vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-11 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: AK

Complaint narrative:
I have submitted the attached documents since the beginning XXXX about XXXX on my report. XXXX was the ORIGINAL creditor, listed on page 19. 2 YEARS AFTER discharge, it appears they attempted to SELL THE DEBT to XXXX to try and collect on. THEY CAN NOT DO THIS! 

I HAVE NEVER heard from EQUIFAX and it is STILL listed as in " dispute ''! It will not allow me to resubmit a dispute with them. I've tried calling and get stuck in the press 1, press two loop that NEVER gets you to a HUMAN. 

XXXX needs to be removed IMMEDIATETLY!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I have sent all the certified documentation to XXXX, XXXX, and Equifax regarding their method of verification regarding 3rd parties due to they continue to place inaccurate and unverified info on my CR. XXXX XXXX sent me a letters stating they removed these 2 BK from their files and I have a security freeze through their company. XXXX is the only company that responded in writing but wouldn't tell me their method of verification via phone which XXXX is listed on all their credit bureaus websites that this is their source of public records. I have sent certified mailed letters to each bureaus regarding removing the BK due to FCRA 611 ( 15 USC 1681 ) goes against the policies and must be deleted immediately because its not proper verification. Credit bureaus cant use 3rd parties public record that they must directly contact the Bankruptcy Court itself who is the original furnisher it has to be 100 % accurate/verified. I have submitted a letter from the Courthouse stating they don't speak nor associate themselves with credit bureaus nor 3rd parties. I have not received any documentation from Equifax & XXXX upon certified letters till this day. I have submitted a letter from XXXX who wont allow me to place an security freeze on the report which I have a right on all reports by law especially if its inaccurate info. On my CR its listed 2 different attorneys which I never heard of nor have I signed any documentation with any third parties. I also have security freezes on all the credit bureaus so how are they able to continue to report inaccuracies if I have all this documentation. I have listed all the supported documents you will need to handle this situation because the CB continue to lie and place information on CR that are not true which they keep blaming the courthouse.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 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: NY

Complaint narrative:
XX/XX/2021 - XXXX  sent me an alert that a credit limit check was submitted against my SSN by TD XXXX XXXX XXXX ( XXXX ). 
XX/XX/2021 - XXXX  then sent me an alert that a credit card with a credit limit of {$10000.00} was established ( Retail establishment is XXXX  & XXXX  ). 
XX/XX/2021 - I contacted XXXX  and let them know that I did not open a new credit card XX/XX/2021 - XXXX  advised me to get a Police report ( which I did ) XX/XX/2021 - I contacted XXXX  and they were able to bring up the fraudulent account and asked me a number of questions. The home address I have did not match what they have on file. Obviously they did not tell me the address on file, but they did freeze the account in their system so that it could not be used. Currently there were no charges to the account. 
XX/XX/2021 - I sent the Police Report to XXXX  so that they could remove the credit inquiry and card from my records. ( they advised me to reach out to you with the same information )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Performance Management, LLC
State: FL

Complaint narrative:
This account has already been disputed with my bank. Also in the Florida state attorney 's office and both were favorable for me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 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:
On XX/XX/2020 I sent in a request to have items I believed to be fraudulent removed from my Equifax credit report. All inquiries that extend from XX/XX/2020 through XX/XX/2020. Since I had not seen any activity, I am filing this complain so that I can have this issue addressed with the urgency and sensitivity it deserves. Being a XXXX Veteran on a fixed income, during a pandemic has been a struggle to say the least. But to add insult to injury I am also one of the millions of affect Texans affected by the snowstorm last month. I only want to see that this issue is resolved so that I can focus on other pressing issues dealing with the transitioning state of my health.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
My name is XXXX XXXX. 
For over year, I have been trying to close my checking account at Santander bank. However, Ive been unsuccessful. 
I wrote a letter several times requesting to close my accounts but the still would not close it. They took step to close my savings account which had no funds in it. But they refuse to close my checking account which has all my funds in it ( {$4000.00} ). When I write checks they refuse to pay out the checks. 
So Im asking once again to close my account and send me my remaining balance at my new address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK 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 2021-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American First Finance, Inc.
State: MI

Complaint narrative:
I have tried to call this company several times regarding this account. American first finance is reporting my account as a charged off account. I am confused how something is charged off and you are still taking payments from me every two weeks. 
- Also previously before this I spoke with American first finance and asked them for my buyout information and they were suppose to debit the account while I was in New York for the pandemic. That has never happened. 
- also I have submitted proof. Please see the attachments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-11 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Opened a fraudulent case with bank of America and after sitting on it for 3 months decided they were our charges and I submitted paperwork from XXXX stating these order don't exist or anything shipped to my house with the order numbers provided they said the verified with XXXX which was a lie as XXXX won't give any info to them without my knowledge and they tried to say they traced it to my ip address and I run a ip vanish program

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 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 tried telling the credit bureaus that this information on my credit report is incorrect ( see attachment ). Even though I followed the proper procedures multiple times they just sent back that it was verified, as if they didn't even look at the evidence that i sent them. The high credit is wrong, the date last active is wrong, the date of last payment is wrong, and its showing a balance even though the payment status is collection/charge-off. This is all a direct violation of FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
I purchased from a company ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) who stated my goods ( a weight set ) were shipped in XX/XX/2020, and every time I reached out to the company for information and tracking, I was met with excuses. I still have not received ANY goods for the {$440.00} I paid, so I reported the fraud to my credit card company, Citibank. My credit card company, Citibank, closed the dispute and decided I was liable for the charges, but I still have not received any goods, nor am I receiving any information or responses about tracking from the company. I have good reason to believe this company is running a fraudulent business. The company 's website, www.solardrop.com, is now offline completely.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had money taken out of my debit card for the amount of {$2500.00}. My phone had been stolen with other items and they are not willing to work with me for that amount. I sent them a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I tried telling the credit bureaus that this information on my credit report is incorrect ( see attachment ). Even though I followed the proper procedures multiple times they just sent back that it was verified, as if they didn't even look at the evidence that i sent them. The high credit is wrong, the date last active is wrong, the date of last payment is wrong, and its showing a balance even though the payment status is collection/charge-off. This is all a direct violation of FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I tried telling the credit bureaus that this information on my credit report is incorrect ( see attachment ). Even though I followed the proper procedures multiple times they just sent back that it was verified, as if they didn't even look at the evidence that i sent them. The high credit is wrong, the date last active is wrong, the date of last payment is wrong, and its showing a balance even though the payment status is collection/charge-off. This is all a direct violation of FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
This account has already been disputed with my bank and with the XXXX  XXXX XXXX XXXX of the state of Florida, a favorable final result for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 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: VA

Complaint narrative:
Hi - Opened a TDbank checking and savings account in XX/XX/2020 using a referral link that advertised {$300.00} and {$200.00} bonuses for meeting direct deposit and saving thresholds. Met terms of the account and bonuses were not paid. TDbank stated that referral link was targeted and thus they would not pay bonuses. I received no message when opening my account that I was not eligible. In fact, I received email receipt that my accounts were opened successfully. I would have no issue if I was told that I wasn't targeted, but I left my funds in their account for almost 6 months. When contacted, it took over a month to get a response from the company that says they offer " legendary '' customer service. I am not optimistic that this will end successfully, but I hope that enough customers file complaints so that TDbank changes the way they honor their promotions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Certficate Of Deposit was opened with Synchrony Bank with {$220000.00} on XX/XX/XXXX for a term of 60 months and matured on XX/XX/XXXX. Instructions were given by me to close the account upon the maturity date and mail the fund proceeds to me.I was told the check would arrive regular mail on or before XX/XX/XXXX. Since I did not recieve the check, been in contact with Synchrony Bank as the check was deemed to be lost in the mail and a declaration of loss for lost cashiers check was generated by Synchrony Bank, completed and returned via email on XXXXWas told the funds would be ready by XX/XX/XXXX and would be wired into my bank account. It is now XX/XX/XXXX, and I am not in receipt of my proceeds.I have spoke many times with the bank, and keep getting a run around. I have lost confidence trying to get my money returned. Is it acceptable to wait over a month to receive my funds? I hope and pray I get the money returned.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In XXXX of XXXX  I noticed that I had been getting a bill on my XXXX XXXX card from Transunion for 17 months with out my permission. I had not noticed it before because it was only for {$19.00} and I don't check small bills closely. I notified XXXX XXXX and they said they would investigate it. Over a period of five months they removed several of the charges and later they said they were going to refund all of the charges involved. This month I realized that in XXXX they had added all the charges back on. When I called XXXX XXXX XXXX seemed to be trying and was arranging a conference call with Transunion but she reported that while I was o hold for her she was on hold for Transunion. She gave me number to call for billing at Transunion and said she would call me back in five days to see the results. When I called the number she gave me I got a busy signal or a dead line. I decided you were my only alternative. The total bills were $ XXXX at XXXX XXXX says that Transunion has a request from me for this service. Because I have no need for credit I put a freeze on my account several months ago.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated
State: TX

Complaint narrative:
This company Consumer Adj, has reported on my credit reports that I owe a debt a medical claim debt from XXXXXXXX XXXX XXXX XXXX XXXX XXXX. They claim that I opened this account on XX/XX/21. This information is incorrect and as a result they have placed this collection on my credit report and state that I owe them {$1000.00} This is incorrect and fraudulent reporting. They have not only fraudulently listed thus incorrect data on my credit report but that have no information for contact, no account number, no address, no telephone number and no email address, this is a crime according to the FCRA, and I will seek justice. I am very upset that this company not only failed to reach out but they have failed to verify that thus is an account that I owe. I have looked them up on the internet in an attempt to get a good address and my letters have been returned undeliverable. XXXX XXXX has never sent me not XXXX letter in the mail trying to collect on this debt that they say I owe, and have never sent me any documentation that proves this is a debt that I owe, nothing bearing my signature. I am the victim of identity theft and my Identity Theft reference report # is XXXX, my police report # is XXXX I ask that this information be removed immediately from all 3 of my credit reports including XXXX XXXX, XXXX, and XXXX. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
my wife was a co-signer on an automobile and received a XXXX XXXX XXXX to correct the problem and costs me to pay taxes on $ XXXX.This car was a lemon law by federal standards and Chrysler paid it off. Fortunately, however, the Internal Revenue Service takes a logical view of forgiven debt for co-signers. Treasury Regulation Sec. 1.6050P-1 ( 7 ) says that for purposes of filing, " a guarantor is not a debtor. '' It differentiates between those who get the benefit of a loan and those who guarantee its repayment. You are a guarantor, and so you should be off the hook. After many attempts to resolve this issue, I have decided Santana ( XXXX ) refuses to correct their mistake. Chrysler capital sent us a letter this account was paid in full XXXX title XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 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: OH

Complaint narrative:
All credit reporting agencies have phone numbers reported to you and are on their website that does not work! An automated system gives you slim choices, none of which are to take to a live person, and then it hangs up on you. How about you call the numbers that you have and see where it gets you. Why do these credit reporting companies want you to pay for services when they have to much control of your life and can but burden on you by reporting misinformation and hindering your ability to contact them. Next, how can they report my score correctly when they can't even get my employer correct? My employer is easer to find than my credit card companies. Furthermore, when you file a complaint the company you are filing against should have to show proof of what they are reporting. Lastly, for now, how can the credit reporting agencies have stock? You can not be fair if someone can have control of your company through stock. I would love to know how the government let this happen.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 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: NJ

Complaint narrative:
On XX/XX/2021 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 item within 30 days gives a reason to immediately remove those items from my credit report is has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you cause me. My Information was also impacted by the XXXX XXXX XXXX and may have got into 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