vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
A couple of years ago, I had a catastrophic event that prevented me from paying my XXXX XXXX bill. They quickly snowballed my minimum payment amount to well over {$1000.00}, which wasn't feasible when I couldn't even make the regular minimum payment. 
I called several times to try to work with them, but they wouldn't accept a lower payment. Finally they transferred me over to internal collections, who breezed through three different payment plans, discouraged questions, and refused to send me anything in writing, telling me that it was a " one-time offer. '' I refused to agree to anything without being given something in writing beforehand, so she hung up on me. 
I then found out that XXXX reported me as deceased. I have tried to contact XXXX to correct the issue, and I have reported the error to XXXX and Experian, but I have not been able to remove the " Deceased '' designation from my file. This has resulted in multiple negative impacts - making it difficult to resolve accounts, only being able to qualify for a ridiculously high interest rate on a car loan, and being denied a secured card to help improve my credit scores.

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 2021-03-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/XXXX I sent the customer relations department the following secured message : " I will be traveling to the state of Nevada ( XXXX XXXX and surrounding area ) beginning XX/XX/XXXX through XX/XX/XXXX. Please notate my account accordingly. Thank you. '' That same day I received an automated ( canned ) response from the credit card company that said the following : " We appreciate the opportunity to assist you and hope the following addresses your inquiry. 

Our Fraud Early Warning department can customize a travel suppression to accommodate your needs while traveling. Please contact Customer Service at the phone number shown at the bottom of any Account Online screen within 24/48 hours of your pending travel. When you call, a representative will ask you for the following information and can discuss international or foreign fees : 1 ) CARD NUMBERS YOU WILL BE USING 2 ) WHEN TRAVEL WILL BEGIN 3 ) WHEN TRAVEL WILL END 4 ) WHAT STATES WILL YOU BE USING CARD 5 ) ESTIMATED TOTAL AMOUNT YOU WILL BE CHARGING 6 ) ESTIMATED NUMBER OF TRANSACTIONS 7 ) PHONE NUMBER WHERE YOU CAN BE REACHED. 

We trust that our response has addressed your inquiry. If not, please reply to this message or contact one of our Customer Service representatives at the phone number shown at the bottom of any Account Online screen. '' I responded advising the company that I had already notified them of the specific dates and location of my travel. And that it is unknow to me what amounts I will be charging, nor the number of transactions I will be making. It is my assumption that I am permitted to use the credit card in a fashion that I see fit to within the limits of my available credit. 
Citi Bank has refused to assist me with this matter and is requiring me to speak to them personally. This is something that is very time consuming and a simple notation should be permissible on my account using a secured message portal on their system. This company continues to refuse to address my legitimate concern and I am filing a formal complaint against them with your office in order to have my legitimate customer service matter addressed.

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 2021-03-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
A payment was due XX/XX/XXXX for regular charges and a balance of {$150.00} of for a non interest bearing promotional purchase. 
A check for {$530.00} was mailed on XX/XX/2021 in the pre addressed payment envelope provided by Citibank in order to cover everything that was due and to avoid any interest charge. 
On XX/XX/2021 ( ten days after the payment was mailed ) an email notice was received indicated they had not received the payment and it was now overdue. As it appeared the payment had somehow been lost, a call was placed to Citibank 's collection department and a {$500.00}. payment was made over the telephone. ( that was the maximum my bank would allow without pre authorization ). 
On XX/XX/2021 ( thirteen days after it was mailed and six days after the payment was due. ) there appeared in my checking account the cancelled check for the payment XXXX said it did not receive. 
Citibank would have me believe it took the post office nearly two weeks to deliver their pre addressed envelope. The result of this I am being assess {$170.00} in fees and interest because the check was not credited in a timely manner.

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 2021-03-10 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: MN

Complaint narrative:
There are a couple of counts on my credit that do not belong to me. Can you please remove them. Thank you.

