vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-28 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: CA

Complaint narrative:
On a few separate occasions I have disputed with all three credit bureaus XXXX, Transunion, and XXXX  pertaining to a credit card with XXXX XXXX XXXX  acct # XXXX for the date of last activity, payment history, status * and the dispute was returned verified. After some further investigation on my part, I am also concerned that these accounts may not belong to me, and/or the reporting to XXXX, XXXX  and Transunion may be inaccurate. In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 74 Fed Reg 31484 ( July 1, 2009 ), this Notice includes Identification of the specific information being disputed Transunion, XXXX  and XXXX  reporting for Acct Number : acct # XXXX The basis for the dispute : For Payment Status XXXX is reporting Charge-off, Transunion is Reporting Charged off as bad Debt, while XXXX  is reporting Unpaid balance reported as a loss by credit grantor. For Worst Delinquency XXXX  is reporting Bad debt/collection, Transunion is showing Not Reported, and XXXX  is reporting Charge off/Other Derog. On XXXX  Acct # XXXX status is closed, but reports payment history with a 90+ Days Late only on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and on XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and no dates were reported on Transunion. Also, for the Close Date Transunion is reporting XX/XX/XXXX as a close date while XXXX  and XXXX  are not reporting a close date at all. For Date of Last Activity, XXXX  is reporting XX/XX/XXXX ; However, Transunion is reporting XX/XX/XXXX and XXXX  reported as Not reported and closed as charged-off without a date of last activity. Also, for Terms XXXX  and Transunion are not reporting while XXXX  is reporting Revolving. Lastly, for High Balance XXXX  and XXXX  are not reporting anything while Transunion is reporting a high balance of {$450.00}. I have sent them excerpts of my credit reports showing how these accounts are reporting

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 2020-12-28 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: FL

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

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 2020-12-28 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I got a secured credit card back in 2014, which means that they held {$1000.00} of my cash while giving me a line of credit. My credit card was upgraded a few years ago, I no longer used the secured credit card. 

I get an mail every year that the CD is up for renewal. I called back around ~20 times and visited branches 2-3 times to terminate the CD and collect the {$1000.00} + interest. The retail bank says that the CD is locked by the credit bureau and the credit bureau can not locate the CD. Every time I call, the customer service rep and the manager says that they will escalate, someone will follow up, and no one ever does.

I just want this case to be resolved, close the CD. No one in Citibank seems able to resolve because of how they seem to be organized inside, and in the meanwhile my funds are locked and I can not retrieve it. I need 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 2020-12-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
XX/XX/XXXX REF : XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX Creditors account number XXXX EO Current balance {$31000.00} /Balance at divorce {$20000.00} XX/XX/XXXX To all concerned, Please be advised for the last couple of years we have been attempting to rectify wrongdoing. I represent My Daughter XXXX XXXX XXXX, I am on the contact list with her XXXX XXXX XXXX XXXX XXXX. The charges that occurred on this card were not made by XXXX therefore she should not be held responsible for this bill. 

In XXXX this account was paid in full and closed, sometime towards the latter part out of the 2016 year and the beginning of XXXX it was reopened without consent, knowledge and/or authorization. All charges that occurred during this time are fraudulent charges. This is what the card owner has been trying to inform yall of. There have been multiple requests of proof of these charges. 
When were these charges made? 
Where were these charges made? 
3, Where was any of the purchase delivered too if applicable? 

What was received on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX are bills not any proof of purchase, what was purchased and where it was purchased. I will repeat these are unauthorized charges and XXXX XXXX XXXX if being extorted by the federal government. 

These charges came to light during a messy divorce, and because XXXX XXXX XXXX knew these charges were made by him he agreed to pay the XXXX XXXX XXXX, and the debt was a part of the divorce decree. Unfortunately for XXXX and being ignorant of states and federal laws, and the fact that the divorce agreement was not honored by the credit card company. The victim of this fraud being exported for charges that she did not make and the astronomical interest that 'is accumulating. 

