vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Back in 2018 I filed a claim for the equifax breach settlement to receive the {$120.00} payout. I have never received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ONLINE Information Services, Inc.
State: NC

Complaint narrative:
This is the 6th time that I am writing your company about misinformation regarding this rental account. I am disputing the amount quoted. This is incorrect. At the time my eviction, all payments for every month had been made and there is no single month that the complex can prove that rent was NOT paid. The amount being quoted is excessive and an abuse of power and I am seeking legal action. I am demanding a full break down of the charges.totaling the amount you say I must pay. Why is it over {$4000.00}? I have photos on how I left the apartment showing that there were no stains, no paint marks, no broken parts or doors. There was one sofa, less than 50lbs left. Again, all verified by photos.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hello sir or madam I read your response on XX/XX/2020 YOUR LETTER STATED YOU DENIED MY DISPUTE BECAUSE YOU DIDNT FEEL LIKE IT WAS FROM ME You are accusing me of not sending the dispute myself. Well I'm sorry there was a clear misunderstanding. However it was me. AT NO POINT IN THE 30 DAYS DID YOU WRITE ME STATING A DENIAL OF THE FACT YOU FELT IT WASN'T ME. THAT WOULD'VE SAVED ME DAYS. 
SO TO PROVE IT WAS ME : Ive attached a copy of the purchase receipt. 
Ive attached a copy of the certified mailing I have the proof of email to reliable self storage for prints to send to you. ( not attached ) A bank statement Not only did I send a copy of the original letter and copy of the certified mail receipt AND I contained a copy of my ID. However No where in any verbiage on your web site EITHER MAIL, UPLOADED or in talking to your representatives does it say I need to send you a bill to verify a dispute so please honor the last dispute. 




It took me a long time to compose everything have it print then stand in line and send it to you. 
And for you to just throw it away or pretend it was viewed it not ok and very unprofessional. 
AT ANY POINT in the 30 days you could have written me a letter requesting additional information to verify anything or request additional information. 

I dont feel like its ok to deny disputes because you feel like someone used a credit repair agency. Even though you have no proof. Its clear that you want to deny me my legal right of a fair 30 day investigation that was never honored but YES if this is not resolved and the changes are not made I will be looking in to around a credit service repair agency that has an attorney for other legal avenues. 



Before it goes to far I will ask once more. I was the one that submitted the dispute you already had 30 days now Please make the changes.

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 2020-07-13 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: MECHANICS BANK
State: TX

Complaint narrative:
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 check 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 2020-07-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BBVA FINANCIAL CORPORATION
State: NY

Complaint narrative:
I had a card ending XXXX with BBVA credit card. This year card was blocked, because of unauthorized transaction. However on their site this card still exists. last balance on it was {$120.00} so I sent it electronically and BBVA received it on XXXX But company did not apply those money to card ending XXXX, instead of it - they put it into card ending XXXX. 
XXXX I called them and spoke to person named XXXX, ( who barely can speak English ) and he assured me that that card ( ... XXXX ) closed and I have nothing to worry about. I paid my other card as well, but today XXXX I found on their site, that I still have UNPAID amount of {$120.00} and past due amount of {$10.00} on card ended XXXX. 
I called them again, ( XXXX XXXX ) and spoke to non-English speaking worker named XXXX XXXX who totally ignored my questions and was unable to clarify issues. 
Please help me and stop that company from stealing peoples money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Company Inquiries : Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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 2020-07-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX   XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, Company Inquiries : Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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 2020-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
Dear CFPB official, I am writing to dispute the promotion for my TD Beyond Checking account. 

On XX/XX/XXXX, I opened a TD Beyond checking account at one local branch ( XXXX XXXX XXXX, XXXX, MA XXXX ). The representative who helped me open the account explicitly told me that I will be eligible for a {$300.00} bonus if I can make direct deposit totaling {$2500.00} or more within 60 days of account opening. He did not mention anything about online application. However, I have not received the bonus after I met all the requirements. I contacted TD Bank since XX/XX/XXXX about this issue and was told that the bonus is only for online application, which is inconsistent with what I was told when opening the account. 

After arguing with TD Bank multiple times, I was told on XX/XX/XXXX that my inquiry was forwarded to their Promotional Department Team for further review. I received the response today saying that the only promotions for accounts opened in the store was the Direct Mailer offer at the time of my account opening. Upon additional review, their records reflected that my address did receive a mailer, but it was not addressed to the signer who opened the account. Thus, my account does not qualify for their bonus. However, I have never heard about the Direct Mailer offer by TD Bank. When I opened the account, I was clearly notified that I would receive the {$300.00} bonus as long as I meet the direct deposit requirement. 

