vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: TX

Complaint narrative:
I have been unable to contact an AmeriHome Mortgage representative on the phone regarding their inability to pay either my homeowner 's insurance or the property taxes for our home out of my escrow account. I submitted an online inquiry buy have not yet received a response from them. I paid my homeowner 's insurance out of pocket in the amount of {$990.00}, since it was already past due on XX/XX/2020. I also submitted with my inquiry to the company the only property tax information on our home that I could reasonably obtain online on the weekend. 
I requested to be reimbursed for the homeowner 's insurance from my escrow account, and that they also promptly pay the outstanding property taxes out of the escrow account before any late fees are assessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06 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: LA

Complaint narrative:
Debt was paid on XX/XX/2020 and tradeline promised to be removed from credit report. Equifax is still reporting I owe this debt which is definitely not accurate. All other bureaus have removed this tradeline from my report. I spoke with XXXX XXXX on XX/XX/2020 in reference to this account. I validated this account was not reporting by Mr XXXX XXXX at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06 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: NC

Complaint narrative:
Upon looking at my credit to monitor it. I realised so many different inaccurate items I'd like resolved. In the forms of 9 hard inquiries that are unknown to me and frankly disturbing. I called equifax but they. Never responded 2nd attempt tgru cfpb. 
XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XX/XX/2020 AND XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX All of these inquiries are unauthorized and without permissible purpose. Please send proof of reinvestigation methods used and wet ink signature ti substatiate my consent. I know what a inquiry is please di not insult and send a generic answer. The FCRA Said all items on credit report must be accurate. None of the inquiries have account # address phone number of furnisher attached which is required per the FCRA. Thats not complete and accurate therefore they must be removed. I do not know who to contact and i should have those information by law. FDCPA youre in violations of my privacy act also. Equifax has vowed to be a accurate data furnisher, the data on my crdedit is not accurate or authorised. This is hindering my life. Fcra allows {$1000.00} per violations. Please govern yourself. You have 30 days to respond with a copy of updated report reflecting these changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2020 I checked my interest rate for a personal loan with XXXX. Their website said " checking your rate will not effect your score ''. I filled out the necessary information and clicked check my rate. I then received an alert from Experian that XXXX had initiated a hard inquiry. I had to call them and email a copy of the experian report showing the inquiry. They mailed me a letter stating they would correct the error and remove the inquiry. It has not been removed as of today.

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 2020-12-06 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: LA

Complaint narrative:
All 3 bureaus are reporting this account as debt still being owed. This account was promised to be removed from my credit BUT HAS UPDATED TO 50 % PAID. I SETTLED THIS ACCOUNT WITH XXXX XXXX AND IT WAS PROMISED TO BE REMOVED. SEE DOCUMENT ATTACHED. THE LAST UPDATE SHOWS I PAID THE XXXX AND XXXX IS STILL OWED. THIS IS INACCURATE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06 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: TX

Complaint narrative:
I have sent certified dispute letters to XXXX, Transunion, and XXXX  with the latest letter being sent on XXXX/XXXX/2020 requesting for an investigation of the errors on the two alleged accounts that are being reported on both of my Transunion and XXXX  credit reports. XXXX is claiming that I allegedly owe {$710.00} and {$150.00}. There are two inconsistent " Date of Last Activity '' being reported for the alleged {$710.00} account after XXXX, Transunion, and XXXX  have claimed to have validated the account. How is that possible? After reviewing my Transunion credit report it shows that XXXX is reporting a Date of Last Activity on XXXX/XXXX/2020. Under the consumer protection afforded by the FCRA Section 605 (  c ) it is against the law to re-age an account. I am requesting that XXXX, Transunion, and XXXX  be investigated and that the XXXX account be deleted from all of the credit bureaus and from my credit reports.

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 2020-12-06 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: TX

Complaint narrative:
I have sent certified dispute letters to XXXX, XXXX, and Experian with the latest letter being sent on XX/XX/2020 requesting for an investigation of the errors on the two alleged accounts that are being reported on both of my XXXX  and Experian credit reports. XXXX is claiming that I allegedly owe {$710.00} and {$150.00}. There are two inconsistent " Date of Last Activity '' being reported for the alleged {$710.00} account after XXXX, XXXX, and Experian have claimed to have validated the account. How is that possible? After reviewing my XXXX  credit report it shows that XXXX is reporting a Date of Last Activity on XX/XX/2020. Under the consumer protection afforded by the FCRA Section 605 ( c ) it is against the law to re-age an account. I am requesting that XXXX, XXXX, and Experian be investigated and that the XXXX account be deleted from all of the credit bureaus and from my credit reports.

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 2020-12-06 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP
State: CO

Complaint narrative:
on XX/XX/2020 - I received a US Bank Reliacard for unemployment benefits in the mail. I still work and have never filed for unemployment benefits. I've reported this to XXXX  and to XXXX. I tried calling US Bank to no avail. I've also reported this to the Colorado Dept. of Labor and Employment, Unemployment Insurance division.

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 2020-12-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Management Corporation
State: SC

Complaint narrative:
On XX/XX/XXXX I XXXX XXXX contacted Receivables management corp about unconsented and fraudulent information that's being reported on my credit reports with XXXX, XXXX and XXXX. After I requested verification of the alleged debt a representative refused to send me any documentation. I am a victim of Identity theft and this information that is being reported to XXXX, XXXX  and XXXX  was unconsented and is a result of identity theft. Receivables management corp has violated my right to privacy pursuant to 15 USC 1692d ( 1 ) and 1681a ( 4 ) and I did so without my consent pursuant to 15 USC 1681b ( a ) ( 2 ) and has damaged my reputation and defamed my character. I have filed and Identity theft report with FTC in this matter. I have also sent an affidavit of truth stating the facts and citing all violations that were done with attached exhibits signed and notarized under the penalty of perjury, a cease and desist demanding they do not contact me through any and all mediums pursuant to 15 USC 1692c. ( C ) along with invoking my specified remedy as a consumer and original creditor pursuant to 15 USC 1692c. ( C ), a debt validation letter and an invoice for the 17 federally protected consumer rights that were violated under 15 USC 1692, 15 USC 1681, 15 USC 6802 and for actual damages of reputation and defamation of character sent via certified mail on XX/XX/XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Comenity Bank illegitimately closed my XXXX Account for no reason in XX/XX/2020. Comenity Bank then lowered credit limits for : XXXX  XXXX, XXXX, and XXXX XXXX XXXX cards as a result of a dispute I was handling with XXXX. Comenity bank improperly used information from dispute with XXXX and lowered my credit limits on all other credit cards severely negatively impacting my credit score, despite every other credit card being paid on time / no missed payments. I have attempted contact via phone and email to no avail to settle the dispute and restore my credit card limits which will also help restore my higher credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06 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: LA

Complaint narrative:
All 3 bureaus are reporting this account as debt still being owed. This account was promised to be removed from my credit BUT HAS UPDATED TO 50 % PAID. I SETTLED THIS ACCOUNT WITH XXXX  XXXX AND IT WAS PROMISED TO BE REMOVED. SEE DOCUMENT ATTACHED. THE LAST UPDATE SHOWS I PAID THE XXXX AND XXXX IS STILL OWED. THIS IS INACCURATE

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 2020-12-06 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: LA

Complaint narrative:
All 3 bureaus are reporting this account as debt still being owed. This account was promised to be removed from my credit BUT HAS UPDATED TO 50 % PAID. I SETTLED THIS ACCOUNT WITH XXXX XXXX  AND IT WAS PROMISED TO BE REMOVED. SEE DOCUMENT ATTACHED. THE LAST UPDATE SHOWS I PAID THE XXXX AND XXXX IS STILL OWED. THIS IS INACCURATE

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 2020-12-06 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: MI

Complaint narrative:
On XX/XX/20 I used my citi simplicity credit to withdrawl {$300.00} at the XXXX XXXX at XXXX XXXX XXXX. The casino was having problems with their computer systems and couldn't get the transaction to go through. They tried 4 times to withdrawal {$300.00}. The casino assured me that the transactions did not go through but when I checked my account there were 4 transactions of {$320.00} ( total {$1200.00} ). I contacted citicard immediately and let them know what happened. I have been bounced around to security and the dispute department several times. The credits from XXXX XXXX XXXX have shown up on my credit statement but Citi has charged me 4 more times than they have credited my account. Most of the time when I call there I can not understand the person very well due to the language barriers. Twice I have spoken with someone and they assured me that they see the same thing as I do on my account and they will send this to the dispute department to fix. It is now almost 6 months later and no resolve. I do get emails stating that I'm over my credit limit and need to pay them over {$1000.00}. I'm afraid this is going to hurt my credit but I'm also hesitant to fork over {$1000.00} at XXXX time for a mistake that they won't even contact me to resolve. I have also recently gone to my account on line and all of my statement between XXXX and XXXX are no longer available for me to see. I would appreciate any help that you can provide. 

