX, and XXXX did no investigation what so ever. They all informed me that a fraud alert was placed on my credit profile thats all no removal of the fraudulent items.

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 2021-02-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: MARINER FINANCE, LLC
State: TN

Complaint narrative:
I received a call today and the person was claiming to be a XXXX County Deputy by the name of XXXX XXXX even stated his badge number was XXXX. He said they had been trying to serve me cause I was being sued by Pioneer Credit and I needed to call XXXX with my case number. Then said if I was served and didn't show for court I would get a failure to appear. Also said I was being sued for fraud. I called the number and spoke to a XXXX XXXX. He said in total I owed {$2500.00}. If I didn't want to go to court and wanted legal charges dropped then I needed to pay today. He offered a settlement of $ XXXX.He then said if I didn't pay half today and the other half tomorrow of a settlement for {$700.00} or pay in full today by XXXX that I would be served by the police department within 48 hrs. I would have to pay additional {$1200.00} if it went to court for attorney fees. I sent the {$700.00} at XXXX cst to XXXX XXXX XXXX XXXX through my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 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: AZ

Complaint narrative:
I recently disputed these items and was told I needed to file an Identity Theft report with my local police department in order to get them removed because it is an Identity Theft Issue. I disputed the items and now have the report and it still hasn't been updated and removed and I am in the process of trying to get pre approved for buying a home for my family.

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 2021-02-24 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: AZ

Complaint narrative:
I recently disputed these items and was told I needed to file an Identity Theft report with my local police department in order to get them removed because it is an Identity Theft Issue. I disputed the items and now have the report and it still hasn't been updated and removed and I am in the process of trying to get pre approved for buying a home for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 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: SC

Complaint narrative:
I purchased food products from the company XXXXXX/XX/XXXXon XX/XX/2020 and received the order on XX/XX/2020 ( five separate shipping boxes ). Upon opening the packages I noticed the food packaging had not been sealed properly with food scattered throughout the boxes. My first attempt to resolve this issue was on XX/XX/2020 and all future attempts to communicate with the business have not received a single response to me, I have attempted to email and call the company in question on multiple occasions. On XX/XX/2020, I opened a dispute with my credit card company ( the card I used to purchase said food products ) since they failed to honor their 365 day return policy, I also informed XX/XX/XXXX via email that I would be escalating this since I still had not received any contact from the company. 

Citi bank also refuses to refund me due to : " We have reviewed the information you provided regarding your dispute. We attempted to resolve this dispute with the merchant or their bank. They are unwilling to issue credit. Our investigation remains closed. '' I have even attempted to resolve this through the XX/XX/XXXXand have received yet again zero response from XX/XX/XXXX, they are clearly scamming their customers. 

Citi has a legal obligation to protect consumers against fraudulent companies and is unwilling to credit me a total of {$800.00} for the defective merchandise. XX/XX/XXXX XX/XX/XXXX needs to be investigated for failing to adhere to consumer laws and FDA guidelines due to improper packaging and not resolving disputes properly. Citi also needs to refund these charges immediately since this process has already taken nearly three months now.

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 2021-02-24 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: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
Information on my credit is incorrect and due to the incorrect information my credit score dropped 149 points. The incorrect information is ; there was a Transition of mortgage companies, from Mr. Cooper, Loan number XXXX to XXXX XXXX XXXX, Loan number XXXX. This was never a late payment, just a Transition Account. Will nee to correct Nationstar Mortgage LLC, not as Account closed but as a Account Transition and must not show a not current payment status. Balance was paid in full every month. 
Contact information XXXX XXXX XXXX XXXX. The Accuracy for this account is incorrect, it has incorrect information on my credit report. This effect my payment history/rating making it incorrect. The information in the Remarks field is incorrect. 

Also, There was an incorrect charge of {$3100.00} added to my XXXX XXXX account, account number XXXX. This incorrect charge also caused my credit score to drop 149 points. This charge should never have been on my credit report, however now that the company has removed the charge from my credit report, my credit score has not recovered to the original +149 points. Contact Information XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 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: TX

Complaint narrative:
I pulled my Equifax report on XX/XX/XXXX. I noticed there was a fraudulent inquiry on my Equifax credit report. The inquiry was on XX/XX/XXXX and the creditor/company was XX/XX/XXXX. I connected Equifax on XX/XX/XXXX informed them of the fraudulent inquiry and they created a dispute ( dispute # XXXX XXXX. The results came back that the inquiry is deleted. I reviewed my credit report on XX/XX/XXXX and noticed the " deleted '' inquiry was not removed. I connected Equifax on XX/XX/XXXX informed them of the fraudulent inquiry and they created a dispute ( dispute # XXXX XXXX. The results came back that the inquiry is deleted. I reviewed my credit report on XX/XX/XXXX and noticed the " deleted '' inquiry was not removed. I connected Equifax on XX/XX/XXXX informed them of the fraudulent inquiry and they created a dispute ( dispute # XXXX XXXX. The results came back that the inquiry is deleted. I reviewed my credit report on XX/XX/XXXX and noticed the " deleted '' inquiry was not removed. I connected Equifax on XX/XX/XXXX informed them of the fraudulent inquiry and they created a dispute ( dispute # XXXX XXXX. The results came back that the inquiry is deleted. I reviewed my credit report on XX/XX/XXXX and noticed the " deleted '' inquiry was not removed. I connected Equifax on XX/XX/XXXX informed them of the fraudulent inquiry and they created a dispute ( dispute # XXXX XXXX. The results came back that the inquiry is deleted. I have disputed this fraudulent 5 times and it came back deleted each time, however, it is still showing on my credit report. I attached my results from my XX/XX/XXXX results but I have provided all of the dispute numbers. I contacted Equifax on XX/XX/XXXX. First representative I spoke with I told them I need to speak to the Fraud department, instead of transferring me they questioned why do I need to talk to them. I finally got to someone in the fraud department and we never got passed verifying my information. The representative asked me my full name. I said XX/XX/XXXX XXXX XXXX. He asked for my date of birth and address. I provided him that information. Then he asked for my last name again and my middle name again. I asked him why do I need to restate that if I already provided that information. The representative transferred me to the survey line to give feedback on my call. So I did not get this issue taken care of. So not only was my issue not taken care of BUT I RECEIVED HORRIBLE CUSTOMER SERVICE!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: ME

Complaint narrative:
Received letter stating they do not have info on me. I had my report somehow " disappear '' in 2015. I am currently unable to access my report online, or through annual credit report 's website. I am able to view via third party website ( XX/XX/XXXX ), yet this is affecting if I need access directly in order to dispute an item.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hi, All the mayors credit reporting agencies still have one of my account on derogatory for over 7 years and they dont take it out. I am not able to build or get any type of personal 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 2021-02-24 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: AK

Complaint narrative:
Payment never late. Account is now closed.

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 2021-02-24 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: AMERICAN EXPRESS COMPANY
State: IN

Complaint narrative:
XX/XX/2021 I received a direct deposit into my account for {$420.00} and when I try to access my account says it has been locked! I called the company and spoke with two different people one lady transferred me to the account protection office and they told me that my the account was suspended did not give me a valid reason other than that was suspended and that my direct deposit wasn't in there I have a text message telling me they received it and was available but I am not able to access it at all! They told me I had to write a letter to the headquarters in Florida and it could be 30 days, in these times of corona i don't have 30 days to hope they do something! Please help!

Company response to consumer: Closed with non-monetary relief