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 2021-03-10 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: MN

Complaint narrative:
There are a couple of counts on my credit that do not belong to me. Can you please remove them. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have inquiries on my credit report that I did not authorized I sent proof of police report and identity theft report to transunion and they still refuse to remove these inquiries that I did not authorized

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: Westlake Services, LLC
State: NJ

Complaint narrative:
Westlake financial is not reporting to my credit report for Month XX/XX/XXXX and also Month XX/XX/XXXX. i have all the proof that the payment was made on time. i called multiple times to have my payment history updated and they " Westlake Financial " Failed to updated and as per the fair credit reporting act all reporting account needs to be 100 % accurate.

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 2021-03-10 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: Penn Credit Corporation
State: PA

Complaint narrative:
On XX/XX/XXXX, PENN CREDIT CORPORAT add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA XXXXENN CREDIT CORPORAT has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
It started in XX/XX/XXXX I filed for bankruptcy chapter XXXX. During that time that my servicer XXXX had transfer to CHASE with out informing me of the transfer. I had then contacted CHASE and requested to do a refinance because at the time my interest rate was at 4.875 % and my monthly payment was at {$1800.00} which I was not able to afford with only my social security income. In XX/XX/XXXX I received a denial letter from the lender stating that I was being denied for assistance due to not enough income. After receiving the letter I went to the office of for the Attorney General Office for Arizona and opened a case XXXXand filed a complaint towards CHASE and received a call back from them on XX/XX/XXXX from a point of contact XXXX XXXX and she advise me that they are able to review me for a modification. I received a loan modification package from the lender. I had prepped and submitted all my financial documents per the loan modification package to the lender by the end of XX/XX/XXXX. I received a call back from XXXX XXXX on XX/XX/XXXX that they had received all my documents and that I was currently in review. In XX/XX/XXXX I received a letter from the lender they they needed more time to research my request, and by XX/XX/XXXX I would have a decision. Also in the letter it stated that the executive decision of the review was XXXX XXXX. The lender then advised me that they would offer me assistance as long as I dropped my compliant with the Arizona Attorney General. I then received a loan modification from the lender on XX/XX/XXXX and the interest went down from 4.25 % which reduced my payment to {$1500.00} which I was fine and happy with. It was months later that I was advised that my loan term had been extended an extra 10 years. Which shocked me because it was never mentioned on my paperwork and I would have never agreed to paying an extra 10 years on my loan. I then tried to do a refinance to correct the matter and was once again reviewed for a modification and was offer a stream line which began in XX/XX/XXXX for the amount of {$1400.00} which is only reducing my payment to {$13.00} but yet still keeping my interest rate at 4.25 % I feel that the lender took advantage of me and placed 10 more years of payments which I am struggling due to only have set income from SSI and my Annuity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I filed a dispute with all three bureaus and they haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: MA

Complaint narrative:
Hi XXXX XXXX XXXX XXXX ; Credit Reporting Agency ; Experian, XXXX XXXX ; Listen, it's impossible that you continue to report this account with multiple inaccuracies on payment history from XX/XX/XXXX to XX/XX/XXXX for 30 days late every month. Impossible that you can honestly say that you verified. I've contacted everyone and done several types of research, as I was NEVER late during those times, and you simply replied that it's " accurate & verified '', and that means that you breach my privacy under the provisions of FCRA. It's impossible that different credit reporting agencies report different dates of being late. It's so inconsistent on the way it's reporting! Again, I was shocked when I reviewed my credit report today and found those late payment remarks 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 2021-03-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
I had my car finance with Santander and recently had my car repossessed after attempting payments that were rejected. According to them they were having problems with the auto pay option I had chosen, and hadn't notified me that they were not receiving my payments after a year and a half of on time payment history. When my health starting declining I would inform someone from customer service that I would need an extension on my payment or payment plans to accommodate me until I would be able to get my health on track as well as showing medical documentation to proof my medical history. Recently, there's been lawsuits and settlement claims from plenty of other customer with similar history with Santander.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: ReliaMax Holding Company
State: OH

Complaint narrative:
have been in a repayment plan with Student Loans Solutions that charges me {$40.00} per month when my payment plan is {$0.00}

Company response to consumer: Untimely response
Consumer complaint received 2021-03-10 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: TN

Complaint narrative:
On XX/XX/2020, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes and concerns.

Section 611 ( A ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I applied for credit cards to 3 creditors XXXX XXXX XXXX XXXX XXXX XXXX : they said they used Experian to check my credit and they decided by themselves according to their own policy if I have more than 5 credit card last 2 years to disapprove although my score is XXXX and they answered you cant open credit cards with other creditors I answered I don't have any card with XXXX but I have the right to apply to any credit with any creditor they said NO this discrimination against me and the USA is not running credit by XXXX XXXX XXXX : they are the worst they send me a report telling me they used Experian and they said the same XXXX plus they accused me that I did not pay my balance last 12 months and Experian denied that in their report and I could not get approved by XXXX I have the report as well Experian report XXXX XXXX : I called they said you are not approved we will send you mail to tell why you not approved after we receive reports from XXXX XXXX, XXXX, Experian I asked can you tell me why you disapproved of me before you get these reports there is no Answer

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 2021-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am submitting this Affidavit of truth in support of my dispute claims with the three major Reporting Agencies and the Creditors that provide the information to the Credit Reporting Agencies. Information contained in my Consumer File/Report is inaccurate, misleading, and unverifiable accounts are to be deleted promptly. As The Consumer this incorrect information has caused me great financial duress. My Credit Scores have been impacted tremendously. My rights have are being violated as stated in and under the FRCRA.

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 2021-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX Made XXXX $ electronic transfer on the EDD bank of America app . 
XXXX Representative tells me it could take a week because this is my first electronic transfer. 
XXXX I contact XXXXXXXX XXXX XXXXXXXX about the {$900.00} to see if the money is pending. The representative says that there is no pending transaction to call Bank of America. 
XXXX-Representative sends me to transfer services ( XXXX from Nebraska ). He makes me repeat my account number and routing number to confirm that I didn't send it to the wrong account. It matches and I was told the transaction was still pending. He asks if I just want the money sent back to the prepaid card and I said Yes. Then I was told it would take no longer than a week. 
XXXX I call again because the money is still not there. I called over half a dozen times and was repeatedly hung up on. 
XXXX A representative sends me to transfer services again. I speak to XXXX this time and he tells me that he can't do anything. I get sent to the XXXX Department. I speak with XXXX. She said she was going to file a claim but never gave me a timeline to call back if I don't get any word back. I also ask XXXX if I should send my bank statements as proof that I never received the money into my XXXX XXXX XXXX XXXX XXXX. XXXX does not give me an answer and moves on with filing my claim. 
XXXX Receive a letter about my claim. Bank of America says they won't do anything, but will contact XXXX XXXX XXXX  as a courtesy. 
XXXX Receive a letter from the claims department that they confirmed my transaction posted to the requested account. 
XXXX I contact XXXX XXXX XXXX about the posted transaction. XXXXXXXX XXXX XXXX  denies that a {$900.00} deposit was posted. 
They ask me to contact Bank of America for proof of a transaction. 
XXXX Today I call Bank of America asking again about the transaction and get sent to the claims department. I have been on hold for over an hour and a half with the number XXXX. I log into my Bank of America 's website for EDD, and click dispute transaction. They number they provide on the website is XXXX. It is unacceptable that Bank of America has lead me on for over 2 months. I have called repeated to get this transaction fixed. 
resolved. It is {$900.00} that they have lost and refuse to refund me. 
XXXX Bank of America receives my complaint on this portal. 
XXXX They reply that they need an additional two months on top of their two months to reply. They stalled so CFPB could do nothing. 
XXXX I haven't received anything about my claim and it has been way passed the extra two months they asked.

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 2021-03-10 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: VA

Complaint narrative:
I have submitted written dispute letters and as of today over 60 days later still no response. I feel like Im just a number in a large organization. I recently pulled my report and noticed inaccuracies. In researching how to get these inaccurate items removed I saw that my information was compromised in the Equifax data breach. Now more than ever I believe my information has fallen into the wrong hands. I hope you can assist me in getting this issue resolved sooner than later

Company response to consumer: Closed with explanation