The request is that the account be settled for the original balance of {$2000.00} and proof of payment be forward to XXXX XXXX XXXX so that she is able to file a contempt of court order against the guilty party XXXX XXXX XXXX. MOST important, this account must be taken off her credit report expeditiously, Please review and advices, thank you in advance Respectfully, XXXX XXXX XXXX, XXXX ( representative for XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I have made deposits in TD Bank ATM machines. I have not been able to see these deposits on my statements. I have gone to the bank 5 times over the last two banking days. Each time I have been told that the bank can not go into the system and find my deposits and Identify them. I have been told to come back and or take a seat each time I have come to the bank

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 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: CA

Complaint narrative:
My grandmother the account owner is XXXX XXXX XXXX SS # ending in XXXX passed away 4 years ago. My mother XXXX XXXX XXXX was the previous trustee of the XXXX XXXX XXXX XXXX XXXX passed away XX/XX/XXXX. I notified XXXX XXXX that I was the new trustee and provided them all of the needed documents to authorize me on the account. On XX/XX/2020 I walked into a XXXX dealership with my youngest son to purchase his first car and I discovered that XXXX XXXX has incorrectly reported this second mortgage to my credit saying I was 90 days delinquent. My credit was XXXX and it dropped to XXXX because of XXXX actions. I was unable to purchase a car that day. On XX/XX/2020 I contacted XXXX and spoke with my relationship XXXX XXXX XXXX explained to her what was happening. She confirmed that she would be escalating this complain. 

Today XX/XX/XXXX I have received three different notifications from my credit companies saying that because of my bad credit my credit line would be decreased. I immediately called XXXX XXXX and was hung up on at least 4 times. I finally speak to XXXX ID # XXXX who claims that I applied to be a successor in interest and that is why my credit is being reported. I have never provided XXXX my Social security or agreed to assume this loan. I am only the assigned trustee administering the account. XXXX transferred my call to a voicemail and was hung up on yet again. XXXX promised to submit a claim to the credit report department but not sure if he did that or not. 

I am requesting that you correct my credit immediately before you cause anymore harm. XXXX is in violation of the fair credit act.

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 2020-12-28 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: CA

Complaint narrative:
My grandmother the account owner is XXXX XXXX XXXX SS # ending in XXXX passed away 4 years ago. My mother XXXX XXXX XXXX was the previous trustee of the XXXX XXXX XXXX XXXX XXXX passed away XX/XX/XXXX. I notified XXXX XXXX that I was the new trustee and provided them all of the needed documents to authorize me on the account. On XX/XX/2020 I walked into a XXXX dealership with my youngest son to purchase his first car and I discovered that XXXX XXXX has incorrectly reported this second mortgage to my credit saying I was 90 days delinquent. My credit was XXXX and it dropped to XXXX because of XXXX actions. I was unable to purchase a car that day. On XX/XX/2020 I contacted XXXX and spoke with my relationship XXXX XXXX XXXX explained to her what was happening. She confirmed that she would be escalating this complain. 

XXXX XX/XX/XXXX I have received three different notifications from my credit companies saying that because of my bad credit my credit line would be decreased. I immediately called XXXX XXXX and was hung up on at least 4 times. I finally speak to XXXX ID # XXXX who claims that I applied to be a successor in interest and that is why my credit is being reported. I have never provided XXXX my Social security or agreed to assume this loan. I am only the assigned trustee administering the account. XXXX transferred my call to a voicemail and was hung up on yet again. XXXX promised to submit a claim to the credit report department but not sure if he did that or not. 

I am requesting that you correct my credit immediately before you cause anymore harm. XXXX is in violation of the fair credit act.

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 2020-12-28 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: Fay Servicing, LLC
State: CA

Complaint narrative:
My grandmother the account owner is XXXX XXXX XXXX SS # ending in XXXX passed away 4 years ago. My mother XXXX XXXX XXXX was the previous trustee of the XXXX XXXX XXXX XXXX XXXX passed away XX/XX/XXXX. I notified Fay Servicing that I was the new trustee and provided them all of the needed documents to authorize me on the account. On XX/XX/2020 I walked into a XXXX dealership with my youngest son to purchase his first car and I discovered that Fay Servicing has incorrectly reported this second mortgage to my credit saying I was 90 days delinquent. My credit was XXXX and it dropped to XXXX because of XXXX actions. I was unable to purchase a car that day. On XX/XX/2020 I contacted XXXX and spoke with my relationship manager XXXX XXXX explained to her what was happening. She confirmed that she would be escalating this complain. 

XXXX XX/XX/XXXX I have received three different notifications from my credit companies saying that because of my bad credit my credit line would be decreased. I immediately called Fay Servicing and was hung up on at least 4 times. I finally speak to XXXX ID # XXXX who claims that I applied to be a successor in interest and that is why my credit is being reported. I have never provided XXXX my Social security or agreed to assume this loan. I am only the assigned trustee administering the account. XXXX transferred my call to a voicemail and was hung up on yet again. XXXX promised to submit a claim to the credit report department but not sure if he did that or not. 

