vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-12 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: PA

Complaint narrative:
XX/XX/XXXX XXXX XXXX posted, I owe {$1400.00} on XXXX XXXX XX/XX/XXXX TransUnion posted, I owe {$1400.00} on XXXX XXXX XX/XX/XXXX I paid the full amount {$1400.00} to XXXX XXXX. 

On my credit report XXXX XXXX & Trans Union posted the incorrect information. I don't owe {$1400.00}. 

XXXX  XXXX credit card was paid in full on XX/XX/2023. XXXX points was DEDUCTED from my credit score. I want the XXXX points restores. I want the correct amount of money owed posted XXXX XX/XX/XXXX XXXX XXXX received full payment for {$1400.00} 1. TransUnion posted the incorrect amount on XX/XX/XXXX {$1400.00} 2. XXXX XXXX posted the incorrect information on XXXX XXXX XXXX XXXX states I owe {$1400.00} to XXXX XXXX, false, inaccurate, incorrect information. I OWE XXXX dollars, I paid the debt in full on XX/XX/2023.

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 2023-07-12 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have asked all three creditors to remove inaccurate accounts off my credit report. They removed a couple of items and on some account they claim to have verified some of these account as accurate. Now according to the fair credit reporting act, section 609 ( a ) ( 1 ) ( A ) they are required by federal law to verify through the physical verification of the original signed consumer contract- ANY and ALL accounts they post on MY Credit Report. The Creditors HAVE NOT DONE SO. Their failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA unverified accounts must be removed. These account have not been removed.

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 2023-07-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EUSTIS MORTGAGE CORPORATION
State: OH

Complaint narrative:
On XX/XX/XXXX {$1400.00} was sent from my escrow account to XXXX XXXX, a company with which I have no policy or dealings. This payment was in error. {$1400.00} was the amount of my most recent policy premium for XXXX XXXX XXXX ( XXXX ), who I did have a policy with. Additionally {$1400.00} was sent to XXXX on XX/XX/XXXX, which was correct. In XX/XX/XXXX I contacted XXXX XXXX XXXX, which was loan servicer for Eustis Mortgage until XX/XX/XXXX, then Eustis Mortgage monthly from XX/XX/XXXX for resolution of this matter. I have been told each time that this issue is under review and that I would receive a call from a supervisor. In XX/XX/XXXX I filed an 'official complaint ' with the company and have not received a contact since then. I am seeking to have {$1400.00} posted to my escrow account.

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 2023-07-12 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Inquiry Fraud from Synchrony- TJX to XXXX XXXX. XXXX Reference # XXXX Reference processed code # XXXXXX/XX/ & XX/XX/XXXX I, XXXX XXXX XXXX XXXX ( DOB XX/XX/XXXX ) sent a letter and called Synchrony- TJX bank on XX/XX/1XXXX  andXX/XX/ in regards to a fraudulent billing inquiry. I informed the company of the fraud inquiry reported on my credit history on this date to all three credit bureaus. However, XXXX is requesting a copy of this report so they can remove this fraud inquiry from my account. I then followed up with Synchrony and asked them to send me proof that they did send a report to transunion on XX/XX/XXXX and they asked me to send a letter to the fraud department. I never received any evidence so I called both XXXX and Synchrony bank today XX/XX/XXXX. Both have provided no results and have done nothing to remove this inquiry.

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 2023-07-12 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: OH

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from 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 non-monetary relief
Consumer complaint received 2023-07-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I wish to use your organizations service, seeking a formal, impartial investigation to amicably settle my dispute with TD Bank regarding financial transactions that caused me significant financial and psychological harm. 

Please see the attached PDF file containing all relevant documents and evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
See the attached documents. I want the bureau to start teh investigation on these accounts on these accounts. I am never been late in this account.

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 2023-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
On XX/XX/2022, I opened a Citibank " Miles and More '' savings account with an opening offer of XXXX XXXX XXXX Miles as well as an ongoing 25 % bonus on miles earned on a linked Citibank/XXXX  XXXX XXXX XXXX XXXX XXXX , with deposits of over {$10000.00} maintained for at least 90 days. I deposited {$10000.00} into the account on this date to open the account and meet the terms of the promotional incentive associated with the account. 

On XX/XX/2022, the XXXX miles were credited to my XXXX XXXX AAdvantage account, but nothing was adjusted on the earning rate of the linked credit card. I contacted Citi who opened a ticket to investigate the issue, and after several weeks and reminder received a note that the case was closed as the XXXX miles were credited. I reached out again to clarify that this was not the issue, it was the 25 % bonus, for which they agreed I had met the qualifying criteria, that was the issue. Another ticket was filed and nothing happened. I called again and was passed through 5 different departments ( each one saying this was another part of the bank that was responsible ; I started with the XXXX XXXX, who said it was a credit card issued and transferred me to the Credit Card Issuing services ; they said it was the bank accounts and transferred me back; same answer and back to the credit card company who then transferred me to XXXX XXXX, who of course could not help as they said it was entirely a Citibank issues ). 

There was a clear lack of understanding of the issues as well as how to deal with this at the offshore Customer Service centers operated by the Bank. Opening a ticket was the only thing that could be effectively handled, apart perhaps from transferring me to someone else. 

I next tried the online chat tool on the website ; after eventually getting past the chatbot that could not help, I again was passed from party to party after maintaining a chat for over 1.5 hours. At this point I feel that this is a bait and switch offer from the bank, promising rewards in order to obtain deposits and then not delivering on the offer, either through ineptitude in their structure and customer support functions or by design, not sure I can tell which. Please let me resolve this matter that the bank clearly does not want to. 

Regards, 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 2023-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
BOA closed both of my checking accounts with no explanation and after several money transactions that were made in my account not by me. I've had numerous overdraft fees as well. I applied for a Hardship assistance on XX/XX/XXXX to get my balance out of my account. I have over {$2400.00} in my account. Due to this unfortunate situation, I have been summons to court because I have not been able to pay my rent on time due to the withholding of funds from Bank of America.

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 2023-07-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Exeter Finance, LLC.
State: SC

Complaint narrative:
On or about XXXX of 2023 Exeter Finance called my phone and told I, the consumer that they have sold my contract to XXXX. 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer credit report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN INSTRUCTION to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
Received email about credit inquiry, XX/XX/2023, hard credit pulls from Target Stores, received an email from Target stating they were looking over documents and card would be issued in 7-10 business days. notified target red card, that this was fraudulent, they confirmed mailing address and driver 's license # did not match mine, they put in a fraud claim to stop processing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12 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: TX

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 remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

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 2023-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/XXXX, Bank of America says the began an investigation into my account holding my social security retirement funds for the month of XXXX inside. Since then, the account has been " up for review ''. I have called them tens of times on every number they've given me and no resolution or information on how to get my money back has been given. 
As of XX/XX/2023 my account is still locked and now the XXXX payment that was sent today has been sent to that account even though I contacted social security to change my information. I am living on the street while my only income, my social security, is being withheld from me by Bank of America.

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 2023-07-12 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: MO

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. 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 30 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, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12 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: MO

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. 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 30 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 XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2023-07-12 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Barnhall Financial Services, Inc.
State: MS

Complaint narrative:
XXXX of XXXX sold me a lemon vehicle and it hasnt worked at all. I had the car pulled back to them, where they were supposed to work on it .. nothing was done. The finance company its with is Barnhall Financial. Since I had the car for 8 months, Ive paid on time, had no problems with paying. Even though the car wasnt working, I STILL paid. XXXX payment wasnt submitted and I have started to receive phone calls every day harassing me and calling me frequently. Ive been receiving threatening calls and everyone has been called where this company is telling my situation to them, which I can sue for. This company told my job what the situation is, this company called me on today and the woman I spoke with told me I may as well borrow the money or whatever I need to do because she needs a payment and she will call whoever she pleases because shes going to get a payment. I want these harassing phone calls to stop! This company is not a good company and they are very rude and XXXX!!!! The XXXX slurs Ive heard on these calls have been ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
See the attached documents. I want the bureau to start teh investigation on these accounts on these accounts. I am never been late in this account.

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 2023-07-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I reviewed by consumer report and noticed that I had 2 late payments on an account that I was never late paying. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for XXXX XXXX ( Account number XXXX ). Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to on time as they should be, being as I was NEVER late. 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 non-monetary relief
Consumer complaint received 2023-07-12 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SERVICEMAC, LLC
State: CT

Complaint narrative:
We opened the mortgage in XX/XX/2022 with a 10 % down payment, so the loan included XXXX. I requested to have the XXXX removed because we added XXXX square feet to the home which significantly increased its value. I have recent appraisal from a home equity loan we opened showing the current value of {$580000.00} ( original loan amount was $ XXXX ), which we sent to the servicer. The value after XXXX makes the XXXX approximately 75 %- which should satisfy removing the XXXX. I can not get them to resolve this by phone. Each time I call the service center, Im either put on hold forever or they take some information and send me form letters denying the request stating the XXXX is 88 % even though Ive provided proof of current value- they just arent reading any of the documents Im sending them. Please help

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 2023-07-12 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 am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12 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: GA

Complaint narrative:
The credit companies are not complying with their own policies 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 explanation
Consumer complaint received 2023-07-12 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: GA

Complaint narrative:
The credit companies are not complying with their own policies 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 explanation