I have no idea whether/how the representative who helped me open the account assigned promotional code. No matter what the problem was, I am the victim of the mistake and I should have been provided with the bonus that TD Bank promised me. I look forward to your reply and a resolution to my dispute. 

Thank you for your assistance!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
THIS IS NOT A DUPLICATE. I HAVE FRAUDULENT CREDIT INQURIES ON MY EXPERIAN REPORT. 

I HAVE TRIED TO GET RID OF THEM AND THEY REPLIED that i am not the one requesting this removal, make no sense. 

these inquries on my are fraudulent and i did not authorizes them, please remove them, i tried call you and no one picks up the phone XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/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 2020-07-13 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: GA

Complaint narrative:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
XXXX informs me that PNC has restricted my ability to link to a XXXX account. I do successfully have an account with XXXX 's parent company, XXXX. This is outrageously inconvenient and is preventing me from depositing money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I was to participate in a research study conducted by XXXX XXXX. Prior to the research study I had to take a XXXX XXXX XXXX, health history questionnaire, and a XXXX XXXXXXXX to be screened for eligibility. I passed all requirements and asked XXXX XXXX and XXXX XXXX if i was eligible and was told I was. I was informed I would be scheduled for follow up appointments to start the study. My current insurance coverage did not cover the XXXX XXXX so i paid out of pocket on XX/XX/2019 in the amount of {$470.00}. 
I reached out to XXXX XXXX with my schedule to be scheduled and never received a callback/email from him or XXXX XXXX 's office. I would like a resolution to this and a refund because I was not provided services promised. When trying to dispute the transaction with Bank of America they replied that they would not be able to refund the money and would have to escalate the matter.

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 2020-07-13 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: AZ

Complaint narrative:
I have been a victim of identity theft.

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 2020-07-13 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: AZ

Complaint narrative:
I have been a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I was taken out of work on XXXX XXXX and requested financial assistance from Select Portfolio Servicing. I was approved for Principle and Interest Payments for up to 12 mos. I then set up automatic payments with XXXX XXXX to be taken out of my account each month. Apparently, there was some fraudulent activity that occurred and the bank froze my account. Once this was corrected payment from the bank went out. Unfortunately, it was not accepted and I was kicked out of the program. I offered to get a letter from the Branch Manager who would clarify the error made was on their behalf but it was declined by SPS. Due to my decrease in income I was unable to make the full payment until I was released back to work in XX/XX/XXXX. It was then that I was able to start making full payments again. I went to make my in XX/XX/XXXX and was told by the rep at SPS that they stopped taking all payments from me and demanded that I pay all the arrears ( {$30000.00} + ) in order to reinstate my mortgage. I have applied for assistance several times, especially because I am now furloughed from my job due to Covid 19 yet still have been continuously denied. I had no choice but to file Chapter XXXX in XX/XX/XXXX just to stop the foreclosure on my home. They are raising my interest rate on XX/XX/XXXX and the new payment is considerably higher and unaffordable due to being furloughed and not having my normal income. SPS is working with other homeowners in regards to payment assistance but refuse to help me for what I believe is due to the fact that I have equity in my home and they would make a substantial amount of money if they were able to obtain through foreclosure. Whats really upsetting about all this is I was a XXXX XXXX XXXX XXXX  back in XXXX when the market crashed and lost my job due to all the predatory lenders that were extending loans to unqualified people and the banks were given high bail outs. Now here I am needing financial assistance during a Nationwide Pandemic and I cant get it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-07-13 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX  Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
These are not my accounts. There are addresses and names listed that I do not know or don't pertain to me. Additionally, there are companies that had pulled my credit in which I did not authorize. Please remove them from my credit profile.

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 2020-07-13 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: GA

Complaint narrative:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Residential Bancorp
State: NV

Complaint narrative:
Hello, The reason for the complaint is because My spouse has passed   away, and XXXX XXXX XXXX is incorrectly reporting a credit card that belonged to my Ex Husband. My ex husband opened the account in XXXX, and we were married in XXXX. I was a authorized user for emergencies, but I never used the card and/or accrued any debt on this credit card. The card was reported lost/stolen XXXX. XXXX XXXX called my home asking for my Ex husband XXXX XXXX XXXX XXXX, and I explained that my husband had passed away. I attempted to get info on the account and they would not speak to me because I was not a card holder. The account is negatively impacting my credit and I have no way of fixing the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
These are not my accounts, addresses, nor did I authorize these companies to run my credit. Please remove them.

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