Sincerely, 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 monetary relief
Consumer complaint received 2020-12-06 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2020 I checked my online account and on one of my old cards there was a charge in the amount of {$21.00} to a XXXX XXXX XXXX. Then on XX/XX/2020 a charge of {$52.00} was charged to XXXX  XXXX  also. Then one XX/XX/2020 their was a charge to the same company XXXX XXXX XXXX for {$36.00} and also on XX/XX/2020 there was again another charge to XXXX  XXXX  for {$82.00} and also a XXXX pay money transfer of {$50.00} to a XXXX XXXX which I have no clue who he is. And I sure as XXXX do not know who was or is incarcerated in a correction facility. So I have tried for the past two months trying to dispute these fraudulent charges but was placed on hold for several hours and at one point all day with no one answering the call. This is a total of {$220.00} of my unemployment someone has took from me. So I am writing you to fix this problem before I go above and talk to the federal government about this matter. 

Thank you, 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 2020-12-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Conn's, Inc.
State: AZ

Complaint narrative:
Gm! Over 30 days ago I sent a letter by mail to this company requesting them to validate the debt on an account reflecting on my credit. It was not a refusal to pay but to validate why they felt the debt was mine. They have yet to provide any documentation. Im requesting this account to be removed from all 3 credit bureaus due to the company not being able to validate the debt with any documentation with my signature showing the debt is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
I have synchrony card ending XXXX.I had promotional purchase with remaining balance about {$700.00} .On XX/XX/XXXX, I have called customer service and asked if paying remaining balance on XX/XX/XXXX will prevent me from occurring interest. The answer was yes. 
I have paid {$800.00} on XX/XX/XXXX and it was cleared the same day. Nevertheless, Synchrony charged me interest

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 2020-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have several checking accounts with Citibank. In XXXX 2020, Citibank changed the title and Social Security number on several of those accounts without my notification. I did not sign any form, or authorized anyone to make these changes. Furthermore, the title of the accounts that were under my name were changed to that of my late wife 's trust name. The Social Security was changed from my individual to my late wife 's individual Social Security prior to her death ( that Social Security is no longer valid and her trust as an XXXX number ). I realized that these changes had been made in late XXXX when I called to inquire about a returned check. In that conversation, the bank representative asked me to verify my identity. I was unable to do this since at that moment I was unaware of these changes. After realizing that these changes made unilaterally by Citibank were made I contacted multiple reps of Citibank and was eventually directed to go in person to a branch. When I met with a representative at a Citibank branch in late XXXX. The branch representative ( XXXX XXXX XXXX XXXX  XXXX  XXXX  in XXXX - XXXX XXXX ) confirmed that these changes have been made and acknowledged these errors. Since late XX/XX/2020, Citibank has been unable to correct these mistakes and Citibank is still attempting to trace how these unauthorized changes took place. I believe that it is unacceptable that : a ) these significant changes happened without my authorization or involvement, or without Citibank 's knowledge ( changing the title and the Social Security for several checking account is a major breach of security ) ; b ) The tracing of these changes has been unsuccessful and remains unknown ; c ) about 45 days have passed with no resolution. Obviously, I have lost total trust in Citibank and I have proceeded to open a checking accounts with XXXX. This has involved significant effort and time, and inconvenience. I wonder and worry if this has not just happened to me but that there might be other clients affected and both the clients and Citibank being clueless about this.

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 2020-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My XXXX account ending in XXXX is not reporting on my Equifax credit report. 

I have contacted both XXXX and Equifax in XXXX and XXXX advised they have requested the account be re-reported. 

To date it is not reporting on my Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GFS, Inc.
State: AR

Complaint narrative:
The debt is not mine. I have sent in multiple disputes to remove it from my profile and the company has not responded or sent any validation of this account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC
State: UT

Complaint narrative:
XXXX  XXXX  XXXX continues to sell off a debt that was a result of identity theft and fraud. Credit Control LLC sent me a debt request for a debt that I do not owe. Please remove the debt from my name. Cease and desist collection on this debt.

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 2020-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Credit Management, Inc
State: AR

Complaint narrative:
Company has not responded to my previous disputes. The account is not mine

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06 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: MA

Complaint narrative:
Notified company of fraudulent activity on my credit card on XX/XX/2020 and reported it to the police as well and recieved a claim number from them. 

In addition to the fradulent charges the billing address on my account was incorrect. I notified them and the credit bureaus of this incorrect information. 

On XX/XX/2020, I recieved a letter telling me the charges were NOT fraudulent and they appeared on my credit card statement again. I spoke with their fradulent security operations who refused my fradulent claim and explained again that I did not make these charges and I DO NOT and never have lived at the address they claim belongs to me!! They said " the facts and or information reviewed as part of the investigation does not substantiate the claim of unauthorized use ''. 

In addition to this, I closed my account on XX/XX/2020 and they issued a new card ... they sent that card to the Wrong ADDRESS and again fraudulent charges appeared on the new card ... which I NEVER RECIEVED or authorized use!!!

Company response to consumer: Closed with monetary relief