vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that ALLY FINANCIAL has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

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 2019-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I opened an interest checking and savings account with Citi bank online. I have a credit card with them and a closed checking account. I had to wait until I got the debit card to register my account online. When I did, I was told that I had to call. 
I called and was on the phone for an hour, literally, and talked to FIVE different people. At first they said my account was blocked but then they said it was unblocked and that I should wait 24 hrs to try to register. I didn't trust them so I waited longer. Got the same message to call and I did and they said it was STILL blocked and that I had to send them additional documentation ( different documentation than they requested the first time AND there was no mention of these documents in the welcome packet they provided which did say that there may be additional documents to be sent in but there was no docs listed ). 
I called again and talked to two different people who said that there was still a block and that they'd send a docusign link in 24 to 48 hours. 
They were able to take my {$1500.00} out of my other accounts immediately but they can't give it back and have now blocked my access to my money.

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 2019-10-28 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: EQUIFAX, INC.
State: NY

Complaint narrative:
AFTER SEVERAL ATTEMPTS AT TRYING TO GET THE XXXX XXXX NEGATIVE ACCOUNT FROM MY CREDIT REPORTS, NOTHING HAS BEEN DONE. PLEASE INFORM ME AS TO WHY THIS ACCOUNT STILL REMAINS NEGATIVE ON MY CREDIT REPORTS. THIS ACCOUNT IS FROM XXXX OF XXXX, AND FIRST ATTEMPT AT DISPUTING THIS NEGATIVE ACCOUNT WAS BACK IN XXXX OF XXXX. IT'S BEEN WAY TOO LONG SINCE THIS ACCOUNT CLOSED AND I NEED A GOOD, SELECTIVE RESPONSE AS TO WHY THIS IS STILL REPORTING NEGATIVELY. NEITHER EQUIFAX, XXXX OR XXXX   HAVE DONE ANYTHING ABOUT THIS MATTER. PLEASE REMOVE THIS ACCOUNT IMMEDIATELY, THIS IS REALLY HURTING ALL THE GOALS I AM STRIVING FOR.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

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 2019-10-28 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: IL

Complaint narrative:
Equifax is reporting the following items inaccurately ( see enclosed ). This violates the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian is reporting the following items inaccurately XXXX see enclosed ). This violates the FCRA.

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 2019-10-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA

Complaint narrative:
This complaint is being filed against XXXX XXXX XXXX ( XXXX XXXX ), XXXX, at First National Bank ( FNB ). The home buyers used XXXX XXXX ( XXXX XXXX ) to obtain a mortgage for the property I was selling. XXXX XXXX ( XXXX XXXX ) provided a pre-approval level, mortgage commitment letter and the other milestones that occur during the home buying process. Unfortunately, XXXX XXXX ( XXXX XXXX ) and First National Bank ( FNB ) waited until approximately one hour before the scheduled closing on Tuesday XX/XX/XXXX, at XXXX, to request documentation that could have been provided during the five weeks prior to closing. The request forced the postponement of closing. For the next seven days, XXXX XXXX ( XXXX XXXX ) and First National Bank ( FNB ) proceeded to delay the closing by requesting new and redundant documentation that should have been addressed much earlier in the process. On Tuesday XX/XX/XXXX, my realtor informed XXXX XXXX ( XXXX XXXX ) and First National Bank ( FNB ) that they needed to make a decision so the buying and selling parties could proceed. XXXX XXXX ( XXXX XXXX ) and First National Bank ( FNB ) decided not to approve the mortgage, forcing the buyers to initiate the process with a new mortgage lender. The buyers were quickly approved by a different bank and the sale closed 24 days after the original closing date. As the seller, the delay cost me thousands in additional interest payments, lower pro-rated amounts, etc. The week of being held in limbo by XXXX XXXX ( XXXX XXXX ) and First National Bank ( FNB ) caused undue stress on the buyers, sellers and others involved in the process. If not criminal, the ethics of XXXX XXXX ( XXXX XXXX ) and First National Bank ( FNB ) are not conducive to reasonable levels of honesty, integrity or anything resembling a focus on customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 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: IL

Complaint narrative:
TransUnion is reporting the following items inaccurately XXXX see enclosed ). This violates the FCRA.

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 2019-10-28 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
ON XX/XX/XXXX I RECEIVED A CREDIT INQUIRE FROM XXXX XXXX IN XXXX GA AND XXXX XXXX XXXX THE SAME DAY, I IMMEDIATELY CALLED THE XXXX DEALER IN XXXX GA ( XXXX XXXX ) AND THE LOCAL POLICE IN THE AREA AND TOLD THEM IT WASN'T ME THERE BUYING THIS CAR OR TRUCK, XXXX XXXX REPLIED SAYING, WELL SOMEONE IS HERE WITH A ID WITH YOUR INFORMATION ON IT AND THE SELL WILL GO THROUGH. I THEN CONTACTED THE FRAUD DEPARTMENT AT EXPERIAN IN XXXX TEXAS AND THEY IMMEDIATELY REMOVED THE INQUIRES AND SENT A MESSAGE TO XXXX XXXX SAYING THIS INQUIRE WAS FRAUD. ON XX/XX/XXXX ACCOUNT FROM XXXX XXXX WAS PLACED ON MY PERSONAL CREDIT FILE BY XXXX SAYING I BORROWED XXXX FROM THEM, I CONTACTED XXXX XXXX FRAUD TEAM AND FILED OUT ALL THE PAPERWORK THEY SENT ME AND THEY SAID I WILL NOT BE RESPONSIBLE FOR THIS LOAN AND THE OTHERS. I ASKED WHAT OTHERS! XXXX XXXX AT XXXX SAID THERE IS 3 OTHER LOANS IN YOUR NAME AS WELL AND ILL MARK THEM AS XXXX TOO. I CONTACTED EXPERIAN FRAUD DEPARTMENT AND UPLOADED ALL MY DOCUMENTS CONCERNING THIS XXXX ACCOUNT AND THEY IMMEDIATELY BLOCKED THIS ACCOUNT AND XXXX WAS OK WITH IT, NOW 5 MO LATER THE BLOCK IS REMOVED AND THERES TWO FRAUD ACCOUNTS FROM XXXX XXXX SHOWING UP ONLY ON MY EXPERIAN FILE. I HONESTLY LOSING EVERYTHING I/VE WORKED HARD FOR DUE TO THIS. XXXX XXXX XXXX IS CALLING ALL LOANS IN AND MY CREDIT CARD COMPANY HAS GIVEN ME 4 BUSINESS DAYS TO HAVE IT REMOVED OR THEIR CANCELING MY ACCOUNTS. ALL OVER FRAUD ACCOUNTS. I WORKED FOR THE XXXX AND XXXX CONSUMER AFFAIRS AND THIS IS ACTUALLY CRAZY WHAT EXPERIAN IS LETTING THEM DO TO ME. I WILL CONTACT MY ATTORNEYS TO FILE SUITS AGAINST EXPERIAN DATA AND XXXX XXXX. EXPERIAN TOLD ME THEY HAVE THE RIGHT TO UNBLOCK THIS ACCOUNT WITHIN 30DAYS FROM THE TIME IT WAS BLOCKED, BOY NOT 5 MOS. XXXX XXXX WILL NOT SHOW ME ANY DOCUMENTS NOR EXPERIAN DATA WANT EITHER, BY THE END OF THE DAY I WILL FILE LEGAL ACTION AGAINST EXPERIAN IN XXXX TX. I WENT TO SCHOOL AT XXXX UNDER XXXX XXXX XXXX XXXX AND CLEARLY EXPERIAN CANT DO THIS. THERE HAS BEEN OVER 9 ACCOUNTS OPENED IN MY NAME SINCE XXXX WITH XXXX XXXX, ALL FRAUD! MY EX WIFE XXXX XXXX XXXX WORKS FOR XXXX XXXX IN THE DEALER LOAN DEPARTMENT AND XXXX XXXX XXXX IS THE ONE THAT ALWAYS APPROVES THE LOANS. EXPERIAN DATA BLOCKED THE ACCOUNTS 2 DAYS AFTER I DISPUTED THEM AND NOW 5 MO LATER THE UNBLOCK THEM, FTC SAYS THEY CANT DO THIS. I WILL TAKE THIS TO THE TOP IF NEEDED, IM LOSING EVERYTHING I OWN NOW BECAUSE OF EXPERIAN.

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 2019-10-28 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: NY

Complaint narrative:
AFTER SEVERAL ATTEMPTS AT TRYING TO GET THE XXXX XXXX NEGATIVE ACCOUNT FROM MY CREDIT REPORTS, NOTHING HAS BEEN DONE. PLEASE INFORM ME AS TO WHY THIS ACCOUNT STILL REMAINS NEGATIVE ON MY CREDIT REPORTS. THIS ACCOUNT IS FROM XXXX OF XXXX, AND FIRST ATTEMPT AT DISPUTING THIS NEGATIVE ACCOUNT WAS BACK IN XXXX OF XXXX. IT'S BEEN WAY TOO LONG SINCE THIS ACCOUNT CLOSED AND I NEED A GOOD, SELECTIVE RESPONSE AS TO WHY THIS IS STILL REPORTING NEGATIVELY. NEITHER XXXX, XXXX OR TRANSUNION HAVE DONE ANYTHING ABOUT THIS MATTER. PLEASE REMOVE THIS ACCOUNT IMMEDIATELY, THIS IS REALLY HURTING ALL THE GOALS I AM STRIVING FOR.

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 2019-10-28 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
AFTER SEVERAL ATTEMPTS AT TRYING TO GET THE XXXX XXXX NEGATIVE ACCOUNT FROM MY CREDIT REPORTS, NOTHING HAS BEEN DONE. PLEASE INFORM ME AS TO WHY THIS ACCOUNT STILL REMAINS NEGATIVE ON MY CREDIT REPORTS. THIS ACCOUNT IS FROM XXXX OF XXXX, AND FIRST ATTEMPT AT DISPUTING THIS NEGATIVE ACCOUNT WAS BACK IN XXXX OF XXXX. IT'S BEEN WAY TOO LONG SINCE THIS ACCOUNT CLOSED AND I NEED A GOOD, SELECTIVE RESPONSE AS TO WHY THIS IS STILL REPORTING NEGATIVELY. NEITHER XXXX, EXPERIAN OR XXXX  HAVE DONE ANYTHING ABOUT THIS MATTER. PLEASE REMOVE THIS ACCOUNT IMMEDIATELY, THIS IS REALLY HURTING ALL THE GOALS I AM STRIVING FOR.

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 2019-10-28 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: Santander Consumer USA Holdings Inc.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that DEPT OF ED/NAVIENT has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX - XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late 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 2019-10-28 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:
The reason I am writing to you is to inform you that TransUnion is not Adhering to Credit reporting laws in my Case. I sent my identity theft dispute to this company on XX/XX/2019 with my dispute, I attached all the relevant documentation to prove to them that I am A VICTIM OF IDENTITY THEFT. 

I know the law gives this company around 4 to 5 days to completely block all fraudulent information from my report but until now, this company is still showing this fraudulent account. For yet another time, my personal information was compromised and as a result, this FRAUDULENT ACCOUNT was included on my credit report without my consent or authorization. 

I want to state it crystal clear here that I did not benefit with anything whatsoever from this fraudulent account included on my report. Below is the fraudulent account that I need to be removed Asap : XXXX XXXX : XXXX See documents attached.

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 2019-10-28 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: EQUIFAX, INC.
State: DC

Complaint narrative:
Equifax is a double reporting on my credit report. XXXX XXXX account number XXXX and XXXX XXXX  account number XXXX. XXXX XXXX clearly says the client XXXX XXXX   which means XXXX XXXX  sold the account. These accounts have not been verified correctly. XXXX is not reporting that they sold the account to XXXX XXXX which is a violation as well. I have attached the report from Equifax. Both can not be reporting on my credit for the same debt. 

Equifax has not investigated this matter and that is a violation. 

This is a violation of rights and both accounts NEED to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: IL

Complaint narrative:
Exeter finance has used several hostile formats of communication and purposely left me without excess to my account information for the vehicle they are in charge of financing. I have called multiple times attempting to update my personal contact information as to phone number as well as to receiving bills to my old and new home address. When calling into exeter they have been argumentative and outright refused to update my contact information as well as provide me with the billing and finance details of my car loan. At this point since exeter refuses to obey the federal and state guidelines on this matter I have consulted an attorney and will be proceeding with service in that matter soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
I have exhausted all administrative remedy to try to work with SunTrust Mortgage, Incorporated. Per, the steps that were taken with honor, the note has been fully discharged and the funds were resent and accepted by SunTrust Mortgage, Incorporporated Payoff Department on XX/XX/XXXX to discharge the debt. The funds were not returned and SunTrust Mortgage, Incorporated agreed to the terms and conditions of the Notarized Legal Affidavit of Fact With Lawful Writ of Directive and Terms of Use of Agreement, dated XX/XX/XXXX ; which was sent certified mail via United States Postal Mail. 

The alleged 'Trustees ' of SunTrust Mortgage XXXX Incoporate has initiated a wrongful foreclosure with a sale at an auction dated XX/XX/XXXX in XXXX County , Georgia . SunTrust Mortgage, Incorporated can not : - prove it owns the original promissory note - didn't act in compliance with state mediation requirements ( publication of the notice of sale ) - did not follow state-specific foreclosure procedures - provide all journal entries regarding the alleged loan Documentation that has been published for 'public record ' have been balantly ignored by SunTrust Mortgage, Incorporated. The company has the documentation plus more that was mentioned in 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 2019-10-28 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: Comerica
State: MD

Complaint narrative:
On or about XX/XX/2019 I noticed while looking at account a lot of pending charges that occurred in the XXXX. I new I didn't charge it so I called till blue in the face and I finally got a person on the phone from Direct Express. I explained it to her and she stated there was nothing she could do while the charges were pending. I got off the phone and called a bunch of times with no luck. I the looked at the card for the bank that was backing Direct Express. The gentleman from this company got someone from Direct Express to assist me. With that I filed the complaint and was told Direct Express would send me paper work to fill out and fax back before XX/XX/2019. I have never gotten the paperwork and time is running out. He had in front of him all my info on my account and was going trough the fraudulent charges from the XXXX. I have made many attempts to get back in touch and get these charges reversed and put my money back. Every cent I have is crucial to me. Last contact with them was XX/XX/2019 spoke with XXXX he gave me this number : XXXX. Direct Express was good to me until I needed help. I feel they dropped the ball completely.

Company response to consumer: Closed with monetary relief