I am requesting that you correct my credit immediately before you cause anymore harm. XXXX is in violation of the fair credit act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 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: FL

Complaint narrative:
By this message, I would like to let you know that I found accounts that are not mine in my report recently. Its violation of my rights to report inaccurate data in my credit report. These accounts are definitely not mine. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I do not have any contracts or agreements, or documents with these companies. Please I kindly ask you to take appropriate actions and delete them forever.

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 2020-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
By this message, I would like to let you know that I found accounts that are not mine in my report recently. Its violation of my rights to report inaccurate data in my credit report. These accounts are definitely not mine. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I do not have any contracts or agreements, or documents with these companies. Please I kindly ask you to take appropriate actions and delete them forever.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
During the pandemic I wrote a salary check from a business account at another bank to myself. The amount was too large for mobile deposit so Bank of America automatically advises you to use the ATM. I used the ATM to deposit {$35000.00}. on XX/XX/XXXX. The ATM ALWAYS alerts you that there is a hold that will be placed on the deposit, and it DOES NOT tell you how long the hold will be. The reasonable amount is 2-4 days. 

I got a receipt that said that my funds would not be available AT ALL until XX/XX/XXXX. 

That is a 2 week hold and also not warranted as the funds are from My company to Myself, and I am able to check balances. 

I immediately called customer service who said that the Bank branch manager would be able to release that ridiculously long hold. 

I contacted my Branch and made an appointment. At the branch I spoke to XXXX XXXX. He also suggested that the money could be released. 

I went in person to speak to them and they said to wait until Monday and I did so. I called the Hold release phone number on Monday XX/XX/XXXX. 
XXXX XXXX Consumers Deposit Department Supervisor informed me that the money needed to be released to them. I have documentation from my other bank that those funds have been released so Bank of America is lying and holding on to {$35000.00}. For an Unreasonable amount of time. 

I have been a customer of the bank in good standing for 38 years. I have not bounced a check nor have I any history fraud, and I have documentation on BOTH sides of this transaction. This is stealing. And it also creates tax fraud as they are misrepresenting income in a different fiscal year.

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 2020-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hello, I submitted a complaint to you on XX/XX/2020 with complaint number XXXX. 
Your response from XX/XX/2020. 
Until today, I have not gotten a response to this complaint. 
I tried multiple times to enter to see the response of the complaint, and the last time I entered was today, on your website, it simply shows it as closed and doesn't allow me to see the complaint.

As you know that I do not know English, and you are using this fact. 
I ask your immediate response to me. Because I want to continue to respond to my justice, and your mistake. 
You took off way too many credit points from my credit score because of your own mistake. You hurt me strongly, and you definitely hurt the public consumers. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
In XXXX when I was married, we opened an account with XXXX XXXX. We both used the card up until our separation which was in XXXX of XXXX. XX/XX/XXXX we filed for divorce, and it was granted on XX/XX/XXXX. With a mediator on XX/XX/XXXX it was determined that my wife would keep the XXXX XXXX  account ( XXXX XXXX XXXX XXXX ), as a soul card holder in the distribution of assets. However, in XXXX my ex-wife reactivated the XXXX XXXX account, without informing them of the divorce. She was granted a new Mastercard account with them, based off the old information that they had. She had her name changed back to her maiden name after the divorce, so it wouldn't have been the same as their old information. She was at that time unemployed and had no source of income. She let the account do delinquent and consequently that showed up on MY credit report ( even though we are divorced and I am no longer responsible for her or her actions ). I have the legal court documents to show that at the time of our divorce she was responsible for the XXXX XXXX account, and I was no longer responsible for it. I had cards that I was responsible for and I let the companies know that I was divorced and she was no longer to be on the accounts. She should have done the same ... but she didn't. I spoke with XXXX XXXX and was told basically that it didn't matter because my name was on the account and they issued me a new Mastercard in my name ( which I obviously was unaware of since we don't even live in the same state ). So they were on no help to me. I would like to have this removed from my credit report as it is fraudulent information and it cause me financial issues.

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 2020-12-28 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX claims I have a debt of {$540.00} from XXXX XXXX. They placed the debt in the derogatory marks in Equitfax, XXXX and XXXX. I have no such debt and they have not supplied me with proof. I had them removed from Equifax and XXXX. I submitted a complaint to them through XXXX and they were not removed. They have not supplied proof of this debt. XXXX needs to remove XXXX XXXX from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 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:
on XX/XX/2020, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 50 days later I have not received a response yet. I feel like my disputes and I are being taken advantage of and dismissed. In section 611 ( a ), plainly states that a failure to investigate these items within 30 days provides a basis for immediate removal of those items from my credit report it has been over 50 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this has caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation