vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-21 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: NV

Complaint narrative:
After submitting a request to XXXX XXXX  to investigate why a payment to my credit card wasn't applied to my account in a timely manner, I had to go thru hurdles to prove that the company had received the money but transposed two numbers and not credit my account appropriately. 
I contacted the company to resolve the problem, eventually sending a letter to the chief executive officer, and finally got some resolution to my complaint. However in submitting responses to my inquiry, the company inadvertently sent this information to the wrong post office box address that was unknown to me and incorrect. I do not know how the company got this information since I never submitted it to them. I am hoping that this action wasn't an attempt to discredit my reputation by insinuating that I am dishonest and shady by having two post office addresses, which is not true. I only have one, and have been using a post office address for my correspondences over the past 38 years.

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 2021-04-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
My mother had fraud on her Fifth Third savings account on XX/XX/XXXX ( I am POA on her accounts XXXX. She found the fraud when looking at her checking account and went into the branch right away on XX/XX/XXXX to dispute the transaction. Fifth XXXX denied the claim. She went to the branch on XX/XX/XXXX to find out why. She was first told the other bank had proof it was valid. This was not the case. They later said it was that she didn't sign an affidavit. She was never sent an affidavit. She signed the affidavit on XX/XX/XXXX. It is now XX/XX/XXXX and we are being told they are still reviewing the case. I've reached out to the branch multiple times. They said they have escalated to the Office of the President. They took the funds back out of her account when the case was denied. My mother is elderly and I feel as though fifth third is discriminating against her. I had to be added as POA to help try to resolve this issue. I feel Fifth Third is exceeding it's time frame of resolving this issue. My mother didn't even know you could ACH from a saving account. If she needs money it is moved from a saving to her checking. I'm hoping you can help move this case along. My mother 's information including case number. 
XXXX XXXX XXXX Case # XXXX Acct ending XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 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: Colony Brands, Inc.
State: IL

Complaint narrative:
INFORMATION IN MY CREDIT REPORT IS INACCURATE, OBSOLETE, INCORRECT, UNVERIFIED, UNPROVEN AND NON COMPLIANT!! THIS INVESTIGATION WELL OVER 30 DAY 'S NO UPDATES REMOVE ACCOUNTS!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I opened a Kohls department store card in 2017 with a credit limit of XXXX. I was going through some financial hardships and failed to make payments. I checked my credit report to see they tacked on XXXX when my limit was XXXX. I've disputed numerous times and each time they keep updating that I owe them that much. I don't understand how they could double the amount I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 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: IL

Complaint narrative:
On XXXX 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 of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items in 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 youve 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 2021-04-21 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: AMERICAN HONDA FINANCE CORP
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 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: NC

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 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 2021-04-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
My Father ( at XXXX XXXX XXXX ) passed away in XXXX of this year. I am trying to settle his estate. I went into the bank and worked through what I thought were all of the issues with his banking relationship and even asked the person I was dealing with : " is there anything else open ''. I was told no. 

Several weeks later my sister got a communication that there were " student loans '' that my Father was responsible for. I have spent hours on the phone trying to get the details. I sent a letter to the Chairman of Wells Fargo and I am still in the dark about the loans. 

Further, I found out that there is a credit card balance. But, don't know what it is and have not seen the transactions that support the balance. I have asked, but no luck on that either. 

Finally, I tried to deposit a check into the Trust account that was set up to deposit funds that care coming in and going out as I settle the estate. They refused to deposit it. I call and complained about this too. I was told they would look into it. No response. 

I note that I spent hours in one of the branches sharing estate documents and ID to prove that I am legitimately responsible for settling the estate. I set up trust accounts and transferred ( with the help of Wells Fargo ) all of the funds in my Father 's accounts into the trust accounts. 

I am just trying to do the right thing to settle my father 's accounts. Wells Fargo is doing everything to make that as difficult as possible.

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 2021-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — High-pressure sales tactics
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
I was falsely told that Nissan of XXXX XXXX would be unable to provide prices for a new lease unless my credit was run. I am a long time customer of Nissan of XXXX XXXX so I was surprised to hear this. 

My lease was ending soon and I truly needed a new car. However, my search had just begun. The salesperson and the sales manager both assured me that figures could not be discussed without running my credit and that this is Nissan policy. I explained that this had never happened and I had always discussed figures before my credit was run.

As I was comfortable with my 710+ credit score, I reluctantly agreed to the credit check. I then visited other Nissan dealerships who explained that running credit before discussing figures is absolutely NOT Nissan 's policy. 

I was pressured to run a credit check and feel I have been wronged. this was the first time this happened to me and also the first time I, a woman, shopped for my lease alone. I am wondering if the dealership preyed on me because I was a woman shopping alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 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: RI

Complaint narrative:
Disputed incorrect information on credit report, incorrect balance, incorrect billing. Almost immediate response that information is correct, which it is not. Unable to get proper resolution

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 2021-04-21 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: MS

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
XXXX I use PayPal in order to run my online XXXX XXXX. PayPal is required in order to sell clothing on XXXX which is what I do. None of my clothing could be considered counterfeit or anything that would be considered a violation since I make a good portion of my clothes! I logged on to PayPal in order to get my {$800.00} that I have stored in there from my shop, and it is telling me that my account has inconsistencies with the user agreement and that I am no longer able to use that PayPal or create a new one. I need the money that is in that account relatively soon and I also need to have that account in order to maintain selling my clothes on my shop. PayPal is of no help and has not helped me whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
Complaint Number XXXX Follow-up Unfortunately, I have to turn again to assistance from CFPB since my attempts to get any status on my loan application were unsuccessful. 
Processing department XXXX XXXX XXXX XXXX, loan officer assigned to my loan XXXX XXXX XXXX XXXX, operation manager ( XXXX XXXX XXXX completely ignoring my email, voice messages. 
I received a call from the Chairmans Office XXXX XXXX XXXX XXXX, who got involved because I filed formal complaint with CFPB, but he also does not have ANY information from operation. They completely ignoring him, and provided false information. 

Because of their misconduct I already have financial loses, and if I would not be able to close and will maintain my existing rate for rest of my terms, I will accrue loses between {$110000.00} - {$140000.00} in interest. 
It does not look to me they are interested to give me this loan and rate for following reasons : 1. Rate much lower than current market rate ; 2. They do not see me as their potential client as bank pushing to get additional business - to open saving, money market or retirement accounts based on my age XXXX. I see this as clear violation of Elderly Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
Bank of America Credit card XX/XX/2021 I made a {$9.00} mistake and did not send enough money XX/XX/2021 I was charged {$1.00} interest which I paid XX/XX/2021 I was charged the {$1.00} again XX/XX/2021 I called to complain and was told that was how accounting worked and I would have to pay it, but after much discussion, the representative told me that they would credit me the {$1.00} So you might say that the problem was taken care of, but it NEVER should have happened in the first place. How many others get caught in this scam?

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 2021-04-21 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: OH

Complaint narrative:
On XX/XX/XXXX, I was informed that my credit limits were decreased on my two Citibank credit cards to within {$100.00} of my balance. I was told they were decreased due to the annual review of my credit report. Within three days of this, two other credit card companies did the same thing. My credit score then dropped from XXXX to XXXX. Then on XX/XX/XXXX and XXXX, Citibank reduced my limits again. Citibank stated it was due to another review of my credit report. When asked why my accounts were being reviewed for the second time in four months, I was told " the letter sent to you explains it all ''. All the letter says is it was due to a review of my report and my balance to limit was too high. My limit to balance is going to be high if my creditors constantly reduce my limit to just above my balance. I have never missed a single payment on any of my credit cards and there was no reason for Citibank to review my credit reports again. This isn't the first time Citi has done this. They did it three times in XXXX also but didn't reduce my limits. One was increased. I know they have the right to review and change my limits based on my report. But they are telling me that it is random reviews and twice in four months along with three times two years ago is not random. I fear that if this quarterly review keeps occurring, my credit score will continue to drop causing my other cards to follow suit, creating a credit nightmare for me and my future.

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 2021-04-21 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: NY

Complaint narrative:
There are a bunch of hard inquiries that I did not apply for those cards or services

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 2021-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
remove not mine ; FCRA. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX A XXXX XXXX XXXX XXXX XXXX, OH XXXX SINGLE FAMILY 1905 PRESTIGE LOOP XXXX, TX XXXX SINGLE FAMILY XXXX XXXX  XXXX XXXX XXXX, OH XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, OH XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, OH XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, OH XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, OH XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, OH XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX APARTMENT COMPLEX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, OH XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, OH XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, CT XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, OH XXXX SINGLE FAMILY selling my information without my permission

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
I sent a letter to Convergent Outsourcing collection agency disputing and requesting validation for an account on XX/XX/2021 and mailed it certified, return receipt requested. I tracked the letter via the online United States Postal Service website and noticed that they received the dispute letter on XX/XX/2021. I was never contacted, nor was my validation request ever honored. Therefore, I sent a follow-up letter on XX/XX/2021, which was received by the collection agency XX/XX/2021, to request removal of this information due to the company failing to respond. 

It is now XX/XX/2021 and I still have not received a validation or response. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), it is my understanding that companies have 30 days to investigate disputes. If they can not verify the information within the 30 day time period, they must delete all of the disputed accounts from my report. With that being said, am requesting permanent deletion of the disputed and unverified accounts.

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 2021-04-21 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: NV

Complaint narrative:
There are duplicate reports appearing on my credit report which indeed has an impact on my score. The reporting that has duplicates is XXXX that starts with XXXX. XXXX that starts with XXXX had been cancelled when the account opened years ago. XXXX that starts with XXXX still reported to the bureaus. XXXX that starts with XXXX does not answer their phones to settle this issue. EXPERIAN is the only bureau reporting XXXX that starts with XXXX and multiple upon multiple disputes have been ongoing with EXPERIAN trying to show their is many errors with this file. Please advise

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 2021-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Their phone number is XXXX Constantly calling! 
They never leave texts or voicemails. I've called that number and it's always busy or it disconnects. 
I HAVE called other numbers too that are harassing me with calls. Gotten a hold representatives. They promise not to call again but within 2 or 3 days, they start calling again! 
I know it's about credit card debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 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:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation