vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-28 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
We experienced loss of income and many other financial struggles in 2020. After three failed contracts on our primary residence, we finally have a short sale almost completed but are still waiting to hear back from Truist regarding a settlement negotiation for the home equity loan. The settlement amount is too high and we are struggling to obtain the funds being requested. We're getting no response and feel like Truist is pushing us into bankruptcy. They won't tell us what the terms are until we agree to the settlement number. They are not responding to offers or inquiries and we feel that we are being forced into a predatory loan.

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 2020-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I'M HAVING PROBLEMS GETTING THE FRAUD ALERT REMOVED FROM MY CREDIT FILE

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 2020-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I'M HAVING PROBLEMS GETTING THE FRAUD ALERT REMOVED FROM MY CREDIT FILE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Ocwen Financial Corporation
State: IN

Complaint narrative:
I have accounts that are showing on my credit reports inaccurately. These accounts are hurting my credit and stopping me from moving forward in my life. 

The accounts in question are improperly displaying the following : 1. Account was sold and not properly displaying month to month history as positive.

2. Account was closed due to the property being sold and month to month history is not being displayed as Closed and Paid As Agreed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
My mortgage loan was recently transferred from Rushmore Loan Management Services to XXXX XXXX XXXX. I noticed a - {$110.00} escrow balance. This is an error. There should be no balance ( {$0.00} dollars ) I paid my homeowners insurance in full on XX/XX/XXXX and have had the same homeowners insurance for the past three years that i paid in full each year. I always paid in time. Thus, there shouldnt be any escrow balances. I have copies of my homeowners policies that date back to 2017 with no gaps that i can provide for you. 

This amount is erroneous and false and needs to be removed from account or they have to refund me {$180.00}. I attempted to contact rushmore loan services and they said because my account was transferred and this they can not help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
Macy 's does not mail me Monthly statements and i have requested this for the past 5 months. I have not requested paperless nor Email for no statement.

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 2020-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I disputed innacurate accounts reported by your company in the file you maintain under my Social Security number.I was informed on 60 days ago that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report. XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX.I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Attorney Generals Office, and the XXXX. 
Please govern yourself accordingly.

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 2020-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I disputed inaccurate accounts reported by company in the file you maintain under my social security number.I was informed on XXXX days ago that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report.XXXX XXXX XXXX, XXXX XXXX I, I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the XXXX. 
Please govern yourself accordingly.

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 2020-12-28 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
Before XX/XX/XXXX, I found out about the Borrower Defense for my federal student loans. I submitted the application and I'm stuck in the process to get my loans from XXXX forgiven. XXXX is a school I went to in XXXX and graduated in XXXX. A school I attended and was misled about the education, job placement, and whether or not the school was accredited. 3 loans I got were private loans because I was misled by XXXX XXXX financial aid department to sign. 

Well, as I had trouble finding a job after XXXX, I went back to XXXX. I graduated from XXXX and thanks to XXXX being an accredited university my job outlook was better. However, the private loans I got from XXXX did me wrong. They were calling and harassing me while I was in school. I admit, I did not know what I was signing when I was at XXXX, but some of the private loans said I " may '' get the in-school deferment. The private loans from XXXX was coming after me while I was attending XXXX. I fought and wrestled with them, and they even took me to cook which the judge couldn't make a ruling because XXXX private loan people did not show up to court. XXXX private loans were trying to force me to pay even before I graduated from XXXX. I'm sure employers saw this on my record. 

XXXX closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2020 I sent letters to the bureaus regarding inaccuracies and unverified accounts on my credit report. Its past 30 days and I have not received a response. Section 611 ( a ), states that a failure to investigate and no response within 30 days gives reason for these inaccuracies to be removed and deleted immediately off 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 2020-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2020 I sent letters to the bureaus regarding inaccuracies and unverified accounts on my credit report. Its past 30 days and I have not received a response. Section 611 ( a ), states that a failure to investigate and no response within 30 days gives reason for these inaccuracies to be removed and deleted immediately off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agency stop reporting agencies stop reporting these accounts and violating my right according to the 15 USC 1692.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
I borrowed {$2600.00} with a {$160.00} bi-weekly payment. Over the last year, I have paid back over {$4200.00} and still have over a {$2000.00} balance due. I have proven that I can pay back the loan, and I shouldn't have to pay back another {$4200.00} over the next year to pay this off. I hope NetCredit can see their way that this is a predatory loan and I have more than paid back my loan amount with interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon 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 explanation
Consumer complaint received 2020-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon 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 explanation
Consumer complaint received 2020-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Flagstar Bank, N.A.
State: IN

Complaint narrative:
I have accounts that are showing on my credit reports inaccurately. These accounts are hurting my credit and stopping me from moving forward in my life. 

The accounts in question are improperly displaying the following : 1. Account was sold and not properly displaying month to month history as positive. 
2. Account was closed due to the property being sold and month to month history is not being displayed as Closed and Paid As Agreed.

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 2020-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Hello, I opened an acct on XX/XX/20 with Citi Bank offering a {$400.00} bonus if funded and minimum balance of {$15000.00} and an extra {$100.00} with a direct deposit. 
Account was completely funded and direct deposits started by the 60 day time limit ( XX/XX/20 ). 

Since then I have called numerous times and I have been told that all obligation were met and money SHOULD be in my account. I received a letter from Citibank dated XX/XX/20 stating : " unfortunately, your account does not qualify for this promotion because the deposited funds were not New-To-Citi funds ''. 

The funds came from a XXXX account and not from a Citi account, I not only have proof from the XXXX acct, not only that, BUT MY Citibank STATEMENT shows its from XXXX! 

Today I visited my local Citibank branch were I was told they could not help me and that I needed to call the XXXX number, which I did from THE BRANCH. After speaking to 4 DIFFERENT representatives and on the phone for almost 90 minutes, the call was disconnected. The branch manager was there to witness it. Last person I spoke to was an agent by the name of XXXX. 

I have probably spent more time than {$500.00} was worth, but its a matter of principle now. 
I'm disgusted by the way Citibank has treated me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I recently completed a refinance of my home and through this process was able to payoff all of my credit cards. I was very excited to have every single one of my credit cards paid off but as soon as I had paid off my balances, Capital One immediately lowered my credit limit. I was really confused as to why this adverse action was taken and when I called to find out why I was told that I was reported late on my account. I don't understand how a late payment can occur when the balance has already been paid off?? 

I was on the phone with Capital One throughout the process of my refinance and advised each representative that I spoke to that my account would be getting paid off soon. 
Each time I spoke with an agent I was told that everything was fine and that there wasn't anything that I needed to do and that my account was noted. If I was late, why did I not receive any phone calls or statements advising that I was late or requesting a minimum payment? I'm really disappointed that Captial One never offered me any kind of payment forbearance or deferment to help prevent any negative activity on my accounts especially after I made every effort to keep them in the loop. Now everyone 's paid off but I have a XXXX  credit score? This is not right at all!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agency stop reporting agencies stop reporting these accounts and violating my right according to the 15 USC 1692.

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 2020-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agency stop reporting agencies stop reporting these accounts and violating my right according to the 15 USC 1692.

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 2020-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX Bank of America sent me a notice that they transferred {$460.00} from my account ending in XXXX and applied it to a negative balance I have in an account ending in XXXX. Problem is, I don't have another account with BOA. I discovered that my partner, whom I added to my account, making it a joint account, is the owner of that XXXX  account ending in XXXX with BOA. My partner was charged fees amount to that total {$460.00}. Is it legal for BOA to access my account, ending in XXXX a joint account, because my partner 's name is on the account without my approval. This is my money. I knew nothing of that other account. I think that's encroachment on the bank 's part.

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 2020-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

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 2020-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I opened the dispute for two charges on my card. They charges were both XXXX. One for {$500.00} on XX/XX/2020, and one for {$460.00} on XX/XX/2020. I had the bank issue a new card. After one week, the charges are still there, and there is no indication on the account that these charges are under dispute. I requested written confirmation of the investigation or some sort of confirmation number for the investigation, but they refused. I filed a police report with my local police department. I gave them the police report number. The bank claims the investigators determined that I accepted the charges, which is not true. Since the charges were made online, I asked the bank to provide the shipping address or email address used to deliver the goods. They were unable to give it to me. They also refused to provide the evidence that I accepted the charges. I requested an affidavit of fraud, which they also refused to provide. The bank stopped taking my calls.

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 2020-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
Refinanced mortgage with XXXX XXXX. XXXX sent payment on XX/XX/2020. ( Yes, I did email to verify ). XXXX XXXX XXXX says they did not receive until Monday XX/XX/XXXX Since it was past the XX/XX/XXXX of the month, they reported delinquent payment to my credit report. I disputed via experian to no avail. I called XXXX XXXX XXXX XXXX XXXX and they claim they can not remove from my credit

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